Discrimination in credit

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This essay 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.
Original languageEnglish
Title of host publicationHandbook on Economics of Discrimination and Affirmative Action
EditorsAshwini Deshpande
Place of PublicationSingapore
ISBN (Electronic)978-981-33-4016-9
ISBN (Print)978-981-33-4016-9
Publication statusAccepted/In press - 2021


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