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Credit And Consumer Society
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Book Synopsis Credit and Consumer Society by : Dawn Burton
Download or read book Credit and Consumer Society written by Dawn Burton and published by Routledge. This book was released on 2008 with total page 182 pages. Available in PDF, EPUB and Kindle. Book excerpt: This title argues that advanced societies have moved towards new modes of sanctioning, delivering and collecting credit that mark the contemporary period as fundamentally different from previous eras.
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 Credit and Debt in an Unequal Society by : Jürgen Schraten
Download or read book Credit and Debt in an Unequal Society written by Jürgen Schraten and published by Berghahn Books. This book was released on 2020-02-03 with total page 212 pages. Available in PDF, EPUB and Kindle. Book excerpt: South Africa was one of the first countries in the Global South that established a financialized consumer credit market. This market consolidates rather than alleviates the extreme social inequality within a country. This book investigates the political reasons for adopting an allegedly self-regulating market despite its disastrous effects and identifies the colonialist ideas of property rights as a mainstay of the existing social order. The book addresses sociologists, political scientists, anthropologists and legal scholars interested in the interaction of economy and law in contemporary market societies.
Book Synopsis Consumer Culture and Society by : Wendy Wiedenhoft Murphy
Download or read book Consumer Culture and Society written by Wendy Wiedenhoft Murphy and published by SAGE Publications. This book was released on 2016-07-27 with total page 273 pages. Available in PDF, EPUB and Kindle. Book excerpt: Consumer Culture and Society offers an introduction to the study of consumerism and consumption from a sociological perspective. Author Wendy Wiedenhoft Murphy examines what we buy, how and where we consume, the meanings attached to the things we purchase, and the social forces that enable and constrain consumer behavior. Opening chapters provide a theoretical overview and history of consumer society and featured case studies look at mass consumption in familiar contexts, such as tourism, food, and higher education. The book explores ethical and political concerns, including consumer activism, indebtedness, alternative forms of consumption, and dilemmas surrounding the globalization of consumer culture.
Book Synopsis The Consumer Society by : Neva R. Goodwin
Download or read book The Consumer Society written by Neva R. Goodwin and published by Island Press. This book was released on 2013-04-16 with total page 427 pages. Available in PDF, EPUB and Kindle. Book excerpt: The developed countries, particularly the United States, consume a disproportionate share of the world's resources, yet high and rising levels of consumption do not necessarily lead to greater satisfaction, security, or well-being, even for affluent consumers. The Consumer Society provides brief summaries of the most important and influential writings on the environmental, moral, and social implications of a consumer society and consumer lifestyles. Each section consists of ten to twelve summaries of critical writings in a specific area, with an introductory essay that outlines the state of knowledge in that area and indicates where further research is needed. Sections cover: Scope and Definition Consumption in the Affluent Society Family, Gender, and Socialization The History of Consumerism Foundations of Economic Theories of Consumption Critiques and Alternatives in Economic Theory Perpetuating Consumer Culture: Media, Advertising, and Wants Creation Consumption and the Environment Globalization and Consumer Culture Visions of an Alternative This book is the second volume in the Frontier Issues in Economic Thought series, which provides surveys of the most significant writings in emergent areas of economics -- an invaluable aid in fast-growing fields where genuine new ground is being broken. The series brings together economists, sociologists, psychologists, and philosophers to develop analyses that challenge and enrich the dominant neoclassical paradigm. The Consumer Society is an essential guide to and summary of the literature of consumption and will be of interest to anyone concerned with the deeper economic, social, and ethical implications of consumerism.
Book Synopsis Credit and Consumer Society by : Dawn Burton
Download or read book Credit and Consumer Society written by Dawn Burton and published by Routledge. This book was released on 2012-08-06 with total page 182 pages. Available in PDF, EPUB and Kindle. Book excerpt: The language of credit and debt is almost ubiquitous in daily life. In advanced modern societies, financial institutions and other organizations have become increasingly active in lending money to consumers, and consumers apparently more than willing to take advantage. This groundbreaking new book offers an analysis of this important phenomenon, arguing that we have entered an era in which credit and debt are sanctioned, delivered and collected through new cultural and economic mechanisms. Written in an accessible and straightforward style, the book takes a multi-disciplinary approach, examining consumer credit and debt in both societal and economic contexts. It explores key topics such as: the historical context of credit and debt current theories of a consumer-centred society the credit industry attempts at government regulation. Credit and Consumer Society establishes the wider analysis of consumer credit and debt as a discipline in its own right. It is important reading for students and researchers in business and management, finance, public policy and sociology, as well as for policy makers and consumer groups working directly in this field.
