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Dissertations / Theses on the topic 'Credit unions'

Author: Grafiati
Published: 4 June 2021
Last updated: 25 July 2025

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1

Scott, Aisling M. "The Efficiency of Credit Unions." Scholarship @ Claremont, 2012. http://scholarship.claremont.edu/cmc_theses/348.

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The objective of this paper is to explain the variation in efficiency of credit unions over the past decade. This study creates an evaluation metric for credit union performance by using a nonparametric technique called data envelopment analysis (DEA). Efficiency is based on the credit unions ability to maximize the members’ benefits by providing adequate loans and savings accounts at low prices while minimizing the resources used. The sample consists of 704 credit unions from 2001 to 2010. Several environmental characteristics were found to influence efficiency. The findings demonstrate evide
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2

Quinn, Barry Patrick. "Performance of Irish credit unions." Thesis, Queen's University Belfast, 2013. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.602930.

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This thesis is an exposition of the structural fragilities of the Irish credit union Movement focusing on relative performance and ICT technology adoption. To date Irish credit unions have evolved to a transitional stage of development and still embody a strong cooperative ethos with optimal membership value at is core. The evolution of the Irish credit union industry has stalled as the economic fallout from the Irish banking crisis has highlighted poor operating practices and their development as an industry has stagnated. In Ireland regulatory inadequacies have exacerbated poor investment de
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3

Goth, P. J. "Issues in credit union corporate governance : a comparative analysis of Canadian and irish credit unions." Thesis, Queen's University Belfast, 2005. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.419436.

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4

Cuevas, Anthony Christopher. "Developing a business plan for Media Benefits Corporation: First Entertainment Credit Union's credit union service organization." CSUSB ScholarWorks, 2006. https://scholarworks.lib.csusb.edu/etd-project/2984.

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This project develops and analyzes a business plan for Media Benefits Corporation, a subsidiary of First Entertainment Credit Union. The business plan will address the recent trend to move certain services back to the credit union and make recommendations as to how Media Benefits Corporation should continue to exist. Issues concerning liability will also be addressed in the plan.
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5

Pille, Peter. "Performance analysis of Ontario credit unions." Thesis, National Library of Canada = Bibliothèque nationale du Canada, 1998. http://www.collectionscanada.ca/obj/s4/f2/dsk2/tape15/PQDD_0004/NQ33913.pdf.

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6

Sumarwan, Antonius. "How does Credit Unions’ accountability affect their performance and mission achievement? Multiple-case studies of credit unions in Indonesia." Thesis, Queensland University of Technology, 2022. https://eprints.qut.edu.au/229057/1/Antonius_Sumarwan_Thesis.pdf.

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This research investigates factors influencing accountability practices and their effects, specifically on performance and mission achievement in six Indonesian credit unions. Developing a skeletal inputs-processes-outputs framework enriched by concepts from strong structuration theory, this study employed a multiple-case study approach. Findings show that the credit unions’ accountability practices were predominantly influenced by their conjuncturally specific internal structures, with implications for credit union management’s levels of agency. Two types of accountability practices were iden
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Desrochers, Martin. "Credit unions' crisis in Colombia : causes and prevention /." Thesis, National Library of Canada = Bibliothèque nationale du Canada, 1999. http://www.collectionscanada.ca/obj/s4/f2/dsk1/tape7/PQDD_0002/MQ41888.pdf.

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8

Zuleger, Stephanie. "Identifying impediments of succession planning in credit unions." Thesis, Pepperdine University, 2016. http://pqdtopen.proquest.com/#viewpdf?dispub=10248028.

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<p> Credit unions, the cooperatives started by the people to serve the people, have experienced tremendous growth, success, and challenge since their inception in the mid-19<sup>th</sup> century. While the overall number of members and assets are growing, the physical number of credit unions is decreasing due to mergers or insolvency, keeping market share stagnant for the past 20 years. As with all organizations, succession planning is essential to ensure a future. Considering a conceptual foundation including stakeholder theory and succession planning, the purpose of this qualitative study wa
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9

Carreno, Jason. "The Implications of Employee Turnover on Credit Unions." ScholarWorks, 2016. https://scholarworks.waldenu.edu/dissertations/2526.

