academy of political science, proceedings, xii, … of political science, proceedings, xii, no. 2,...

Academy of Political Science, PROCEEDINGS, XII, no. 2, PART IIj INSTALLMENT PURCHASENG: ITS MERITS AND J™*«* DEMERITS: ^^^

Seligman, E.R.A.: Economic problems involved in installment selling, 583-9U*

Rovensky, J. E#j The relation of installment selling to the credit structure, $95-99 •

Clark, J# M#: Control of trade practices by competitive and other forces, 600-07

Purdy, Lawsom Installment purchasing and installment saving in relation to family welfare, pp« 608-11

Foster, W # T#: The basic meaning of the growth of installment selling, 612-18

Raskob, John, «!•: The development of installment purchasing/ pp. 619-

Digitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis

AIRES, Milan V.

INSTALMENT MATHEMATICS HANDBOOK. Nev York: Ronald Press, 1946.


M Install man t. plan

Ay red, Milan V, The economic function of the salas finance

company. (In: Jr. of the American Statistical Association, March 1938, p. 59-70)

Contains denial of the idea that installment finance has aided the depressions*


The tOM+wc bnct,»n *$ * * s a ' «

$inanc<* Company , JouAA^fl &F *V€

X*XIU Mice** /<?ZS . /


AYRES, Milan V.

"The economic fun tion of the sales finance company," JOURNAL OF THE AMERICAN STATISTICAL ASSOCIATION, Vol. 33, No. 201, March, 19^8, pp. 59-70.


M Installment plan

Ayres, Milan V. Installment c redi t in times of s t r e s s . (In:

American bankers associat ion Journal, December, 1929, p.555- )

Installment sales credi t s t ructure held "undisturbed by the recent stock market crash. Pro

posal that installment paper should be HE de e l i g ible for Federal Reserve discount. Quotes Dr. Burgess when he said the new methods of financing methods might necess i ta te modification of the Reserve act .


If Installment paper

Ayres, Milan V# Installment credit in times of stress* (In:

American bahkers association Journal, December, 1929, p.555- )

Installment sales credit structure held undis turbed by the recent stock market,crash. Proposal that installment yaper should be made eligible for Federal Reserve discount• Quotes Br» Burgess when he said the new methods of financing methods might necesitate modifications of the Reserve act*


**ci*/ «*W *<<rr?on?tc 4specH, of 9fis74lrn<r*i?

0p &US/AJ&S S

^tnrSOstri*-*- criz><{<f


BOTTS, Ralph R. and GAELOCK, Fred L.

Interest rates charged on installment purchases, ACCOUNTING REVIEW, vol. 30, October, 1955, pp. 607-616.


M Snail loana.

Boushall, Thomas C* Six b i l l i ons of instalment loans* (InsBankig

Jr*of the A.B.A*,Jan*19£8,p*£3)

Suggests tha t the banks must sooner or l a t e r consider and face the issue of monthly amortizat ion whether i t i s for financing sa les or financing individuals*


B^OWA^ B - w n * ,

Studies m Consumer- Instalment" FiViaicm<t PowiriCAt, ScigAJC£ Quf*RTEtRL¥f l /o ( . ^

re t^ipuriancc of JUfitf?^


u* Instalment plan

Clark, Fred E* An analysis of the causes and results of

hand-to-mouth buying* (ins Harvard Business Review* July, 1928* p*394-400.)


CONE, Keith G.

Vhat's wrong with instalment credit? BANKERS MONTHLY, October, 1955, pp. 13-15, 18.


COURTNEY, C# j.

Instalment credit is needed for a balanced economy, CREDIT WORLD,

December, 1946.


COX, Reavis

THE ECONOMICS OF INSTALMENT BUYING* Nev York* The Ronald Press Company, 1948.

525 pp.

Consumer credit


COX, Reavis

THE ECONOMICS OF INSTALMENT BUYING. New York; Ronald P r e s s , 1948.


COX, Reavis

THE ECONOMICS

New York,

OF INSTALLMENT BUYING.

Ronald Press , 1948.

Sales Finance companies and instalment credit


COX, Reavim and BREIER, Ralph F.

THE ECONOMIC IMPLICATIONS OF CONSUMER PLANT AND EQUIPMENT—A STUDY IN THE ECONOMICS OF INSTALMENT BUYING. Washington: National Foundation for Consumer Credit, Inc*f 1945* 71 pp.


COX, Reavis

Instalment Credit and the Consumer1 s Investment in Durable Goods, CREDIT WORLD, January, 1945.


