The paper makes a review of the main of the models of discrimination and examines the possible sources of racial and gender discrimination in the labor market. From a theoretical point of view, the model shows that the discriminatory behavior of the employers is inversely related to the profits of the firms. The models of statistical discrimination assume that the creditor or employers don't have complete information on the individuals. These models use the characteristics of the groups that suffer discrimination, as race or its sex, to reduce the value of the credit or of the wage.