Book Synopsis The Consumer Society Reader by : Juliet Schor
Download or read book The Consumer Society Reader written by Juliet Schor and published by The New Press. This book was released on 2011-07-26 with total page 530 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Consumer Society Reader features a range of key works on the nature and evolution of consumer society. Included here is much-discussed work by leading critics such as Jean Baudrillard, Susan Bordo, Dick Hebdige, bell hooks, and Janice Radway. Also included is a full range of classics, such as Frankfurt School writers Adorno and Horkheimer on the Culture Industry; Thorstein Veblen's oft-cited writings on "conspicuous consumption"; Betty Friedan on the housewife's central role in consumer society; John Kenneth Galbraith's influential analysis of the "affluent society"; and Pierre Bourdieu on the notion of "taste." "Consumer society--the 'air we breathe,' as George Orwell has described it--disappears during economic downtruns and political crises. It becomes visible again when prosperity seems secure, cultural transformation is too rapid, or enviornmental disasters occur. Such is the time in which we now find ourselves. As the roads clog with gas-guzzling SUVs and McMansions proliferate in the suburbs, the nation is once again asking fundamental questions about lifestyle. Has 'luxury fever,' to use Robert Frank's phrase, gotten out of hand? Are we really comfortable with the 'Brand Is Me' mentality? Have we gone too far in pursuit of the almighty dollar, to the detriment of our families, communities, and natural enviornment? Even politicians, ordinarily impermeable to questions about consumerism, are voicing doubts... [and] polls suggest majorities of Americans feel the country has become too materialistic, too focused on getting and spending, and increasingly removed from long-standing non-materialist values." —From the introduction by Douglas B. Holt and Juliet B. Schor
Book Synopsis Consumer Society in American History by : Lawrence B. Glickman
Download or read book Consumer Society in American History written by Lawrence B. Glickman and published by Cornell University Press. This book was released on 1999 with total page 436 pages. Available in PDF, EPUB and Kindle. Book excerpt: This volume offers the most comprehensive and incisive exploration of American consumer history to date, spanning the four centuries from the colonial era to the present.
Book Synopsis Expressing America by : George Ritzer
Download or read book Expressing America written by George Ritzer and published by SAGE Publications. This book was released on 1995-02-09 with total page 259 pages. Available in PDF, EPUB and Kindle. Book excerpt: The explosive growth of consumer credit, as well as the shift from cash to "plastic" in societies throughout the world signals a transformation in social relations, which is the focus of this book. For student readers who know the world of credit cards all too well, this is a great way to interest and educate them on the power of thinking sociologically.
Download or read book Creditworthy written by Josh Lauer and published by Columbia University Press. This book was released on 2017-07-25 with total page 393 pages. Available in PDF, EPUB and Kindle. Book excerpt: The first consumer credit bureaus appeared in the 1870s and quickly amassed huge archives of deeply personal information. Today, the three leading credit bureaus are among the most powerful institutions in modern life—yet we know almost nothing about them. Experian, Equifax, and TransUnion are multi-billion-dollar corporations that track our movements, spending behavior, and financial status. This data is used to predict our riskiness as borrowers and to judge our trustworthiness and value in a broad array of contexts, from insurance and marketing to employment and housing. In Creditworthy, the first comprehensive history of this crucial American institution, Josh Lauer explores the evolution of credit reporting from its nineteenth-century origins to the rise of the modern consumer data industry. By revealing the sophistication of early credit reporting networks, Creditworthy highlights the leading role that commercial surveillance has played—ahead of state surveillance systems—in monitoring the economic lives of Americans. Lauer charts how credit reporting grew from an industry that relied on personal knowledge of consumers to one that employs sophisticated algorithms to determine a person's trustworthiness. Ultimately, Lauer argues that by converting individual reputations into brief written reports—and, later, credit ratings and credit scores—credit bureaus did something more profound: they invented the modern concept of financial identity. Creditworthy reminds us that creditworthiness is never just about economic "facts." It is fundamentally concerned with—and determines—our social standing as an honest, reliable, profit-generating person.
Book Synopsis Money and Credit by : Bruce G. Carruthers
Download or read book Money and Credit written by Bruce G. Carruthers and published by John Wiley & Sons. This book was released on 2013-05-03 with total page 284 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book offers a fresh and uniquely sociological perspective on money and credit. As basic economic institutions, money and credit are easy to overlook when they work well. When they malfunction, as they did in the new millennium’s global financial crisis, their importance becomes obvious and demands further investigation. Bruce Carruthers and Laura Ariovich examine the social dimensions of money and credit at both the individual and corporate levels, from the development of personal credit and a consumer society, to the role of government in the creation of money. In clear prose, they illustrate how the overall future of the economy is governed by the financial system and the flow of capital into, and out of, firms operating in particular industrial sectors, as well as the social meanings money itself acquires and the ways people distinguish between “dirty” and “clean” money. This accessible and engaging book will be essential reading for upper-level students of economic sociology, and those interested in how the bills, coins and plastic in our pockets shape the world we live in.
