A manager at a "Check Into Cash" business defends his business practice as simply "charging what the market will bear." "After all," says the manager, "we don't force people to come in the door." How would you respond to this ethical defense of the payday-advance business?

Essentials Of Investments
11th Edition
ISBN:9781260013924
Author:Bodie, Zvi, Kane, Alex, MARCUS, Alan J.
Publisher:Bodie, Zvi, Kane, Alex, MARCUS, Alan J.
Chapter1: Investments: Background And Issues
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A manager at a "Check Into Cash" business defends his business practice as simply "charging what the market will bear." "After all," says the manager, "we don't force people to come in the door." How would you respond to this ethical defense of the payday-advance business?
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Payday loans are extremely short-term loans given for periods ranging between seven and thirty days to salaried personnel, with a view to help them tide over a short-term money crisis. The loan is repaid on the next pay-day from the salary along with the interest. 

Payday loans are known for the high-interest rates they charge and are hence considered as notorious.

 

 

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