Access to consumer credit in the UK

Deku, S.Y. and Kara, A. and Molyneux, P. (2015) Access to consumer credit in the UK. The European Journal of Finance. DOI: 10.1080/1351847X.2015.1019641 (In Press)

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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

Item Type: Article
Subjects: Research Publications
Departments: College of Business, Law, Education and Social Sciences > Bangor Business School
Date Deposited: 25 Sep 2015 02:33
Last Modified: 19 Nov 2015 03:46
ISSN: 1351-847X
URI: http://e.bangor.ac.uk/id/eprint/5420
Identification Number: DOI: 10.1080/1351847X.2015.1019641
Publisher: Routledge
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