Are High-Interest Loans Predatory? Theory and Evidence from Payday Lending

2021 ◽  
Author(s):  
Hunt Allcott ◽  
Joshua J. Kim ◽  
Dmitry Taubinsky ◽  
Jonathan Zinman
Keyword(s):  
Payday Lending ◽  
High Interest

scholarly journals Are High-Interest Loans Predatory? Theory and Evidence from Payday Lending

2021 ◽  
Author(s):  
Hunt Allcott ◽  
Joshua Kim ◽  
Dmitry Taubinsky ◽  
Jonathan Zinman
Keyword(s):  
Payday Lending ◽  
High Interest

Lack of Credit in Albania; Who is to “Blame” Analyzing the Demand

2015 ◽  
Vol 3 (1) ◽  
pp. 122
Author(s):  
Eugen Musta ◽  
Elvin Meka
Keyword(s):  
Interest Rates ◽  
Small Sample ◽  
Economic Situation ◽  
Demand Side ◽  
Working Capital ◽  
Global Crisis ◽  
High Interest ◽  
Future Perceptions ◽  
Economic Slowdown ◽  
To Come

The last global crisis had it influence on Albanian economy as well. As the economy is still struggling to recover from the slowdown, a special attention is dedicated to lending which will in turn help investments pick up. Banks in Albania are currently flooding in excess deposits, but meanwhile the lending has hit its lowest score. What is refraining banks from lending? Is it really them to blame or maybe the demand is also part of the problem? Are businesses suffering from lack of funds to finance their activity or are they hesitating to invest and are waiting for better times to come along? The purpose of this study is to look into these questions and find the reasons behind them. This paper is focused on the demand side, analyzing some of the most important indicators influencing the demand for credit like enterprises growth, profits, planned investments, working capital needs, liquidity, etc. In order to get better understanding on the behavior of these variables the enterprises are divided in four groups by size criteria. The analysis is covering data for five-year timeframe, which is corresponding with the start of the economic slowdown. To help getting a prospect of the present and the future perceptions of the economic situation, a survey was conducted on a small sample of enterprises. This study comes to the conclusion that the demand for credit is growing, but what’s keeping businesses from applying for it, is mainly because of high interest rates and cost of credit, the study ends with some recommendations toward the solution.

Un estudio de caso en el análisis de la espiritualidad en el trabajo

Oikos ◽  
2016 ◽  
Vol 19 (39) ◽  
pp. 29
Author(s):  
Zahira Moreno Freites ◽  
María García Jiménez ◽  
Judith Hernández
Keyword(s):  
Qualitative Analysis ◽  
Work Environment ◽  
Theoretical Framework ◽  
Personal Life ◽  
Theoretical Construct ◽  
Spiritual Beliefs ◽  
High Interest ◽  
Beliefs And Values ◽  
The Subject ◽  
Estudio De Caso

RESUMENEsta investigación examina la espiritualidad y su consideración en el ambiente laboral, específicamente en los trabajadores de la Dirección de Educación Estadal del Municipio Palavecino, Estado Lara, Venezuela. El estudio de tipo descriptivo y cualitativo permitió analizar materiales teóricos relacionados con la espiritualidad en el trabajo, tomando el concepto de espiritualidad de Mitroff y Denton (1999) como marco teórico para esta investigación, además de los aportes de Pérez (2007) y Robles (2011) que exploran el tema y permitieron la elaboración de un constructo teórico para esta investigación. Los resultados evidencian que existe un alto interés por el tema de la espiritualidad tanto en la vida personal como en el trabajo y puede tratarse abiertamente en el ámbito laboral, a pesar de las limitaciones sobre el tema, su principal beneficio es que favorece el equilibrio en todos los aspectos de la vida.Palabras clave: espiritualidad, ambiente laboral, creencias y valores espirituales.An study of case on the analysis of spirituality at the workABSTRACT This research examines spirituality and its consideration in the workplace, specifically on workers of the Directorate of Education of the Municipality Palavecino State Authority, State Lara, Venezuela. The study of descriptive and qualitative analysis allowed theoretical materials related to spirituality at work, taking the concept of spirituality Mitroff and Denton (1999 ) as the theoretical framework for this research, along with the contributions of Perez (2007) and Robles ( 2011) that explore the issue and allowed the development of a theoretical construct for this research. Los results show that there is a high interest in the topic of spirituality both in personal life and at work and can openly addressed in the workplace, despite the limitations on the subject, its main benefit s that it favors the balance in all aspects of life .Keywords: spirituality, work environment, spiritual beliefs and values. Um estudo de caso na análise da espiritualidade no trabalho RESUMO Esta pesquisa analisa a espiritualidade e sua consideração no local de trabalho, especificamente nos trabalhadores do Departamento de Educação Estadual do Município Palavecino, Estado de Lara, Venezuela. O estudo de análise descritiva e qualitativa permitiu investigar materiais teóricos relacionados à espiritualidade no trabalho, tomando o conceito de espiritualidade de Mitroff e Denton (1999) como marco teórico para esta pesquisa, juntamente com as contribuições de Pérez (2007) e Robles ( 2011) que exploram o tema e permitiram o desenvolvimento de uma construção teórica para esta pesquisa. Os resultados mostram que existe um alto interesse pela temática da espiritualidade tanto na vida pessoal como no trabalho e pode-se tratar abertamente no espaço de trabalho, apesar das limitações sobre o assunto, seu principal benefício é que favorece o equilíbrio em todos os aspectos da vida.Palavras-chave: espiritualidade, ambiente de trabalho, crenças e valores espirituais.

