Neighborhood Racial Characteristics, Credit History, and Bankcard Credit in Indian Country
We draw on a large-scale dataset of individual-level credit bureau records to study bankcard credit limits in Indian Country. Utilizing approaches that aim to isolate supply from demand considerations, we find that residing in a predominantly American Indian neighborhood is ceteris paribus associate...
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| Veröffentlicht in: | Comparative economic studies 2018-09, Vol.60 (3), p.410-441 |
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| container_title | Comparative economic studies |
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| creator | Dimitrova-Grajzl, Valentina Grajzl, Peter Guse, A. Joseph Todd, Richard M. Williams, Michael |
| description | We draw on a large-scale dataset of individual-level credit bureau records to study bankcard credit limits in Indian Country. Utilizing approaches that aim to isolate supply from demand considerations, we find that residing in a predominantly American Indian neighborhood is ceteris paribus associated with lower awarded bankcard credit limits than residing in a neighborhood where the share of American Indian residents is low. Consumer’s credit history is a robust and quantitatively more important predictor of awarded credit limits than racial composition of the consumer’s neighborhood. Bankcard credit limits do not depend on the consumer’s location vis-à-vis a reservation. |
| doi_str_mv | 10.1057/s41294-018-0064-6 |
| format | Article |
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Bankcard credit limits do not depend on the consumer’s location vis-à-vis a reservation.</description><identifier>ISSN: 0888-7233</identifier><identifier>EISSN: 1478-3320</identifier><identifier>DOI: 10.1057/s41294-018-0064-6</identifier><language>eng</language><publisher>London: Palgrave Macmillan UK</publisher><subject>American Indians ; Credit ; Credit cards ; Credit ratings ; Economic aspects ; Economics ; Economics and Finance ; Individual differences ; International Economics ; Limitations ; Native American reservations ; Native Americans ; Neighborhoods ; Political Economy/Economic Systems ; Race discrimination ; Social aspects ; Supply & demand ; Supply and demand</subject><ispartof>Comparative economic studies, 2018-09, Vol.60 (3), p.410-441</ispartof><rights>Association for Comparative Economic Studies 2018</rights><rights>COPYRIGHT 2018 Palgrave Macmillan Ltd. 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| subjects | American Indians Credit Credit cards Credit ratings Economic aspects Economics Economics and Finance Individual differences International Economics Limitations Native American reservations Native Americans Neighborhoods Political Economy/Economic Systems Race discrimination Social aspects Supply & demand Supply and demand |
| title | Neighborhood Racial Characteristics, Credit History, and Bankcard Credit in Indian Country |
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