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A lack of managerial responses to employee needs contributes to an increased rate of employee turnover in credit unions. Some managers do not possess the skills and strategies necessary to reduce employee turnover. This case study explored what strategies managers used to successfully reduce employee turnover. The population for this study was managers of a financial institution in Northeast Kansas with at least 1 year of leadership experience using methods to reduce employee turnover. Theory X and theory Y theory was the conceptual framework for this study. Data collection included semistruct
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10

Bickerstaffe, Tim George. "The significance of the common bond in credit unions." Thesis, University of Leeds, 2001. http://etheses.whiterose.ac.uk/178/.

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Thet hesis seeks to reveal and explain the nature of the affective relations encapsulated within the 'common bond' definition of historical and contemporary examples of credit unions. In doing so, it is argued that a credit union is best understood as an 'elective association'. The reality-congruence of 'elective association' as a distinct sociological concept is explored,in relation to: i) the ambiguity surrounding the concept of 'community' in contemporary sociology; and ii) the concept's usefulness in enabling researchers to account for different forms of elective association and, crucially
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11

Ward, A. M. "Essays on the development of United Kingdom credit unions." Thesis, Queen's University Belfast, 2005. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.426914.

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12

Ekpinda, Niamien Eric. "Three essays on credit unions : capital, liquidity and lending." Doctoral thesis, Université Laval, 2020. http://hdl.handle.net/20.500.11794/67311.

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Cette thèse étudie différentes questions en lien avec la régulation des coopératives de crédit (CC, credit unions en anglais), et plus particulièrement les régulations de capital et de liquidité. Elle comprend trois essais. Les données utilisées proviennent essentiellement du National Credit Union Administration (NCUA) des États-Unis. Dans le premier essai, nous étudions l’effet du capital sur les activités de prêt des CC en utilisant les régressions quantiles. Nous trouvons que la croissance des prêts des CC diminue à mesure que leur ratio de capital augmente, et cela pour les 60 premiers cen
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13

Martinez, John Brett. "Credit card credit scoring and risk based lending at XYZ Credit Union." CSUSB ScholarWorks, 2000. https://scholarworks.lib.csusb.edu/etd-project/1752.

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14

Hainsworth, Marie. "Participatory training methods in rural credit unions in the Gambia." Thesis, University of Birmingham, 2003. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.396531.

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15

McLaughlin, Rory William Gerard. "Credit unions in Northern Ireland : a historical and social analysis." Thesis, University of Ulster, 2003. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.288546.

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16

Kleanthous, Akis Steliou. "Co-operatives, credit unions and principles : a post 2008 critique." Thesis, University of Glasgow, 2017. http://theses.gla.ac.uk/8294/.

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This thesis examines the adherence of credit unions to their co-operative principles. Noting the financial crisis of 2008 and the calls for change to a more ethical, transparent and fairer financial industry co-operatives appear to be a plausible way forward. The analysis of the corporate governance of co-operatives indicates that they are founded on co-operative principles, the cornerstone being the active participation by its members. The study of the previous literature demonstrates instances where co-operatives did not adhere to their principles as well as instances where members were not
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17

Leake, Stacie. "Sales incentive program design and compensation." CSUSB ScholarWorks, 2000. https://scholarworks.lib.csusb.edu/etd-project/1707.

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"This project provides a blueprint that will allow Arrowhead Credit Union to clarify and confirm the new sales accountabilities associated with sales jobs within the organization, and to design and implement compensation plans that are successful and aligned with the company's objectives."
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18

Grbin, David R. "An empirical investigation into scale economies in South Australian credit unions /." Title page, contents and introduction only, 1985. http://web4.library.adelaide.edu.au/theses/09EC/09ecg785.pdf.

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19

Stevens, Rebecca. "Mortgage lending by limited-income credit unions : community development or not?" Thesis, Massachusetts Institute of Technology, 1987. http://hdl.handle.net/1721.1/14965.

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Thesis (M.C.P.)--Massachusetts Institute of Technology, Dept. of Urban Studies and Planning, 1987.<br>Title as it appeared in the Massachusetts Institute of Technology Graduate List, June 1987: Mortgage lending by credit unions in low-income neighborhoods: patterns and implications.<br>Bibliography: leaves 39-40.<br>by Rebecca Stevens.<br>M.C.P.
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20

Love, Angela K. "Strategies to Reduce Employee Stress to Enhance Productivity in Credit Unions." ScholarWorks, 2019. https://scholarworks.waldenu.edu/dissertations/7819.

