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- W2146724732 abstract "The dramatic increase in the consumer debt burden and consumer bankruptcies are indications that restrictionsshould be imposed on the availability of consumer unsecured loans. Financial services firms treat consumerunsecured loans as if they are evaluating business loans. They treat the pool of loan applicants as if they are apool of insurance applicants Consumers on the other hand see the easy credit as an opportunity to abandon fiscalresponsibility and depend on borrowing to meet their consumption needs. The explosion of the real estate markethelped support this obsession with debt-financed consumption. This paper discusses the negative effect ofconsumer debt for consumption and argues that credit card return to its original intent as a convenient means ofpayment; that all non-investment consumer loans be severely restricted due to its disparaging harmful effect tothe segment of the society that can least afford it." @default.
- W2146724732 created "2016-06-24" @default.
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- W2146724732 date "2012-01-31" @default.
- W2146724732 modified "2023-10-01" @default.
- W2146724732 title "An Examination of the Adverse Effects of Consumer Loans" @default.
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- W2146724732 doi "https://doi.org/10.5539/ijbm.v7n3p22" @default.
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