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Copyright of Contaduría y Administración is the property of Facultad de Contaduria y Administracion-Universidad Nacional Autonoma de Mexico and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Copyright of Revista Publicando is the property of RPPH and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Copyright of Revista de Derecho UNED is the property of Editorial UNED and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Copyright of Papeles del CEIC is the property of Centro de Estudios sobra la Identidad Colectiva, Facultas de Ciencias Sociales and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Chile's specific form of capitalism has given rise to a class of financial consumers who navigate a consumer society with low incomes but easy access to credit. As a result, being in debt has become a common expectation in Chilean society. In this study, we conducted 46 in-depth interviews with indebted financial consumers to examine the practices, materialities, and moral and social evaluations surrounding credit and debt. We explored how these concepts are reinterpreted and domesticated in a context where indebtedness is deeply entrenched. Through our analysis, we identified three interrelated processes: (1) moral operations that allow for the separation of credit from debt; (2) the redefinition of prices, values, and materialities through various credit practices used by financial consumers to survive in a precarious consumer society; and (3) the subjective evaluation and categorization of debt levels, which subverts conventional quantifications and categorizations of debt. Our findings demonstrate how financial consumers can unmoralize indebtedness and redefine credit, providing opportunities for counter-agency, collectivization, and politicization of indebted subjects. This article contributes to the discussion on the meaning of debt, provides insight into the financialization of everyday life, and offers a perspective on installation and participation in a consumer society from the viewpoint of subordinated subjects in the Global South. [ABSTRACT FROM AUTHOR]

Copyright of Mexican Journal of Economics & Finance / Revista Mexicana de Economia y Finanzas is the property of Instituto Mexicano de Ejecutivos de Finanzas and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Copyright of Revista Chilena de Derecho y Ciencia Política is the property of Revista Chilena de Derecho y Ciencia Política and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Copyright of Informacion Comercial Espanola Revista de Economia is the property of S.G.E.E.I.P.C., Secretaria de Estado de Comercio, Ministerio de Industria, Comercio y Turismo and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Since the adoption of the neoliberal growth model, carried out thirty years ago by most of the emerging economies, it has been configured in these, what various authors have called the process of subordinated financialization; and whose origin is related to the abrupt development of the national financial sector, which, since then, has been assigned the responsibility of triggering a period of sustained growth and economic development. To this end, a series of reforms were carried out aimed at strengthening the link between the financial and productive sectors, for example, an environment of competition was promoted within the banking sector, which improved the conditions of access to credit for the majority of Mexican companies. This should translate into the strengthening of the country's industrial sector, and therefore, in the improvement of levels of growth and economic development. Therefore, one of the main beneficiaries of this economic logic should be the labor market, not only in quantitative terms in the short term, but also qualitative in the medium and long term. On the other hand, one of the characteristics of the subordinated financialization process is the pauperization of the employed population. So, analyzing what happened in the case of the Mexican economy becomes highly relevant when considering the political-economic transition that the country is going through. For this, a statistical-descriptive analysis is carried out from official information on the evolution of the Mexican labor market. Regarding the results obtained, it should be noted that there is no conclusive evidence to support that the expected benefits in labor matters have occurred; In fact, through the analysis of selected variables, it is possible to identify a number of specific features of a process of subordinate financialization, for example, a remarkable financial development, a scarce and volatile economic growth, the formation of a banking system that prioritizes credit to the consumer on intended for production; as well as a gradual job insecurity, responsible for household overindebtedness. [ABSTRACT FROM AUTHOR]

: This study is going to focus on the analysis of “revolving” credits and cards, paying preferential attention on the importance of compliance with the lender’s duty of pre-contractual and contractual information for the protection of the consumer who contracts these credit products and, therefore, on the double control of transparency to which the recent approval of Order ETD/699/2020, of July 24, has contributed; without neglecting to mention the position adopted by the Plenary of the Civil Chamber in judgments of 25 November 2015 and 4 March 2020, which opt for the application of the Law for the Repression of Usury because the agreed remunerative interest rate is considered usurious. [ABSTRACT FROM AUTHOR]

