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Palgrave Macmillan

Payday Lending in Canada in a Global Context

A Mature Industry with Chronic Challenges

  • Book
  • © 2018

Overview

Editors:
  1. Jerry Buckland

    1. Menno Simons College, Canadian Mennonite University Affiliated with the University of Winnipeg, Winnipeg, MB, Canada

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  2. Chris Robinson

    1. Faculty of Liberal Arts and Professional Studies School of Administrative Studies, York University, Toronto, ON, Canada

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  3. Brenda Spotton Visano

    1. Faculty of Liberal Arts and Professional Studies Department of Economics School of Public Policy and Administration, York University, Toronto, ON, Canada

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  • Adds data, analysis, and lessons from Canada, the US, and the UK to a growing global conversation on high-cost credit
  • Features perspectives from an interdisciplinary team of experts with almost 10 years of collaborative experience
  • Provides a comprehensive and holistic analysis of the payday lending business, consumers, and regulators

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Table of contents (8 chapters)

  1. Front Matter

    Pages i-xxi
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  2. Introduction

    • Jerry Buckland, Brenda Spotton Visano
    Pages 1-40

  3. A Statistical Profile of Payday Loan Clients from National Surveys

    • Wayne Simpson, Khan Islam
    Pages 41-64

  4. A Socio-economic Examination of Payday Loan Clients: Why and How People Use Payday Loans

    • Jerry Buckland
    Pages 65-81

  5. A Business Analysis of the Payday Loan Industry

    • Chris Robinson
    Pages 83-127

  6. Ethical Issues Related to Payday Lending

    • Chris Robinson, Denys Robinson
    Pages 129-145

  7. Mainstream Financial Institution Alternatives to the Payday Loans

    • Brenda Spotton Visano
    Pages 147-175

  8. Payday Lending Regulations

    • Katrine Dilay, Byron Williams
    Pages 177-218

  9. Conclusion

    • Jerry Buckland, Chris Robinson, Brenda Spotton Visano
    Pages 219-235

  10. Back Matter

    Pages 237-245
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Keywords

About this book

This book analyzes the highly contentious payday lending industry, presenting valuable new data collected during Canada's recent regulatory reviews and demonstrating its relevance to payday lending conversations taking place worldwide. The authors treat the industry with a balanced hand by establishing its importance as an example of financialization and acknowledging the complex impact of payday lending services on low-income and credit-constrained clients. Up-to-date data from an interdisciplinary mix of financial, econometric, legal, behavioral economic, and socioeconomic sources—all in the context of an established Canadian industry—provide both proponents and opponents of payday lending with valuable evidence for their discussions of how much regulation is required to minimize harmful consequences. These insights from Canada expand a US-centric conversation and provide a key resource for the growing list of countries in which the industry is present, from the UK and Poland toSouth Africa and Australia.

Editors and Affiliations

  • Menno Simons College, Canadian Mennonite University Affiliated with the University of Winnipeg, Winnipeg, MB, Canada

    Jerry Buckland

  • Faculty of Liberal Arts and Professional Studies School of Administrative Studies, York University, Toronto, ON, Canada

    Chris Robinson

  • Faculty of Liberal Arts and Professional Studies Department of Economics School of Public Policy and Administration, York University, Toronto, ON, Canada

    Brenda Spotton Visano

About the editors

Jerry Buckland is Professor of International Development Studies, Menno Simons College, Canadian Mennonite University, Canada. 


Chris Robinson is Professor of Finance, School of Administrative Studies, York University, Canada.


Brenda Spotton Visano is Professor of Economics and Public Policy, Department of Economics, The School of Public Policy & Administration, York University, Canada. 


Bibliographic Information

  • Book Title: Payday Lending in Canada in a Global Context

  • Book Subtitle: A Mature Industry with Chronic Challenges

  • Editors: Jerry Buckland, Chris Robinson, Brenda Spotton Visano

  • DOI: https://doi.org/10.1007/978-3-319-71213-0

  • Publisher: Palgrave Macmillan Cham

  • eBook Packages: Economics and Finance, Economics and Finance (R0)

  • Copyright Information: The Editor(s) (if applicable) and The Author(s) 2018

  • Hardcover ISBN: 978-3-319-71212-3Published: 16 April 2018

  • Softcover ISBN: 978-3-030-10028-5Published: 21 December 2018

  • eBook ISBN: 978-3-319-71213-0Published: 29 March 2018

  • Edition Number: 1

  • Number of Pages: XXI, 245

  • Number of Illustrations: 2 b/w illustrations

  • Topics: Financial Services, Personal Finance/Wealth Management/Pension Planning, Economy-wide Country Studies, Microeconomics

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