1. Introduction -- 2. Theories of consumer credit regulation -- 3. An Overview of the Nigerian system and the structure of lending in Nigeria -- 4. Consumer credit and case law in Nigeria -- 5. Consumer credit and Customary law in Nigeria -- 6. Transnational influences on Consumer credit...

Financial innovations are a common explanation of the rise in consumer credit and bankruptcies. To evaluate this story, we develop a simple model that incorporates two key frictions: asymmetric information about borrowers' risk of default and a fixed cost to create each contract offered by...

This paper empirically examines the benefits of relationship banking to banks, in the context of consumer credit markets. Using a unique panel dataset that contains comprehensive information about the relationships between a large bank and its credit card customers, we estimate the effects of...