This study is going to focus on the analysis of "revolving" credits and cards, paying preferential attention on the importance of compliance with the lender's duty of pre-contractual and contractual information for the protection of the consumer who contracts these credit products and, therefore, on the double control of transparency to which the recent approval of Order ETD/699/2020, of July 24, has contributed; without neglecting to mention the position adopted by the Plenary of the Civil Chamber in judgments of 25 November 2015 and 4 March 2020, which opt for the application of the Law for the Repression of Usury because the agreed remunerative interest rate is considered usurious. [ABSTRACT FROM AUTHOR]

Copyright of Lumina (0123-4072) is the property of Universidad de Manizales and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Issue 94 of the magazine Economic Analysis presents eleven articles by researchers from various Mexican institutions and a professor from Loyola Andalucía University in Spain. The topics addressed include the pension system in Mexico, the macroeconomic determinants of retirement savings, access to credit and its impact on Mexican household consumption, economic development in South Korea, Spain, and Mexico, the incidence of public spending and subnational debt on state economic growth in Mexico, the demand for wage workers in Mexico, vulnerabilities of the Mexican financial system, coverage of electricity price volatility, wage advantages for English speakers in Mexico, the competitiveness of Mexican coffee in international trade, and the use of infrastructure and productivity of the port of Veracruz in Mexico. [Extracted from the article]

Copyright of Revista Chilena de Derecho Privado is the property of Fundacion Fernando Fueyo Laneri and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Copyright of Revista de Derecho Privado (0123-4366) is the property of Universidad Externado de Colombia, Departmento de Derecho Civil and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

In recent years, consumer credit in Mexico has grown in significant ways. Credit cards, which represent 52% of credit in the country, grew by 19% from 2011 to 2018, while the average debt per card increased by 62%. This increase generates problems of over-indebtedness in Mexican households. Using microdata from the National Income and Expenditure Survey (NIES), this research seeks to identify the factors that affect over-indebtedness in households, and to offer an explanation of said phenomenon using a neural network methodology. The principal determinant of overindebtedness in Mexican households is the existence of bank credit, given that this indicates a long-term transfer of family income to the financial sector. [ABSTRACT FROM AUTHOR]

The objective of this research was to analyze the financial risk in the consumption credits of the banking system of Venezuela between 2008-2015. The theoretical support was made based on Cóndor & Cajamarca (2014), monitoring credit risk is essential to preserve the stability of the financial system. The type of research was descriptive with a longitudinal trend design. Consumer loans accounted for 21% of the banking economy; these loans grew at an annual average of 17%, the delinquency and total portfolio coverage indicators showed a downward trend. This shows that the profile of potential borrowers by banks has been successful. [ABSTRACT FROM AUTHOR]

The object of this work is the syncretic analysis of transparency in contracts under general contracting conditions; its study in its versions of material transparency, the negative transparency related precisely to the consequences of the lack of transparency in those contracts, and also, the version of transparency in its facet of prosecution to affect, with abuse of rights, to null clauses and their consequences. The transparency in contracts, brief analysis of the means and/ or modes of control and prosecution in their impact on the informed consent of consumers and users. Analysis, also, of the financial transparency in contracts of professional lenders and their clients. Historical evolution. Brief analysis of transparency in Consumer Credit Agreements between professionals and consumers. Mandatory minimum structural content of these contracts; article 16 of Law 16/2011. [ABSTRACT FROM AUTHOR]

In the recent years of economic crisis, owing to the increase in payments in arrears, the financial entities have resorted to massive selling of credit portfolios as a way to lighten their financial accounts. Meanwhile, we have seen a strong development in the relatively recent securitization process, which were first regulated by Spanish law in the 90s as mechanisms to facilitate the financing of the banks and to allow the transfer of the risk associated with the ownership of the credit right. In fact, in 2011, Spain was the third sponsor country at the European level, following only the United Kingdom and The Netherlands. This article analyses some of the procedural difficulties arising from the collection of credits affected by a sale of non-performing loans (mortgage loans and consumer credits) or the securitization of mortgage loan portfolios. The analysis takes an eminently practical approach from a procedural perspective to two of the most controversial issues in current times: the right of first refusal over disputed credits, including its scope and requirements of application, and the legal standing of the originating entity (bank) when enforcing a credit subject to securitization, including its ability to assign the auction rights. [ABSTRACT FROM AUTHOR]

