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The empirical literary works calculating the welfare effects of borrowing on a pay day loan


In a nutshell, no: The crazy West of high-interest credit products which will result is perhaps maybe not very theraputic for low-income customers, whom desperately require use of credit.

I’ve been researching loans that are payday other alternate economic solutions for 15 years. Might work has centered on three concerns: Why do individuals seek out high-interest loans? Which are the consequences of borrowing during these areas?