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Consumer Credit And The Poor
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Author :United States. Congress. Senate. Committee on Banking and Currency. Subcommittee on Financial Institutions Publisher : ISBN 13 : Total Pages :166 pages Book Rating :4.:/5 (31 download)
Book Synopsis Consumer Credit and the Poor by : United States. Congress. Senate. Committee on Banking and Currency. Subcommittee on Financial Institutions
Download or read book Consumer Credit and the Poor written by United States. Congress. Senate. Committee on Banking and Currency. Subcommittee on Financial Institutions and published by . This book was released on 1968 with total page 166 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Consumer Credit and the American Economy by : Thomas A. Durkin
Download or read book Consumer Credit and the American Economy written by Thomas A. Durkin and published by . This book was released on 2014 with total page 737 pages. Available in PDF, EPUB and Kindle. Book excerpt: Consumer Credit and the American Economy examines the economics, behavioral science, sociology, history, institutions, law, and regulation of consumer credit in the United States. After discussing the origins and various kinds of consumer credit available in today's marketplace, this book reviews at some length the long run growth of consumer credit to explore the widely held belief that somehow consumer credit has risen "too fast for too long." It then turns to demand and supply with chapters discussing neoclassical theories of demand, new behavioral economics, and evidence on production costs and why consumer credit might seem expensive compared to some other kinds of credit like government finance. This discussion includes review of the economics of risk management and funding sources, as well discussion of the economic theory of why some people might be limited in their credit search, the phenomenon of credit rationing. This examination includes review of issues of risk management through mathematical methods of borrower screening known as credit scoring and financial market sources of funding for offerings of consumer credit. The book then discusses technological change in credit granting. It examines how modern automated information systems called credit reporting agencies, or more popularly "credit bureaus," reduce the costs of information acquisition and permit greater credit availability at less cost. This discussion is followed by examination of the logical offspring of technology, the ubiquitous credit card that permits consumers access to both payments and credit services worldwide virtually instantly. After a chapter on institutions that have arisen to supply credit to individuals for whom mainstream credit is often unavailable, including "payday loans" and other small dollar sources of loans, discussion turns to legal structure and the regulation of consumer credit. There are separate chapters on the theories behind the two main thrusts of federal regulation to this point, fairness for all and financial disclosure. Following these chapters, there is another on state regulation that has long focused on marketplace access and pricing. Before a final concluding chapter, another chapter focuses on two noncredit marketplace products that are closely related to credit. The first of them, debt protection including credit insurance and other forms of credit protection, is economically a complement. The second product, consumer leasing, is a substitute for credit use in many situations, especially involving acquisition of automobiles. This chapter is followed by a full review of consumer bankruptcy, what happens in the worst of cases when consumers find themselves unable to repay their loans. Because of the importance of consumer credit in consumers' financial affairs, the intended audience includes anyone interested in these issues, not only specialists who spend much of their time focused on them. For this reason, the authors have carefully avoided academic jargon and the mathematics that is the modern language of economics. It also examines the psychological, sociological, historical, and especially legal traditions that go into fully understanding what has led to the demand for consumer credit and to what the markets and institutions that provide these products have become today.
Book Synopsis Consumer Credit and Poor, Hearing Before the Subcommittee on Financial Institutions of ..., 90-2 ..., April 19, 1968 by : United States. Congress. Senate. Banking and Currency Committee
Download or read book Consumer Credit and Poor, Hearing Before the Subcommittee on Financial Institutions of ..., 90-2 ..., April 19, 1968 written by United States. Congress. Senate. Banking and Currency Committee and published by . This book was released on 1968 with total page 164 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :Canada. Parlement. Sénat. Comité spécial sur la pauvreté Publisher :Toronto: J.S. Ziegel ISBN 13 : Total Pages :46 pages Book Rating :4.:/5 (157 download)
Book Synopsis Consumer Credit and the Low Income Consumer: Brief to the Special Senate Committee on Poverty by : Canada. Parlement. Sénat. Comité spécial sur la pauvreté
Download or read book Consumer Credit and the Low Income Consumer: Brief to the Special Senate Committee on Poverty written by Canada. Parlement. Sénat. Comité spécial sur la pauvreté and published by Toronto: J.S. Ziegel. This book was released on 1970 with total page 46 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Consumer Lending in France and America by : Gunnar Trumbull
Download or read book Consumer Lending in France and America written by Gunnar Trumbull and published by Cambridge University Press. This book was released on 2014-08-11 with total page 241 pages. Available in PDF, EPUB and Kindle. Book excerpt: Why did America embrace consumer credit over the course of the twentieth century, when most other countries did not? How did American policy makers by the late twentieth century come to believe that more credit would make even poor families better off? This book traces the historical emergence of modern consumer lending in America and France. If Americans were profligate in their borrowing, the French were correspondingly frugal. Comparison of the two countries reveals that America's love affair with credit was not primarily the consequence of its culture of consumption, as many writers have observed, nor directly a consequences of its less generous welfare state. It emerged instead from evolving coalitions between fledgling consumer lenders seeking to make their business socially acceptable and a range of non-governmental groups working to promote public welfare, labor, and minority rights. In France, where a similar coalition did not emerge, consumer credit continued to be perceived as economically regressive and socially risky.