Copyright of Desacatos is the property of Centro de Investigaciones y Estudios Superiores en Antropologia Social and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Copyright of Desacatos is the property of Centro de Investigaciones y Estudios Superiores en Antropologia Social and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Copyright of Ensayos Economicos is the property of Banco Central de la Republica Argentina and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Copyright of Estudios Gerenciales is the property of Universidad ICESI and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Homes that are most vulnerable generally establish strategies that can insure to access that is affordable to their own economic conditions, sociocultural characteristics and the opportunities presented by their environment. Objective: identify the main food access strategies implement in low income homes belonging to stratuses 1, 2, 3 in Medellin area. Methodology: qualitative approach. The method employed was applicable etnography which allowed us to inquire through the subjects perspective. Focused groups, one on one and grupal interviews were used as data collection technics. Results: among many of the food access strategies found to be by communities in low level stratuses can be identified: credit on neighborhood groceries stores, relative to relative hand-out, friends, neighbors. The most used strategy found among displaced communities is a "walk about" food markets around asking for food supplies. [ABSTRACT FROM AUTHOR]

Copyright of Comunicación y Hombre is the property of Universidad Francisco de Vitoria and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

This article shows the development of a method for constructing a model for assigning credits at Cooperativa Belén Ahorro y Crédito consumption loans. For this purpose, existing Colombian norms and the need for having a score system (customer individual qualification) are used to optimize times of sale processes and study of credit requests, in order to determine the customer's basic characteristics. This article deals with the first stage of the process when a qualitative methodology is used together with statistical methods. [ABSTRACT FROM AUTHOR]

In the city of La Paz, the housing market is experiencing a favorable situation characterized by an increasing volume of available resources in the financial system, low real interest rates, a currency that is continuously being appreciated and an increase in the stock of different types of housing. In this context, the question that arises concerns the determinants of purchasing a home. Among those determinants, it is possible that some socioeconomic characteristics of the families determine whether the families have access to the credit market, which leads to the fact that even though it could be optimum to purchase a home the family I obligated to rent. To model the decision of purchasing under the rationing of credit availability we follow the methodology of Henderson and Ioannides (1986; 1983). We found that the characteristics such as income, age, education level, and marital status of the head of household play a role in determining the possibility of having access to a credit market for the financing of a home. [ABSTRACT FROM AUTHOR]

This paper analyzes the key drivers of Colombian household's indebtedness during the past 14 years, using Financial Accounts provided by the Central Bank (Banco de la República) and a random sample of individuals Tax Income Statements reported to the Tax Office (DIAN) between 1993 and 2004. Based on a simple choice model, the results suggest that collateral and carried debt are the main drivers of indebtedness, in consequence policy should be household equity and interest rate oriented in order to avoid a massive default crisis such as the one occurred in 1999. [ABSTRACT FROM AUTHOR]

Se presentan noticias que tratan de la economía de los Estados Unidos. Se habla de la expansión económica en 1959. Estaban incrementándose los gastos de inversión. Subía la tasa de expansión del crédito a consumidores. Se habla de una huelga siderúrgica. Persistía la fuerte salida de oro norteamericano. Se avanzaba un proyecto de una Asociación Internacional de Desarrollo.

Se presentan noticias que tratan de la economía de los Estados Unidos. Se informa que los EE. UU. apoyaba la cooperación nuclear europea. La Junta de la Reserva Federal estaba haciendo un estudio sobre las condiciones del crédito a consumidores y la necesidad de controles federales. Se presentan dos cuadros estadísticos con información sobre la balanza de pagos de los EE. UU. en 1956 y 1957 y el presupuesto federal para 1957 y 1958.

Se presentan noticias que tratan de la economía de los Estados Unidos. La Junta de la Reserva Federal ha publicado un estudio sobre el crédito a consumidores. El flujo de capital privado de los EE. UU. al extranjero aumentó en 1956. Los EE. UU. mantenía una política neutral en relación con el mercado común europeo. Se presenta un cuadro estadístico de las tasas de interés a fines de 1956.