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- W53891688 abstract "Human worth has taken on a surprising new role: that of market asset. Specifically, lenders in radically different contexts are using their borrowers' human worth as collateral in loan transactions. The two examples of this new collateralization that I examine are credit card lending in the United States and microlending programs in the Third World. I conclude that the use of human worth in these two contexts is too similar to be coincidental. Rather, this new collateralization is a product of globalization. For those interested in the effect of law on globalization, this convergence in the market for credit teaches important lessons. In both the contexts I examine, the laws governing secured and unsecured lending fail to recognize human worth as collateral. For this reason, the new collateralization serves as a counter-example to the claimed centrality of the rule of law in economic development." @default.
- W53891688 created "2016-06-24" @default.
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- W53891688 date "2006-01-01" @default.
- W53891688 modified "2023-10-16" @default.
- W53891688 title "Human Worth as Collateral" @default.
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- W53891688 doi "https://doi.org/10.2139/ssrn.939587" @default.
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