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Gambling and credit: an individual and household level analysis for the UK


  • Sarah Brown

    () (Economics - University of Sheffield [Sheffield])

  • Andy Dickerson

    () (Economics - University of Sheffield [Sheffield])

  • Jolian Mchardy

    () (Economics - University of Sheffield [Sheffield])

  • Karl Taylor

    () (Economics - University of Sheffield [Sheffield])


We explore the relationship between gambling and the use of credit at the individual and household levels using representative pooled cross-section data from the UK Expenditure and Food Surveys (2001-2007). Gambling and the use of credit are shown to be positively correlated at the household level. We find that both the incidence and amount of gambling vary according to household income and the positive association between gambling and credit is stable across household income. It is also apparent that there is strong intra-household correlation in both gambling activity and the use of credit, with stronger relationships in lower income households.

Suggested Citation

  • Sarah Brown & Andy Dickerson & Jolian Mchardy & Karl Taylor, 2011. "Gambling and credit: an individual and household level analysis for the UK," Post-Print hal-00720581, HAL.
  • Handle: RePEc:hal:journl:hal-00720581
    DOI: 10.1080/00036846.2011.593502
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    References listed on IDEAS

    1. Reint Gropp & John Karl Scholz & Michelle J. White, 1997. "Personal Bankruptcy and Credit Supply and Demand," The Quarterly Journal of Economics, Oxford University Press, vol. 112(1), pages 217-251.
    2. Sarah Brown & Gaia Garino & Karl Taylor, 2008. "Mortgages and Financial Expectations: A Household-Level Analysis," Southern Economic Journal, Southern Economic Association, vol. 74(3), pages 857-878, January.
    3. Sarah Brown & Karl Taylor, 2008. "Household debt and financial assets: evidence from Germany, Great Britain and the USA," Journal of the Royal Statistical Society Series A, Royal Statistical Society, vol. 171(3), pages 615-643, June.
    4. Ida, Takanori & Goto, Rei, 2009. "Interdependency among addictive behaviours and time/risk preferences: Discrete choice model analysis of smoking, drinking, and gambling," Journal of Economic Psychology, Elsevier, vol. 30(4), pages 608-621, August.
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    Cited by:

    1. Christoph Engel & Alexandra Fedorets & Olga Gorelkina, 2018. "How Do Households Allocate Risk?," SOEPpapers on Multidisciplinary Panel Data Research 1000, DIW Berlin, The German Socio-Economic Panel (SOEP).

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