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The determinants of unsecured borrowing: evidence from the BHPS

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Author Info
Ana del Río
Garry Young

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Abstract

The British Household Panel Survey (BHPS) for 1995 and 2000 is used to examine the determinants of participation in the unsecured debt market and the amount borrowed. Age, income, positive financial prospects and housing tenure are found to be significant in probit models for participation. Income is the main variable explaining cross-sectional differences in unsecured debts.

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Publisher Info
Article provided by Taylor and Francis Journals in its journal Applied Financial Economics.

Volume (Year): 16 (2006)
Issue (Month): 15 (October)
Pages: 1119-1144
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Handle: RePEc:taf:apfiec:v:16:y:2006:i:15:p:1119-1144

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References listed on IDEAS
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:

  1. Jappelli, Tullio, 1990. "Who Is Credit Constrained in the U.S. Economy?," The Quarterly Journal of Economics, MIT Press, vol. 105(1), pages 219-34, February. [Downloadable!] (restricted)
  2. Heckman, James J, 1979. "Sample Selection Bias as a Specification Error," Econometrica, Econometric Society, vol. 47(1), pages 153-61, January. [Downloadable!] (restricted)
  3. John Muellbauer & Emilio Fernandez-Corugedo, 2004. "Consumer credit conditions in the UK," Money Macro and Finance (MMF) Research Group Conference 2003 70, Money Macro and Finance Research Group. [Downloadable!]
  4. Bayoumi, Tamim A, 1993. "Financial Deregulation and Consumption in the United Kingdom," The Review of Economics and Statistics, MIT Press, vol. 75(3), pages 536-39, August. [Downloadable!] (restricted)
  5. Davies, A J & Weber, G, 1991. "Credit and British consumers: some micro evidence," Fiscal Studies, Institute for Fiscal Studies, vol. 12(2), pages 61-84, May.
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(explanations, Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.)

  1. Ana Del-Rí­o & Garry Young, . "The impact of unsecured debt on financial distress among British households," Bank of England working papers 262, Bank of England. [Downloadable!]
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