CRICK, W?

the Keen tunics o f \ns\ah**\enr lr<?dn>><j


DAUER, Ernst A*

COMPARATIVE OPERATING EXPERIENCE OF CONSUMER INSTAIMENT FINANCING AGENCIES AND COMMERCIAL BANKS, 1929-41* ("Financial Research Program, Studies in Consiaaer Instalment Financing,11 No* 10, New York:

National Bureau of Economic Research, Inc., 1944. Pp. xviii, 221*


^.^.paratwc O p c r a ^ n ^ Perknr^ia^cc

RtfS^onc^ /9V^


DURAND, David

RISK ELEMENTS IN CONSDMER INSTALMENT FINANCING. New York: National Bureau of Economic Research, 1941.


DURAND, David

RISK ELEMENTS IN CONSUMER INSTALMENT FINANCING. "Studies in Consumer Instalment Financing," No. 8. Nev York: National Bureau of Economic Research, Inc., 1941* Pp. xx + 163.

Review: by Margaret Grobben, JOURNAL OF POLITICAL ECONOMY, LI, April, 1943, pp. 185-6.


DURAND, David

Risk elements in consumer instalment financing, ECONOMETRICA, Vol. 8, April, 1940, pp. 177-8 (abstract only).


EISNER, Reba

"Instalment Buying Gets a Brake, CONFERENCE BOARD BUSINESS RECORD,

June, 1951


FEDERAL RESERVE BULLETIN

The grovth of consumer installment credit, January, 1956.


FETEFJtL RESEEVL PULLLTIN

Consumer installment credit• September, 1954.

Pp» 6.


FEDERAL PESERVF FDLLETIN

Recent developments in instilment credit. April, 1949.

Pp. 9.


FORTUNE

C.I.T.: The Biggest Retailer of Instalment Credit, FORTUNE, September, 1947.


(msvj/ar Joicr^af or S^S/^<rS^

Wfitartf /<?3tT pp. 5 7 -


Fe>sref< "Wirt. )•

(.amorne^ credit ChaMfrs after /J?*

Weir \JOORKS4L. op. 8i/S/A/£SZ I ~ •


C o n v o k e : r "* LOrUtJOSSr f^( of - £JfiCfc«}c» J

i d n . I<135\


POSTER, V. T.

"Installment selling at 12 per cent," ATLANTIC MONTHLY,

September, 1933. Pp. 5.


FRIEDRICH, A. A.

Instalment Credit Makes Mass Production Possible , BANKING,

November, 1949.


M Interest-Hates

Froraan, Lewis A. Ahe cost of installment buying. (In; Harvard

Business Review, January 1933, p.227-236)

Discussion of the actual interest paid by installment purchasers*

Installment plan


M Installment plan

Froman, Lewis A. The cost of installment buying.* (In:Harvard

Business Review, January 1933, p#227-236.)

Discussion of the actual interest paid by installment purchasers,

Interest - Rates


GAUMITZ, William F.

Sales Finance Companies, BULLETIN OF THE ROBERT MORRIS ASSOCIATES, SUPPLEMENT,.

date? November, 1949


GRIMES, V. H.

THE STORY OF COMMERCIAL CREDIT COMPANY, 1912-1945. Baltimore, Md.: The luthor, 1946.


GRIMES, William A*

Financing automobile sales by the time-payment plan, (Prize mcrrography, Chicago Trust Company prizes for research relating to the financing of business enterprises.)

Chicago: A. V. Shaw Co., 1926. Pp. x, 116. Tablee, app. bibliog.

Larson, H.: development of time-payment plans and finance companies with emphasis on existing situation


/<?ec

^*i«»»i<« <*>s , a»ttit«st*lm*o* ScJcs


HALL, V. B.

Sales Finance Plan, BURROUGHS CLEARING HOUSE, February, 1946.


HALL, W. B.

Installment loan policies and procedure, BANKERS MAGAZINE,

May, 194-0. Pp. A


HAMM, J . E.

The English Hire-Purchase Act, 1938: A Measure to Regulate Instalment Selling* New York: Russell Sage Foundation, 1940. Pp. 59.


The kriqhsU litre - Purchase Aci J?

Hl% ; A Measure h Re^ulof* l^h/m&a

J ^ . Pp. Si.


HAMM, J. E.

THE ENGLISH HIRE-PURCHASE ACT. New York: Russ*!! Sage Foundation, 1940.


