This paper deals with legal regulation of providing and mediation of credits for consumers with respect to public law. The most important goal of this regulation is to protect consumers. This thesis analyses an act, which came into effect about 1 year ago transposing a directive regulating credit agreements for consumers relating to residential immovable property and a directive regulating other credit agreements for consumers, evaluates its suitability, considers its imperfection and proposes appropriate changes. The paper is divided into 4 chapters according to the structure of the Act No. 257/2016 Coll. on consumer`s credit. The first chapter analyses what exactly shall be considered as the consumer`s credit and defines four essential features of a credit for consumers as it is construed in this Act. The second chapter deals with requirements for obtaining permission for those entities who apply for permission for providing or mediation consumer`s credits, describes possible structures of representation of these entities and potential offence liability, which can be imputed to the represented entity. This chapter also analyses functions of the register, conditions of qualification and deals with definition of credibility and its relation to other laws regulating business of other entities on the...

A study was made of the use of credit by a randomly selected sample of the Ut ah State University staff personnel during 1964 and 1965. The information was obtained by means of a questionnaire. The major objective of the study was to examine the relationship between income and consumer debt with specific reference to reasons underlying the demand for consumer credit, the relationships between amount of consumer credit and variables such as family income, family size , age of family head and amount of liquid assets, and the nature of the demand function for consumer credit. Analysis o f t he information supplied by the questionnaires suggested the following conclusions : (1) Although credit and the variables were closely related, no really significant linear relationship could be established from t he data on hand . (2 ) Use of consumer credit was most frequent among the university personnel under 40 years of age. (3) The major purpose of us ing credit was to purchase automobiles. (4) The most important source of credit was the credit union, with commercial banks, auto s ales finance companies, and retail outlets in the second , third, and fourth places respectively. (5) The use of consumer credit is a middle class phenomenon, with the concentration of borrowers in the $5 ,250 to $9,249 income range.

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Thesis (Ph. D.)--Texas State University--San Marcos, 2008. / Vita. Appendices: leaves 145-174. Includes bibliographical references (leaves 175-184). Also available on microfilm.

Thesis (Ph. D.)--Ohio State University, 2008. / Title from first page of PDF file. Includes bibliographical references (p. 194-203).

Thesis (M. Phil.)--University of Hong Kong, 2003. / Includes bibliographical references (leaves 162-168) Also available in print.

Thesis (Ph. D.)--Ohio State University, 2005. / Title from first page of PDF file. Document formatted into pages; contains xii, 174 p.; also includes graphics (some col.). Includes bibliographical references (p. 154-160). Available online via OhioLINK's ETD Center

Thesis (Ph. D.)--Dept. of Economics. University of Missouri--Kansas City, 2005. / "A dissertation in economics and social science consortium." Advisor: James I. Sturgeon. Typescript. Vita. Title from "catalog record" of the print edition Description based on contents viewed June 26, 2006. Includes bibliographical references (leaves 149-161 ). Online version of the print edition.

Thesis (M.S.)--Montana State University--Bozeman, 2006. / Typescript. Chairperson, Graduate Committee: Vincent H. Smith. Includes bibliographical references (leaves 63-64).

The past decade has shown an unprecedented growth in the use of consumer credit facilities, specifically of store cards, in Botswana. Various factors may have attributed to this growth, e.g. the effect of globalization and the consequent introduction of materialistic values in Africa that instigated the desire to increase living standards; the introduction of sophisticated shopping centers and related retail facilities; fierce competition amongst retailers that motivated retailers to extend credit facilities to consumers across the socio economic spectrum. On the one hand retailers profit from high interest rates on credit accounts. On the other hand consumers are attracted to credit facilities through attractive benefits such as flexibility of payment and convenience of use. The quest for lavish consumption that is typical of our times, has increased the need for credit systems, especially those that are easy to obtain, such as store card accounts. Unfortunately the adoption and use of credit facilities may have harmful economic implications to consumers as well as the economy unless proper facilitation prior to the approval of credit accounts is exercised. This research investigated the factors that may encourage the adoption of store cards and describes the effect of store cards on consumer’s buyer behavior as well as their eventual satisfaction with store card facilities after prolonged use. The investigation was fundamentally constructed from primary data. The findings provide first hand insights on the use of store cards. The research was exploratory in nature and was conducted within a quantitative paradigm. Data was gathered with a questionnaire that was completed in interview format or under the supervision of the researcher. The primary data was statistically analyzed. Descriptive analysis was used to give an overview of the demographic data and responses to the main questions of the research. Inferential analysis was used to determine the relationships between store card attributes and the respondents’ satisfaction levels. Financial and convenience attributes of store cards were identified as the most important influences during a decision to adopt a store card. Additional benefits and special incentives are apparently not that important. Similarly marketing influences such as advertisements and persuasive influences of salespeople seemed of lesser importance. Respondents later indicated that they are not fully informed about the additional benefits that are associated with store cards and consequently indicated their dissatisfaction with these attributes. Dissatisfaction with these attributes (although they were apparently of lesser importance) affected the general mean satisfaction score for store cards negatively: the mean score of 18.91 out of a maximum of 30 is not impressive and presents retailers with much room for improvement. These results cannot be generalized due to the limited scope of the research. However, valuable insights can be used to structure a larger research project that involves store cardholders of various retail outlets. The findings as is can also be used by professionals in Consumer Science to educate consumers on credit management and to encourage informed, responsible buyer behaviour through proper budgeting and clear long term goals in terms of income and expenses. The findings may also contribute to existing theory on consumer credit. / Dissertation (MSc (Consumer Science))--University of Pretoria, 2008. / Consumer Science / MSc / MSc / unrestricted