Can an interest-free credit center be much more efficient when compared to a payday loan that is usurious?

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JEL category:

• D14 – Microeconomics – – Domestic Behavior – – – Home Preserving; Private Finance
• G29 – Financial Economics – – Financial Institutions and solutions – – – Other
• G32 – Financial Economics – – Corporate Finance and Governance – – – funding Policy; Financial danger and danger Management; Capital and Ownership Structure; Value of Firms; Goodwill
• Z12 – Other topics that are special – Social Economics – – – Faith

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