Usury is a frequent occurrence in consumer credit markets and particularly affects low-income households. Although the term usury conjures images of a greedy individual consciously acting to exploit the weak bargaining position of another by deceitful and even fraudulent means, we consider it as...

The study has been conducted at a time where according to national discussions, despite the lessons from the financial crisis and a dented consumer confidence in the financial sector, unfair practices of the financial industry as well as the sale of inadequate products like payment protection...

The three main pillars of the new regulatory framework for banks are: capital, leverage and liquidity requirements. The assessment of the CRD IV measures shows that there is a sound chance of increasing stability of the banking sector resulting in net benefits for the overall economy....

Usury is a frequent occurrence in consumer credit markets and particularly affects low-income households. Although the term usury conjures images of a greedy individual consciously acting to exploit the weak bargaining position of another by deceitful and even fraudulent means, we consider it as...

Usury is a frequent occurrence in consumer credit markets and particularly affects low-income households. Systemic usury exploits poverty by shifting usury into additional products and leveraging usury gains by stringing together individual loan agreements. This paper reviews the economic...

Usury is a frequent occurrence in consumer credit markets and particularly affects low-income households. Although the term usury conjures images of a greedy individual consciously acting to exploit the weak bargaining position of another by deceitful and even fraudulent means, we consider it as...

Der produktive Gebrauch von Finanzdienstleistungen ist zum Schlüssel für die Teilhabe am modernen Wirtschaftsleben geworden. "Finanzielle Allgemeinbildung" soll in der Kommunikation zwischen Anbietern und Kunden die Fähigkeit beider Seiten erhöhen, Finanzdienstleistungen und...

Die theoretische Literatur erklärt den Mehrwert von Bürgschaftsbanken und anderen staatlich gestützten Bürgschaftseinrichtungen für kleine und mittlere Unternehmen (KMU) durch deren Wirkung, Finanzierungsengpässe infolge von fehlenden Sicherheiten und hohen Informationsasymmetrien zu...

Germany's bank-based financial system provides a high level of financial inclusion, measured by bank outreach and use of financial services. However, the most vulnerable individuals and small enterprises in Germany tend to be excluded or credit constrained. The quality of financial inclusion is...

Die gestiegene Inflation und die daraufhin erfolgten Zinserhöhungen treffen einkommensschwache und verschuldete Haushalte besonders hart. Die Leitzinserhöhungen der Europäischen Zentralbank (EZB) seit Juli 2022 wurden bei der Neukreditvergabe durch Banken auf einzelnen Teilmärkten in...