Payday lending in the UK (Record no. 18247)
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| 000 -LEADER | |
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| fixed length control field | 02312nab a22002537ab4500 |
| 003 - CONTROL NUMBER IDENTIFIER | |
| control field | NY |
| 005 - DATE AND TIME OF LATEST TRANSACTION | |
| control field | 20170510093805.0 |
| 007 - PHYSICAL DESCRIPTION FIXED FIELD--GENERAL INFORMATION | |
| fixed length control field | cr |||||n||||| |
| 008 - FIXED-LENGTH DATA ELEMENTS--GENERAL INFORMATION | |
| fixed length control field | 160701p xxu|||||o|||||00| 0 eng|| |
| 040 ## - CATALOGING SOURCE | |
| Original cataloging agency | NY |
| Transcribing agency | NY |
| 041 0# - LANGUAGE CODE | |
| Language code of subtitles or captions | eng |
| 100 1# - MAIN ENTRY--PERSONAL NAME | |
| Personal name | Rowlingson, Karen. |
| 245 10 - TITLE STATEMENT | |
| Title | Payday lending in the UK |
| Medium | [electronic resource] : |
| Remainder of title | the regul(aris)ation of a necessary evil? / |
| Statement of responsibility, etc | Karen Rowlingson, Lindsey Appleyard, Jodi Gardner. |
| 246 3# - VARYING FORM OF TITLE | |
| Title proper/short title | regulation of a necessary evil? |
| 246 3# - VARYING FORM OF TITLE | |
| Title proper/short title | regularisation of a necessary evil? |
| 300 ## - PHYSICAL DESCRIPTION | |
| Extent | pp. 527-543. |
| 520 ## - SUMMARY, ETC. | |
| Summary, etc | Concern about the increasing use of payday lending led the UK's Financial Conduct Authority to introduce landmark reforms in 2014/15. While these reforms have generally been welcomed as a way of curbing ‘extortionate’ and ‘predatory’ lending, this paper presents a more nuanced picture based on a theoretically-informed analysis of the growth and nature of payday lending combined with original and rigorous qualitative interviews with customers. We argue that payday lending has grown as a result of three major and inter-related trends: growing income insecurity for people both in and out of work; cuts in state welfare provision; and increasing financialisation. Recent reforms of payday lending do nothing to tackle these root causes. Our research also makes a major contribution to debates about the ‘everyday life’ of financialisation by focusing on the ‘lived experience’ of borrowers. We show that, contrary to the rather simplistic picture presented by the media and many campaigners, various aspects of payday lending are actually welcomed by customers, given the situations they are in. Tighter regulation may therefore have negative consequences for some. More generally, we argue that the regul(aris)ation of payday lending reinforces the shift in the role of the state from provider/redistributor to regulator/enabler. |
| 538 ## - SYSTEM DETAILS NOTE | |
| System details note | Mode of access: Internet. |
| 700 1# - ADDED ENTRY--PERSONAL NAME | |
| Personal name | Appleyard, Lindsey. |
| 700 1# - ADDED ENTRY--PERSONAL NAME | |
| Personal name | Gardner, Jodi. |
| 773 0# - HOST ITEM ENTRY | |
| Title | Journal of social policy. |
| Relationship information | 2016, Vol. 45, No. 3 |
| International Standard Serial Number | 0047-2794 (Print), 1469-7823 (Online) |
| Record control number | per17349 |
| 856 40 - ELECTRONIC LOCATION AND ACCESS | |
| Uniform Resource Identifier | http://ezproxy01.ny.edu.hk:2048/login?url=https://doi.org/10.1017/S0047279416000015 |
| Public note | Click here to access full-text article |
| 942 ## - ADDED ENTRY ELEMENTS (KOHA) | |
| Source of classification or shelving scheme | |
| Koha item type | E-Article |
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Hong Kong Nang Yan College of Higher Education
Lee Yan Fong Library
325-329 Lai Chi Kok Road, Shamshuipo, Kowloon, HONG KONG
Lee Yan Fong Library
325-329 Lai Chi Kok Road, Shamshuipo, Kowloon, HONG KONG