Book Synopsis Debtfare States and the Poverty Industry by : Susanne Soederberg
Download or read book Debtfare States and the Poverty Industry written by Susanne Soederberg and published by Routledge. This book was released on 2014-09-19 with total page 347 pages. Available in PDF, EPUB and Kindle. Book excerpt: WINNER of the BISA IPEG Book Prize 2015 http://www.bisa-ipeg.org/ipeg-book-prize-2015-winner-announced/ Under the rubric of ‘financial inclusion’, lending to the poor –in both the global North and global South –has become a highly lucrative and rapidly expanding industry since the 1990s. A key inquiry of this book is what is ‘the financial’ in which the poor are asked to join. Instead of embracing the mainstream position that financial inclusion is a natural, inevitable and mutually beneficial arrangement, Debtfare States and the Poverty Industry suggests that the structural violence inherent to neoliberalism and credit-led accumulation have created and normalized a reality in which the working poor can no longer afford to live without expensive credit. The book further transcends economic treatments of credit and debt by revealing how the poverty industry is extricably linked to the social power of money, the paradoxes in credit-led accumulation, and ‘debtfarism’. The latter refers to rhetorical and regulatory forms of governance that mediate and facilitate the expansion of the poverty industry and the reliance of the poor on credit to augment/replace their wages. Through a historically grounded analysis, the author examines various dimensions of the poverty industry ranging from the credit card, payday loan, and student loan industries in the United States to micro-lending and low-income housing finance industries in Mexico. Providing a much-needed theorization of the politics of debt, Debtfare States and the Poverty Industry has wider implications of the increasing dependence of the poor on consumer credit across the globe, this book will be of very strong interest to students and scholars of Global Political Economy, Finance, Development Studies, Geography, Law, History, and Sociology. The Open Access version of this book, available at http://www.taylorfrancis.com/books/e/9781315761954, has been made available under a Creative Commons Attribution-Non Commercial-No Derivatives 4.0 license. https://www.youtube.com/watch?v=2lU6PHjyOzU
Book Synopsis Credit Markets for the Poor by : Patrick Bolton
Download or read book Credit Markets for the Poor written by Patrick Bolton and published by Russell Sage Foundation. This book was released on 2005-06-30 with total page 315 pages. Available in PDF, EPUB and Kindle. Book excerpt: Access to credit is an important means of providing people with the opportunity to make a better life for themselves. Loans are essential for most people who want to purchase a home, start a business, pay for college, or weather a spell of unemployment. Yet many people in poor and minority communities—regardless of their creditworthiness—find credit hard to come by, making the climb out of poverty extremely difficult. How dire are the lending markets in these communities and what can be done to improve access to credit for disadvantaged groups? In Credit Markets for the Poor, editors Patrick Bolton and Howard Rosenthal and an expert team of economists, political scientists, and legal and business scholars tackle these questions with shrewd analysis and a wealth of empirical data. Credit Markets for the Poor opens by examining what credit options are available to poor households. Economist John Caskey profiles how weak credit options force many working families into a disastrous cycle of short-term, high interest loans in order to sustain themselves between paychecks. Löic Sadoulet explores the reasons that community lending organizations, which have been so successful in developing countries, have failed in more advanced economies. He argues the obstacles that have inhibited community lending groups in industrialized countries—such as a lack of institutional credibility and the high cost of establishing lending networks—can be overcome if banks facilitate the community lending process and establish a system of repayment insurance. Credit Markets for the Poor also examines how legal institutions affect the ability of the poor to borrow. Daniela Fabbri and Mario Padula argue that well-meaning provisions making it more difficult for lenders to collect on defaulted loans are actually doing a disservice to the poor in credit markets. They find that in areas with lax legal enforcement of debt agreements, credit markets for the poor are underdeveloped because lenders are unwilling to take risks on issuing credit or will do so only at exorbitant interest rates. Timothy Bates looks at programs that facilitate small-business development and finds that they have done little to reduce poverty. He argues that subsidized business creation programs may lure inexperienced households into entrepreneurship in areas where little profitable investment is possible, hence setting them up for failure. With clarity and insightful analysis, Credit Markets for the Poor demonstrates how weak credit markets are impeding the social and economic mobility of the needy. By detailing the many disadvantages that impoverished people face when seeking to borrow, this important new volume highlights a significant national problem and offers solutions for the future.
