Access to consumer credit in the UK

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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 languageEnglish
Pages (from-to)941-964
JournalEuropean Journal of Finance
Issue number10
Early online date9 Mar 2015
Publication statusPublished - 2016

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