Author:
Publisher:
ISBN:
Category : American community survey
Languages : en
Pages : 18

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Book Description

Author: Thomas A. Durkin
Publisher:
ISBN: 0195169921
Category : Business & Economics
Languages : en
Pages : 737

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Book Description
Consumer Credit and the American Economy examines the economics, behavioral science, sociology, history, institutions, law, and regulation of consumer credit in the United States. After discussing the origins and various kinds of consumer credit available in today's marketplace, this book reviews at some length the long run growth of consumer credit to explore the widely held belief that somehow consumer credit has risen "too fast for too long." It then turns to demand and supply with chapters discussing neoclassical theories of demand, new behavioral economics, and evidence on production costs and why consumer credit might seem expensive compared to some other kinds of credit like government finance. This discussion includes review of the economics of risk management and funding sources, as well discussion of the economic theory of why some people might be limited in their credit search, the phenomenon of credit rationing. This examination includes review of issues of risk management through mathematical methods of borrower screening known as credit scoring and financial market sources of funding for offerings of consumer credit. The book then discusses technological change in credit granting. It examines how modern automated information systems called credit reporting agencies, or more popularly "credit bureaus," reduce the costs of information acquisition and permit greater credit availability at less cost. This discussion is followed by examination of the logical offspring of technology, the ubiquitous credit card that permits consumers access to both payments and credit services worldwide virtually instantly. After a chapter on institutions that have arisen to supply credit to individuals for whom mainstream credit is often unavailable, including "payday loans" and other small dollar sources of loans, discussion turns to legal structure and the regulation of consumer credit. There are separate chapters on the theories behind the two main thrusts of federal regulation to this point, fairness for all and financial disclosure. Following these chapters, there is another on state regulation that has long focused on marketplace access and pricing. Before a final concluding chapter, another chapter focuses on two noncredit marketplace products that are closely related to credit. The first of them, debt protection including credit insurance and other forms of credit protection, is economically a complement. The second product, consumer leasing, is a substitute for credit use in many situations, especially involving acquisition of automobiles. This chapter is followed by a full review of consumer bankruptcy, what happens in the worst of cases when consumers find themselves unable to repay their loans. Because of the importance of consumer credit in consumers' financial affairs, the intended audience includes anyone interested in these issues, not only specialists who spend much of their time focused on them. For this reason, the authors have carefully avoided academic jargon and the mathematics that is the modern language of economics. It also examines the psychological, sociological, historical, and especially legal traditions that go into fully understanding what has led to the demand for consumer credit and to what the markets and institutions that provide these products have become today.

Author: Hans-Jürgen Andreß
Publisher: Springer Science & Business Media
ISBN: 3642329144
Category : Social Science
Languages : en
Pages : 338

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Book Description
Many economic and social surveys are designed as panel studies, which provide important data for describing social changes and testing causal relations between social phenomena. This textbook shows how to manage, describe, and model these kinds of data. It presents models for continuous and categorical dependent variables, focusing either on the level of these variables at different points in time or on their change over time. It covers fixed and random effects models, models for change scores and event history models. All statistical methods are explained in an application-centered style using research examples from scholarly journals, which can be replicated by the reader through data provided on the accompanying website. As all models are compared to each other, it provides valuable assistance with choosing the right model in applied research. The textbook is directed at master and doctoral students as well as applied researchers in the social sciences, psychology, business administration and economics. Readers should be familiar with linear regression and have a good understanding of ordinary least squares estimation. ​

Author: National Academies of Sciences, Engineering, and Medicine
Publisher: National Academies Press
ISBN: 0309444454
Category : Social Science
Languages : en
Pages : 643

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Book Description
The Economic and Fiscal Consequences of Immigration finds that the long-term impact of immigration on the wages and employment of native-born workers overall is very small, and that any negative impacts are most likely to be found for prior immigrants or native-born high school dropouts. First-generation immigrants are more costly to governments than are the native-born, but the second generation are among the strongest fiscal and economic contributors in the U.S. This report concludes that immigration has an overall positive impact on long-run economic growth in the U.S. More than 40 million people living in the United States were born in other countries, and almost an equal number have at least one foreign-born parent. Together, the first generation (foreign-born) and second generation (children of the foreign-born) comprise almost one in four Americans. It comes as little surprise, then, that many U.S. residents view immigration as a major policy issue facing the nation. Not only does immigration affect the environment in which everyone lives, learns, and works, but it also interacts with nearly every policy area of concern, from jobs and the economy, education, and health care, to federal, state, and local government budgets. The changing patterns of immigration and the evolving consequences for American society, institutions, and the economy continue to fuel public policy debate that plays out at the national, state, and local levels. The Economic and Fiscal Consequences of Immigration assesses the impact of dynamic immigration processes on economic and fiscal outcomes for the United States, a major destination of world population movements. This report will be a fundamental resource for policy makers and law makers at the federal, state, and local levels but extends to the general public, nongovernmental organizations, the business community, educational institutions, and the research community.

