“…Therefore, this study will discuss socio-demographic determinants of credit rationing. Specific factors in the socio-demographic determinants of credit rationing include gender (Vitor et al, 2014;Cheng and Ahmed, 2014;Fletschner, 2009;Chiu et al, 2014;Menkhoff and Rungruxsirivorn, 2011;Mijid and Bernasek, 2013;Zeller, 1994), income (Duca and Rosenthal, 1991;Zeller, 1994), distance (Zeller, 1994), financing duration (Carling and Lundberg, 2005;Ferri and Murro, 2014), savings duration (Vitor et al, 2014;Dusuki, 2008), education level (Al-Azzam, Hill, and Sarangi, 2012;Duong and Izumida, 2002;Menkhoff and Rungruxsirivorn, 2011), marital status (Cheng and Ahmed, 2014;Papias and Ganesan, 2010), dependency (Duong and Izumida, 2002;Zeller, 1994) and whether or not the head of household is the credit applicant (Duong and Izumida, 2002;Mason, 2014;Togba, 2012).…”