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Retailers' entry into the provision of financial services: the case for and against

Worthington, Steve - In: International Journal of Financial Services Management 3 (2008) 3/4, pp. 243-254

With the deregulation of the financial services sector in many countries and the proliferation of different channels of distribution for financial services products, non-traditional providers have sought to enter what they perceive as this lucrative market. Retailers are amongst those...

Persistent link: https://www.econbiz.de/10010668747

Le financement et l'évaluation de la performance des universités: l'expérience anglaise

Atallah, Gamal; Boyer, Marcel - Département d'Économie / Department of Economics, … - 2004

Nous passons en revue les principales caractéristiques du système de financement des universités du Royaume-Uni et plus particulèrement du système d'évaluation de la recherche universitaire. L'étude présente un survol historique de l'évolution de l'évaluation de la performance des...

Persistent link: https://www.econbiz.de/10008491469

Policy Reforms and the Theory of Education Finance

Johnes, Geraint; Johnes, Jill - In: Journal of Economic Studies 21 (1994) January, pp. 3-15

Discusses the current system of higher education funding in the UK, and proposals for its reform. Possible reforms include methods whereby the direct burden of paying for tuition is shifted from government and towards students, which raises the question of how much of the total burden should be...

Persistent link: https://www.econbiz.de/10005003304

My place or yours? Perceptions of, and selection choice criteria for, higher education institutions: the case of UK and Malaysian students

Carter, Steve; Yeo, Chu-May Amy - In: International Journal of Economics and Business Research 1 (2009) 2, pp. 165-190

There have been a number of studies aimed at assessing student's perceptions of higher education institutions (HEIs) from around the world and based on the results, informing university recruitment strategies and plans. However, no study has addressed a comparison of the UK and Malaysian...

Persistent link: https://www.econbiz.de/10008755227

Determination of academic pay in universities and colleges in UK under the new pay framework: the policy and practice

Rani, P. Geetha - In: International Journal of Education Economics and Development 1 (2009) 1, pp. 47-65

Academic pay was uniform across universities and colleges below the level of professors till 2004 in UK. Following the … which allows for flexibility in pay based on a flexible structure has been adopted and used by universities in UK. The new … knowledge, experience and contribution. The national pay spine consists of 51 points and universities negotiate with local union …

Persistent link: https://www.econbiz.de/10008755437

The reaction of consumer spending and debt to tax rebates: Evidence from consumer credit data

Lusardi, Annamaria; Mitchell, Olivia S. - Center for Financial Studies - 2007

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...

Persistent link: https://www.econbiz.de/10010986371

Credit card debt puzzles

Haliassos, Michael; Reiter, Michael - Center for Financial Studies - 2005

Most US credit card holders revolve high-interest debt, often combined with substantial (i) asset accumulation by retirement, and (ii) low-rate liquid assets. Hyperbolic discounting can resolve only the former puzzle (Laibson et al., 2003). Bertaut and Haliassos (2002) proposed an...

Persistent link: https://www.econbiz.de/10010986391

Credit cards: Facts and theories

Bertaut, Carol C.; Haliassos, Michael - Center for Financial Studies - 2005

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...

Persistent link: https://www.econbiz.de/10010986392

The Democratization of Credit and the Rise in Consumer Bankruptcies

Livshits, Igor; MacGee, James; Tertilt, Michèle - Abteilung für Volkswirtschaftslehre, Universität Mannheim - 2014

Financial innovations are a common explanation for the rise in credit card debt and bankruptcies. To evaluate this story, we develop a simple model that incorporates two key frictions: asymmetric information about borrowers’ risk of default and a fixed cost of developing each contract lenders...

Persistent link: https://www.econbiz.de/10010986693

Choosing and using payment instruments: evidence from German microdata

Kalckreuth, Ulf; Schmidt, Tobias; Stix, Helmut - In: Empirical Economics 46 (2014) 3, pp. 1019-1055

Germans are still very fond of using cash. Of all direct payments transactions in 2008, cash accounted for an astounding 82 % in terms of number and for 58 % in terms of value. With a dataset that combines transaction information with survey data on payment behaviour of German consumers, we...

Persistent link: https://www.econbiz.de/10010994367

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