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Um agiota é uma pessoa que oferece empréstimos a taxas de juros extremamente altas, tem termos estritos de cobrança em caso de falha e geralmente opera fora de autoridade local.[1] O termo agiotagem geralmente designa formas de usura ilegais, mas empréstimos predatórios com taxas de juros extremamente altas, como o crédito consignado ou title loans às vezes são consideradas agiotagem.[2][3][4][5][6][7]
Uma consequência não intencional das iniciativas de redução da pobreza pode ser que os agiotas tomam empréstimos de credores formais e emprestam para os pobres.[8]
- ↑ «Loan Shark». Investopedia. Consultado em 6 de abril de 2018
- ↑ Murray-West, Rosie (7 de dezembro de 2011). «Payday loans: legal loan-sharking or a better bet than the banks?». The Telegraph. Consultado em 6 de abril de 2018
- ↑ Mayer, Robert. Quick Cash: The Story of the Loan Shark. [S.l.]: Northern Illinois University Press.
Loan sharks may conjure up an image of tough guys in fedoras looking to make a profit off of desperate people in dire financial straits, but in reality, lenders who advance small sums of cash at high interest rates until payday existed long before organized crime entered the trade. Today the businesses that fill this niche in the credit market prefer the name 'payday lenders' rather than loan sharks, but most large cities are still a hotbed of usurious lending, and the landscapes are dotted with their inviting and brightly colored storefronts. Despite their more respectable name, these predatory lenders have endured through regulation, prohibition, and the rise and fall of the mob since the late 1800s
- ↑ Binns, Daniel (14 de fevereiro de 2012). «Walthamstow: MP shocked by 'legal loan shark' school involvement». Newsquest. East London & West Essex Guardian. Consultado em 6 de abril de 2018
- ↑ Contemporary Financial Intermediation, Stuart I. Greenbaum and Anjan V. Thakor, Academic Press, 2007, page 75, ISBN 9780080476810.
- ↑ When Payday Loans Go Wrong, Steve Perry, Pneuma Springs Publishing, 2011, ISBN 9781782281702.
- ↑ Loan Sharks: The Rise and Rise of Payday Lending, Carl Packman, Searching Finance, 2012, ISBN 978-1907720543.
- ↑ Arp, Frithjof; Ardisa, Alvin; Ardisa, Alviani (2017). «Microfinance for poverty alleviation: Do transnational initiatives overlook fundamental questions of competition and intermediation?». United Nations Conference on Trade and Development. Transnational Corporations. 24 (3): 103–117. doi:10.18356/10695889-en. UNCTAD/DIAE/IA/2017D4A8