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Some credit union leaders experience a reduction in productivity when employee stress is significant in the workplace. Credit union leaders noted employee stress increases costs and decreaseproductivity. This study might be important for business leaders seeking to reduce employee stress to enhance productivity. The purpose of this multiple case study was to explore strategies credit union leaders use to reduce employee stress to enhance productivity. The population comprised of 11 credit union leaders in western and midwestern states in the United States who have implemented successful strate
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21

Taylor, Avram George. "Working class credit on Tyneside since 1918." Thesis, Durham University, 1996. http://etheses.dur.ac.uk/1572/.

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22

Eberle, Margaret Patricia. "Credit union participation in community based economic development." Thesis, University of British Columbia, 1987. http://hdl.handle.net/2429/26809.

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Local B.C. communities facing hardship in the context of global restructuring and reduced demand for primary resource commodities, have increasingly turned to community based economic development (CBED) to strengthen their local economies. These community based strategies differ from place to place but essentially aim to expand the local economy through socially and culturally desirable development, utilizing local resources, and under some form of local control. However there are numerous obstacles to undertaking CBED, one of which is a lack of financing. Credit unions are community based fin
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23

Plackett, Lydia J. "The development of British Credit Unions : 'from the margins to the mainstream'." Thesis, University of Leicester, 2003. http://hdl.handle.net/2381/4465.

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The study investigates the reasons why British credit unions failed to achieve the levels of success enjoyed by similar organisations in other countries. Despite recent growth in membership to approximately 300,000 in 2001, a growth of 17% during the year 1999/01, credit union membership as a percentage of the total population is disappointingly low at 0.4%. Internationally credit unions have a much larger share of the financial services market. Jones (1999) argues that British credit unions' lack of impact can be attributed directly to the approach taken to their development - particularly th
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24

Hannafin, K. M. G. "An economic evaluation of credit unions and their development : theory and evidence." Thesis, Queen's University Belfast, 2006. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.431601.

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25

Toews, Bruce J. "Differences in Financial Performance and Risk Tolerance at Faith-Based Credit Unions." ScholarWorks, 2015. https://scholarworks.waldenu.edu/dissertations/1805.

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In the United States, faith-based and other small credit unions are vanishing at the rate of nearly a credit union each workday. The purpose of this causal-comparative study was to provide managers of faith-based credit unions with information about differences in financial performance and risk tolerance between faith-based and non-faith-based credit unions in order to improve their investment strategy and long-term sustainability. The study included a comparison of ratios measuring the financial performance and risk tolerance of randomly selected faith-based credit unions in the United States
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26

Edwards, Minetta. "Using Marketing Strategies to Advance Millennial Prospects at Credit Unions in Jamaica." ScholarWorks, 2018. https://scholarworks.waldenu.edu/dissertations/5003.

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Content of marketing strategies not only appeals to consumers based on their demographics and identity but consumers can also respond more positively to marketing strategies that target their purchasing behaviors. The purpose of this qualitative multiple case study was to explore how financial advisors at credit unions in Jamaica are using marketing strategies to advance millennial prospects, in an environment where consumers recognize commercial banks as the dominant institution in the financial industry. The conceptual framework for this study was the sustainability theory, with a direct foc
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27

Shbaita, Maher. "Relationship Between Regulatory Compliance Cost, Operation Cost, and Profitability of Credit Unions." ScholarWorks, 2019. https://scholarworks.waldenu.edu/dissertations/7840.

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The decline in the profitability of credit unions with less than $10 million in assets harms the number of small credit unions available to serve local communities. Grounded in the financial intermediation theory, the purpose of this quantitative correlational study was to examine the relationship between regulatory compliance costs, operation costs, and profitability. The population of this study consisted of federally insured credit unions with less than $10 million in assets and located in the state of Texas. Archival data from the National Credit Union Administration database were collecte
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28

Benjamin, Anne Louise. "Service delivery network strategy for Arrowhead Credit Union." CSUSB ScholarWorks, 2003. https://scholarworks.lib.csusb.edu/etd-project/2170.

