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
Promoting access to suitable and affordable financial products and tackling financial exclusion has ...
The problem addressed in this study is the ubiquitous nature and high level of consumer debt associa...
JEL classification: G21, D14, I30, O16, R20.Access to credit may have a direct effect on achieving U...
This paper investigates household access to consumer credit in the UK using information on 58,642 ho...
We employ the propensity score matching approach to investigate household access to mortgages in the...
This paper investigates racial disparities in household credit constraints using UK survey data. We ...
Over the past few decades, financial markets became increasingly deregulated and household debt expa...
Research background: According to the World Bank (2020), about 60% of adults in developing countries...
We examine whether households from ethnic minorities have the same ability to access mortgages in th...
This article examines the dynamics of credit and debt in low income households, drawing on an action...
Financial exclusion is a lack of opportunity to access financial services. Concerns about financial ...
Since the mid -1980’s consumer credit has grown rapidly in most European countries. Consumer credit ...
This research specifically investigates the factors that influenced access by households and individ...
Resulting from instability in the UK financial climate in recent times, consumers have increasingly ...
We employ the propensity score matching approach to investigate household access to mortgages in the...
Promoting access to suitable and affordable financial products and tackling financial exclusion has ...
The problem addressed in this study is the ubiquitous nature and high level of consumer debt associa...
JEL classification: G21, D14, I30, O16, R20.Access to credit may have a direct effect on achieving U...
This paper investigates household access to consumer credit in the UK using information on 58,642 ho...
We employ the propensity score matching approach to investigate household access to mortgages in the...
This paper investigates racial disparities in household credit constraints using UK survey data. We ...
Over the past few decades, financial markets became increasingly deregulated and household debt expa...
Research background: According to the World Bank (2020), about 60% of adults in developing countries...
We examine whether households from ethnic minorities have the same ability to access mortgages in th...
This article examines the dynamics of credit and debt in low income households, drawing on an action...
Financial exclusion is a lack of opportunity to access financial services. Concerns about financial ...
Since the mid -1980’s consumer credit has grown rapidly in most European countries. Consumer credit ...
This research specifically investigates the factors that influenced access by households and individ...
Resulting from instability in the UK financial climate in recent times, consumers have increasingly ...
We employ the propensity score matching approach to investigate household access to mortgages in the...
Promoting access to suitable and affordable financial products and tackling financial exclusion has ...
The problem addressed in this study is the ubiquitous nature and high level of consumer debt associa...
JEL classification: G21, D14, I30, O16, R20.Access to credit may have a direct effect on achieving U...
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