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Capstone Projects
Combating Payday Lending in MississippiPayday lenders can charge fees of $22 per $100 borrowed for a two-week short-term loan, which is the equivalent of a 572 annual percentage rate. Borrowers frequently cannot repay their original loan and have to take out additional loans, trapping the …
Capstone Projects
Strategies to Combat Payday Lending in Mississippi"The Mississippi Center for Justice is a nonprofit, public interest law firm committed to advancing racial and economic justice. The Capstone team was engaged to synthesize information about the payday lending industry in Mississippi and the effects such …
Publication
Consumer Borrowing After Payday Loan BansHigh-interest payday loans have proliferated in recent years; so too have efforts to regulate them. Yet how borrowers respond to such regulations remains largely unknown. Drawing on both administrative and survey data, we exploit variation in …
Capstone Projects
Analysis of State Minimum Wages Correlated to Financial Products Used by Low-income HouseholdsSeveral states in recent years have instituted minimum wage policies to address a stagnant federal minimum wage. Historically, exclusions from mainstream banking, racially discriminatory lending policies, and financial industry deregulation have …
Stories
Alumni Voices: Razakh Abukar Abdirahman (MPA 2019)By Mikeala Sparks (MUP, International Development) Razakh was born in Mogadishu, Somalia (a region still under debate as to whether it is Somali or Ethiopian territory) and moved to the US during a refugee resettlement program in Seattle, WA. There, he …