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Based on research into the area of financial service delivery it has become obvious that convenience and simplicity are the keys to success in the future as far as delivering financial services to consumers. This thesis discusses how this convenience and simplicity will be accomplished. It also covers the changes that need to be made and the financial impact on the institutions.
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Grafsky, Ann. "Branch alternatives model." CSUSB ScholarWorks, 2000. https://scholarworks.lib.csusb.edu/etd-project/1635.

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30

Gustaitytė, Judita. "Kredito unijos Lietuvos finansinėje sistemoje." Master's thesis, Lithuanian Academic Libraries Network (LABT), 2014. http://vddb.library.lt/obj/LT-eLABa-0001:E.02~2014~D_20140722_102347-41108.

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Magistro baigiamojo darbo aktualumas ir problema atsispindi dabartinėje kredito unijų padėtyje ir jų prisiimamoje rizikoje, kai už dideles palūkanas yra pritraukiami indėliai, ženkliai didinantys šių finansinių įstaigų įsipareigojimus ir paskolų apimtis, siekiant konkuruoti su bankais. Konkurencijai su bankais taip pat įtaką daro ir neigiama žiniasklaidos informacija apie šių finansinių įtaigų veiklos neskaidrumą. Darbo tikslas – įvertinti teoriniu ir praktiniu požiūriu kredito unijų veiklą, nustatyti jų vietą finansų sistemoje. Finansinių tendencijų kredito unijose analizės metu buvo išsiaišk
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31

Vick, Sondra Kay. "Investment centers that are feasible in a credit union." CSUSB ScholarWorks, 2000. https://scholarworks.lib.csusb.edu/etd-project/1758.

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This project will identify the options available to a credit union desiring to open an office of the securities industry to provide investment products and advisory services to its member. The three options identified are becoming a branch office of an established broker/dealer, becoming an introducing broker/dealer, or purchasing an existing broker/dealer. An analysis will identify the required needs of an account executive in a computer system, client statements, and client confirmations. It will also analysis the capital requirements, the expenses of opening and running an office, fees char
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Francis-Sandy, Nadia Lisa-Adele. "Strategies for Maintaining Credit Union Profitability in Grenada." ScholarWorks, 2016. https://scholarworks.waldenu.edu/dissertations/3159.

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Nonbank financial institutions (NBFIs), of which credit unions comprise, constitute an important part of the financial sector because of their contribution to economic development, particularly in developing economies. This multiple case study explored strategies for maintaining credit union profitability against the backdrop of numerous closures in the past decade. The conceptual framework for this study was agency theory. Data were collected from 6 purposefully selected managers or directors representing individual credit unions in Grenada. Data were also collected from publicly available so
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Favalli, Ricardo Terranova. "Governança corporativa e análise do desempenho de cooperativas de crédito no Brasil." [s.n.], 2010. http://repositorio.unicamp.br/jspui/handle/REPOSIP/285954.

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Orientador: Alexandre Gori Maia<br>Dissertação (mestrado) - Universidade Estadual de Campinas, Instituto de Economia<br>Made available in DSpace on 2018-08-17T11:00:25Z (GMT). No. of bitstreams: 1 Favalli_RicardoTerranova_M.pdf: 1430436 bytes, checksum: 01ba28bd6c369722cc98587168e7c4e4 (MD5) Previous issue date: 2010<br>Resumo: A avaliação dos níveis de governança em cooperativas de crédito vem sendo objeto de análise mais criteriosa da regulação de instituições financeiras desde a constituição do "Projeto Governança Cooperativa", projeto estratégico do Banco Central do Brasil - BCB1 - que t
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Kennedy, David Alan. "The ideal asset/liability model for credit unions (with assets between $100 - $500 million)." CSUSB ScholarWorks, 2004. https://scholarworks.lib.csusb.edu/etd-project/2699.

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This project focused on developing the ideal Asset / Liability Model for credit unions with assets between one hundred million and five hundred million dollars. Ideally the model should be closely aligned with that of a successful credit union at the high end of this range. SELCO Community Credit Union of Eugene Oregon was used in creating the model.
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Bare, Michael Burnett. "Credit union service organization products and services: Implications, decisions, and strategies." CSUSB ScholarWorks, 2005. https://scholarworks.lib.csusb.edu/etd-project/2930.