Author: OECD
Publisher: OECD Publishing
ISBN: 9264891242
Category :
Languages : en
Pages : 147

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Book Description
The French economy rebounded quickly following the COVID-19 crisis, in particular thanks to the acceleration of the vaccination campaign and strong public support measures. Rapid and effective implementation of the recovery and investment plans would help support stronger and more sustainable growth.

Author: Jonathan Harris
Publisher: Island Press
ISBN: 159726783X
Category : Business & Economics
Languages : en
Pages : 448

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Book Description
Perpetual economic growth is physically impossible on a planet with finite resources. Many concerned with humanity's future have focused on the concept of "sustainable development" as an alternative, as they seek means of achieving current economic and social goals without compromising the ability of future generations to meet their own goals. Sustainable development brings together elements of economics, public policy, sociology, ecology, resource management, and other related areas, and while the term has become quite popular, it is rarely defined, and even less often is it understood. A Survey of Sustainable Development addresses that problem by bringing together in a single volume the most important works on sustainable human and economic development. It offers a broad overview of the subject, and gives the reader a quick and thorough guide to this highly diffuse topic. The volume offers ten sections on topics including: economic and social dimensions of sustainable development the North/South balance population and the demographic transition agriculture and renewable resources energy and materials use globalization and corporate responsibility local and national strategies Each section is introduced with an essay by one of the volume editors that provides an overview of the subject and a summary of the mainstream literature, followed by two- to three-page abstracts of the most important articles or book chapters on the topic. A Survey of Sustainable Development is the sixth and final volume in the Frontier Issues of Economic Thought series produced by the Global Development And Environment Institute at Tufts University. Each book brings together the most important articles and book chapters in a "frontier" area of economics where important new work is being done but has not yet been incorporated into the mainstream of economic study. The book is an essential reference for students and scholars concerned with economics, environmental studies, public policy and administration, international development, and a broad range of related fields.

Author: K. J. Schulz
Publisher: Geological Survey
ISBN: 9781411339910
Category : Business & Economics
Languages : en
Pages : 868

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Book Description
As the importance and dependence of specific mineral commodities increase, so does concern about their supply. The United States is currently 100 percent reliant on foreign sources for 20 mineral commodities and imports the majority of its supply of more than 50 mineral commodities. Mineral commodities that have important uses and face potential supply disruption are critical to American economic and national security. However, a mineral commodity's importance and the nature of its supply chain can change with time; a mineral commodity that may not have been considered critical 25 years ago may be critical today, and one considered critical today may not be so in the future. The U.S. Geological Survey has produced this volume to describe a select group of mineral commodities currently critical to our economy and security. For each mineral commodity covered, the authors provide a comprehensive look at (1) the commodity's use; (2) the geology and global distribution of the mineral deposit types that account for the present and possible future supply of the commodity; (3) the current status of production, reserves, and resources in the United States and globally; and (4) environmental considerations related to the commodity's production from different types of mineral deposits. The volume describes U.S. critical mineral resources in a global context, for no country can be self-sufficient for all its mineral commodity needs, and the United States will always rely on global mineral commodity supply chains. This volume provides the scientific understanding of critical mineral resources required for informed decisionmaking by those responsible for ensuring that the United States has a secure and sustainable supply of mineral commodities.

Author: Giuseppe Iarossi
Publisher: World Bank Publications
ISBN: 082136393X
Category : Social Science
Languages : en
Pages : 282

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Book Description
A practical how-to guide on all the steps involved with survey implementation, this volume covers survey management, questionnaire design, sampling, respondent's psychology and survey participation, and data management. A comprehensive and practical reference for those who both use and produce survey data.

Author: OECD
Publisher: OECD Publishing
ISBN: 9264278052
Category :
Languages : en
Pages : 174

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Book Description
Following years of unsustainable economic policies, Argentina has undertaken a bold turnaround in policies, which has helped to stabilise the economy and avoid another crisis.

Author: Robert Sexton
Publisher: Cengage Learning
ISBN: 9781305657625
Category : Business & Economics
Languages : en
Pages : 432

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Book Description
4LTR Press solutions give students the option to choose the format that best suits their learning preferences. This option is perfect for those students who focus on the textbook as their main course resource. Important Notice: Media content referenced within the product description or the product text may not be available in the ebook version.