Same Storm, Different Disasters: Consumer Credit Access, Income Inequality, and Natural Disaster Recovery

2017 ◽  
Author(s):  
Brigitte Roth Tran ◽  
Tamara Lynn Sheldon
Keyword(s):  
Income Inequality ◽  
Natural Disaster ◽  
Disaster Recovery ◽  
Consumer Credit ◽  
Credit Access

Enhancing the Disaster Recovery Plan through Virtualization

2013 ◽  
pp. 220-243
Author(s):  
Dennis Guster ◽  
Olivia F. Lee
Keyword(s):  
Cloud Computing ◽  
Data Management ◽  
Natural Disasters ◽  
Natural Disaster ◽  
Disaster Recovery ◽  
Fault Tolerant ◽  
Equipment Failure ◽  
Recovery Plan ◽  
Continuity Of Operations ◽  
Security Breaches

Currently, organizations are increasingly aware of the need to protect their computer infrastructure to maintain continuity of operations. This process involves a number of different concerns including: managing natural disasters, equipment failure, and security breaches, poor data management, inadequate design, and complex/impractical design. The purpose of this article is to delineate how virtualization of hosts and cloud computing can be used to address the concerns resulting in improved computer infrastructure that can easily be restored following a natural disaster and which features fault tolerant hosts/components, isolates applications security attacks, is simpler in design, and is easier to manage. Further, because this technology has been out for a number of years and its capabilities have matured an attempt has been made to describe those capabilities as well as document successful applications.

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 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
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