Advanced Search
MyIDEAS: Login to save this article or follow this journal

Legacy and credit scores in South Africa

Contents:

Author Info

  • C. Charles Okeahalam
Registered author(s):

    Abstract

    This paper assesses the impact of legacy and credit scores on access to bank credit in South Africa. Typically, credit data focuses on socio-economic information. However legacy variables, factors beyond the control of individuals, have not been well considered. We find that although credit scores clearly influence access to credit, legacy has a statistically significant impact on credit scores and on the amount of credit granted. While these results can be interpreted as bias against those with negative legacy, they can also be explained in terms of information asymmetry and the relative ability to enforce contracts with clients who have positive legacy.

    Download Info

    If you experience problems downloading a file, check if you have the proper application to view it first. In case of further problems read the IDEAS help page. Note that these files are not on the IDEAS site. Please be patient as the files may be large.
    File URL: http://hdl.handle.net/10.1080/02692171.2012.696591
    Download Restriction: Access to full text is restricted to subscribers.

    As the access to this document is restricted, you may want to look for a different version under "Related research" (further below) or search for a different version of it.

    Bibliographic Info

    Article provided by Taylor & Francis Journals in its journal International Review of Applied Economics.

    Volume (Year): 26 (2012)
    Issue (Month): 6 (May)
    Pages: 829-841

    as in new window
    Handle: RePEc:taf:irapec:v:26:y:2012:i:6:p:829-841

    Contact details of provider:
    Web page: http://www.tandfonline.com/CIRA20

    Order Information:
    Web: http://www.tandfonline.com/pricing/journal/CIRA20

    Related research

    Keywords:

    References

    No references listed on IDEAS
    You can help add them by filling out this form.

    Citations

    Lists

    This item is not listed on Wikipedia, on a reading list or among the top items on IDEAS.

    Statistics

    Access and download statistics

    Corrections

    When requesting a correction, please mention this item's handle: RePEc:taf:irapec:v:26:y:2012:i:6:p:829-841. See general information about how to correct material in RePEc.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (Michael McNulty).

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If references are entirely missing, you can add them using this form.

    If the full references list an item that is present in RePEc, but the system did not link to it, you can help with this form.

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your profile, as there may be some citations waiting for confirmation.

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.