Consumer Borrowing after Payday Loan Bans

2016 ◽  
Vol 59 (1) ◽  
pp. 225-259 ◽  
Author(s):  
Neil Bhutta ◽  
Jacob Goldin ◽  
Tatiana Homonoff
Keyword(s):  
Consumer Borrowing

A Viking We Will Go! Neo-Corporatism and Social Europe

2010 ◽  
Vol 11 (6) ◽  
pp. 633-652 ◽  
Author(s):  
Eric Engle
Keyword(s):  
Eastern Europe ◽  
Capital Mobility ◽  
Western Europe ◽  
The United States ◽  
Social Model ◽  
The European Union ◽  
Capital Movements ◽  
European Court ◽  
Single European Market ◽  
Consumer Borrowing

In Viking and Laval, the European Court of Justice (ECJ) adjudicated the rights of labor and capital mobility under E.U. law. Both cases strengthen the single European market through economic liberalization to generate greater prosperity for all Europeans as part of the process of European economic and political integration. Labor and capital mobility create greater prosperity for all through more rational market exchanges. Free trade is good for goods and is even better for labor. A liberalized and fully mobilized labor market results in more productivity and greater wealth in the European polity, as well as interdependence, and thereby deeper integration resulting in greater understanding and less conflict. The decisions, wrongly criticized by some as “bad for workers” are justified by the fact that they will benefit workers in Eastern Europe, consumers in Western Europe, and the Community as a whole by deepening integration. A key challenge for the European Union is to economically anchor and deepen the political restructuring of Eastern Europe by enabling the natural labor and capital movements which an open marketplace generates. Europe does this not with the failed neo-liberal model which has ravaged the wealth of the United States and squandered it in illusory booms based on consumer borrowing and deficit spending to fund war for oil. Rather, Europe is developing a neo-corporatist social model. This article uses the Viking and Laval cases as examples of this development.

Mental Accounting and Outcome Contiguity in Consumer-Borrowing Decisions

1994 ◽  
Vol 58 (1) ◽  
pp. 136-152 ◽  
Author(s):  
D.Eric Hirst ◽  
Edward J. Joyce ◽  
Michael S. Schadewald
Keyword(s):  
Mental Accounting ◽  
Consumer Borrowing

Demand for consumer borrowing in the UK, 1969–90

1992 ◽  
Vol 2 (1) ◽  
pp. 11-20 ◽  
Author(s):  
Andrew Hartropp
Keyword(s):  
The Uk ◽  
Consumer Borrowing

Russian income slide will hurt poorest borrowers

2020 ◽  
Keyword(s):  
Housing Market ◽  
Financial Contagion ◽  
Content Type ◽  
Consumer Borrowing ◽  
Vladimir Putin

Significance This will affect consumer borrowing as people become unable to afford new loans or repay old ones, and the housing market may experience a slump. Low-interest loan schemes to stop employers laying off staff have not been broad enough in scope to halt rising unemployment numbers, which are likely to be underestimates. Impacts President Vladimir Putin will continue offering subsidies and other welfare improvements to poorer families. The concentration of assets in the 20 largest banks means financial contagion risks remain high, mitigated by the dominance of Sberbank. The historically low key rate, now at 4.5%, will instigate a wave of credit refinancing, reducing borrowers' monthly repayments.

scholarly journals Gender Dimensions of the U.S. Consumer Borrowing Expansion

2014 ◽  
Vol 48 (2) ◽  
pp. 501-506 ◽  
Author(s):  
Barbara E. Hopkins ◽  
Zdravka Todorova
Keyword(s):  
Consumer Borrowing ◽  
The U.S
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