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Author : Herman Thomas LaCrosse,United States. Bureau of Foreign and Domestic Commerce
Publisher : Unknown
Page : 30 pages
File Size : 47,8 Mb
Release : 1935
Category : Consumption (Economics)
ISBN : PSU:000072092217
Author : Meta Brown
Publisher : Unknown
Page : 50 pages
File Size : 45,5 Mb
Release : 2012-06-20
Category : Electronic
ISBN : 1437962254
Household surveys are the source of some of the most widely studied data on consumer balance sheets, with the Survey of Consumer Finances (SCF) generally cited as the leading source of wealth data for the U.S. At the same time, recent research questions survey respondents' propensity and ability to report debt characteristics accurately. This report compares household debt as reported by borrowers to the SCF with household debt as reported by lenders to Equifax using the new FRBNY Consumer Credit Panel (CCP). Moments of the borrower and lender debt distributions are compared by year, age of household head, household size, and region of the country, in total and across five standard debt categories. The debt reports are strikingly similar, with one noteworthy exception: the aggregate credit card debt implied by SCF borrowers' reports is less than 50% of the aggregate credit card debt implied by CCP lenders' reports. Adjustments for sample representativeness and for small business and convenience uses of credit cards raise SCF credit card debt to somewhere between 52 and 66 percent of the CCP figure. Despite the credit card debt mismatch, bankruptcy history is reported comparably in the borrower and lender sources, indicating that not all stigmatized consumer behaviors are underreported. Tables and figures. This is a print on demand report.
Author : Heikki Hiilamo
Publisher : Edward Elgar Publishing
Page : 192 pages
File Size : 55,6 Mb
Release : 2018-08-31
Category : Business & Economics
ISBN : 9781785369872
The trajectories of increasing household debt are studied in the contexts of the US and the UK, Germany, the Netherlands, Finland and Norway. Household Debt and Economic Crises examines remedies to prevent and alleviate the over-indebtedness epidemic, creating a conceptual framework with which to analyse the causes and consequences of debt. Hiilamo argues that social policies are needed to tackle the current borrowing crisis that endangers and prevents the full participation in society of individuals with excessive debts.
Author : Gary Hendricks,Kenwood C. Youmans,Janet Keller,University of Michigan. Survey Research Center
Publisher : [Ann Arbor] : Survey Research Center, University of Michigan
Page : 256 pages
File Size : 46,8 Mb
Release : 1973
Category : Consumers
ISBN : UCAL:B4181068
Author : Jing J. Xiao
Publisher : Springer Science & Business Media
Page : 424 pages
File Size : 45,7 Mb
Release : 2008-01-03
Category : Psychology
ISBN : 9780387757346
This handbook surveys the social aspects of consumer behavior, offering latest data and original research on current consumer needs as well as identifying emerging areas of research. This accessible volume (which can be read without advanced training in the field) starts with current concepts of risk tolerance, consumer socialization, and financial well-being, and moves on to salient data on specific settings and populations such as high school students and the older consumer.
