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Discrimination Expectations in the Credit Market: Survey Evidence from India

Author

Listed:
  • Stefano Fiorin
  • Joseph Hall
  • Martin Kanz

Abstract

We present results from a representative survey and an information experiment to provide evidence on discrimination expectations. We find that discrimination based on gender, caste, and religion is perceived to be widespread in society overall and in the credit market. Support for affirmative action is shaped by the extent of expected discrimination against a group and by respondents' own group identity and social attitudes. Information about the true extent of discrimination is effective in correcting inaccurate discrimination expectations but has no meaningful impact on support for policies designed to reduce discrimination in practice.

Suggested Citation

  • Stefano Fiorin & Joseph Hall & Martin Kanz, 2025. "Discrimination Expectations in the Credit Market: Survey Evidence from India," AEA Papers and Proceedings, American Economic Association, vol. 115, pages 351-356, May.
    • Handle: RePEc:aea:apandp:v:115:y:2025:p:351-56
    DOI: 10.1257/pandp.20251098
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    More about this item

    JEL classification:

    • D84 - Microeconomics - - Information, Knowledge, and Uncertainty - - - Expectations; Speculations
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • J15 - Labor and Demographic Economics - - Demographic Economics - - - Economics of Minorities, Races, Indigenous Peoples, and Immigrants; Non-labor Discrimination
    • J16 - Labor and Demographic Economics - - Demographic Economics - - - Economics of Gender; Non-labor Discrimination
    • O15 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Economic Development: Human Resources; Human Development; Income Distribution; Migration
    • O16 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance
    • Z12 - Other Special Topics - - Cultural Economics - - - Religion

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