Consider the following two examples: Inspired by Milton Friedman's proposal that demand-side subsidies and consumer choice would enhance school competition, which in turn should improve learning and the efficiency of the system as a whole, policymakers radically reformed school education in...

There is no doubt; consumer credits are more and more present in the economic life of the Chileans. It is enough to go to any shopping mall, supermarket or even medical centre to realize that today it is possible to buy almost everything with some kind of loan. The expansion of consumer credit...

One of the main characteristics of the current global financial situation is the expansion of consumer credit. Central in this context are the institutional and technical elements that have enabled the quantitative classification of both consumers and things and, accordingly, to price, bond and...