Sistem Pendukung Keputusan Pemilihan Taksi Berbasis Web dengan Algoritma Pencarian Linear

2016 ◽  
Vol 7 (2) ◽  
pp. 148-154
Author(s):  
Bimo Satriantoro ◽  
Ni Made Satvika Iswari
Keyword(s):  
Public Transportation ◽  
Time Variable ◽  
Variable Speed ◽  
Linear Algorithm ◽  
High Interest ◽  
Distance Variable ◽  
Google Apps

Indonesian people have a high interest for public transportation. There are few kind of public transportation, and taxi is one of them. Taxi use taximeter to calculate passanger fares. Taximeters between taxi companies are different in term of results although using the same equation and principle. The total fare from the taximeter is based on equation that includes distance variable, speed of the vehicle, and time variable. People have a problem to choose taxi because of the differnces of taximeter fares and taxi pool. Based on the problem, the solution is an application to help customer to decide choosing taxi. The application will help customer by giving informations about taximeter and carpool form two different company. The informations are based on the distance of the start point and the finish point of the customer and based on the distances of the customer and the carpool of the taxy company that will processed trough the application to calculating the total fares for the customer between two taxi companies. By using algorithm for linear searching, customer will get the informations to help them to decide which taxi the customer will use. Keywords: Linear Algorithm, Taximeter, Google Apps, Choice, Taxi

Life Below Zero: Predatory Overdrafts, Payday Lending and the Underbanked

2020 ◽  
Author(s):  
Marco Di Maggio ◽  
Angela Ma ◽  
Emily Williams
Keyword(s):  
Payday Lending

Δα,β-Butenolides [Furan-2(5H)-ones]: Ring Construction Approaches and Biological Aspects - A Mini-Review

2020 ◽  
Vol 17 (8) ◽  
pp. 922-945
Author(s):  
Andrés-Felipe Villamizar-Mogotocoro ◽  
Andrés-Felipe León-Rojas ◽  
Juan-Manuel Urbina-González
Keyword(s):  
Biological Activities ◽  
Ring Formation ◽  
High Interest ◽  
The Past ◽  
Biological Aspects ◽  
Synthetic Methodologies ◽  
New Procedures

The five-membered oxacyclic system of furan-2(5H)-ones, commonly named as γ- butenolides or appropriately as Δα,β-butenolides, is of high interest since many studies have proven its bioactivity. During the past few years, Δα,β-butenolides have been important synthetic targets, with several reports of new procedures for their construction. A short compendium of the main different synthetic methodologies focused on the Δα,β-butenolide ring formation, along with selected examples of compounds with relevant biological activities of these promising pharmaceutical entities is presented.

Protecting the Desperate: The Regulation of Payday Lending

2015 ◽  
Vol 43 (1) ◽  
pp. 147-176
Author(s):  
Andrew J Serpell
Keyword(s):  
Consumer Credit ◽  
Law Reform ◽  
Payday Lending ◽  
Short Term ◽  
Payday Loans ◽  
The Law ◽  
The Right ◽  
Credit Contracts ◽  
The Cost

Payday loans are small-amount, short-term, unsecured, high-cost credit contracts provided by non-mainstream credit providers. Payday loans are usually taken out to help the consumer pay for essential items, such as food, rent, electricity, petrol, broken-down appliances or car registration or repairs. These consumers take out payday loans because they cannot — or believe that they cannot — obtain a loan from a mainstream credit provider such as a bank. In recent years there has been a protracted debate in Australia — and in several overseas jurisdictions — about how to regulate the industry. Recent amendments to the National Consumer Credit Protection Act 2009 (Cth) — referred to in this article as the 2013 reforms — are designed to better protect payday loan consumers. While the 2013 reforms provide substantially improved protection for payday loan consumers, further changes to the law may be warranted. This article raises several law reform issues which should be considered as part of the 2015 review into small amount credit contracts, including whether the caps on the cost of credit are set at the right level, whether the required content and presentation of the consumer warnings needs to be altered, whether more needs to be done to protect consumers who are particularly disadvantaged or vulnerable and whether a general anti-avoidance provision should be included in the credit legislation.

High Interest Paper Kalman Filtering Applied to Power System Measurements for Relaying

1987 ◽  
Vol PER-7 (9) ◽  
pp. 21-27
Author(s):  
M. S. Sachdev ◽  
H. C. Wood ◽  
N. S. Johnson
Keyword(s):  
Power System ◽  
Kalman Filtering ◽  
High Interest
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