東華大學圖書館 |

語系: 繁體中文

說明(常見問題)

回圖書館首頁

手機版館藏查詢

登入

回首頁

切換: 標籤 | MARC模式 | ISBD

The Walking Debt: Surviving an Outbr...

Novinbakht, Arya.

FindBook

Google Book

Amazon

博客來

The Walking Debt: Surviving an Outbreak of Predatory Lending.

紀錄類型:	書目-電子資源 : Monograph/item
正題名/作者:	The Walking Debt: Surviving an Outbreak of Predatory Lending./
作者:	Novinbakht, Arya.
出版者:	Ann Arbor : ProQuest Dissertations & Theses, : 2018,
面頁冊數:	79 p.
附註:	Source: Masters Abstracts International, Volume: 80-01.
Contained By:	Masters Abstracts International80-01.
標題:	Religion. -
電子資源:	http://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=10790018
ISBN:	9780438113817

The Walking Debt: Surviving an Outbreak of Predatory Lending.
Novinbakht, Arya.

The Walking Debt: Surviving an Outbreak of Predatory Lending. - Ann Arbor : ProQuest Dissertations & Theses, 2018 - 79 p.

Source: Masters Abstracts International, Volume: 80-01.

Thesis (M.A.)--University of South Carolina, 2018.

This item must not be sold to any third party vendors.

The Walking Debt provides first-hand accounts of predatory finance and financial literacy. This thesis displays how low- and middle-income earners afford their cost of living in times of stagnant wages and rising costs, through face-to-face interviews with payday loan recipients. Payday loans are short-term, high interest loans whose clients typically "rollover" to afford the cost of credit and their cost of living. Although these loans are not new, they came to thrive following a series of neoliberal reforms beginning in the 1970s that ultimately undermined the Community Reinvestment Act (CRA) of 1977. Due to the nature of neoliberalism, responsibility for financial well-being has fallen upon the individual, through a reduction in forms of social welfare policies and economic regulation. In effect, people who struggle to afford their cost of living increasingly rely on credit to make ends meet. Through interviewing payday loan clients, I find that although these loans are "predatory" they can be used strategically, including: cash-on-hand, convenience, non-reporting nature, and near guaranteed approval. An important contribution this work makes is displaying a degree of "richness" that is typically not associated with predatory finance. Displaying the richness of clients for predatory finance displays the breadth of discontent from neoliberal policy reforms that led to the rise of payday loans. I couple these perspectives with different forms of financial literacy to display provide an understanding of what low- and middle-income earners are taught to avoid debt traps like payday loans. I present perspectives of different community financial experts including financial journalists and financial ministry instructors. Financial ministry is a form of financial literacy that incorporates Christian values and is often one of the only forms of financial literacy open and free to members of the public. Financial ministry is often held in Evangelical churches, which since the 1970s have come to embrace the ideology of prosperity gospel. Prosperity gospel incorporates a form of cultural hybridity that blends trending secular elements with traditional Christian values. I find that financial instruction through these services is premised on a shared set of values with neoliberalism, including their shared focus on the individual.

ISBN: 9780438113817Subjects--Topical Terms:

516493
Religion.

The Walking Debt: Surviving an Outbreak of Predatory Lending.
LDR:03417nmm a2200337 4500 001 2205685
005 20190828135842.5
008 201008s2018 ||||||||||||||||| ||eng d
020 $a 9780438113817
035 $a (MiAaPQ)AAI10790018
035 $a (MiAaPQ)sc:15722
035 $a AAI10790018
040 $a MiAaPQ $c MiAaPQ
100 1 $a Novinbakht, Arya. $3 3432553
245 1 4 $a The Walking Debt: Surviving an Outbreak of Predatory Lending.
260 1 $a Ann Arbor : $b ProQuest Dissertations & Theses, $c 2018
300 $a 79 p.
500 $a Source: Masters Abstracts International, Volume: 80-01.
500 $a Publisher info.: Dissertation/Thesis.
500 $a Barker, Drucilla;Lewis, Courtney.
502 $a Thesis (M.A.)--University of South Carolina, 2018.
506 $a This item must not be sold to any third party vendors.
520 $a The Walking Debt provides first-hand accounts of predatory finance and financial literacy. This thesis displays how low- and middle-income earners afford their cost of living in times of stagnant wages and rising costs, through face-to-face interviews with payday loan recipients. Payday loans are short-term, high interest loans whose clients typically "rollover" to afford the cost of credit and their cost of living. Although these loans are not new, they came to thrive following a series of neoliberal reforms beginning in the 1970s that ultimately undermined the Community Reinvestment Act (CRA) of 1977. Due to the nature of neoliberalism, responsibility for financial well-being has fallen upon the individual, through a reduction in forms of social welfare policies and economic regulation. In effect, people who struggle to afford their cost of living increasingly rely on credit to make ends meet. Through interviewing payday loan clients, I find that although these loans are "predatory" they can be used strategically, including: cash-on-hand, convenience, non-reporting nature, and near guaranteed approval. An important contribution this work makes is displaying a degree of "richness" that is typically not associated with predatory finance. Displaying the richness of clients for predatory finance displays the breadth of discontent from neoliberal policy reforms that led to the rise of payday loans. I couple these perspectives with different forms of financial literacy to display provide an understanding of what low- and middle-income earners are taught to avoid debt traps like payday loans. I present perspectives of different community financial experts including financial journalists and financial ministry instructors. Financial ministry is a form of financial literacy that incorporates Christian values and is often one of the only forms of financial literacy open and free to members of the public. Financial ministry is often held in Evangelical churches, which since the 1970s have come to embrace the ideology of prosperity gospel. Prosperity gospel incorporates a form of cultural hybridity that blends trending secular elements with traditional Christian values. I find that financial instruction through these services is premised on a shared set of values with neoliberalism, including their shared focus on the individual.
590 $a School code: 0202.
650 4 $a Religion. $3 516493
650 4 $a Cultural anthropology. $3 2122764
650 4 $a Economic theory. $3 1556984
690 $a 0318
690 $a 0326
690 $a 0511
710 2 $a University of South Carolina. $b Anthropology. $3 1669510
773 0 $t Masters Abstracts International $g 80-01.
790 $a 0202
791 $a M.A.
792 $a 2018
793 $a English
856 4 0 $u http://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=10790018