Strumenti per il sostegno finanziario di famiglie e microimprese: il caso italiano (Policies to help financially vulnerable Italian households and micro-businesses)

Simonetta Cotterli ()

Centro Studi di Banca e Finanza (CEFIN) (Center for Studies in Banking and Finance) from Universita di Modena e Reggio Emilia, Dipartimento di Economia "Marco Biagi"

Abstract: This study aims to review and evaluate several policies enacted in the financial field to alleviate the negative consequences of the economic crisis on families and micro-businesses. Two different, yet complementary aspects of the effects of the crisis have been examined: the increased difficulty in gaining access to credit and the increased problems in meeting debt repayment obligations. Firstly the recent regulations governing micro-credit - enacted to facilitate access to credit for families and micro-businesses (the latter in light of the increasing need for self-sufficient entrepreneurial projects, as a response to increased unemployment in the job market) - are evaluated. This is followed by an examination of the efficacy of the law relating to over-indebtedness of families and micro-businesses, with particular focus on the concept of creditor-blame. This study ends with a question: could an interpretation of the new rules governing responsible credit to consumers constitute a legal right to such credit?Classification-JEL: G21, G28, I38, K35, K36

Keywords: microcredit; overindebtness; creditor blame; responsible credit (search for similar items in EconPapers)
Pages: pages 19
Date: 2016-12
New Economics Papers: this item is included in nep-ent and nep-mfd
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Citations: View citations in EconPapers (7)

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