The Consumer Credit And Neoliberalism

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The Consumer, Credit and Neoliberalism

Author : Christopher Payne
Publisher : Routledge
ISBN 13 : 0415680115
Total Pages : 249 pages
Book Rating : 4.4/5 (156 download)

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Book Synopsis The Consumer, Credit and Neoliberalism by : Christopher Payne

Download or read book The Consumer, Credit and Neoliberalism written by Christopher Payne and published by Routledge. This book was released on 2012 with total page 249 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book is an investigation into the economic policy formulation and practice of neoliberalism in Britain from the 1950s through to the financial crisis and economic downturn that began in 2007-8. It demonstrates that influential economists, such as F.A. Hayek and Milton Friedman, authors at key British think tanks such as the Institute of Economic Affairs and the Centre for Policy Studies, and important political figures of the Thatcher and New Labour governments shared a similar conception of the consumer. For neoliberals, the idea that consumers were weak in the face of businesses and large corporations was almost offensive. Instead, consumers were imagined to be sovereign agents in the economy, whose consumption decisions played a central role in the construction of their human capital and in the enabling of their aspirations. Consumption, just like production, came to be viewed as an enterprising and entrepreneurial activity. Consequently, from the early 1980s until the present day, it was felt necessary that banks should have the freedom to meet the borrowing needs of consumers. Credit rationing would be a thing of the past. Just like businesses, consumers and households could use debt to expand their stock of personal assets. By utilizing the method of French philosopher Michel Foucault this book provides an original analysis of the policy ideas and political speeches of key figures in the New Right, in government and at the Bank of England. And it addresses the key question as to why policy-makers both in Britain and the United States did little or nothing to stem rising consumer and household indebtedness, instead always choosing to see increasing house prices and homeownership as a positive to be encouraged.

Consumer Credit and the American Economy

Author : Thomas A. Durkin
Publisher : Financial Management Associati
ISBN 13 : 0195169921
Total Pages : 737 pages
Book Rating : 4.1/5 (951 download)

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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 Financial Management Associati. This book was released on 2014 with total page 737 pages. Available in PDF, EPUB and Kindle. Book excerpt: This article provides an introduction to a law review symposium by the Journal of Law, Economics, and Policy on our book (co-authored with Michael E. Staten), Consumer Credit and the American Economy (Oxford 2014). The conference, held November 2014, collects several articles responding to and building on the research agenda laid out by our book. For those who have not read the book, this article is intended to summarize several of the main themes of the book, including discussion of economic models of consumer credit usage, trends in consumer credit usage over time, the use of high-cost credit, and behavioral economics.

The Politics of Consumer Credit in the UK, 1938-1992

Author : Stuart Aveyard
Publisher : Oxford University Press
ISBN 13 : 0191046108
Total Pages : 224 pages
Book Rating : 4.1/5 (91 download)

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Book Synopsis The Politics of Consumer Credit in the UK, 1938-1992 by : Stuart Aveyard

Download or read book The Politics of Consumer Credit in the UK, 1938-1992 written by Stuart Aveyard and published by Oxford University Press. This book was released on 2018-08-30 with total page 224 pages. Available in PDF, EPUB and Kindle. Book excerpt: As early as the 1930s, Britain had a highly innovative and profitable mortgage sector that promoted a major extension in home ownership. These controversial and risky offerings had an equivalent in numerous hire purchase agreements, with which new homes were furnished. Such developments were forerunners of the 'easy credit' regime more commonly associated with the 1980s. Taking a long-term perspective on this issue indicates that Britain's departure from European models of consumer credit markets was not simply a by-product of neoliberalism's influence on the Thatcher administration, and this book offers a much fuller explanation to the phenomenon. It explores debates within and between the major political parties; reveals the infighting amongst civil service departments over management of consumer demand; charts the varying degrees of influence wielded by the Bank of England and finance capital, as opposed to that of consumer durable manufacturers; reviews the perspectives of consumers and their representatives; and explains the role of contingency and path dependency in these historical events. The central focus of this book is on consumer credit, but this subject provides a case study through which to explore numerous other important areas of British history. These include debates on the issues of post-war consensus, the impact of rising home ownership and its impact on consumer credit and personal finance markets, the management of consumer society, political responses to affluence, the development of consumer protection policy, and the influence of neoliberalism.

