scholarly journals Restricting Consumer Credit Access: Household Survey Evidence on Effects around the Oregon Rate Cap

2008 ◽  
Author(s):  
Jonathan Zinman
Keyword(s):  
Consumer Credit ◽  
Household Survey ◽  
Credit Access

scholarly journals The Impact of Consumer Credit Access on Unemployment

2019 ◽  
Vol 86 (6) ◽  
pp. 2605-2642 ◽  
Author(s):  
Kyle F Herkenhoff
Keyword(s):  
Business Cycles ◽  
Consumer Credit ◽  
Quantitative Result ◽  
Credit Access ◽  
Access To Credit ◽  
Employment Dynamics ◽  
Cyclical Fluctuations ◽  
The Business Cycle ◽  
The Impact ◽  
Revolving Credit

Abstract Unemployed households’ access to unsecured revolving credit more than tripled over the last three decades. This article analyses how both cyclical fluctuations and trend increases in credit access impact the business cycle. The main quantitative result is that credit expansions and contractions have contributed to moderately deeper and more protracted recessions over the last 40 years. As more individuals obtained credit from 1977 to 2010, cyclical credit fluctuations affected a larger share of the population and became more important determinants of employment dynamics. Even though business cycles are more volatile, newborns strictly prefer to live in the economy with growing, but fluctuating, access to credit markets.

scholarly journals Does credit access matter for household livelihood diversification in Ethiopia?

2021 ◽  
Vol 3 (2) ◽  
pp. 51-61
Author(s):  
Kiros Tsegay ◽  
Hongzhong Fan ◽  
Hailay Shifare ◽  
Priyangani Adikari
Keyword(s):  
Negative Relationship ◽  
Household Survey ◽  
Livelihood Diversification ◽  
Integration Policy ◽  
Economic Activities ◽  
Agricultural Credit ◽  
Credit Access ◽  
Policy And Strategy ◽  
Ethiopian Government ◽  
Development Goals

This study examines the effect of credit access on both agricultural and off-farm activities based on a household survey of 371 rural farmer respondents in Ethiopia.it was analyzed using a logistic regression model and statistical description. Findings demonstrated that the demographic factors; gender, age, level of education, and family size have a positive and significant effect on credit access. Agricultural credit access is impacted by each of the demographic variables as independent variables. On the other hand, the result indicated that the relationship between credit access and non-farm economic activities has a negative relationship. Credit access has a significant effect on agricultural intensification and specialization rather than diversification. Therefore, a comprehensive policy and strategy needs for credit access in both the agricultural and non-agricultural sectors. The Ethiopian government should follow the integration policy between both sectors and participate in livelihood diversification strategies and achieve sustainable development goals by 2030 at large.

scholarly journals The Impact of Consumer Credit Access on Employment, Earnings and Entrepreneurship

2016 ◽  
Author(s):  
Kyle Herkenhoff ◽  
Gordon Phillips ◽  
Ethan Cohen-Cole
Keyword(s):  
Consumer Credit ◽  
Credit Access ◽  
The Impact

Legitimating the Credit Infrastructure

Debtor Nation ◽  
2011 ◽  
Author(s):  
Louis Hyman
Keyword(s):  
Personal Responsibility ◽  
Consumer Credit ◽  
People Of Color ◽  
Equal Access ◽  
Credit Access ◽  
Access To Credit ◽  
Two Generations ◽  
The 1960S ◽  
Economic Future ◽  
High Social Status

This chapter discusses credit access. By the 1960s, credit access was deemed to be unequivocally beneficial. Credit use, far from marking one as immoral or unthrifty as it might have in the 1910s, denoted high social status and personal responsibility. In the 1960s, those without credit agitated for more “fair” or “equal” access. By the end of the decade, as access to credit became a social marker of independence and prosperity, various credit activists for women and people of color demanded access to credit. As such, congress passed laws to guarantee impartial access to credit. At the same time, these laws legitimated practices that would have seemed usurious two generations earlier. By the 1970s, consumer credit—legitimated as fair through federal policy—grew to an unprecedented volume and creditors extended it to all Americans with uncertain consequences for the country's economic future.

scholarly journals The Role of Women in Production and Management of RTB Crops in Rwanda and Burundi: Do Men Decide, and Women Work?

2019 ◽  
Vol 11 (16) ◽  
pp. 4304 ◽  
Author(s):  
Joshua Sikhu Okonya ◽  
Netsayi Noris Mudege ◽  
Anne M. Rietveld ◽  
Anastase Nduwayezu ◽  
Déo Kantungeko ◽  
...  
Keyword(s):  
Decision Making ◽  
Sweet Potato ◽  
Gender Norms ◽  
Household Head ◽  
Household Survey ◽  
Decision Makers ◽  
Farm Income ◽  
Joint Decision ◽  
Credit Access ◽  
Cash Crops

This paper evaluates the determinants of decision-making in relation to the production of four crops (banana, cassava, potato, and sweet potato). Understanding the division of labor and decision-making in crop management may lead to designing better interventions targeted at improving efficiency in smallholder agriculture. In 2014, the research team conducted a quantitative household survey with heads of households involving 261 women and 144 men in Burundi and 184 women and 222 men in Rwanda. Most of the decisions and labor provision during the production of both cash crops (potato and banana) and food crops (sweet potato and cassava) were done jointly by men and women in male-headed households. Higher values for ‘credit access’, ‘land size’, and ‘farming as the main occupation of the household head’ increased the frequency of joint decision-making in male-headed households. A decline in the amount of farm income reduced the participation of men as decision-makers. A reduction in total household income and proximity to the market was correlated with joint decision-making. Gender norms also contributed to the lower participation of women in both decision-making and labor provision in banana and potato cultivation. Although a large proportion of decisions were made jointly, women perceived that men participate more in decision-making processes within the household during the production of cash crops. Increased participation by women in decision-making will require an active and practical strategy which can encourage adjustments to existing traditional gender norms that recognize men as the main decision-makers at both the household and community levels.

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