HARDT, Charles 0., Editor

COKSGMSR CREDIT AND ITS USES, by Fred H. Clarkson, Charles V. Coulter and others. For the Consumer Credit Institute of America, Inc, Nev Tort: Prentice-Hall, 1938,


HAKI^Q Hit***


HOLTHAUSEN, Duncan McC, MERRIAM, Malcolm L., and RUGENT, Rolf

THE VOLOME OF CONSUMER IHSTMMEHT CREDIT, 1929-38. Studies in Consumer Instalment -financing, Ho. 7. Hew York: Rational Bureau of Economic Research, 1940.


HOLTHAUSEN, D.M., in co l laborat ion with MERRIAM, M.L. and NUGENT, R.

THE VOLUME OF CONSUMER INSTALMENT CREDIT, 1929-38. Stud, in Consumer Instalment Financing No. 7 . New York: National Bureau of Economic

Research, 1940. Pp. x i x , 137.


The. F>nanti<J Pe>ha<t& 9 rJntUcm* $\

*f ttUn** Fet. i, I93S: . pp.n


BuArdu o£ uos/ies^ I v i e a ^ c t i ) o u / / p / ^


ILLINOIS BANKERS ASSOCIATION

laatalaent Lending Conference, Peoria, 111,, November, 1950. New York: Consolidated Reporting Co*, 1951.

Instalment Lending Conference, Springfield, 111,, September, 1951• New York: Consolidated Reporting Co., SSf *M& 1951

Instalment credit and sales financing


ILLINOIS BANKERS ASSOCIATION.

INSTALMENT LENDING CONFERENCE, eoria Illinois, November, 1950. New York: Consolidated Reporting Co., 1951.

INSTALMENT LENDING CONFERENCE, Springfield, Illinois, November, 1950. New York: Consolidated Reporting Co., 1951-


INSKEEP, ^ l l i s E.

Financing Automobile S a l e s , CREDIT AND FINANCIAL MANAGEMENT, August, 1946.


KISSELGOFF, Avram

Factors affecting the demand for consumer instalment sales credit, JOURNAL OF FINANCE, VIII, No. 1, March, 1953, PP- 70-72.


KIESELGQFF, Avram

Factors affecting the demand for consumer instalment sales credit. TECHNICAL PAPER 7* New York: National Bureau of Economic Research, 1952. Pp. ix, 70.


KISSELGOFF, Avram

Factors Affecting the Demand for Consumer Instalment Sales Credit, TECHNICAL PAPER No* 7. New York: National Bureau of Economic Research, 1952. Pp. ix , 70.


KISSELGOFF, Avram

The qualitative analysis of the demand for instalment sales credit, Proceedings of the Consumer Credit Conference, UNIVlRSITr OF ILLINOIS BULLETIN, Vol. IS, June, 1951*


LEWIS, Robert E*

Some factors in the growth of consumer credit, THE JOUBNAL OF FINANCE, Vol* XI, May, 1956, pp* 249-256.


tctmwc aspects of ir?sk/ar<r#f ^e///^

WV. /9f& ^ fy>. Lo-


obert Author File MERRICK, R. G.

THE MODERN CREDIT COMPANY* ITS PLACE IN BUSINESS FINANCING. Baltimore: Norman, Remington Co.,

1922, 81 pp.


MERRICK, Robert G.

THE MODERN CREDIT COMPAHT: ITS PLACE IN BUSINESS FINANCING* Baltimore: The NormaA, Remington Co., 1922* Tables, forms.

Larson: Brief description of formation of company which deals in accounts receivable and financing of consumers1 goods installment sales, its activities, and types of financing and functions performed. Scattered historical items and statistics. Based on interviews, correspondence, etc.

sales financing—finance Digitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis

MOSS, Milton

A study of instlment credit terms, FEDERAL RESERVE BULLETIN,

December, 194-9* 7 pp.


M Ifinty, 1. Le It.

Banks and hire purchase agreements, (In: Bankers' Magazine, London, May 1934, p. 728-737)

A discussion of l e g a l questions concerning "instalments" or "hire purchase rent", as they affect banks.

Installment plan


MORS \JalUcc P-

Ma*-* regulation of ce1$il Msftl^ir^T

^OUflAML. OF 8US//U£:SS pT- I . *

OcHfer- I9SO pp. (?J-Pf. JT : Pfo^roa <j,j<J PfbbJe^st VcL**/^


MOSS, Muton

A study of instalment credit terms, FEDERAL RESERVE BULLETIN,

December, 1949. 7 pp.


MOSS, Milton

Sales finance company operations in 1947, FEDERAL BESERVE BULLETIN,

July, 1948, pp. 781-6.


MOSS, Milton

Sales Financing Company Operations in 1947. FEDERAL RESERVE BULLETIN, July, 1948.


