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	Provedor de dados AgEcon (2) Autor Carruthers, Bruce G. (1) Guinnane, Timothy W. (1) Karlan, Dean S. (1) Lee, Yoonseok (1) Zinman, Jonathan (1) Palavra-chave Consumer credit (2) Consumer/Household Economics (2) Credit markets (1) D1 (1) D9 (1) Demand and Price Analysis (1) Demand elasticity (1) Development finance (1) E2 (1) Financial Economics (1) G2 (1) G21 (1) G28 (1) I38 (1) K23 (1) Liquidity constraints (1) Maturity elasticity (1) Microfinance (1) N21 (1) N22 (1) Mais... Tipo do documento Working or Discussion Paper (2) Ano 2009 (1) 2005 (1) País United States (2) Idioma Inglês (2)		Ordenar por:  Relevância Autor Título Ano Registros recuperados: 2 Primeira ... 1 ... Última Bringing "Honest Capital" to Poor Borrowers: The Passage of the Uniform Small Loan Law, 1907-1930 AgEcon Carruthers, Bruce G.; Guinnane, Timothy W.; Lee, Yoonseok. The Uniform Small Loan Law (USLL) was the Russell Sage Foundation’s primary device for fighting what it viewed as the scourge of high-rate lending to poor people in the first half of the twentieth century. The USLL created a new class of lenders who could make small loans at interest rates exceeding those allowed for banks under the normal usury laws. About two-thirds of the states had passed the USLL by the 1930. This paper describes the USLL and then uses econometric models to investigate the state characteristics that influenced the law’s passage. We find that urbanization and state-level economic characteristics played significant roles. So did measures of the state’s banking system. We find no evidence that party-political affiliations had any effect,... Tipo: Working or Discussion Paper Palavras-chave: Uniform law; Small loans; Consumer credit; Usury laws; Consumer/Household Economics; Financial Economics; Political Economy; N21; N22; I38; G21; G28; K23. Ano: 2009 URL: http://purl.umn.edu/50949 Elasticities of Demand for Consumer Credit AgEcon Karlan, Dean S.; Zinman, Jonathan. The price elasticity of demand for credit has major implications for macroeconomics, finance, and development. We present estimates of this parameter derived from a randomized trial. The experiment was implemented by a consumer microfinance lender in South Africa and identifies demand curves that, while downward-sloping with respect to price, are flatter than recent estimates in both developing and developed countries throughout most of a wide price range. However, demand becomes highly price sensitive at higher-than-normal rates. We discuss several interpretations of this kink and present some related evidence. We also find that loan size is far more responsive to changes in loan maturity than to changes in interest rate. This pattern is more pronounced... Tipo: Working or Discussion Paper Palavras-chave: Credit markets; Microfinance; Demand elasticity; Development finance; Maturity elasticity; Consumer credit; Liquidity constraints; Consumer/Household Economics; Demand and Price Analysis; D1; D9; E2; G2; O1. Ano: 2005 URL: http://purl.umn.edu/28485 Registros recuperados: 2 Primeira ... 1 ... Última

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