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Low-Income Households and Credit: Exclusion, Preference, and Inclusion

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  • J Ford
  • K Rowlingson

Abstract

In this paper it is suggested that current debates on financial exclusion are often too narrowly drawn and institutionally focused. As a consequence, less recognition is given to the availability and use of other regulated financial services such as mail order and moneylending. Drawing on data from a number of recent studies, the authors explore the structures and processes involved in the provision and use of these additional credit sources and assess their costs and benefits. It is suggested that alongside institutional exclusion are processes of self-exclusion, and also inclusion. The implications of such credit patterns for social and economic life in low-income communities are raised.

Suggested Citation

  • J Ford & K Rowlingson, 1996. "Low-Income Households and Credit: Exclusion, Preference, and Inclusion," Environment and Planning A, , vol. 28(8), pages 1345-1360, August.
    • Handle: RePEc:sae:envira:v:28:y:1996:i:8:p:1345-1360
    DOI: 10.1068/a281345
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    Cited by:

    1. Hugh Morris, 2012. "Financial Exclusion and Australian Domestic General Insurance: The Impact of Financial Services Reforms," PhD Thesis, Finance Discipline Group, UTS Business School, University of Technology, Sydney, number 33, July-Dece.
    2. Duncan Fuller & Mary Mellor, 2008. "Banking for the Poor: Addressing the Needs of Financially Excluded Communities in Newcastle upon Tyne," Urban Studies, Urban Studies Journal Limited, vol. 45(7), pages 1505-1524, June.
    3. Shao, KaiChao & Ma, Ruixue & Kamber, Joseph, 2023. "An in-depth analysis of the entrepreneurship of rural Chinese mothers and the digital inclusive finance," Telecommunications Policy, Elsevier, vol. 47(7).
    4. Rajat Deb, 2016. "Determinants of Savings in Sukanya Samriddhi Account: Evidence from Tripura," IIM Kozhikode Society & Management Review, , vol. 5(2), pages 120-140, July.
    5. Hugh Morris, 2012. "Financial Exclusion and Australian Domestic General Insurance: The Impact of Financial Services Reforms," PhD Thesis, Finance Discipline Group, UTS Business School, University of Technology, Sydney, number 3-2012.
    6. Tekeste Berhanu Lakew & Hossein Azadi, 2020. "Financial Inclusion in Ethiopia: Is It on the Right Track?," IJFS, MDPI, vol. 8(2), pages 1-13, May.

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