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Research Needs In Consumer Credit The Problems Of Low Income And Minority Consumers
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Book Synopsis Research Needs in Consumer Credit: The Problems of Low-Income and Minority Consumers by : Thomas A. Durkin
Download or read book Research Needs in Consumer Credit: The Problems of Low-Income and Minority Consumers written by Thomas A. Durkin and published by Marketing Classics Press. This book was released on 2011-08-15 with total page 22 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Handbook of Consumer Finance Research by : Jing J. Xiao
Download or read book Handbook of Consumer Finance Research written by Jing J. Xiao and published by Springer Science & Business Media. This book was released on 2008-01-03 with total page 423 pages. Available in PDF, EPUB and Kindle. Book excerpt: This handbook surveys the social aspects of consumer behavior, offering latest data and original research on current consumer needs as well as identifying emerging areas of research. This accessible volume (which can be read without advanced training in the field) starts with current concepts of risk tolerance, consumer socialization, and financial well-being, and moves on to salient data on specific settings and populations such as high school students and the older consumer.
Book Synopsis The Low-Income Consumer by : Linda F. Alwitt
Download or read book The Low-Income Consumer written by Linda F. Alwitt and published by SAGE Publications, Incorporated. This book was released on 1996-02-15 with total page 216 pages. Available in PDF, EPUB and Kindle. Book excerpt: Product, price, promotion and place: these are the four key areas in which marketing influences consumers. This innovative book takes the stance that poor consumers are distinctly disadvantaged in each of these areas. Documenting the imbalance of the exchange process by describing the business practice of those who market to poor consumers, issues related to basic necessities such as food, housing and transportation are addressed, as well as the consumption of `sin' products by poor consumers. The problems faced by those who target low-income consumers are also examined, including the conflict between sound marketing practices and marginally ethical or unethical applications of those practices. The final section of the book
Book Synopsis The Uniform Consumer Credit Code and the Credit Problems of Low-income Consumers by : Robert Willard Johnson
Download or read book The Uniform Consumer Credit Code and the Credit Problems of Low-income Consumers written by Robert Willard Johnson and published by . This book was released on 1969 with total page 14 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Uniform Consumer Credit Code and the Credit Problems of Low-income Consumers by : R. W. Johnson
Download or read book The Uniform Consumer Credit Code and the Credit Problems of Low-income Consumers written by R. W. Johnson and published by . This book was released on 1969 with total page 14 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Impact of Public Policy on Consumer Credit by : Thomas A. Durkin
Download or read book The Impact of Public Policy on Consumer Credit written by Thomas A. Durkin and published by Springer Science & Business Media. This book was released on 2002 with total page 360 pages. Available in PDF, EPUB and Kindle. Book excerpt: As both the twenty-first century and the new millennium opened and the old eras passed into history, individuals and organizations throughout the world advanced their listings of the most significant people and events in their respective specialties. Possibly more important, the tum of the clock and calendar also offered these same observers a good reason to glance into the crystal ball. Presumably, the past is of greatest interest to most people when it permits better understanding of the present, and maybe even limited insight into the outlook. In keeping with the reflective mood of the time, the staff and friends of the Credit Research Center (CRC) at Georgetown University's McDonough School of Business noted that the beginning of the new millennium also marked the beginning of the second quarter-century of the Center's existence. The Center began at the Krannert Graduate School of Management at Purdue University in 1974 and moved to the McDonough School of Business at Georgetown University in 1997. The silver anniversary of its founding offered the occasion for creating more than another listing of significant past accomplishments and milestones. Rather, it offered the opportunity and, indeed, a mandate for CRC as an academic research center, to undertake a retrospective and future look into the status of research questions pertaining to consumer credit markets. For this reason, the Center organized a research conference which was held in Washington, D. C.
