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dc.contributor.authorWilson, Therese
dc.contributor.authorHunt, Katherine
dc.date.accessioned2020-01-07T05:48:14Z
dc.date.available2020-01-07T05:48:14Z
dc.date.issued2019
dc.identifier.issn1447-137X
dc.identifier.urihttp://hdl.handle.net/10072/390090
dc.description.abstractThis article explores the implications of the link between personality traits most likely to impact small loan regulation effectiveness, and the types of small loan regulation currently in place in Australia. Those personality characteristics of small loan borrowers likely to be most relevant to borrower behaviour are optimism, risk tolerance, and self-control. Other characteristics which can impact on debt behaviour are financial literacy (itself a form of regulation but also a characteristic which can impact on the effectiveness of a regulatory strategy such as disclosure), and irrational behaviour. In this article we consider the possible impacts of such traits and behaviours on the effectiveness of the three regulatory types. It is suggested that empirical research should be conducted to ascertain the dominance of these traits and characteristics amongst small loans and enterprise borrowers, in order to inform regulatory developments.
dc.description.peerreviewedYes
dc.languageEnglish
dc.language.isoeng
dc.publisherLexisNexis Butterworths
dc.publisher.urihttp://www2.lexisnexis.com.au/sites/en-au/products/australian-banking-finance-law-bulletin.page
dc.relation.ispartofpagefrom146
dc.relation.ispartofpageto147
dc.relation.ispartofissue8
dc.relation.ispartofjournalAustralian Banking and Finance Law Bulletin
dc.relation.ispartofvolume35
dc.subject.fieldofresearchLaw
dc.subject.fieldofresearchBanking, Finance and Investment
dc.subject.fieldofresearchcode1801
dc.subject.fieldofresearchcode1502
dc.titleImplications regarding the effectiveness of small loan regulation in Australia
dc.typeJournal article
dc.type.descriptionC1 - Articles
dcterms.bibliographicCitationWilson, T; Hunt, K, Implications regarding the effectiveness of small loan regulation in Australia, Australian Banking and Finance Law Bulletin, 2019, 35 (8), pp. 146-147
dc.date.updated2020-01-06T23:48:49Z
gro.hasfulltextNo Full Text
gro.griffith.authorWilson, Therese A.
gro.griffith.authorHunt, Katherine H.


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