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Doku_Con_Juni05_s1_33.qxp
... keep it. 34.9% of clients of debt counselling services are unemployed, which is a significantly higher unemployment rate than in the average population. thus indebtedness leads to struc- tural ... government benefit recipients to permanent job seekers. the characteristics of actual finan- cial markets differ from those of purely competitive markets. financi- al education helps to create conditi- ons ...
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Netherlands cf USA Cons BK Reform v2.doc
... are feasible.47 despite the unitary nvvk code of conduct, practices among the various gkbs differ substantially, but from the late-1980s to the mid-1990s, gkbs were rejecting about half ... and more creditors.62 debtors' incomes had risen much more slowly than consumer debt levels, significantly reducing the percentage repayment that debtors could offer creditors. one prominent survey of files in ...
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zusammenfassung-u1-u4.qxp
... as a community affair for which the regions are competent and which may therefore be differ- ently organised according to region. facts and figures of vsz ostbelgien in 2001, 188 files ... . thus the share of unemployed persons among the clients of debt counselling ser- vices is significantly above the gene- ral population average3 . for employers, hiring overindebted persons means that they have ...
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Microsoft Word - Expert Recs and the Euro Model (Inaugural Lecture) v4 FINAL 12-10-2010.doc
... retained income allowance in the netherlands. some observers noted that debtors are allowed a significantly higher retained income in other countries, though, as discussed below, it may be that ... to overindebted individuals, though the sources and types of and funding for such counseling differ substantially from country to country.77 in southern and eastern europe, credit counseling networks ...
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