SULCIS Working Papers, Stockholm University Linnaeus Center for Integration Studies - SULCIS
No 2012:1:
Accept or Reject: Do Immigrants Have Less Access to Bank Credit? Evidence from Swedish Pawnshop Customers
Marieke Bos ()
Abstract: This paper studies to what extent immigrants have less
access to main- stream credit than their native counterparts. For this
purpose I use a large, unique data set with a panel of Swedish pawnshop
customers. The data al- low me to investigate to what extent pawnshop
customers actively apply for mainstream bank credit and how successful they
are by comparing credit ap- plications from immigrants and natives and the
corresponding bank decisions. I do not …nd that immigrants have a di¤erent
propensity to apply for main- stream bank credit. However, I do …nd that
banks have a lower propensity to grant loans to immigrants from African
descent compared to their Nordic-born counterparts. Robustness tests based
on data from recent immigrants only suggest that the demand for credit
varies with the duration of residence while di¤erences in loan-granting
rates are enduring.
Keywords: Consumer credit; lending policy; alternative credit; pawn credit; immigrants; (follow links to similar papers)
JEL-Codes: C34; C35; D63; D81; G21; (follow links to similar papers)
42 pages, January 24, 2012
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