Payday lending in Canada in a global context a mature industry with chronic challenges
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 esta...
Gespeichert in:
| Weitere Verfasser: | , , |
|---|---|
| Format: | UnknownFormat |
| Sprache: | eng |
| Veröffentlicht: |
Cham, Switzerland
Palgrave Macmillan
2018
|
| Ausgabe: | 1st edition 2018 |
| Schlagworte: | |
| Online Zugang: | Inhaltstext Inhaltsverzeichnis |
| Tags: |
Tag hinzufügen
Keine Tags, Fügen Sie den ersten Tag hinzu!
|
Tag hinzufügen | Zusammenfassung: | 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. 1. Introduction -- 2. A Statistical Profile of Payday Loan Clients from National Surveys -- 3. A Socio-economic Examination of Payday Loan Clients: Why and How People Use Payday Loans -- 4. A Business Analysis of the Payday Loan Industry -- 5. Ethical Issues Related to Payday Lending -- 6. Mainstream Financial Institution Alternatives to the Payday Loan -- 7. Payday Lending Regulations -- 8. Conclusion |
|---|---|
| Beschreibung: | Enthält 8 Beiträge |
| Beschreibung: | xxi, 245 Seiten Illustrationen 21 cm x 14.8 cm |
| ISBN: | 9783319712123 978-3-319-71212-3 3319712128 3-319-71212-8 |