Technical Studies. [Prepared For] the National Commission on Consumer Finance, Volume 2U.S. Government Printing Office - Consumer credit |
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124 Companies 36 month limitation analysis annual annual percentage rates assets Average Size Loan AVLM bad debts bankruptcy Benston branch Coefficients first line COLLECTION RESTRICTIONS confession of judgment consumer finance companies cost function creditors customers delinquent dollar brackets dollars of loans economies of scale end of table Errors in parentheses estimated Federal Income Taxes finance charge firms footnotes at end GARR geometric mean HDCR Homogeneity Variables included indicate significance interviewed Large Loans lenders lending limited-income credit unions Loan Made AVG loans outstanding loans serviced loss rate marginal cost measure NLM/S number of loans offices one-tail operating costs operating expenses Output and Homogeneity payments percent level Previous Loans rate ceilings ratio reason for borrowing regression fallacy renewals reported revenues risk salaries sample small credit unions small loan borrowers small loan companies small loan industry small small loan Standard Errors total number two-tail values third line Variables-Continued Regression Coefficients