Big Banks, Household Credit Access, and Intergenerational Economic Mobility

2021 ◽  
Author(s):  
Erik J. Mayer
Keyword(s):  
Economic Mobility ◽  
Credit Access ◽  
Household Credit

Racial Disparities in Credit Constraints in the Great Recession: Evidence from the UK

2011 ◽  
Vol 11 (1) ◽  
Author(s):  
John Gathergood
Keyword(s):  
Racial Disparities ◽  
Great Recession ◽  
Credit Constraints ◽  
Racial Minority ◽  
Racial Groups ◽  
Credit Access ◽  
The Great Recession ◽  
Household Credit ◽  
The Difference ◽  
The Uk

Abstract This paper investigates racial disparities in household credit constraints using UK survey data. We find a widening disparity in the proportion of racial minority households reporting they face credit constraints compared with non-minority households over the period 2006-2009. By 2009 three times as many racial minority households faced credit constraints compared with non-minority households. The difference in credit constraints across racial minority and non-minority households is not explained by a broad set of covariates. While cross-section variation in reported credit constraints might most likely reflect unobservables, we argue this time series variation is very unlikely to arise due to unobservables and is evidence of growing perceived disparity in credit access between racial groups over the period.

scholarly journals Heterogeneous Credit Impacts on Health Care Spending of the Poor in Peri-Urban Areas, Vietnam

SAGE Open ◽  
2016 ◽  
Vol 6 (4) ◽  
pp. 215824401667923 ◽  
Author(s):  
Tinh Thanh Doan ◽  
Gibson John ◽  
Tuyen Quang Tran
Keyword(s):  
Health Care ◽  
Urban Areas ◽  
Health Spending ◽  
Average Treatment Effect ◽  
Group Differences ◽  
Health Care Spending ◽  
Credit Access ◽  
Positive Effects ◽  
Poor Households ◽  
Household Credit

Quantile treatment effects are estimated to study the impacts of household credit access on health spending by poor households in one District of Ho Chi Minh City, Vietnam. There are significant positive effects of credit on the health budget shares of households with low health care spending. In contrast, when an average treatment effect is estimated, there is no discernible impact of credit access on health spending. Hence, typical approaches to studying heterogeneous credit impacts that only consider between-group differences and not differences over the distribution of outcomes may miss some heterogeneity of interest to policymakers.

scholarly journals THE EFFECT OF SAVING ACCOUNT OWNERSHIP AND ACCESS TO FINANCIAL INSTITUTIONS ON HOUSEHOLD LOANS IN INDONESIA

2021 ◽  
Vol 24 (3) ◽  
pp. 465-486
Author(s):  
Robby Maulana ◽  
Chaikal Nuryakin
Keyword(s):  
Financial Institutions ◽  
Saving Account ◽  
Bank Account ◽  
Informal Credit ◽  
Credit Access ◽  
Multinomial Logit Regression ◽  
Household Credit ◽  
The Government ◽  
Logit Regression Model ◽  
The Village

This study investigates whether saving account ownership and access to financial institutions influence household credit in Indonesia. Using a multinomial logit regression model and a sample of 294,426 households from the 2018 national socioeconomic survey and the village potential data, we find that account ownership is essential in encouraging formal credit and reducing informal credit. Access to commercial banks, rural banks, and cooperatives can then improve formal credit without significantly reducing informal credit. Hence, the government needs to encourage bank account ownership and facilitate access to financial institutions in order to promote formal credit and reduce informal credit.

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