Alternative financial service providers and the spatial void hypothesis: the case of New Jersey and Delaware

Marvin M. Smith, Tony E. Smith and John Wackes

No 09-01, Community Affairs Discussion Paper from Federal Reserve Bank of Philadelphia

Abstract: This paper continues the use of the spatial void hypothesis methodology to analyze the location of alternative financial service providers, such as check cashing outlets and pawn shops, in New Castle County, Delaware, and Atlantic, Mercer, Monmouth, and Passaic counties in New Jersey. Also explores whether these providers are disproportionately serving minority and low-income areas.

Date: 2009
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