Sharon Collard, Elaine Kempson

Affordable Credit: The Way Forward

• Broschiertes Buch

Produktbeschreibung

The poor pay more for many things but, arguably, it is the extra they pay for credit that puts the greatest strain on their budgets. This report looks beyond the rhetoric that has dominated much of the debate on high-cost credit to examine the scope for widening access to more affordable credit. The report explores what people on low incomes want from a credit source. It also analyzes the constraints on lending to poor people. It looks at the scope for reducing the costs of lending and widening access to more affordable credit, and estimates the scale of demand for affordable credit. It does not recommend a best buy among the sources of credit available to poor people. Rather, it explores how realistic it is to reduce the costs of lending to people on low incomes who have a high likelihood of default. In doing so, the authors look for ways of reducing the charges made by commercial credit providers and of making the not-for-profit sector more sustainable by reducing the level of subs

Produktdetails

• Verlag: Bristol University Press
• New
• Seitenzahl: 48
• Erscheinungstermin: Februar 2005
• Englisch
• ISBN-13: 9781861346872
• ISBN-10: 1861346875
• Artikelnr.: 24999497

Autorenporträt

Sharon Collard is a Research Fellow at the Personal Finance Research Centre (PFRC), University of Bristol. Elaine Kempson is Professor of Personal Finance and Social Policy Research and Director of the PFRC. PFRC leads the way in research into personal finances, money management and financial decision making.