NATIONAL CONSUMER CREDIT CONFERENCE

Proceedings, April 3-5> 1955. Chapel Hill: University of North Carolina, School of Business Administration. 119561

97 pp.


*V>«««*o^ AW. 4

6fc£/*T ^ K £ S B/UUXE& Vol. X v / i ; AJo •


PATCH, B. W.

Instalment Credit, EDITORIAL RESEARCH REPORTS, March 30, 1948.


PHELPS, Clyde V.

FINANCING THE INSTALMENT PURCHASES OF TEE AMERICAN FAMILY. TEE MAJOR FUNCTION OF THE SALES FINANCE COMPANY. Stud, consumer credit no. 3« Baltimore: Commercial Credit Co., 1954. Pp. vii, 104.


PHELPS, Clyde V.

INSTALMENT SALES FINANCING: ITS SERVICES TO THE DEALER. Studies in Consianer Credit No. 2. Baltimore: Commercial Credit Co., 195?. Pp. vii, 96.


PHELPS, Clyde William

INSTALMENT SALES FINANCING: ITS SERVICES TO THE DEALER: AN IMPORTANT FUNCTION OF THE SALES FINANCE COMPANY. Studies in Consumer Credit, no. 2. Baltimore, Md.: Commercial Credit Company, 1953- Pp. 99.


PHELPS, Clude W.

Consumer Finance Company Charges: I and II, JOURNAL OF MARKETING, April, 1952, and July, 1952.


PHELPS, Clyde V.

Consumer Finance Company Chsirges, JOURNAL OF MARKETING, April-July, 1952.


PHELPS, Clyde ¥.

THE ROLE OF THE SALES FINANCE COMPANIES IN EIE AMERICAN ECONOMY.

Baltimore: Commercial Credit Company, 1952.


PHELPS, Clyde W.

Some trends in consumer instalment finance, SOCIAL STUDIES FOR TEACHERS AND ADMINISTRATORS,

April, 1946.


PLUMMER, ¥. C. and YOUNG, Ralph A.

SALES FINANCE COMPANIES AND THEIR CREDIT PRACTICES. Studies in Consumer Instilment Financing No. 2. New York: National Bureau of Economic Research, 1940. Pp. 321.


PLUMMER, Wilbur C and YOUNG, Ralph

SALES FINANCE COMPANIES AND THEIR CREDIT PRACTICES. "Financial Research Program of the National Bureau of Economic Researchf Studies in Consumer Instalment Financing* No. 2.

New York: National Bureau of Economic Research, 1940, Pp. xxiii • 298.


r I w r h M ^ r Vv«C

icifoce I ?h, Delphi*. ) *#td? . vof.;^JUou*ry W.a.7


The of butane or> i h c •Msia.flttusrrt- p**1", "**JF

PoUlucJ a ^ d S o c i a l S c i e n c e C / / / ^

January I <U7«


BOBBINS, V. David

CONSUMER INSTALMENT LOANS* Columbus: Ohio State University Press, 1955*


ROBBINS, W. David

DONSUMER INSTALMENT LOANS-. AN ANALYSIS OF LOANS BY PRINCIPLE TYPES OF LENDING INSTITUTIONS AND BY TYPES OP BORROWERS; ed. by Theodore N. Beokman. Columbus: Ohio State University, College of Commerce and Business Administration, Bureau of Business Research, 1955* 185 pp.

Analysis of data from consumer finance companies, instalment loan depts. of commercial banks, and credit union.


ROBBINS, W. D.

CONSUMER INSTALMENT LOANS—AN ANALYSIS OF LOANS BY PRINCIPAL TYPES OF LENDING INSTITUTIONS AND BY TYPES OF BORROWERS. Columbuss Bureau of Business Research, Ohio State University, 1955. Pp. xvii, 168.


t>4fhf*i(i*»$ t y iff****)

Ckw ftd* £W# CUfa* «)


V Roddf Francis .

The deferred payments system in the United Sta tes . (In The Economic journa l . v.36 fJune, 1926. p.204-14. )

Conclusion seems to he that there i s nothing inherent in instalment purchasing system i t s e l f l ike ly to cause a c r i s i s . But if a c redi t crisis were to take place for some other reason, system would probably aggravate s i t u a t i o n .

Instalment plan


Iff SchmalSt Carl N.

Where is installment selling headed? (In: Harvard Busineir Review, Autumn, 1938,p*85-95.)

Thus far at least the influence of installment selling on open-account business seems not to have been harmful.

