DISCRIMINATION BY FORMAL LENDERS IN SOUTH AFRICA
Censored (Tobit) regression is used to estimate the effects of race, location of residence, and sex of the household head on formal debt held by South African households. The magnitude of the effects suggests that lenders discriminate and that formal financial markets could be improved even without technical innovation.
Year of publication: |
1995-11
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Authors: | SCHREINER, Mark ; GRAHAM, Douglas H. ; VINK, Nick ; COETZEE, Gerhard |
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