000			01419naa a2200193uu 4500
001			7080716353110
003			OSt
005			20190211163054.0
008			070807s2007 xx ||||gr |0|| 0 eng d
100	1		_aBYRNE, Noreen _932536
245	1	0	_aMoney-lending and financial exclusion
260			_aOxford, UK : _bBlackwell, _cFebruary 2007
520	3		_aThis article focuses on money-lending and financial exclusion in Ireland. Borrowing from money-lenders is seen in the academic literature as an indicator of exclusion from more affordable sources of credit. However, Ireland has a widespread credit union movement which provides access to affordable credit. The authors investigated whether this has an impact on the use of money-lending in Ireland. They found that a significant number of people who borrow from moneylenders also borrow from mainstream sources of credit. The borrower and moneylender relationship is complex and is not centred on access alone. The authors explain why new policy is needed which must not only focus on access to financial services but equally on financial education and regulation
700	1		_aMCCARTHY, Olive _932537
700	1		_aWARD, Michael _911179
773	0	8	_tPublic Money & Management : integrating theory and practice in public management _g27, 1, p. 45-52 _dOxford, UK : Blackwell, February 2007 _xISSN 0954-0962 _w
942			_cS
998			_a20070807 _b1635^b _cTiago
999			_aConvertido do Formato PHL _bPHL2MARC21 1.1 _c24369 _d24369
041			_aeng