Consumer Credit in the United States

Author : D. Marron
Publisher : Springer
ISBN 13 : 0230101518
Total Pages : 260 pages
Book Rating : 4.2/5 (31 download)

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Book Synopsis Consumer Credit in the United States by : D. Marron

Download or read book Consumer Credit in the United States written by D. Marron and published by Springer. This book was released on 2009-11-23 with total page 260 pages. Available in PDF, EPUB and Kindle. Book excerpt: It is commonly imagined that in recent years the rampant growth of consumer credit has lured American consumers into a crippling state of indebtedness, a state that has upended old cultural values of Puritan thrift and stimulated a frenzy of consumption. Drawing on the sociological concept of government and informed by a historical perspective, Marron presents a much more complex and nuanced reality. From its early antecedents in nineteenth century salary lending and instalment selling, she shows how the emergence and growth of consumer credit in the United States have always been subject to shifting regimes of control and regulation.

It's in the Cards

Author : Lloyd Klein
Publisher : Bloomsbury Publishing USA
ISBN 13 : 0313002304
Total Pages : 169 pages
Book Rating : 4.3/5 (13 download)

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Book Synopsis It's in the Cards by : Lloyd Klein

Download or read book It's in the Cards written by Lloyd Klein and published by Bloomsbury Publishing USA. This book was released on 1999-12-30 with total page 169 pages. Available in PDF, EPUB and Kindle. Book excerpt: This is the first comprehensive account of the development of consumer credit. Consumer credit is a vital force driving the development of our economic system. Rather than look at consumer credit solely as an economic phenomenon, Klein examines the social impact of the consumer credit industry within the framework of economic and cultural change. His analysis offers a concise examination of the industry from the perspective of marketing, the creating of material and experiential products, and the product distribution mechanisms. The discussion of changes within the bankruptcy structure accounts for the creation of overzealous consumer spending and the implementation of controls over individual consumer credit. This will be of interest to scholars or students concentrating in economic sociology, stratification, and cultural studies.

The Consumer, Credit and Neoliberalism

Author : Christopher Payne
Publisher : Routledge
ISBN 13 : 1136493557
Total Pages : 249 pages
Book Rating : 4.1/5 (364 download)

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Book Synopsis The Consumer, Credit and Neoliberalism by : Christopher Payne

Download or read book The Consumer, Credit and Neoliberalism written by Christopher Payne and published by Routledge. This book was released on 2012-07-26 with total page 249 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book is an investigation into the economic policy formulation and practice of neoliberalism in Britain from the 1950s through to the financial crisis and economic downturn that began in 2007-8. It demonstrates that influential economists, such as F.A. Hayek and Milton Friedman, authors at key British think tanks such as the Institute of Economic Affairs and the Centre for Policy Studies, and important political figures of the Thatcher and New Labour governments shared a similar conception of the consumer. For neoliberals, the idea that consumers were weak in the face of businesses and large corporations was almost offensive. Instead, consumers were imagined to be sovereign agents in the economy, whose consumption decisions played a central role in the construction of their human capital and in the enabling of their aspirations. Consumption, just like production, came to be viewed as an enterprising and entrepreneurial activity. Consequently, from the early 1980s until the present day, it was felt necessary that banks should have the freedom to meet the borrowing needs of consumers. Credit rationing would be a thing of the past. Just like businesses, consumers and households could use debt to expand their stock of personal assets. By utilizing the method of French philosopher Michel Foucault this book provides an original analysis of the policy ideas and political speeches of key figures in the New Right, in government and at the Bank of England. And it addresses the key question as to why policy-makers both in Britain and the United States did little or nothing to stem rising consumer and household indebtedness, instead always choosing to see increasing house prices and homeownership as a positive to be encouraged.

The Economics of Consumer Credit

Author : Giuseppe Bertola
Publisher : MIT Press
ISBN 13 : 0262026015
Total Pages : 389 pages
Book Rating : 4.2/5 (62 download)

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Book Synopsis The Economics of Consumer Credit by : Giuseppe Bertola

Download or read book The Economics of Consumer Credit written by Giuseppe Bertola and published by MIT Press. This book was released on 2006 with total page 389 pages. Available in PDF, EPUB and Kindle. Book excerpt: Cross-national analysis of empirical, theoretical, and policy issues in the consumer credit industry, including household debt, credit card usage, and bankruptcy.