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36

Hotham, John Patrick Banking &amp Finance Australian School of Business UNSW. "Management of interest rate risk in the banking book of Australian credit unions and building societies." Awarded by:University of New South Wales. Banking & Finance, 2008. http://handle.unsw.edu.au/1959.4/40810.

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The Basel Committee has released a consultative document (Basel (2003)) on the management and supervision of interest rate risk (IRR). This document outlines a standardised model to calculate a duration-based proxy for IRR in depository institution balance sheets. We utilise this methodology to define an IRR measure which we denote BIRRM (Basel Interest Rate Risk Measure). It is the change in the value of a financial institution produced by a 200 basis-point increase in interest rates at all maturities, relative to Tier I and Tier II capital. This study has three primary objectives. Firstly,
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37

Mangan, Anita. "Death of an intervention : power, identity and technology in the Irish League of Credit Unions." Thesis, Keele University, 2006. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.545753.

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38

Lee, Vivienne H. 1976. "Youth credit unions : investing in the future of our communities with the youth of today." Thesis, Massachusetts Institute of Technology, 2003. http://hdl.handle.net/1721.1/68396.

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Thesis (M.C.P.)--Massachusetts Institute of Technology, Dept. of Urban Studies and Planning, 2003.<br>Includes bibliographical references (leaves 103-105).<br>Youth credit unions have emerged in the United States as a relatively new and innovative community youth development program. It is a twist of youth development and financial literacy. The basic idea of a youth credit union is to develop financial and leadership skills of young people through youth savings accounts, financial literacy education, asset development opportunities, and professional/personal development skills. These services
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39

Touhey, Debra E. "Exploring Financial Performance Differences Between Credit Unions run by Male and Female CEOs in Florida." Thesis, Northcentral University, 2016. http://pqdtopen.proquest.com/#viewpdf?dispub=3746391.

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<p> Since Credit Unions provide low cost financial services to customers that banks do not normally target, the importance of their availability and viability is critic to everyone. Further research is necessary to predict potential trends that can be averted through the hiring process if necessary. The problem to be addressed in this study is that there seems to be a significant financial difference in credit unions in terms of loan delinquency, capital ratio, total loans to total shares, and return on investments between credit unions managed by female CEOs vs credit unions managed by male C
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Ragheb, Mohamed Ahmed Bahieg Ragheb. "Accountability in practice : issues of power and trust in Glasgow credit unions : a phronetic approach." Thesis, University of Glasgow, 2016. http://theses.gla.ac.uk/7158/.

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This research examines the effects of the changes taking place within the field of credit unions (CU) in Glasgow. It examines the ways in which competing hierarchical and social accountabilities are implicated in and affected by these changes. In recent decades policy makers in the UK have looked to credit unions to help tackle issues of poverty and social inclusion. However, credit unions in the UK have tended to disappoint in terms of their growth and stability, and there have been notable failures. Some influential parties – including local councils, HM Treasury, the Financial Services Auth
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41

Hrádelová, Jana. "Úverové a sporiteľné družstvá ako prvok moderného českého finančného systému." Master's thesis, Vysoká škola ekonomická v Praze, 2010. http://www.nusl.cz/ntk/nusl-96394.

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Credit unions, original pioneer of self-help financing idea, have become one of the functional components of modern financial sector. During their development, they went through many changes due to the political and economical conditions in Czech Republic. Among others, credit unions have also experienced period of bankruptcies and loss of public trust. However they managed to maintain their unique position as well as the features and for that they deserve our interest. The thesis focuses on the circumstances that affected the credit union sector development. The practical part addresses Fio -
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Spiro, Valerie Sue. "Strategic marketing plan for Norton Community Credit Union." CSUSB ScholarWorks, 2001. https://scholarworks.lib.csusb.edu/etd-project/2042.

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43

Lyra, Bethânia de Alencar Gama. "Determinantes da origem de cooperativas de crédito no Brasil." Universidade de São Paulo, 2011. http://www.teses.usp.br/teses/disponiveis/12/12138/tde-15122011-163810/.

