Payday Lending in Canada in a Global Context: A Mature Industry with Chronic ChallengesJerry Buckland, Chris Robinson, Brenda Spotton Visano Springer, 29 mrt 2018 - 245 pagina's This book analyzes the highly contentious payday lending industry, presenting valuable new data collected during Canada's recent regulatory reviews and demonstrating its relevance to payday lending conversations taking place worldwide. The authors treat the industry with a balanced hand by establishing its importance as an example of financialization and acknowledging the complex impact of payday lending services on low-income and credit-constrained clients. Up-to-date data from an interdisciplinary mix of financial, econometric, legal, behavioral economic, and socioeconomic sources—all in the context of an established Canadian industry—provide both proponents and opponents of payday lending with valuable evidence for their discussions of how much regulation is required to minimize harmful consequences. These insights from Canada expand a US-centric conversation and provide a key resource for the growing list of countries in which the industry is present, from the UK and Poland to South Africa and Australia. |
Inhoudsopgave
1 | |
A Statistical Profile of Payday Loan Clients from National Surveys | 41 |
A Socioeconomic Examination of Payday Loan Clients Why and How People Use Payday Loans | 65 |
A Business Analysis of the Payday Loan Industry | 83 |
Ethical Issues Related to Payday Lending | 128 |
Mainstream Financial Institution Alternatives to the Payday Loans | 147 |
Overige edities - Alles bekijken
Payday Lending in Canada in a Global Context: A Mature Industry with Chronic ... Jerry Buckland,Chris Robinson,Brenda Spotton Visano Geen voorbeeld beschikbaar - 2018 |
Payday Lending in Canada in a Global Context: A Mature Industry with Chronic ... Jerry Buckland,Chris Robinson,Brenda Spotton Visano Geen voorbeeld beschikbaar - 2018 |
Veelvoorkomende woorden en zinsdelen
Accessed on July analysis assets bank account Buckland Canada Post Cash Store CFCS charged Charitable Trusts 2012 check cashing Chris Robinson Consumer Protection credit products credit unions Criminal Code customers economic ethical Excess Profit expenses Fast Loan FCAC federal financial exclusion financial literacy financial services focus group fringe banks Greg Selinger household income installment loan interest rate July 24 laws legislation lenders Lending in Canada limit loan loss loan volume mainstream banking Manitoba Public Utilities Money Mart Newfoundland and Labrador non-clients offer online lenders Ontario outlets overdraft overdraft protection participants payday lending payday lending regulation payday loan borrowing payday loan clients payday loan industry payday loan regulations payments Pew Charitable Trusts postal price caps provinces Public Utilities Board rate caps regulate payday repay repayment repeat borrowing respondents revenue section 347 small loans storefront survey tion Vancity Winnipeg