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Consumer Attitudes Toward Credit Insurance provides the findings of
a survey of approximately 3600 individuals who had the opportunity
to purchase credit life insurance in conjunction with all types of
consumer loans, except first mortgages and credit cards. The survey
that forms the basis of the book was conducted in 1993 by the
Credit Research Center at Purdue University's Krannert Graduate
School of Management. It replicates and expands upon four previous
national studies of credit insurance consumers, done between 1970
and 1985. Despite the generally positive findings of prior research
with respect to consumer attitudes toward credit insurance, several
open questions remain of interest to policy makers, specifically
the question of whether coercion is involved in the sale of the
insurance. Consumer Attitudes Toward Credit Insurance addresses
these outstanding issues. It presents a profile of who is currently
being served by the credit insurance market, as well as the reasons
borrowers purchase the product and their experience with the offer
of credit insurance at point of sale.
At each point in time, individuals make choices with respect to the
acquisition, sale, and/or use of a variety of different goods. Such
activity can be summarized by aggregate variables such as an
economy's total production of various goods and services, the
aggregate level of unemployment, the general level of interest
rates, and the overall level of prices. The focus of this book is
on developing simple theoretical models that provide insight into
the reasons for fluctuations in such aggregate variables. The
models included explore how shocks or 'impulses' to the economy
(e.g. changes to technology, the money supply, or government
policy) impact individuals' behaviour in specific markets, and the
resulting implications in terms of changes in aggregate variables.
This book provides the reader with an in-depth understanding of
standard theoretical models: Walrasian, Keynesian and Neoclassical.
Pedagogically sophisticated, it is theoretically based, rigorous
and includes a host of real world case studies and exercises.
Underpinned by solid microfoundations, it is written in a concise,
accessible style and is an indispensable tool for all students who
wish to a gain a firm grounding in the complexities of
macroeconomic theories as well as government and private sector
researchers of macroeconomics.
Consumer Attitudes Toward Credit Insurance provides the findings of
a survey of approximately 3600 individuals who had the opportunity
to purchase credit life insurance in conjunction with all types of
consumer loans, except first mortgages and credit cards. The survey
that forms the basis of the book was conducted in 1993 by the
Credit Research Center at Purdue University's Krannert Graduate
School of Management. It replicates and expands upon four previous
national studies of credit insurance consumers, done between 1970
and 1985. Despite the generally positive findings of prior research
with respect to consumer attitudes toward credit insurance, several
open questions remain of interest to policy makers, specifically
the question of whether coercion is involved in the sale of the
insurance. Consumer Attitudes Toward Credit Insurance addresses
these outstanding issues. It presents a profile of who is currently
being served by the credit insurance market, as well as the reasons
borrowers purchase the product and their experience with the offer
of credit insurance at point of sale.
At each point in time, individuals make choices with respect to the
acquisition, sale, and/or use of a variety of different goods. Such
activity can be summarized by aggregate variables such as an
economy's total production of various goods and services, the
aggregate level of unemployment, the general level of interest
rates, and the overall level of prices. The focus of this book is
on developing simple theoretical models that provide insight into
the reasons for fluctuations in such aggregate variables. The
models included explore how shocks or 'impulses' to the economy
(e.g. changes to technology, the money supply, or government
policy) impact individuals' behaviour in specific markets, and the
resulting implications in terms of changes in aggregate variables.
This book provides the reader with an in-depth understanding of
standard theoretical models: Walrasian, Keynesian and Neoclassical.
Pedagogically sophisticated, it is theoretically based, rigorous
and includes a host of real world case studies and exercises.
Underpinned by solid microfoundations, it is written in a concise,
accessible style and is an indispensable tool for all students who
wish to a gain a firm grounding in the complexities of
macroeconomic theories as well as government and private sector
researchers of macroeconomics.
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