Book Synopsis Minorities and Marketing: Research Challenges by : Alan R. Andreasen
Download or read book Minorities and Marketing: Research Challenges written by Alan R. Andreasen and published by . This book was released on 2011-08-01 with total page 152 pages. Available in PDF, EPUB and Kindle. Book excerpt: Minorities and Marketing is a collection of articles designed to further investigations and knowledge of minority marketing research. The primary focus is on the major unresolved issues and problems in the field. In its goal to present relevant methodologies and theories to deal with these issues, the text offers the following discussions: -Establishing specific fundamental propositions regarding consumer behavior to serve as the foundation for systematic analysis;-The changes and cause of changes in low-income commercial structures, with particular emphasis on the needs and opportunities for research;-An overview of public policy alternatives for change in the marketing system with reference to minority groups; and-A review of the relevant concepts regarding consumer credit decisions, paying particular attention to the question of whether there is a distinct low-income segment of credit users who differ form the general population. With Minorities and Marketing, an invaluable contribution has been made to the study of consumer behavior and marketing research, particularly in regards to disadvantaged communities and buyers. This insightful and highly relevant text will prove to be a useful research tool for faculty and students of marketing research, consumer behavior, public policy, and economics. Frederick D. Sturdivant is a director of Dennen Steel, an independent consultant, and has served as a Visiting Professor at the Warrington College of Business at the University of Florida since 2004. From 2000 to 2002, Dr. Sturdivant was Chairman of Reinventures LLC. From 1998 to 2000, he was Executive Managing Director of Navigant Consulting. From 1996 to 1998, he was President of Index Research and Advisory Services, a subsidiary of Computer Sciences Corporation. Previously, he served as a director of Fel-Pro, Inc., State Savings Bank, Columbus, and The Progressive Corporation. After completing his Ph.D. at Northwestern University, Dr. Sturdivant held professorships at the University of Southern California, the University of Texas at Austin, the Harvard Business School, and an endowed chair at Ohio State University.Alan R. Andreasen is Professor of Marketing at the McDonough School of Business of Georgetown University and Executive Director of the Social Marketing Institute. He is a specialist in consumer behavior and a world leader in the application of marketing to nonprofit organizations, social marketing, and the market problems of disadvantaged consumers. He is the author or editor of seventeen books (including revisions) and numerous monographs.
Book Synopsis The poor pay more by : David Caplovitz
Download or read book The poor pay more written by David Caplovitz 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 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 Oxford University Press. This book was released on 2014-07-16 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 consumption and debt accumulation among low-income consumers by : Deirdre O'Loughlin
Download or read book Credit consumption and debt accumulation among low-income consumers written by Deirdre O'Loughlin and published by . This book was released on 2006 with total page 122 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Federal Consumer Credit Legislation and Its Effects on the Availability of Credit to Low-income Consumers by : Olukemi Sylvia Ereme
Download or read book Federal Consumer Credit Legislation and Its Effects on the Availability of Credit to Low-income Consumers written by Olukemi Sylvia Ereme and published by . This book was released on 1981 with total page 109 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Credit and Low-Income Consumers by : Anna Ellison
Download or read book Credit and Low-Income Consumers written by Anna Ellison and published by Anchor Books. This book was released on 2011 with total page 111 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Disadvantaged Consumer by : Alan R. Andreasen
Download or read book The Disadvantaged Consumer written by Alan R. Andreasen and published by . This book was released on 1975 with total page 392 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Effects of Consumer Education on Low-income Consumers' Attitudes Toward Credit and Their Use of a Bank Credit Card by : Robert Harris Flashman
Download or read book The Effects of Consumer Education on Low-income Consumers' Attitudes Toward Credit and Their Use of a Bank Credit Card written by Robert Harris Flashman and published by . This book was released on 1976 with total page 240 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :National Academies of Sciences, Engineering, and Medicine Publisher :National Academies Press ISBN 13 :0309452961 Total Pages :583 pages Book Rating :4.3/5 (94 download)
Book Synopsis Communities in Action by : National Academies of Sciences, Engineering, and Medicine
Download or read book Communities in Action written by National Academies of Sciences, Engineering, and Medicine and published by National Academies Press. This book was released on 2017-04-27 with total page 583 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the United States, some populations suffer from far greater disparities in health than others. Those disparities are caused not only by fundamental differences in health status across segments of the population, but also because of inequities in factors that impact health status, so-called determinants of health. Only part of an individual's health status depends on his or her behavior and choice; community-wide problems like poverty, unemployment, poor education, inadequate housing, poor public transportation, interpersonal violence, and decaying neighborhoods also contribute to health inequities, as well as the historic and ongoing interplay of structures, policies, and norms that shape lives. When these factors are not optimal in a community, it does not mean they are intractable: such inequities can be mitigated by social policies that can shape health in powerful ways. Communities in Action: Pathways to Health Equity seeks to delineate the causes of and the solutions to health inequities in the United States. This report focuses on what communities can do to promote health equity, what actions are needed by the many and varied stakeholders that are part of communities or support them, as well as the root causes and structural barriers that need to be overcome.
