Limitations of Combining Hispanics and African Americans for Analysis of Credit Problems
Year: 2012
Type: article
Abstract: This study uses a combination of six Survey of Consumer Finances data sets to examine whether factors affecting credit delinquency differ by the racial/ethnic identity of households. Hispanic households are less likely than white households and white households are less likely than African American households to be delinquent. Our full model with interaction terms shows that the effects of financially adverse events, financial buffers and debt burden on the debt delinquency differ across racial/ethnic groups. Combining African American and Hispanic households into one racial/ethnic minority group as previous studies have done can be problematic.
Source: Journal of Consumer Affairs
Authors: JONGHEE LEE, SHERMAN D. HANNA
Institutions: Korea University, Korea University, The Ohio State University
Language: English
Subfield: Accounting
Domain: Social Sciences
SDG: Reduced inequalities
Open Access status: green
OpenAlex ID: W2091591760