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

Description: Payday Lending in Canada in a Global Context by Jerry Buckland, Chris Robinson, Brenda Spotton Visano This book analyzes the highly contentious payday lending industry, presenting valuable new data collected during Canadas recent regulatory reviews and demonstrating its relevance to payday lending conversations taking place worldwide. FORMAT Paperback LANGUAGE English CONDITION Brand New Publisher Description This book analyzes the highly contentious payday lending industry, presenting valuable new data collected during Canadas 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. Back Cover This book analyzes the highly contentious payday lending industry, presenting valuable new data collected during Canadas 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. Author Biography 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. Table of Contents 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. Feature 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 Details ISBN3030100286 Language English ISBN-10 3030100286 ISBN-13 9783030100285 Format Paperback Subtitle A Mature Industry with Chronic Challenges Edited by Brenda Spotton Visano DEWEY 330.9 Affiliation York University Toronto Canada Imprint Springer Nature Switzerland AG Place of Publication Cham Country of Publication Switzerland Pages 245 Year 2018 Publication Date 2018-12-21 Short Title Payday Lending in Canada in a Global Context UK Release Date 2018-12-21 Author Brenda Spotton Visano Illustrations 2 Illustrations, black and white; XXI, 245 p. 2 illus. Publisher Springer Nature Switzerland AG Edition Description Softcover reprint of the original 1st ed. 2018 Alternative 9783319712123 Audience Professional & Vocational We've got this At The Nile, if you're looking for it, we've got it. With fast shipping, low prices, friendly service and well over a million items - you're bound to find what you want, at a price you'll love! TheNile_Item_ID:131352434;

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