The Sovereign Consumer

Author : Niklas Olsen
Publisher : Springer
ISBN 13 : 3319895842
Total Pages : 308 pages
Book Rating : 4.3/5 (198 download)

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Book Synopsis The Sovereign Consumer by : Niklas Olsen

Download or read book The Sovereign Consumer written by Niklas Olsen and published by Springer. This book was released on 2018-08-25 with total page 308 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book presents a new intellectual history of neoliberalism through the exploration of the sovereign consumer. Invented by neoliberal thinkers in the interwar period, this figure has been crucial to the construction and legimitization of neoliberal ideology and politics. Analysis of the sovereign consumer across time and space demonstrates how neoliberals have linked the figure both to the idea of democracy as a method of choice, and also to a re-invention of the market as the democratic forum par excellence. Moreover, Olsen contemplates how the sovereign consumer has served to marketize politics and functioned as a major driver in a wide-ranging transformation in political thinking, subjecting traditional political values to the narrow pursuit of economic growth. A politically timely project, The Sovereign Consumer will have a wide appeal in academic circles, especially for those interested in consumer and welfare studies, and in political, economic and cultural thought in the twentieth century.

Financing the American Dream

Author : Lendol Calder
Publisher : Princeton University Press
ISBN 13 : 1400822831
Total Pages : 400 pages
Book Rating : 4.4/5 (8 download)

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Book Synopsis Financing the American Dream by : Lendol Calder

Download or read book Financing the American Dream written by Lendol Calder and published by Princeton University Press. This book was released on 2009-07-01 with total page 400 pages. Available in PDF, EPUB and Kindle. Book excerpt: Once there was a golden age of American thrift, when citizens lived sensibly within their means and worked hard to stay out of debt. The growing availability of credit in this century, however, has brought those days to an end--undermining traditional moral virtues such as prudence, diligence, and the delay of gratification while encouraging reckless consumerism. Or so we commonly believe. In this engaging and thought-provoking book, Lendol Calder shows that this conception of the past is in fact a myth. Calder presents the first book-length social and cultural history of the rise of consumer credit in America. He focuses on the years between 1890 and 1940, when the legal, institutional, and moral bases of today's consumer credit were established, and in an epilogue takes the story up to the present. He draws on a wide variety of sources--including personal diaries and letters, government and business records, newspapers, advertisements, movies, and the words of such figures as Benjamin Franklin, Mark Twain, and P. T. Barnum--to show that debt has always been with us. He vigorously challenges the idea that consumer credit has eroded traditional values. Instead, he argues, monthly payments have imposed strict, externally reinforced disciplines on consumers, making the culture of consumption less a playground for hedonists than an extension of what Max Weber called the "iron cage" of disciplined rationality and hard work. Throughout, Calder keeps in clear view the human face of credit relations. He re-creates the Dickensian world of nineteenth-century pawnbrokers, takes us into the dingy backstairs offices of loan sharks, into small-town shops and New York department stores, and explains who resorted to which types of credit and why. He also traces the evolving moral status of consumer credit, showing how it changed from a widespread but morally dubious practice into an almost universal and generally accepted practice by World War II. Combining clear, rigorous arguments with a colorful, narrative style, Financing the American Dream will attract a wide range of academic and general readers and change how we understand one of the most important and overlooked aspects of American social and economic life.

A Brief History of Neoliberalism

Author : David Harvey
Publisher : OUP Oxford
ISBN 13 : 019162294X
Total Pages : 256 pages
Book Rating : 4.1/5 (916 download)

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Book Synopsis A Brief History of Neoliberalism by : David Harvey

Download or read book A Brief History of Neoliberalism written by David Harvey and published by OUP Oxford. This book was released on 2007-01-04 with total page 256 pages. Available in PDF, EPUB and Kindle. Book excerpt: Neoliberalism - the doctrine that market exchange is an ethic in itself, capable of acting as a guide for all human action - has become dominant in both thought and practice throughout much of the world since 1970 or so. Its spread has depended upon a reconstitution of state powers such that privatization, finance, and market processes are emphasized. State interventions in the economy are minimized, while the obligations of the state to provide for the welfare of its citizens are diminished. David Harvey, author of 'The New Imperialism' and 'The Condition of Postmodernity', here tells the political-economic story of where neoliberalization came from and how it proliferated on the world stage. While Thatcher and Reagan are often cited as primary authors of this neoliberal turn, Harvey shows how a complex of forces, from Chile to China and from New York City to Mexico City, have also played their part. In addition he explores the continuities and contrasts between neoliberalism of the Clinton sort and the recent turn towards neoconservative imperialism of George W. Bush. Finally, through critical engagement with this history, Harvey constructs a framework not only for analyzing the political and economic dangers that now surround us, but also for assessing the prospects for the more socially just alternatives being advocated by many oppositional movements.