Book Synopsis Consumer and Firm Decision-making in Consumer Financial Products Market by : Zhenling Jiang
Download or read book Consumer and Firm Decision-making in Consumer Financial Products Market written by Zhenling Jiang and published by . This book was released on 2019 with total page 101 pages. Available in PDF, EPUB and Kindle. Book excerpt: I study marketing problems in the auto loan market. Focusing on a consumer financial product market has a couple of benefits. First, the auto loan market represents the third largest consumer credit in the U.S., so the market has high economic significance. More importantly, it offers a unique prospective in traditional marketing problems.The first chapter studies consumer demand in the loan market. Different from traditional consumer products, what happens post transaction - loan repayment - is important. Using a large consumer panel data set of both credit and employment profiles, we study the demand for auto loans among consumers in response to receiving bonus payments. While bonus payments represent a one-time income increase, auto loans lead to a significant financial burden in the long term. We find an economically meaningful increase in auto loan demand around the month of receiving a bonus, even for low-income, subprime-credit-score consumers who only receive a small bonus. To explore the underlying mechanism that drives the demand, we test predictions from the permanent income hypothesis. Contrary to the theory prediction, the increase in auto loan demand is significant when the bonus is likely to be anticipated. Furthermore, the effect is robust for individuals who are unlikely to have liquidity constraints. These findings, however, can be explained by the mental accounting theory. Finally, we show that auto loans induced by bonus have a significantly higher delinquency rate than loans that originate at other times. This primarily comes from consumers with low incomes or subprime credit scores. Our findings can help financial institutions identify consumers who have a need for auto loans and those who have a higher delinquency risk in the future.The second chapter studies price bargaining when both parties have digit bias when processing numbers, and shows a positive welfare implication of digit bias in bargaining. The empirical analysis focuses on the auto finance market in the U.S., using a large data set of 35 million auto loans. Incorporating digit bias in bargaining is motivated by several intriguing observations. The scheduled monthly payments of auto loans bunch at $9- and $0-ending digits, especially over $100 marks. In addition, $9-ending loans carry a higher interest rate and $0-ending loans have a lower interest rate than loans ended at other digits. I develop and estimate a Nash bargaining model that allows for digit bias from both consumers and finance managers of auto dealers. Results suggest that both parties perceive a steeper slope for larger ending digits and an extra gap between payments ending at $99 and $00 in their payoff functions. This model can explain the phenomena of payments bunching and differential interest rates for loans with different ending digits. I use counterfactual to show that, counter-intuitively, digit bias is beneficial for the party with the bias in bargaining. Consumers’ payments are reduced by $203 million in total and the aggregate payments of finance managers increased by $102 million because of own digit bias. I also quantify the economic impact of imposing non-discretionary markup compensation policies in indirect auto lending. I find that the payments of African American consumers will be lowered by $452 million and that of Hispanic consumers by $275 million.
Book Synopsis Banks and the Provision of Consumer Credit for the Low Income Customer by : A. Joseph Pisciotta
Download or read book Banks and the Provision of Consumer Credit for the Low Income Customer written by A. Joseph Pisciotta and published by . This book was released on 1975 with total page 130 pages. Available in PDF, EPUB and Kindle. Book excerpt:
