While previous analysis of the consumer credit market have allowed for a rationing of funds between potential borrowers by means of models reflecting the retail market for funds, this paper examines the consumer credit market from the perspective of the derived demand for funds by the financial...

Canadian households are saddled with unprecedented amounts of debt. As a percentage of income, debt levels of Canadians are higher than at any point in recent history and are now higher than those of American households. Recent debates have largely focussed on the housing market and on the risks...

Based on a survey of 45 moneylenders carried out in the Dakar and Saint-Louis regions in 1989.

Shows what constitutes overindebtedness, how it occurs and which category of households is frequently affected. Identifies different possible strategies to tackle overindebtedness.

Using a survey of 300 workers conducted in May 2006, assesses levels of overindebtedness in the sample population and determines if there are any socio-economic characteristics or financial use behaviours associated with people who are overindebted.

We use a new panel dataset of credit card accounts to analyze how consumer responded to the 2001 Federal income tax rebates. We estimate the monthly response of credit card payments, spending, and debt, exploiting the unique, randomized timing of the rebate disbursement. We find that, on...

We use data from several waves of the Survey of Consumer Finances to document credit and debit card ownership and use across US demographic groups. We then present recent theoretical and empirical contributions to the study of credit and debit card behavior. Utilization rates of credit lines and...