use of credit, at the individual and household level using representative pooled cross-section data drawn from the UK … Expenditure and Food Surveys (EFS), 2001 to 2007. Gambling and the use of credit are shown to be positively correlated at the … between gambling and the use of credit is remarkably stable across household income. In addition to our household level …

examines the effect of credit, insurance, and poverty (defined as more than just low income). It also explains bonded child …

%. At the household level, street paving increased the use of collateral-based credit and average loan size. Additionally … result of pavement. We provide compelling evidence that the mechanism explaining the durable goods increase is the credit … channel: the raise in durable goods as well as in credit use was only present among households with access to financial …

of start-ups in which firms' sales and profits depend on their productivity and access to credit. However, due to the … lack of collateral assets such as land, female entrepreneurs have more constrained access to credit than do men. Testing …