TY - JOUR

T1 - Access to consumer credit in the UK

AU - Deku, Solomon Y.

AU - Kara, Alper

AU - Molyneux, Philip

N1 - This is an Accepted Manuscript of an article published by Taylor & Francis in European Journal of Finance on 09/03/2015, available online: http://wwww.tandfonline.com/10.1080/1351847X.2015.1019641.

PY - 2016

Y1 - 2016

N2 - 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

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

U2 - 10.1080/1351847X.2015.1019641

DO - 10.1080/1351847X.2015.1019641

M3 - Article

VL - 22

SP - 941

EP - 964

JO - European Journal of Finance

JF - European Journal of Finance

SN - 1351-847X

IS - 10

ER -