The number of applications for debt management services in the Netherlands shows a steady increase of about 10 percent each year, over the last few years. Municipalities, responsible for these services, at the same need to cut back on expenditures. Our research shows that the (social) return on debt …

Economic underdevelopment in sub-Saharan Africa has a long history. Two centuries of globalization has left sub-Saharan Africa lagging far behind in its economic development - its income is twenty five times smaller than the income of the USA, the richest economy in the world. This unfavorable situation …

As the government states that current students have a loan aversion, more students in my opinion seem to make more use of the loan services of the Informatie Beheer Groep (IBG). That was my starting point before I began this thesis. My point of view concerning student loans was that students do loan …