This report examines operations of payday lenders, who uses payday loans and why they choose to do so, and the extent to which customers become frequent users of these loans. It also discusses how credit unions might respond to the rise of the payday loan industry.
More ...Bankruptcy
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The Economics of Payday Lending
- Jan 1, 2002 No Comments
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categories » Bankruptcy, Lending, Limited Income Households, Philosophy and Values, REAL Solutions
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Successful Turnarounds from Bad Credit to Good: What We Can Learn from the Borrower’s Experience
- Jan 1, 2001 1 Comment
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The purpose of the research reported here was to examine the experiences of people in financial crisis, from their own point of view. This is critical information for those who hope to design programs that transform people from bad credit to good. Professor Larry Compeau of Clarkson University conducted the study in cooperation with a credit union in the Southeastern United States that has a successful program for facilitating members’ credit transformations.
More ...categories » Bankruptcy, Economic Issues - Credit Unions, Management, Risk Management
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Fresh Approaches to Bankruptcy and Financial Distress—Volume I: Why Don’t More People Declare Bankruptcy?
- Jan 1, 2000 No Comments
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The study is the first volume to be published from a joint colloquium sponsored by the Filene Research Institute and the University of Virginia in the fall of 1999. The purpose of the sessions was to bring out the results of important research on bankruptcy that has not previously been presented to credit union practitioners, and to develop their implications.
More ...categories » Bankruptcy, Colloquium
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