Bankruptcy and the market for mortgage and home improvement loans

Article Abstract:

Issues concerning the relationship between bankruptcy rates and consumers' ability to receive loans are examined, focusing on the relationship between bankruptcy exemption and available credit for home mortgages and home improvement. Topics include conclusions that chances of being denied loans increase as amount for bankruptcy exemptions rise.

United States, Commercial Banks, Economics, Research and Development in the Social Sciences and Humanities, Mortgage and Nonmortgage Loan Brokers, Consumer Mortgage Loans, Statistical Data Included, Mortgages, Credit, Bankruptcy

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Market failure in the land of Losch

Article Abstract:

Losch's model of spatial competition and firm location is reevaluated. Losch's model produces Pareto efficient outcome, regular hexagonal market areas that are just large enough for the company to earn zero profit. The current research examined the Losch model under more than one scale-economies industry, and found that in the case of a hierarchy of scale-economies industries, profit is still present and social cost is not brought down to a minimum.

Industrial locations, Industrial location

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