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Payday Lending in Canada in a Global Context: A Mature Industry with Chronic Challenges

Editat de Jerry Buckland, Chris Robinson, Brenda Spotton Visano
en Limba Engleză Hardback – 16 apr 2018
This 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.
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Specificații

ISBN-13: 9783319712123
ISBN-10: 3319712128
Pagini: 244
Ilustrații: XXI, 245 p. 2 illus.
Dimensiuni: 148 x 210 mm
Greutate: 0.5 kg
Ediția:1st ed. 2018
Editura: Springer International Publishing
Colecția Palgrave Macmillan
Locul publicării:Cham, Switzerland

Cuprins

1. 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.

Notă biografică

Jerry 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. 


Textul de pe ultima copertă

This 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 to South Africa and Australia.

Caracteristici

Adds data, analysis, and lessons from Canada, the US, and the UK to a growing global conversation on high-cost credit Features perspectives from an interdisciplinary team of experts with almost 10 years of collaborative experience Provides a comprehensive and holistic analysis of the payday lending business, consumers, and regulators