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OverviewThis 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 toSouth Africa and Australia. Full Product DetailsAuthor: Jerry Buckland , Chris Robinson , Brenda Spotton VisanoPublisher: Springer Nature Switzerland AG Imprint: Springer Nature Switzerland AG Edition: Softcover reprint of the original 1st ed. 2018 Dimensions: Width: 14.80cm , Height: 1.50cm , Length: 21.00cm Weight: 0.454kg ISBN: 9783030100285ISBN 10: 3030100286 Pages: 245 Publication Date: 21 December 2018 Audience: Professional and scholarly , Professional & Vocational Format: Paperback Publisher's Status: Active Availability: Manufactured on demand  We will order this item for you from a manufactured on demand supplier. Table of Contents1. 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.ReviewsAuthor InformationJerry Buckland is Professor of International Development Studies, Menno Simons College, Canadian Mennonite University, Canada. Chris Robinson is Professor of Finance, School of Administrative Studies, York University, Canada. Brenda Spotton Visano is Professor of Economics and Public Policy, Department of Economics, The School of Public Policy & Administration, York University, Canada. Tab Content 6Author Website:Countries AvailableAll regions |
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