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Rev. 671 (2016). http:// www .californialawreview .org/ wp -content/ uploads/ 2016/ 06/ 2Barocas -Selbst .pdf. 137 Steve Lohr, Big Data Underwriting for Payday Loans, NY Times, January 19, 2015, https:// bits .blogs .nytimes .com/ 2015/ 01/ 19/ big -data -underwriting -for -payday -loans/ . 138 See Accountable Algorithms, at footnote 129.
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Score: 2066392.2 - https://www.itu.int/en/publica...t/files/basic-html/page55.html
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., "Big Data Underwriting for Payday Loans". The New York Times, 19 janvier 2015. Disponible à l'adresse suivante: https:// bits .blogs .nytimes com/ 2015/ 01/ 19/ big -data -underwriting -for -payday -loans/ . . 138  Voir: "Accountable Algorithms", à la note de bas de page 129.
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Score: 2026134.2 - https://www.itu.int/en/publica...F/files/basic-html/page66.html
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 Page 209 - The Digital Financial Services (DFS) Ecosystem           Basic HTML Version Table of Contents View Full Version Page 209 - The Digital Financial Services (DFS) Ecosystem P. 209 ITU-T Focus Group Digital Financial Services Ecosystem 30 million MSMEs in India, with only 1.6 million of these having received loans from financial institutions. The remainder have little to no access to formal financing. 7 Often, these businesses are started with few resources, and their earnings keep the business, their owners, and families, afloat on a day-to-day basis. (...) Without access to traditional credit, these businesses often turn to alternatives such as borrowing from friends and family, payday lenders, and shylocks. These alternatives are not universally available, are risky, and are more expensive than traditional lending. (...) Social network data can be used to help traditional and non-traditional lenders 7 “With $10M In New Funding, Lendingkart Helps Small Businesses In India Get Loans”, TechCrunch, July 2015. 8 IFC/World Bank Enterprise Survey 2006–10 and World Bank GDP 2008–10. 9 With a digital or mobile-centric model, a business’ remoteness may no longer be an impediment, so long as the business phone can connect to a cellular or WiFi network.
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Score: 1846781.6 - https://www.itu.int/en/publica.../files/basic-html/page209.html
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Nevertheless, where it can be shown that a model If an applicant’s postcode leads to a lower score and produces discriminatory results, it may be possi- rejection of their loan application despite the appli- ble that it violates laws prohibiting discrimination, cant having a healthy income, low level of indebted- although proving this may be difficult, and justifica- ness and other positive attributes, then the lender tions such as business necessity may also apply. 136 has missed an opportunity to make a profitable loan. (...) However, in a problems, payday lenders may be able to target vul- dynamic market where new models and services are nerable individuals with advertisements and offers constantly being developed with new data constant- for loans at high interest rates and charges.
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Score: 1844523.2 - https://www.itu.int/en/publica...t/files/basic-html/page29.html
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STATEMENT SUBMITTED BY CONGREGATION OF OUR LADY OF CHARITY OF THE GOOD SHEPHERD
The Good Shepherd Microfinance No Interest Loan Scheme (NILS) in Australia provides individuals and families on low incomes with access to safe, fair and affordable loans for essential goods and services. Participants recognize that repaying their loan means that those funds become available to someone else in the community — consequently, the repayment rate is consistently 95 -97%. (...) In Australia, more and more women are turning to high cost, predatory payday loans, suggesting that a growing number of women are being excluded from the financial mainstream.
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Score: 1796868.6 - https://daccess-ods.un.org/acc...en&DS=E/CN.5/2017/NGO/9&Lang=E
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Furthermore, low-income students who do go on to attain college and professional degrees often spend exorbitant amounts of their income paying off tuition and school related debts. Payday Lending: Payday and auto title loans are aggressively marketed to people of color and low- income communities, directly contributing to the deepening racial wealth gap in our nation. Not only do payday loans fail to use sound underwriting practices, but they lead cash-strapped consumers who are unable to repay to borrow again at extraordinarily high rates. (...) Increased regulatory oversight and enforcement of payday lenders is needed. Housing: Homeownership has long been regarded as a primary mechanism for building long-term familial wealth in the United States.
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Score: 1777736.3 - https://www.ohchr.org/sites/de...SA/LeadershipConferenceCPR.pdf
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The ACLU found arrest warrants being issued in nearly every kind of consumer debt or loan – medical bills; federal and private student loans; rent payments and unpaid homeowners’ association fees; mortgage foreclosure deficiencies; unpaid heating repair bills, unpaid utilities bills, and balances owed on furniture purchases made on credit; auto loans, car repair bills, auto insurance subrogation claims, and fuel bills; high-interest payday loans and car title loans2; small-business commercial loans and equipment financing; credit card debts; gym fees; revolving debt accounts at retail stores; daycare center fees; online education courses from for- profit colleges, and school textbook fees. (...) Some were subsisting solely on Social Security, 2 Car title loans – sometimes also called car title pawns – are predatory short-term loans issued to cash-strapped borrowers who offer the titles of their vehicles as collateral, and they usually carry high interest rates in the triple digits. When consumers are unable to repay the loans, they lose their cars, often their biggest or sole asset. unemployment insurance, disability benefits, or veterans’ benefits—income that is legally protected from outstanding debt judgments.
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Score: 1554011.2 - https://www.ohchr.org/sites/de...ebt/ReportPrivateDebt/ACLU.pdf
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It is particularly true in the case of consumer debt, which covers mortgage debts, auto loans, payday loans and credit card debts. While borrowing is the most conventional path to debt, people facing emergencies, income shocks, or a persistent inability to make ends meet can also incur expenses that push them into debt without taking out a loan as in the case of unpaid bills. (...) In fact, low-income children have difficulty financing their university education and are more prone to get into student loan when they become young adults, so continuing a downward spiral of debt.
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Score: 1520130.5 - https://www.ohchr.org/sites/de.../ReportPrivateDebt/FIBGAR.docx
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DRAFT LIST OF ISSUES TO BE TAKEN UP IN CONNECTION WITH THE CONSIDERATION OF THE 5TH PERIODIC REPORT OF THE DOMINICAN REPUBLIC (CCPR/C/DOM/5) : HUMAN RIGHTS COMMITTEE, 101ST SESSION, NEW YORK, 14 MARCH-1 APRIL 2011
The policy implemented by the Directorate-General of Migration under which it does not carry out any repatriations on Fridays, the traditional payday, was intended to protect the labour rights of Haitian workers and Dominican workers of Haitian descent.
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Score: 1316346.8 - daccess-ods.un.org/acce...?open&DS=CCPR/C/DOM/Q/5&Lang=E
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Factories paying cash wages and their workers are more vulnerable to robbery around payday and spend more time paying and receiving wages. (...) This is important since most workers who receive digital wage payments cash out the full amount on payday. Identified reasons include low wages, high fees in case of multiple cash withdrawals and limited opportunities to make payments digitally, as less than one in ten workers make payments digitally.
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Score: 1298237.2 - https://www.ilo.org/empent/are...WCMS_840844/lang--en/index.htm
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