In a perfect world it would be great if they didn't exist : how Australians experience payday loans

Banks, Marcus, Marston, Gregory, Russell, Roslyn, & Karger, Howard (2015) In a perfect world it would be great if they didn't exist : how Australians experience payday loans. International Journal of Social Welfare, 24(1), pp. 37-47.

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In the last few decades payday loans have mushroomed in many developed countries. The arguments for and against an industry which provides small, short-term loans at very high interest rates have also blossomed. This article presents findings from an Australian study to contribute to the international policy and practice debate about a sector which orients to those on a low income. At the heart of this debate lies a conundrum: Borrowing from payday lenders exacerbates poverty, yet many low-income households rely on these loans. We argue that the key problem is the restricted framework within which the debate currently oscillates.

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ID Code: 79346
Item Type: Journal Article
Refereed: Yes
DOI: 10.1111/ijsw.12083
ISSN: 1369-6366
Subjects: Australian and New Zealand Standard Research Classification > STUDIES IN HUMAN SOCIETY (160000) > POLICY AND ADMINISTRATION (160500) > Social Policy (160512)
Divisions: Current > QUT Faculties and Divisions > Faculty of Health
Current > Institutes > Institute of Health and Biomedical Innovation
Current > Schools > School of Public Health & Social Work
Copyright Owner: Copyright 2014 The Author(s). International Journal of Social Welfare © 2014 International Journal of Social Welfare and John Wiley & Sons Ltd
Deposited On: 09 Dec 2014 22:44
Last Modified: 13 Feb 2015 03:27

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