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- W2098038701 abstract "iThe current economic downturn was in part precipit ated by risky loans and bad debt. Thus, some have speculated that consumers will shortly have to meet higher standards to obtain consumer credit. In th e very near future, some consumers might be pushed out of the t raditional credit market (e.g., banks, credit union s, credit cards, etc.). If these households are less able to obtain credit in the traditional credit market, they may turn to alternative institutions for their credit needs such as finance companies or payday lenders. Although predicting future consumer behavior is al ways risky, the relationships between difficulty in obtaining credit from traditional sources and the u se of nontraditional or alternative financial insti tutions can be assessed. This paper uses the 2004 Survey of Consu mer Finances (SCF) to determine whether being rejected for loans or lines of credit from traditional financial institutions predicts the use of loans from altern ative financial institutions. The main research question, then, is what is the relationship between being denied cred it and using alternative financial institutions? As scholars concerned about consumer wellbeing, why should this question matter? ACCI members should care because loans from non-traditional fina ncial institutions are anything but consumer-friend ly and" @default.
- W2098038701 created "2016-06-24" @default.
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- W2098038701 date "2008-01-01" @default.
- W2098038701 modified "2023-09-24" @default.
- W2098038701 title "Credit Crunched: The Relationship Between Credit Denials and Use of Alternative Financial Institutions" @default.
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- W2098038701 hasPublicationYear "2008" @default.
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