Socioeconomic Determinants of Over-Indebtedness of Microfinance Borrowers: Insights for Client Protection against Modern Financial Challenges [PDF]
SocioEconomic ChallengesUnderstanding the socioeconomic challenges faced by poor and vulnerable populations is crucial, as these groups are disproportionately affected by financial instability, inequality, and limited access to finance.
Bharat Singh Thapa +3 more
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Two Dimensions of Combating Over-Indebtedness: Consumer protection and financial stability. ECRI Research Report No. 18, 28 October 2016 [PDF]
, 2016 The expansion of credit markets has fostered economic growth across the European Union, but it has also produced a sharp increase in the average level of household indebtedness. As a consequence of the financial crisis, the drop in households’ disposable
Bouyon, Sylvain, Musmeci, Roberto
core
Measuring the effect of the national credit act on indebtedness in South Africa
Journal of Economic and Financial Sciences, 2015 South Africa continues to exhibit high levels of debt-to-disposable income along with a high number of impaired credit records. The National Credit Act No. 34 of 2005 (NCA) was established in order to address these high levels.
Shaun De Wet, Ilse Botha, Marno Booyens
doaj +1 more source
Debt and Subjective Well-Being: Does the Type of Debt Matter?
Swiss Journal of Sociology, 2020 Based on longitudinal analyses of data from the Swiss Household Panel, this paper investigates the effect of different types of debt on two evaluative measures of subjective well-being: financial satisfaction and life satisfaction. Payment arrears reduce
Coste Tristan +2 more
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Microcrédit et surendettement des femmes de la Haute-Guinée
Revue Internationale des Études du Développement, 2022 Following various payment crises that shook the microfinance sector in the 2009-2012 period, over-indebtedness has become a major concern. The case of Upper Guinea, which is studied here, illustrates this phenomenon.
Soumahila Bayo
doaj +1 more source
Unemployment risk and over-indebtedness: A micro-econometric perspective. National Bank of Belgium Working Paper No. 294 [PDF]
, 2016 We study how unemployment effects the over-indebtedness of households using the new European Household Finance and Consumption Survey (HFCS). First, we assess the role of different labor market statuses (i.e.
Rycx, Francois +2 more
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Commercial banking and personal indebtedness in Croatia [PDF]
Megatrend Revija, 2017 Social phenomenon of personal over-indebtedness has emerged in the past thirty years. The trend of excessive indebtedness of households is not losing but gaining momentum.
Filipović Ivan +2 more
doaj +1 more source
Household over-indebtedness: definition and measurement with Italian data [PDF]
SSRN Electronic Journal, 2013 The last decade has seen significant increases in consumer indebtedness in western countries, causing concern about its economic and social impact. In particular, over-indebtedness is attracting attention from national and international authorities because of its potential effect on both the sustainability of households' indebtedness and the stability ...
Giovanni D’Alessio, Stefano Iezzi
openaire +3 more sources
O SUPERENDIVIDAMENTO DO CONSUMIDOR: ASPECTOS CONCEITUAIS E MECANISMOS DE SOLUÇÃO
Lex Humana, 2011 Resumo: O presente artigo tem como foco principal desmistificar o paradigma de que o superendividamento do consumidor é um desvio de conduta passível de sanção, ao revés de solu ão.
Juliana Andréa Oliveira
doaj
The effect on the BTD of IFRS adoption and the end of the Transitional Tax Regime (RTT) in Brazil
Revista Contabilidade & Finanças, 2021 This paper aimed to evaluate the moderation by variables related to incentives for earnings management (indebtedness, profitability, and size) over the effect of the change in standards (accounting or tax) on the book-tax differences (BTD).
Claudio Marcio Pereira da Cunha +1 more
doaj +2 more sources