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Abstract: “We exploit a modification of lending rules to calculate the effect that is causal of access to payday advances on alcohol product product product sales. Leveraging lender- and alcohol store-level information, we realize that the noticeable changes reduce sales, utilizing the largest decreases at stores positioned nearest to loan providers. (más…)

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The Department of Business, Innovation and Skills (BIS) commissioned Ipsos MORI to conduct research that is qualitative a mix of individuals that has considered utilizing an online payday loan and people who had been payday financing clients.

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Reasons why individuals choose payday financing, including their situation that is financial and factors which could have motivated them to do this; The impact of pay day loan marketing on customers’ decisions to select these items, like the part of context, tone, language, pictures and positioning; and, The prospective for changes to payday lending adverts to improve participants’ behaviour in regards to selecting pay day loans.

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