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Accept or Reject: Do Immigrants Have LessAccess to Bank Credit?Evidence from Swedish Pawnshop Customers
Stockholm University, Faculty of Social Sciences, The Swedish Institute for Social Research (SOFI).
2012 (English)Report (Other academic)
Abstract [en]

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 formainstream bank credit and how successful they are by comparing credit ap-plications from immigrants and natives and the corresponding bank decisions.I do not Önd that immigrants have a di§erent propensity to apply for main-stream bank credit. However, I do Önd that banks have a lower propensity togrant loans to immigrants from African descent compared to their Nordic-borncounterparts. Robustness tests based on data from recent immigrants onlysuggest that the demand for credit varies with the duration of residence whiledi§erences in loan-granting rates are enduring.

Place, publisher, year, edition, pages
2012. , 41 p.
SULCIS reports and working papers, ISSN 1654-1189 ; 2012:1
Keyword [en]
Consumer credit, lending policy, alternative credit, pawn credit, immigrants
National Category
URN: urn:nbn:se:su:diva-118318OAI: diva2:821643
Available from: 2015-06-15 Created: 2015-06-15 Last updated: 2015-06-15

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