Book Synopsis The Birth of a Consumer Society by : Neil McKendrick
Download or read book The Birth of a Consumer Society written by Neil McKendrick and published by Routledge. This book was released on 1982 with total page 366 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Collecting in a Consumer Society by : Russell W. Belk
Download or read book Collecting in a Consumer Society written by Russell W. Belk and published by Routledge. This book was released on 2013-01-11 with total page 204 pages. Available in PDF, EPUB and Kindle. Book excerpt: This groundbreaking book examines the relationship between the development of the consumer society and the rise of collecting by individuals and institutions. Rusell Belk considers how and why people collect, as individuals, corporations and museums, and the impact this collecting has on us and our culture. Collecting in a Consumer Society outlines the history of museum collecting from ancient civilizations to the present. It also looks at aspects of consumer culture - advertizing, department stores, mass merchandizing, consumer desires, and how this relates to the activity of collecting. Collecting in a Consumer Society is the first book to focus on collecting as material consumption. This is a provocative and engaging book, essential reading for anyone involved with the process of collecting.
Book Synopsis Consumer Culture by : Roberta Sassatelli
Download or read book Consumer Culture written by Roberta Sassatelli and published by SAGE. This book was released on 2007-05-17 with total page 254 pages. Available in PDF, EPUB and Kindle. Book excerpt: 'Roberta Sassatelli has written a thorough and wide-ranging synthetic account of social scientific research on consumption which will set the standard for the second generation of textbooks on cultures of consumption. Consumer Culture is an appealing and lucid introduction to the major themes - historical and contemporary, theoretical and empirical - surrounding the growth, nature and consequences of consumer culture. It will be of professional interest as well as serving a student audience' - Alan Warde, University of Manchester Showing the cultural and institutional processes that have brought the notion of the 'consumer' to life, this book guides the reader on a comprehensive journey through the history of how we have come to understand ourselves as consumers in a consumer society and reveals the profound ambiguities and ambivalences inherent within. While rooted in sociology, Sassatelli draws on the traditions of history, anthropology, geography and economics to give: - A history of the rise of consumer culture around the world; - A richly illustrated analysis of theory from neo-classical economics, to critical theory, to theories of practice and ritual de-commoditization; and - A compelling discussion of the politics underlying our consumption practices. An exemplary introduction to the history and theory of consumer culture, this book provides nuanced answers to some of the most central questions of our time.
Book Synopsis Advertising and Consumer Society by : Nicholas Holm
Download or read book Advertising and Consumer Society written by Nicholas Holm and published by Taylor & Francis. This book was released on 2023-04-03 with total page 279 pages. Available in PDF, EPUB and Kindle. Book excerpt: This critical introductory text explores the role of advertising in contemporary culture and its connections to larger economic, social, and political forces. Written in an engaging and accessible style and incorporating a wide range of examples from around the world, the chapters introduce the key concepts, methods, and debates needed to analyse and understand advertising. From an investigation of advertising’s crucial function in media economics and our wider capitalist system to a consideration of the people who both make and watch advertising, this insightful text enables students to: make sense of advertising’s powerful influence as both an economic force and an artistic form; assess the various claims of these two perspectives on advertising; and understand how they challenge and complicate one another. This revised second edition includes a new chapter on branding and promotional culture, and substantially updated content on topics like digital and online advertising, surveillance and empowerment, as well as brand new topics like self-branding/influencers and using technology to evade advertising. Equipping students with the skills needed to partake in this lively discourse, the text is an invaluable resource for studying advertising critically. It is essential reading for students of advertising, media studies and communication studies.
Book Synopsis How Much is Enough? by : Alan Thein Durning
Download or read book How Much is Enough? written by Alan Thein Durning and published by W. W. Norton & Company. This book was released on 1992 with total page 204 pages. Available in PDF, EPUB and Kindle. Book excerpt: It discusses the use of resources, pollution, and the distortions created in the economies of both wealthy industrialized nations and Third World countries.
Book Synopsis Explorations in the Sociology of Consumption by : George Ritzer
Download or read book Explorations in the Sociology of Consumption written by George Ritzer and published by SAGE. This book was released on 2001-06-04 with total page 274 pages. Available in PDF, EPUB and Kindle. Book excerpt: In this book, one of the leading social theorists and cultural commentators of modern times, turns his gaze on consumption. George Ritzer, author of the famous McDonaldization Thesis, demonstrates the irrational consequences of the rational desire to consume and commodify. He examines how McDonaldization might be resisted, and situates the reader in the new cultural spaces that are emerging in society: shopping malls, casino hotels, Disneyfied theme parks and Las Vegas -- the new `cathedrals of consumption' as he calls them. The book shows how new processes of consumption relate to globalization theory. In illuminating discussions of the work of Thorstein Veblen and the French situationists, Ritzer unearths the roots of problems of consumption in older sociological traditions. He indicates how transgression is bound up with consumption, through an investigation of the obscene in popular and postmodern culture.
