We document that not all individuals who pay penalty fees on their credit cards (e.g. for not paying the minimum monthly payment, or for exceeding their credit limit) do so because they don’t have enough money. In fact, a sizable proportion of those who incur credit card penalty fees do have enough money in their deposit accounts, and so could have avoided those penalties. In other words these ...

Law Number 23 of 2014 concerning Regional Government has given authority to City Governments carry out government affairs in the trade sector, namely implementation calibration, re-analysis, and supervision legal metrology sub-affairs field consumer protection.As an autonomous region, Tanjungpinang order be able run its must supported by sources regional income, one which is Retribution origina...

The charging of school user fees is a much-debated policy issue in developing countries. In this paper, I evaluate the impact of a South African fee elimination program that was targeted at the poorest two quintiles of schools based on a community poverty score. Fixed effects estimates find that the program increased enrollment by almost 2% in treated secondary schools, an increase concentrated...

FINAL REGISTRATION. The payment due date for Spring 2013 is expected to be in early January 2013. Official Course Schedules will be emailed on or about January 22, 2013. Schedules will be released only if all college fees and charges are paid. Students with unpaid fees, charges, etc., must make satisfactory financial arrangements with the Controller’s Office in order to receive their class sche...

Although established money managers operate in an environment which seems competitive, they also seem to be very profitable. The present value of the expected future profits from managing a collection of funds is equal to the value of the assets under management multiplied by the profit margin, assuming that the managed funds will remain in business forever, and that there will be zero asset fl...

Health care provision in Ireland has developed into a complex mixture of public and private provision. The extent of fee paying within the system and strong differentiation between public and private patients has led many to question the degree to which the delivery of health care across those with different financial means is equitable. This paper analyses the extent of equity of health servic...