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Title: Access to consumer credit in the UK
Authors: Deku, Solomon Y.
Kara, Alper
Molyneux, Philip
Keywords: Consumer credit
Financial exclusion
Racial origin
Issue Date: 2016
Publisher: © Taylor and Francis
Citation: DEKU, S., KARA, A. and MOLYNEUX, P., 2016. Access to consumer credit in the UK. The European Journal of Finance, 22(10), pp. 941-964.
Abstract: This paper investigates household access to consumer credit in the UK using information on 58,642 households between 2001 and 2009. Employing a treatment-effects model and propensity score matching, we find that non-white households are less likely to have financing compared to white households. We also find that even if they obtain financing, the intensity of borrowing is lower than for white households. Overall, non-white households seem to be in a weaker position to access consumer credit in the UK.
Description: This is an Accepted Manuscript of an article published by Taylor & Francis in The European Journal of Finance on 09 Mar 2015, available online: http://dx.doi.org/10.1080/1351847X.2015.1019641
Version: Accepted for publication
DOI: 10.1080/1351847X.2015.1019641
URI: https://dspace.lboro.ac.uk/2134/21694
Publisher Link: http://dx.doi.org/10.1080/1351847X.2015.1019641
ISSN: 1351-847X
Appears in Collections:Published Articles (Business School)

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