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How do consumers respond to COVID-19? Application of Bayesian approach on credit card transaction data
Determining how consumers respond to unexpected outbreaks has been one of the core research areas in risk analysis. Using the case of the COVID-19...
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Credit Consumption and Financial Risk Among Danish Households— A Register-Based Study of the Distribution of Bank and Credit Card Debt
This article discusses the distribution of widely used consumer loans in Denmark in the light of the “risk position” in which this places Danish...
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An Analysis of Finnish Debtors Who Defaulted in 2014–2016 Because of Unsecured Credit Products
Consumer credit has become an important element of the economy despite the negative effects: Over-indebtedness has wide-ranging repercussions...
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Credit Card Debt and the Provision of Financial Support to Kin in the US
Credit card debt stands at over $1 trillion in the US and grows continuously. Scholars have argued that high (and growing) levels of credit card debt...
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Credit Scoring as a Carceral Practice: An Abolitionist Framework
The practice of credit scoring is ubiquitous in today’s economy. Three-digit credit scores or their underlying data are applied well beyond the...
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Financialization and Sustainable Credit: Lessons from Non-Intermediated Transactions?
Does increasing access to finance promote human flourishing? And if so, are there pathways to sustainable credit and finance in the face of the...
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On the Bumpy Road to Responsible Lending in the Digital Marketplace: The New EU Consumer Credit Directive
On 18 October 2023, the EU adopted the long-awaited New Consumer Credit Directive. This directive will replace the 2008 Consumer Credit Directive...
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Parents Influence Responsible Credit Use in Young Adults: Empirical Evidence from the United States, France, and Brazil
From the start of adulthood, consumers are frequently faced with complex financial decisions, and the consequences of these decisions may be...
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Reducing Poverty and Building Capacity—Perceived Child and Family Impacts of the Child Tax Credit Expansion
This study aims to evaluate the perceived impact of the Child Tax Credit expansion on families’ physical, mental, and financial well-being utilizing...
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Credit Cards and the Receipt of Financial Assistance from Friends and Family
Exchanges of assistance among kin are a common and important source of support for families; however, people are often hesitant to seek such...
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Protokollieren und Formatieren. Zur Mediengeschichte des credit reports
Der Beitrag folgt protokollarischen Schreibpraktiken, die zur Ausbildung der nordamerikanischen Kultur des Kreditgebens beigetragen haben. Er...
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Impact of Mahatma Gandhi National Rural Employment Guarantee Act on Rural Credit System in India: A Standard Logit Difference in Difference Approach
The Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA) of India is one of the most extensive social safety nets programs in the...
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Neoliberalism and Anti-poverty Tax Policy: How Single Mothers Negotiate Tax Filing and the Use of the Earned Income Tax Credit with Their Young Adult Children
Few social policies provide financial support to parents whose children are transitioning to adulthood. The earned income tax credit (EITC) is one...
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The person of the category: the pricing of risk and the politics of classification in insurance and credit
In recent years, scholars in the social sciences and humanities have turned their attention to how the rise of digital technologies is resha**...
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Examining cybercrime victimisation among Turkish women using routine activity theory
Over the last few decades, the rise in internet usage has led to a transition from traditional crimes to cybercrimes. Using data from a sample of 749...
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Assessing the Impact of Lending Through Kisan Credit Cards in Rural India: Evidence from Eastern India
This paper attempts to identify the determinants of access to the KCC program and empirically evaluate its impact on farmers’ use of agricultural...
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On the Link Between Managerial Attributes and Firm Access to Formal Credit in Myanmar
Using a survey of enterprises in Myanmar, we examine demand for formal credit and the extent to which firms are self-constrained by not applying for...
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Migrant Networks and Credit: Dynamics of Punjabi Migration to the Gulf Countries
This chapter attempts to understand the role of networks in facilitating migration to Gulf countries from Punjab and the role of credit/debt to cover...
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Exploring the determinants of victimization and fear of online identity theft: an empirical study
The present study aims at understanding what factors contribute to the explanation of online identity theft (OIT) victimization and fear, using the...
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The Role of Secured and Unsecured Debt in Retirement Planning
Nearly 40 percent of Americans approaching retirement felt heavily indebted. Understanding the role of secured and unsecured debt in retirement...