In California and elsewhere, African Americans and Latinos have been found to make up a disproportionate share of payday loan borrowers. This paper evaluates whether and why the relative concentration of African American and Latino households is a factor that influences the location and...

<title>Abstract</title> We examine the effects of 33 state predatory lending regulatory regimes on the flow and cost of subprime residential mortgage credit. We use the Loan Performance Subprime Asset‐Backed Securities Database to analyze almost 7 million subprime home loans originated between January 1998...

[...]In this study, we use recent historical evidence toexplore one dimension of the broad relationship betweenmarket returns and mutual fund flows: the effect of shorttermmarket returns on mutual fund flows. Research onthis issue has already confirmed high correlations betweenmarket returns and...

Although it had a a lower income level than India in 1980, China's 2006 per capita gross domestic product stands more than twice that of India's. This paper investigates the role of the business environment in explaining China's productivity advantage using recent firm-level survey data. The...

Cobalt-based catalysts have been widely explored in the degradation of organic pollutants based on peroxymonosulfate (PMS) activation. Herein, we report an MXene nano-Co3O4 co-catalyst enriched with oxygen vacancies (Ov) and steadily fixed in nickel foam (NF) plates, which is used as an...

Cobalt-based catalysts have been widely explored in the degradation of organic pollutants based on peroxymonosulfate (PMS) activation. Herein, we report an MXene nano-Co3O4 co-catalyst enriched with oxygen vacancies (Ov) and steadily fixed in nickel foam (NF) plates, which is used as an...

Purpose – The purpose of this study is to examine whether the three principles in the SysTrust ® service converge on a single construct to measure potential users' trust in the reliability of a system, and whether trust in the reliability of a system, as defined by the three SysTrust...