Access to consumer credit in the UK

Solomon Y. Deku; Alper Kara; Philip Molyneux

doi:10.1080/1351847X.2015.1019641

Access to consumer credit in the UK

Solomon Y. Deku, Alper Kara, Philip Molyneux

Bangor Business School

University of Hull

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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

Original language	English
Pages (from-to)	941-964
Journal	European Journal of Finance
Volume	22
Issue number	10
Early online date	9 Mar 2015
DOIs	https://doi.org/10.1080/1351847X.2015.1019641
Publication status	Published - 2016

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10.1080/1351847X.2015.1019641

2015 Access to Consumer Credit in the UKAccepted author manuscript, 379 KBLicence: Unspecified

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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",

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AB - 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

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Access to consumer credit in the UK

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