In Deutschland verfügen etwa 80 Prozent der Haushalte über einen Dispositionskredit. Bei beträchtlicher Variation liegt der eingeräumte Kreditrahmen bei knapp dem 3-fachen des Nettoeinkommens. Arbeitslose, Alleinerziehende, Paare mit Kindern und Selbständige nutzen den Dispositionskredit...

Usury is a frequent occurrence in consumer credit markets and particularly affects low-income households. Systemic usury exploits poverty by shifting usury into additional products and leveraging usury gains by stringing together individual loan agreements. This paper reviews the economic...

Usury is a frequent occurrence in consumer credit markets and particularly affects low-income households. Although the term usury conjures images of a greedy individual consciously acting to exploit the weak bargaining position of another by deceitful and even fraudulent means, we consider it as...

Usury is a frequent occurrence in consumer credit markets and particularly affects low-income households. Although the term usury conjures images of a greedy individual consciously acting to exploit the weak bargaining position of another by deceitful and even fraudulent means, we consider it as...

Frontmatter -- Preface -- Contents in Brief -- Contents -- General Introduction / Ford, Janet / Reifner, Udo -- European Declaration for Social Consumer Rights -- Volume I: Social Banking and New Poverty -- Part I: Economic Development and Private Indebtedness -- Chapter 1. Social Banking and...