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Payday loan
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This study examines the differences in household loan delinquency rates of the racial/ethnic groups. The study uses combined data from 2007 and 2010 SCF. The study employed Oaxaca decomposition analysis to investigate the source of differences in loan delinquency rates of the racial/ethnic groups. Our results show that 67.33% of the differences in loan delinquency between whites and African Americans is due to differences in endowments while 33.08% is unexplained or due to discrimination.
25p
trinhthamhodang2
19-01-2020
20
1
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Finally, the shape of the spending profile over the pay period, and the motivation behind it, are important subjects for study in their own right. Our results add to the debate on whether the industry in “payday loans” exploits self-control problems, by testing whether households in fact experience a struggle for self-control between paydays.
54p
bin_pham
06-02-2013
51
4
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Our evidence is based on the everyday consumption choices of the typical household, and thus constitutes an important contribution to the body of evidence from previous studies, which have focused on various sub-populations and different choice domains. E.g.
32p
bin_pham
06-02-2013
52
5
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