Consumer Credit and the American Economy

Author : Thomas A. Durkin
Publisher :
ISBN 13 : 9780199384976
Total Pages : 720 pages
Book Rating : 4.3/5 (849 download)

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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 720 pages. Available in PDF, EPUB and Kindle. Book excerpt: This text examines the economic, psychological, sociological, historical, and legal traditions behind the demand, supply, institutions, and regulation of consumer credit in today's marketplace and how and why they have evolved.

Never Let a Serious Crisis Go to Waste

Author : Philip Mirowski
Publisher : Verso Books
ISBN 13 : 1781683026
Total Pages : 497 pages
Book Rating : 4.7/5 (816 download)

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Book Synopsis Never Let a Serious Crisis Go to Waste by : Philip Mirowski

Download or read book Never Let a Serious Crisis Go to Waste written by Philip Mirowski and published by Verso Books. This book was released on 2014-04-15 with total page 497 pages. Available in PDF, EPUB and Kindle. Book excerpt: At the onset of the Great Recession, as house prices sank and joblessness soared, many commentators concluded that the economic convictions behind the disaster would now be consigned to history. Yet in the harsh light of a new day, attacks against government intervention and the global drive for austerity are as strong as ever. Never Let a Serious Crisis Go to Waste is the definitive account of the wreckage of what passes for economic thought, and how neoliberal ideas were used to solve the very crisis they had created. Now updated with a new afterword, Philip Mirowski’s sharp and witty work provides a roadmap for those looking to escape today’s misguided economic dogma.

Financial Literacy Education

Author : Chris Arthur
Publisher : Brill / Sense
ISBN 13 : 9789460919176
Total Pages : 158 pages
Book Rating : 4.9/5 (191 download)

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Book Synopsis Financial Literacy Education by : Chris Arthur

Download or read book Financial Literacy Education written by Chris Arthur and published by Brill / Sense. This book was released on 2012 with total page 158 pages. Available in PDF, EPUB and Kindle. Book excerpt: Consumer financial literacy education often appears as a helpful, commonsense solution to neoliberalism and the individualization of responsibility for economic risk. However, in Financial Literacy Education: Neoliberalism, the Consumer and the Citizenthis particular literacy is argued to be both ineffective and unjust. Socially created poverty, unemployment and economic insecurity require more than individual consumer solutions; they require collective responses by engaged, critical citizens. Utilizing concepts from Marx, Foucault, Bourdieu and Baudrillard this book challenges those who claim that 'there is no alternative' to neoliberal insecurity and reduce education to a consumerist training of entrepreneurial consumer-citizens who can continually invest in themselves and the market. Through an analysis of consumer financial literacy education's present and historical supports, as well as its likely effects, this book argues that the choice before us is not financial illiteracy or financial literacy. Rather, the choice is between subjugation to the requirements of perpetual competition or overcoming alienation, insecurity and exploitation, aims the critical financial literacy education outlined at the end of this book supports. This book will appeal to those interested in understanding the conditions of our freedom in an increasingly financialized world--critical educators, philosophers and sociologists of education and financial literacy researchers.

Life in Debt

Author : Clara Han
Publisher : Univ of California Press
ISBN 13 : 0520951751
Total Pages : 298 pages
Book Rating : 4.5/5 (29 download)

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Book Synopsis Life in Debt by : Clara Han

Download or read book Life in Debt written by Clara Han and published by Univ of California Press. This book was released on 2012-06-05 with total page 298 pages. Available in PDF, EPUB and Kindle. Book excerpt: Chile is widely known as the first experiment in neoliberalism in Latin America, carried out and made possible through state violence. Since the beginning of the transition in 1990, the state has pursued a national project of reconciliation construed as debts owed to the population. The state owed a "social debt" to the poor accrued through inequalities generated by economic liberalization, while society owed a "moral debt" to the victims of human rights violations. Life in Debt invites us into lives and world of a poor urban neighborhood in Santiago. Tracing relations and lives between 1999 and 2010, Clara Han explores how the moral and political subjects imagined and asserted by poverty and mental health policies and reparations for human rights violations are refracted through relational modes and their boundaries. Attending to intimate scenes and neighborhood life, Han reveals the force of relations in the making of selves in a world in which unstable work patterns, illness, and pervasive economic indebtedness are aspects of everyday life. Lucidly written, Life in Debt provides a unique meditation on both the past inhabiting actual life conditions but also on the difficulties of obligation and achievements of responsiveness.