Book Synopsis Consumer Credit and Poor, Hearing Before the Subcommittee on Financial Institutions of ..., 90-2 ..., April 19, 1968 by : United States. Congress. Senate. Banking and Currency Committee
Download or read book Consumer Credit and Poor, Hearing Before the Subcommittee on Financial Institutions of ..., 90-2 ..., April 19, 1968 written by United States. Congress. Senate. Banking and Currency Committee and published by . This book was released on 1968 with total page 154 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Credit, Debt and Poverty by : Richard Berthoud
Download or read book Credit, Debt and Poverty written by Richard Berthoud and published by . This book was released on 1989 with total page 54 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Green Power written by and published by . This book was released on 1969 with total page 90 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Problems of the Poor by : Homer Kripke
Download or read book Problems of the Poor written by Homer Kripke and published by . This book was released on 1967 with total page 264 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis (Papers of The) Seminar on Consumer?Credit for the Poor by :
Download or read book (Papers of The) Seminar on Consumer?Credit for the Poor written by and published by . This book was released on 1989 with total page 197 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Green Power by : Community Action Program (U.S.)
Download or read book Green Power written by Community Action Program (U.S.) and published by . This book was released on 1969 with total page 96 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Consumer credit and the poor. Hearing, ... Ninetieth Congress, second session on the Federal Trade Commission report on credit practices. April 19, 1968 by :
Download or read book Consumer credit and the poor. Hearing, ... Ninetieth Congress, second session on the Federal Trade Commission report on credit practices. April 19, 1968 written by and published by . This book was released on 1968 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Consumer Credit Dependency: an Experimental Approach to Measuring Poverty and the Impacts of Welfare Policy by : Stephanie N.. Monjaraz
Download or read book Consumer Credit Dependency: an Experimental Approach to Measuring Poverty and the Impacts of Welfare Policy written by Stephanie N.. Monjaraz and published by . This book was released on 2013 with total page 154 pages. Available in PDF, EPUB and Kindle. Book excerpt: Consumer debt has risen at an average annual rate of 4.1 percent over the last 20 years and while that is not in itself shocking, when compared to the average annual growth of the family household income which has only grown by an annual average rate of 0.6 percent over the same time period the width of the gap between consumer debt and income growth is. Given this large outweigh, this study argues that the official poverty threshold should be revised and account for this modern debt conundrum. This study uses longitudinal data from the Panel Study of Income Dynamics and estimates the effect specific welfare policies have on alternative poverty measures. We contribute to the literature by statistically evaluating a new experimental poverty measure, debt poor, which accounts for the negative impact interest payments, on non-mortgage debt, have on a household's disposable income. The 17 welfare policies analyzed in this study directly impact poverty and are grouped into three categories: eligibility requirements, financial incentives to work, and time limits. State-level, household-level and women specific entity and time fixed effects were specified for over 7,000 households residing in 48 different states during 2001-2009. The results indicate that financial incentives to work and time limits have significant and robust effects on alternative poverty measures. States with stricter time limit policies reduce poverty by 0.06-0.9 percentage points. While states with time limit exemptions for ill/incapacitated individuals increases poverty 0.07 percentage points. Suggesting that the existing welfare programs actually encourage individuals to remain on welfare Overall, the results are mixed. Nonetheless, the concept of welfare policies impacting debt poor households should not be ignored. Future studies should reevaluate an experimental poverty measure that considers interest payments on consumer debt.
Book Synopsis The Worst Poverty by : Hugh Barty-King
Download or read book The Worst Poverty written by Hugh Barty-King and published by . This book was released on 1997 with total page 228 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Consumer Action and the War on Poverty by :
Download or read book Consumer Action and the War on Poverty written by and published by . This book was released on 1965 with total page 80 pages. Available in PDF, EPUB and Kindle. Book excerpt:
