| Title |
Author |
Representing |
Date |
|
| A
Statistical Analysis Of The Impact Of The Enterprise Act 2002 On
Business Start-Ups In England And Wales
To
help with the evaluation of the
individual insolvency provisions of the Enterprise Act 2002,
a business start-ups regression model has been developed. Two
versions of this model were developed based on relationships
between levels of business start-ups and a number of predictor
variables identified from research literature. An Enterprise Act
dummy variable was also included in the model so that levels of
start-ups (post Enterprise Act) could be compared with levels the
model predicts would have occurred had the Act not been
introduced.
|
Paul Smith |
Operational
Research Unit, Strategic Policy Analysis, Department For Business,
Enterprise and Regulatory Reform (BERR) |
March 2008 |
|
|
|
|
Research
mapping exercise - final report
This research mapping exercise
was the initial stage of a project commissioned by Money Advice
Trust to develop a research strategy for the UK money advice
sector, and the exercise has identified current and recent UK
research around the broad areas of money advice and debt
solutions. Details of all the individual reports mapped are
available at http://www.moneyadvicetrust.org/content.asp?ssid=23
which will be updated annually. |
Sharon
Collard |
The
Personal Finance Research Centre at the University of Bristol |
August 2007 |
| |
|
|
|
| Bankruptcy
Courts Survey
A
pilot study questionnaire of 6 bankruptcy courts in England and
Wales. This pilot study relates to personal over-indebtedness,
with its corollary inability to pay within a reasonable time, of
both consumer debtors and entrepreneur debtors. |
John Tribe |
Centre
for Insolvency Law and Policy, Kingston Law School, Faculty of
Business and Law, Kingston University |
January
2006 |
| |
|
|
|
|
Bankruptcy
Law and Entrepreneurship
Legislators in Europe have recently sought to promote
entrepreneurship by changing the consequences of personal
bankruptcy law. At the same time, US legislators have arguably
been seeking to make it more difficult for individuals to declare
themselves bankrupt. Whilst there is an intuitive link between
bankruptcy law and willingness to take entrepreneurial risks,
little attention has been paid to the question empirically in the
international context. This paper investigates the link between
bankruptcy and entrepreneurship using data on self-employment over
13 years (1990 –2002) and 15 countries in Europe and North
America
|
John Armour and Douglas
Cumming
|
Faculty of Law and Centre
for Business Research. University of Cambridge Director,
Severino Center for Technological Entrepreneurship, Rensselaer
Polytechnic Institute
|
September 2005 |
| |
|
|
|
British
Household Indebtedness and Financial Stress
This article summarises the main results of a
survey carried out for the Bank of England in September 2004 about
household borrowing, housing wealth and attitudes to debt. The
survey was designed to provide a comprehensive, up-to-date picture
of household indebtedness. It found significant differences
between homeowners and renters: renters are more likely to have
debt problems, but their share of total household debt is small.
The vast majority of debt is owed by homeowners, few of whom (by
historical standards) show signs of having problems at present.
While 40% of total outstanding household debt is owed by those
spending more than a quarter of their gross income on servicing
their debts, the share of debt owed by those currently with debt
problems is lower than a decade ago |
Orla May, Merxe
Tudela and Garry Young |
Bank’s
MacroPrudential Risks Division |
September 2004 |
| |
|
|
|
The
Ever Increasing Circle
A pilot study of debt as an
impediment to entering employment
in
Brighton and Hastings |
Peter
Ambrose and Liz Cunningham |
Health
and Social Policy Research Centre University
of Brighton |
November 2004 |
| |
|
|
|
The
distribution of unsecured debt in the United Kingdom:
survey evidence
The
Bank of England commissioned a survey asking people about their
unsecured borrowing and whether it
is a burden to them. This article summarises the main results |
Merxe
Tudela and Garry Young of |
The
Bank’s Domestic Finance Division |
|
Consumer
Bankruptcy Law Reform in Scotland, England and Wales
This paper looks at recent and
proposed reforms of personal insolvency in Scotland and England
& Wales. It outlines and assesses the legal frameworks of debt
management and relief, specifically any "gaps" and
"overlaps" in coverage. |
Donna
McKenzie Skene - Senior Lecturer University of Aberdeen
Professor Adrian Walters -
Nottingham Trent University |
|
July 2006 |
