annual time series data (1971-2010) from Ghana. Three measures of financial development are used: domestic credit as a share … of GDP; domestic credit to private sector as a share of GDP and broad money supply as a share of GDP. Evidence from our …

Using data from the 1977 Consumer Credit Survey and from the 1989 Survey of Consumer Finances, we investigate changes …

protected groups in the provision of credit is tested. Using household data avoids the inherent sample selectivity problem of … are more likely to be rejected for credit than whites. Also, nonwhites, single parent families, and female heads are more … likely to be discouraged from applying for credit. Taken together these results suggest that race is still a factor in the …