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Discrimination in Credit

In: Handbook on Economics of Discrimination and Affirmative Action

Author

Listed:
  • Sunil Mitra Kumar

    (King’s College London)

Abstract

This chapter provides a thematic discussion of discrimination in credit. Through a selective review of the literature, I illustrate that caste, gender, and race are all persistent axes of discrimination in credit, and that discrimination has been shown to exist across diverse contexts. I examine the main conceptual tools used in this literature to shed light on the causal mechanisms that lead to discrimination, and in particular attempt to delineate the role of individuals, institutions, and formal regulation. By briefly exploring the links between discrimination in credit and group-based inequality in other arenas of economy and society, I argue why the implications of the former extend far beyond credit alone, and are a powerful force in shaping inequality more generally including across generations.

Suggested Citation

  • Sunil Mitra Kumar, 2023. "Discrimination in Credit," Springer Books, in: Ashwini Deshpande (ed.), Handbook on Economics of Discrimination and Affirmative Action, chapter 27, pages 633-647, Springer.
  • Handle: RePEc:spr:sprchp:978-981-19-4166-5_14
    DOI: 10.1007/978-981-19-4166-5_14
    as

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