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A 2009-2011 statistical analysis finds that the percentage of US households that used high-cost nonbank credit has increased.
Nonbank credit includes payday, pawnshop, rent-to-own and reimbursement loans. The nonbank credit users are identified as "older, non-minority, more educated, married couples, and those with incomes above $50,000." Nonbank credit funds are often used to cover the expenses of basic living necessities.
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The Social Investment Tax Relief
The proposed Social Investment Tax Relief (SITR) has UK civil society and social organizations stirred up this season. The supposed tax relief on investment in social impact bonds will support the UK social economy.
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