Installment plan


H Installment plan

Schmalz, Carl N# Where i s instal lment se l l ing headed? ( in :

Harvard Business Review, Autumn,1958,p.85-95)

Thus far a t l e a s t the influence of i n s t a l l ment sel l ing on open-account business seems not to have been harmful.


SCHMUS, E. E.

Instalment credit and its effect on our economy, CREDIT WORLD, August, 1947 •


^/Cc p/-C5, l~ir${ Atefr c*oo./


SELIGMAN, Edvin R. A. and associates

THE ECONOMICS OF INSTILMENT SELLING: A STUDY IN CONSUMERS' CREDIT WITH SPECIAL REFERENCE TO THE AUTOMOBILE. 2 vols* New York: Harper, 1927. Pp. xii, 357; 623. Tables* charts, classifiid bibliog.

Larson: A brief history of installment selling and the methods and institutions in installment credit in the U.S. in the 19th and 20th centuries; and an examination of the nature, characteristics, and effects of installment credit, based on a series of five investigations of installment selling in various industries—the material is grouped under consumer's, dealer1s, repossession, depression, and merchandise studies—with the statistical

data, coaments, and hiatoricaL information printed as volume II.


SELIGMAN, Edwin R. A. and a s s o c i a t e s

THE ECONOMICS OF INSTALMENT SELLING, A STUDY IN CONSUMERS' CREDIT. New York: Harper & Bros . ,

1927.

Consumer Finance


M.

Seligman. 2dwin ?t# A* [Discussion of analysis of instalment selling

in Ms recent lecture in London]. (In: 2he Statist* July 23, 1927* p.143. )

Instalment plan*


SfcMGM/»A> £.R/J • i

• " — — — • — — " • *

vols.i~ . iq*7.


SHAY, Robert

Postwar developments in the market for consumer instalment credit, THE JOUBNAL OF FINANCE, Vol. XI, May, 1956, pp. 229-248.


SHIFPEE, I. E«

Finance company functions in relation to banking, BANKERS MAGAZINE,

January, 1929.


SMITH, Pa£L F,

Extensions and repayments of consumer i n s t a l ment credit, FEDERAL RESERVE BULLETIN, Vol, 40, Jen, 1954, pp. 9-22,

consumer credit outstanding—extensions and repayments of consumer i n s t a l ment credit


SMITH, P* F.

Extensions and repayments of consumer instalment credit, FEDERAL RESERVE BULLETIN,

January, 1954. 14 pp.


WAASDIJK, T. Van

HIRE PURCHASE CREDIT IN SOUTH AFRICA. Johannesburg: Witwatersrand University-Press, (Jan.) 1956.


WARD, G. J .

Instalment buying and i t s u s e s , JOURNAL OF HOME ECONOMICS,

March, 1950.


WEBSTER, P. M.

Changes in instalment credit terms, FEDERAL RESERVE BULLETIN, May, 1952.


M Weiss, Julian D.

Installment selling: a critical view* (In: Harvard Business Review, Autumn,1938,p#96-l04.)

Suggests that there is need of control to be undertaken by the industry itself. Certain trends have developed practices so hamful in their economic and social effects that they require Intelligent and penaanent correction.

Installment plan


H Installment plan

Weiaa* Julian D. Installment selling: a critical view. (In:

Harvard Business Review, ^tuinn,1958,p.96-104)

Suggests that there is need of control to be undertaken by the industry it self # Certain trends have developed practices so harmful in their economic and social effects that the require intelligent and permanent correction*


M v.F. "^i*6! Wilford L.

Install- Installment credits: what are the facts? (In ment. Credit and Financial Managementf Dec*1937,p.6-8)

Describes the new installment credit unit established in the Commerce Department to he headed by U^L Jfferrianu and the study in process of the amount and basis for all installment trans-actions*

Clipped and filed in v,f• Installment plan

Installment plan*


WRIC&T, Harold Bnerson

THE FINANCING OF AUTOMOBILE INSTALLMENT SALES. Chicago: A. V. Shav Co., 1927. Pp» i x , 86. Tabiey, fxyrms, charts, bibl iog.

Larson, H.: A description of current organization and practices in financing installment sales of automobiles. General.


WMGHT M.£

f

\ht »inane** <| *>* ^uh>*<u>&i(c InsTilmoT Sa.(cs .


YOUNG, Ralph A. and BERNSTEIN, Blanche

The Statistical Pattern of Installment i"ebt, National Bureau of Economic Research, BULLETIN 76-77, October 15, 1939.


academy of political science, proceedings, xii, … of political science, proceedings, xii, no. 2,...

Documents