Author : Andrew Haughwout,Benjamin Mandel
Publisher : Academic Press
Page : 456 pages
File Size : 55,5 Mb
Release : 2019-08-12
Category : Business & Economics
ISBN : 9780128135259
Handbook of U.S. Consumer Economics presents a deep understanding on key, current topics and a primer on the landscape of contemporary research on the U.S. consumer. This volume reveals new insights into household decision-making on consumption and saving, borrowing and investing, portfolio allocation, demand of professional advice, and retirement choices. Nearly 70% of U.S. gross domestic product is devoted to consumption, making an understanding of the consumer a first order issue in macroeconomics. After all, understanding how households played an important role in the boom and bust cycle that led to the financial crisis and recent great recession is a key metric. Introduces household finance by examining consumption and borrowing choices Tackles macro-problems by observing new, original micro-data Looks into the future of consumer spending by using data, not questionnaires
Author : Chamber of Commerce of the United States of America. Economic Research Department
Publisher : Unknown
Page : 56 pages
File Size : 53,9 Mb
Release : 1966
Category : Debt
ISBN : UVA:X002307225
Author : Joseph Tardiff
Publisher : Greenhaven Publishing
Page : 0 pages
File Size : 51,5 Mb
Release : 2010
Category : Business & Economics
ISBN : 0737747021
Editorial Reviews: VOYA: Laura Panter -- The "Current Controversies" series explores the social, political and economic controversies that are plaguing world today. Each chapter begins with a preface that offers background information on the topic at hand. The chapters are organized around key questions that are answered by various authors with differing opinions. The opinions of the authors of each article are those that could be found in our every day society. Consumer Debt delves into the increasing burden of debt that middle class and lower income individuals are accumulating through credit cards, school loans, and high house mortgages. Expenses continue to increase as income levels remain stagnant or decrease. For individuals of the Gen Xer age, expenses are so high that saving for retirement for is, for most, unattainable. Credit card companies hit users with high interest rates and hidden fees while other arguments counter that there are plenty of consumers who do not use credit at all. This series is mainly designed for controlled research through information gleaned from periodicals, newspapers, books, government documents and organizations; however, the drawback is that most information contained in these books is already over a year old. More accurate information can be found through databases and online research. This would be a good purchase for libraries if students needed older statistics to back up their position while writing a research paper. Reviewer: Laura Panter.
Author : Donald L. Lerman
Publisher : Unknown
Page : 44 pages
File Size : 44,5 Mb
Release : 1990
Category : Agricultural credit
ISBN : UIUC:30112018895620
Author : Chamber of Commerce of the United States of America. Committee on Economic Policy
Publisher : Unknown
Page : 60 pages
File Size : 41,5 Mb
Release : 1961
Category : Debt
ISBN : COLUMBIA:CU51693895
Author : Joe Deville
Publisher : Routledge
Page : 212 pages
File Size : 44,7 Mb
Release : 2015-02-11
Category : Business & Economics
ISBN : 9781134087716
Consumer credit borrowing – using credit cards, store cards and personal loans – is an important and routine part of many of our lives. But what happens when these everyday forms of borrowing go ‘bad’, when people start to default on their loans and when they cannot, or will not, repay? It is this poorly understood, controversial, but central part of both the consumer credit industry and the lived experiences of an increasing number of people that this book explores. Drawing on research from the interior of the debt collections industry, as well as debtors' own accounts and historical research into technologies of lending and collection, it examines precisely how this ever more sophisticated, globally connected market functions. It focuses on the highly intimate techniques used to try and recoup defaulting debts from borrowers, as well as on the collection industry’s relationship with lenders. Joe Deville follows a journey of default, from debtors’ borrowing practices, to the intrusion of collections technologies into their homes and everyday lives, to the collections organisation, to attempts by debtors to seek outside help. In the process he shows how to understand this particular market, we need to understand the central role played within it by emotion and affect. By opening up for scrutiny an area of the economy which is often hidden from view, this book makes a major contribution both to understanding the relationship between emotion and calculation in markets and the role of consumer credit in our societies and economies. This book will be of interest to students, teachers and researchers in a range of fields, including sociology, anthropology, cultural studies, economics and social psychology.
Author : Anonim
Publisher : Unknown
Page : 204 pages
File Size : 49,6 Mb
Release : 1982
Category : Bankruptcy
ISBN : WISC:89017601832
Author : Blanche Bernstein
Publisher : Unknown
Page : 264 pages
File Size : 50,5 Mb
Release : 1940
Category : Consumer credit
ISBN : UCAL:B3216855
Author : Lewis Schipper
Publisher : Unknown
Page : 132 pages
File Size : 47,6 Mb
Release : 1964
Category : Consumer behavior
ISBN : STANFORD:36105015781805
Monograph comprising an econometrics analysis of family budget and other factors affecting consumption behaviour - covers short term and long term behaviour patterns, income stability, the demand for durable consumer goods and credit, discretionary saving, etc. Bibliography pp. 97 and 98, references and statistical tables.
Author : Anonim
Publisher : Unknown
Page : 264 pages
File Size : 48,7 Mb
Release : 1940
Category : Consumer credit
ISBN : UOM:39015066996896