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Falhas de mercado, como imperfeições informacionais e dificuldades de fazer com que os contratos sejam cumpridos, podem levar arranjos financeiros alternativos, como cooperativas de crédito, a permitir o acesso a crédito que de outra forma não seria possível. Tal vantagem depende de características locais como a confiança e informação compartilhada no município (que pode ser chamado de capital social). Esta dissertação realiza uma avaliação empírica decorrente da ideia expressa acima. Nela testa-se se o capital social - medido por variáveis como votos brancos e nulos em eleições para vereador,
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Ouedraogo, Saïdou. "Participation, coopération et développement : le cas du réseau des caisses populaires du Burkina Faso /." Thèse, Chicoutimi : Université du Québec à Chicoutimi, 1994. http://theses.uqac.ca.

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Hossain, Md Daulat. "Effect of Deregulation and Off-Balance Sheet Activities on the X-Efficiency of U.S. Credit Unions." Thesis, North Dakota State University, 2015. https://hdl.handle.net/10365/27889.

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The 1998 Credit Union Membership Access Act resulted in the active dissolution of the common bond requirement. Now credit unions are able to include more geographic area into their member base. However, over the years the total number of credit unions have been reduced, but the average size of total assets escalated severely along with the increase in total number of members. Amid the economic recession in 2002 and the financial crisis during 2008-2009, credit unions had to struggle in minimizing costs of operation to stay competitive with the commercial finance institutions. In this study, X
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Eazell, Diane Patricia. "Justification for a credit union to charter a bank." CSUSB ScholarWorks, 2000. https://scholarworks.lib.csusb.edu/etd-project/1642.

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47

Dayson, Karl Thomas. "Carpetbaggers and credit unions : a sociological study into the paradox of mutuality in the late twentieth century." Thesis, University of Salford, 2002. http://usir.salford.ac.uk/14731/.

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This thesis explores the apparent paradox of mutuality in Britain at the turn of the millennium. It contrasts the relative decline of building societies via demutualisation, against the continual governmental support for and growth of credit unions. It begins by constructing a cultural conceptualisation of mutuality, which comprises of four interrelated elements: trust, reciprocity/habit, longevity, and caution. These are formalised in an organisational model of cooperation, which seeks to explain how mutuals function in reality. Both these models are employed to assess the validity of competi
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Pinto, Pedro Jorge Fernandes. "Factors that lead physicians to initiate and maintain relationships with credit unions: a case study - Unicred Fortaleza." Universidade Federal do CearÃ, 2007. http://www.teses.ufc.br/tde_busca/arquivo.php?codArquivo=3608.

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nÃo hÃ<br>The high inflationary indices that had lasted in Brazil in the 80âs, had been damaging, for several segments of the society, benefiting few economic sectors. Among those segments that had grown in this uncommon conjuncture, the financial institutions are distinguished, companies that focused their activities in terms of keeping public founds and application from federal governmentâs papers, avoiding to carry through operations of loans and financings, preventing to run in risk. The management used to maximize profits and to prevent risks took these institutions to carry through great
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Parisoto, Solange. "Cooperativas de crédito do SICREDI/RS e o crédito rural : uma análise sobre a produção de alimentos e energias tradicionais e sustentáveis." reponame:Biblioteca Digital de Teses e Dissertações da UFRGS, 2017. http://hdl.handle.net/10183/170193.

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Considerado pela literatura moderna como um dos principais problemas da atualidade e que tende a se agravar no futuro caso não sejam revistas políticas e ações governamentais e da sociedade civil, a escassez alimentar vem ganhando espaço nas discussões da sociedade como um todo. De acordo com as projeções da ONU, para alimentar a população estimada para 2050 (algo em torno de 9,6 bilhões de pessoas) será necessário um crescimento da produção alimentar em 60%. Entretanto, para atingir tal meta há de se avaliar as restrições, como expansão de áreas destinadas à produção de alimentos, falta de es
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Brennan, Marilyn. "The changing landscape of financial services in Manitoba: a location analysis of payday lenders, banks and credit unions." Institute of Urban Studies, 2011. http://hdl.handle.net/1993/8610.

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Abstract:
The Changing Landscape of Financial Services in Manitoba: A Location Analysis of Payday Lenders, Banks and Credit Unions ABSTRACT This study traces the emergence and expansion of payday lending outlets in Winnipeg and the rural Manitoba communities of Brandon, Portage la Prairie, Thompson and Dauphin during the period 1980-2009, in order to look for shifts over time in the site location strategies of payday lenders relative to mainstream banks. Location analysis, in the context of financial exclusion theory, is used to examine the spatial void hypothesis that mainstream banks ha
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