2003
DOI: 10.1111/0033-0124.5503017
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Landscapes of Predation, Landscapes of Neglect: A Location Analysis of Payday Lenders and Banks

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Cited by 137 publications
(13 citation statements)
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“…Sawyer and Temkin, 2004; Nguyen, 2015; Hegerty, 2016; 2019; Dahl and Franke, 2017); (2) the disproportionate presence of alternative financial services in neighborhoods (e.g. Graves, 2003; Evren, 2009; Fowler et al ., 2014; Prager, 2014; Faber, 2018); and (3) the spatial location patterns of alternative financial services relative to mainstream banks (e.g. Burkey and Simkins, 2004; Smith et al ., 2008; Wheatley, 2010; Smith et al ., 2013; Barth et al ., 2015).…”
Section: Literature Reviewmentioning
confidence: 99%
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“…Sawyer and Temkin, 2004; Nguyen, 2015; Hegerty, 2016; 2019; Dahl and Franke, 2017); (2) the disproportionate presence of alternative financial services in neighborhoods (e.g. Graves, 2003; Evren, 2009; Fowler et al ., 2014; Prager, 2014; Faber, 2018); and (3) the spatial location patterns of alternative financial services relative to mainstream banks (e.g. Burkey and Simkins, 2004; Smith et al ., 2008; Wheatley, 2010; Smith et al ., 2013; Barth et al ., 2015).…”
Section: Literature Reviewmentioning
confidence: 99%
“…At the neighborhood level, concerns are raised about disparate risks and their implications for financial exclusion for specific, vulnerable segments of society (Apgar and Herbert, 2006). This body of research cumulatively acknowledges that unevenness in the spatial distribution of financial services is related to community economic distress, as both an indicator and an exacerbating factor (Graves, 2003; Gallmeyer and Roberts, 2009; Cover et al ., 2011; Kubrin and Hipp, 2016).…”
Section: Literature Reviewmentioning
confidence: 99%
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“…Geographic evaluations often jointly examine bank branch and payday storefront location choices to better understand inequalities in access to consumer credit. Studies confirm that, compared to bank locations, payday lenders are more likely to locate in or near predominately Black and Latino communities and communities that have lower incomes and higher poverty rates, on average (Burkey & Simkins, 2004; Damar, 2010; Faber, 2019; Graves, 2003; Prager, 2014; Small et al, 2021). This unequal access has consequences for consumers: households with proximate access to payday lenders are more likely to use those services (Friedline & Kepple, 2017; Goodstein & Rhine, 2017), and proximate access has been shown to negatively impact social and economic well‐being (e.g., Melzer, 2018).…”
Section: Literature Reviewmentioning
confidence: 99%
“…For example, in the predatory inclusion framework, banks exclude certain consumers, and separately, payday lenders see an opportunity to target those same consumers (Charron‐Chénier, 2020). Similarly, some narrative explanations of diverging spatial patterns of banks and payday lenders posit that banks first neglect certain communities, and then payday lenders move in to those communities (e.g., Graves, 2003). Even the language used in many studies (and in policy spheres) reifies a supposed dichotomy between the institutions, with payday lenders referred to as “alternative” or “fringe” and banks as “mainstream” services.…”
Section: Literature Reviewmentioning
confidence: 99%