Why Doesn't Microfinance Work?

Author : Milford Bateman
Publisher : Zed Books Ltd.
ISBN 13 : 1848138954
Total Pages : 261 pages
Book Rating : 4.8/5 (481 download)

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Book Synopsis Why Doesn't Microfinance Work? by : Milford Bateman

Download or read book Why Doesn't Microfinance Work? written by Milford Bateman and published by Zed Books Ltd.. This book was released on 2010-06-10 with total page 261 pages. Available in PDF, EPUB and Kindle. Book excerpt: Since its emergence in the 1970s, microfinance has risen to become one of the most high-profile policies to address poverty in developing and transition countries. It is beloved of rock stars, movie stars, royalty, high-profile politicians and ‘troubleshooting’ economists. In this provocative and controversial analysis, Milford Bateman reveals that microfinance doesn’t actually work. In fact, the case for it has been largely built on hype, on egregious half-truths and – latterly – on the Wall Street-style greed of those promoting and working in microfinance. Using a multitude of case studies, from India to Cambodia, Bolivia to Uganda, Serbia to Mexico, Bateman demonstrates that microfi nance actually constitutes a major barrier to sustainable economic and social development, and thus also to sustainable poverty reduction. As developing and transition countries attempt to repair the devastation wrought by the global financial crisis, Why Doesn’t Microfinance Work? argues forcefully that the role of microfinance in development policy urgently needs to be reconsidered.

Family Values

Author : Melinda Cooper
Publisher : Princeton University Press
ISBN 13 : 194213004X
Total Pages : 416 pages
Book Rating : 4.9/5 (421 download)

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Book Synopsis Family Values by : Melinda Cooper

Download or read book Family Values written by Melinda Cooper and published by Princeton University Press. This book was released on 2017-02-01 with total page 416 pages. Available in PDF, EPUB and Kindle. Book excerpt: Why was the discourse of family values so pivotal to the conservative and free-market revolution of the 1980s and why has it continued to exert such a profound influence on American political life? Why have free-market neoliberals so often made common cause with social conservatives on the question of family, despite their differences on all other issues? In this book, Melinda Cooper challenges the idea that neoliberalism privileges atomized individualism over familial solidarities, and contractual freedom over inherited status. Delving into the history of the American poor laws, she shows how the liberal ethos of personal responsibility was always undergirded by a wider imperative of family responsibility and how this investment in kinship obligations recurrently facilitated the working relationship between free-market liberals and social conservatives. Neoliberalism, she argues, must be understood as an effort to revive and extend the poor law tradition in the contemporary idiom of household debt. As neoliberal policymakers imposed cuts to health, education, and welfare budgets, they simultaneously identified the family as a wholesale alternative to the twentieth-century welfare state. And as the responsibility for deficit spending shifted from the state to the household, the private debt obligations of family were defined as foundational to socio-economic order. Despite their differences, neoliberals and social conservatives were in agreement that the bonds of family needed to be encouraged — and at the limit enforced — as a necessary counterpart to market freedom. In a series of case studies ranging from Clinton’s welfare reform to the AIDS epidemic, and from same-sex marriage to the student loan crisis, Cooper explores the key policy contributions made by neoliberal economists and legal theorists. Only by restoring the question of family to its central place in the neoliberal project, she argues, can we make sense of the defining political alliance of our times, that between free-market economics and social conservatism.

Nigerian Consumer Credit

Author : Philemon Iko-Ojo Omede
Publisher : Springer Nature
ISBN 13 : 3031117409
Total Pages : 347 pages
Book Rating : 4.0/5 (311 download)

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Book Synopsis Nigerian Consumer Credit by : Philemon Iko-Ojo Omede

Download or read book Nigerian Consumer Credit written by Philemon Iko-Ojo Omede and published by Springer Nature. This book was released on 2022-08-30 with total page 347 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book critically reviews transnational banking regulations that specifically impact consumer lending in Africa's largest economy. It provides a comprehensive analysis on the politics and economics of financial sector consolidation in an emerging market in West Africa, also covering law, consumer credit, and consumer policy along with a discussion of banking sector reforms heavily influenced by the neoliberal economics paradigm. There have been several developments since the publication of the existing books especially in the area of regulatory theory and social protection that are captured in this book, which will be of interest to researchers, students, and scholars of banking regulation, development economics, and international finance.