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Topic: Moneylending

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	Moneylending - Wikipedia, the free encyclopedia
		Moneylending is a trade in which money is lent to individuals and corporations.
		The regulation of moneylenders is typically much looser than that of banks.
		Illegal moneylenders typically charge an interest of 30 percent in 10 days or 50 percent in 10 days, which is well over 1,000,000 percent per annum.
	en.wikipedia.org /wiki/Moneylending (254 words)

	loan
		"...'moneylender' includes every person whose business is that of moneylending or who carries on or advertises or announces himself or holds himself out in any way as carrying on that business..
		The giving of a number of loans to friends does not constitute the business of moneylending, unless there is a system and continuity about the transactions.The lender must show that although he engages in moneylending, he is not in the business of moneylending.
		(b) carries on business as a moneylender without holding a licence or, being licensed as a moneylender, carries on business as such in any name other than his authorised name or at any place other than his authorised address or addresses; he shall be guilty of an offence.
	www.singaporelawraffles.com /loan.htm (594 words)

	Moneylending in Ireland (Site not responding. Last check: 2007-10-08)
		Moneylending is the practice of giving cash loans or supplying goods or services that are repaid at a high level of interest over a short period of time.
		Moneylenders are required under the Consumer Credit Act to provide their customers with detailed lending agreements that show the total cost of credit and the rate of interest, plus any collection charges that may apply.
		Moneylenders are also not allowed to take an amount from the overall loan and treat is as a first repayment.
	www.oasis.gov.ie /personal_finance/moneylending_in_ireland.html (1810 words)

	Moneylending -- Facts, Info, and Encyclopedia article (Site not responding. Last check: 2007-10-08)
		It can be seen as an primitive form of (Transacting business with a bank; depositing or withdrawing funds or requesting a loan etc.) banking.
		In Japan, Moneylending Control Law requires only registration in each (The district administered by a prefect (as in France or Japan or the Roman Empire)) prefecture.
		In (A constitutional monarchy occupying the Japanese Archipelago; a world leader in electronics and automobile manufacture and ship building) Japan, as the decade-long depression lingers, banks are reluctant to spare money and regulation becomes tighter, illegal moneylending has become a (Click link for more info and facts about social issue) social issue.
	www.absoluteastronomy.com /encyclopedia/M/Mo/Moneylending.htm (278 words)

	To lend or not to lend (Site not responding. Last check: 2007-10-08)
		It is now a requirement for a moneylender to enter into an agreement with a borrower in a prescribed form which is available at www.kpkt.gov.my.
		A moneylender who does not do so will be penalised and the agreement will not be enforceable in court.
		The Act prescribes a format for the moneylending agreements, which are to be signed by all parties, attested, stamped and delivered to the borrower before the money is lent.
	www.pwc.com /Extweb/manissue.nsf/docid/2968F9064674518ACA256EEF00274799 (1076 words)

	Moneylending market mushrooms - JAMAICAOBSERVER.COM
		Like her, more borrowers are gravitating towards moneylenders because the loans require little or no collateral, and are disbursed quickly, often within three days - compared to banks, whose policies generally require persons to qualify for loans based on certain risk factors.
		Where a moneylender sues a client for defaulting on a loan, the court may examine the terms of the loan to determine whether they were excessive.
		Moneylenders who induce a loan contract by misrepresenting facts, concealment or other dishonest means, commit a criminal offence and face penalties of $100,000 and/or up to two years in prison if convicted by a resident magistrate.
	www.jamaicaobserver.com /news/html/20050416T190000-0500_78815_OBS_MONEYLENDING_MARKET_MUSHROOMS.asp (1656 words)

	Irish Financial Services Regulatory Authority : Industry : Money Lenders
		A moneylender is defined as "a person who carries on the business of moneylending or who advertises or announces himself or holds himself out in any way as carrying on that business", where moneylending means credit supplied by a moneylender to a consumer on foot of a moneylending agreement.
		A moneylender must ensure that any moneylending agreement to which he is a party shall contain in a prominent position the words "Moneylending agreement".
		Moneylenders are regulated by site visits, monitoring their advertisements, investigation of complaints from consumers or from their competitors and by the publishing of Codes of Practice setting out conduct regarding moneylending agreements.
	www.ifsra.ie /industry/in_ml.asp (508 words)

	Dáil Éireann - Volume 363 - 29 January, 1986 - Ceisteanna—Questions. Oral Answers. - Money Lending.
		First, a difficulty nearly always encountered by the Garda in investigating the recent allegations against moneylenders, and indeed on previous occasions, is that in many cases the persons making the allegations or the borrowers in question are either unable or unwilling to give information.
		In 1985 one licensed moneylender was convicted of opening for business on Good Friday and another person was prosecuted for 11 offences related to moneylending, that is, four counts of unlicensed moneylending and seven counts of assault.
		Every moneylender is required to take out an annual licence from the Revenue Commissioners in respect of which a duty of £100 is payable.
	www.oireachtas-debates.gov.ie /D/0363/D.0363.198601290007.html (3121 words)

	Moneylending (Site not responding. Last check: 2007-10-08)
		Moneylending es un comercio en el cual el dinero se presta a los individuos y a las corporaciones.
		Las compañías de préstamo de Comusmer son las que proporcionan un servicio moneylending a los consumidores individuales y a las compañías pequeñas más bien que a las corporaciones grandes.
		Desemejante de los bancos, su servicio se limita a moneylending porque los bancos son generalmente renuentes prestar el dinero a los individuos.
	www.yotor.net /wiki/es/mo/Moneylending.htm (295 words)

	Chazan review
		This growth was the result of the shift in economic activity from commerce to moneylending.
		Chapter 7 looks at how new anti-Jewish imagery and Jewish moneylending eventually influenced the temporal authorities to abandon their balanced program of protection/exploitation of the Jews for a policy of extreme exploitation and eventual expulsion.
		The uniqueness of the twelfth century is that -- based on Jewish moneylending, blasphemous abuse of Christian symbols, and the murder of Christians -- the preceived harmfulness of the Jews reached such a significant level that these stereotypes endure until modern times.
	www2.hawaii.edu /~kjolly/chazan.htm (1738 words)

	No. 24/1995: PART VIII PROVISIONS RELATING TO MONEYLENDING
		.—(1) A moneylender shall, in respect of every moneylending agreement, supply to the borrower a book or document ("repayment book") in which to record repayments made under the agreement which shall be completed and maintained by the moneylender in accordance with this section and shall be separate from the agreement.
		.—(1) A moneylender shall not make or attempt to make an agreement with a borrower who has borrowed or intends to borrow credit from that moneylender for any sum (other than a collection charge), account of costs, charges or expenses incidental to or relating to the negotiations for, or the granting of, the loan.
		.—A moneylending agreement shall be unenforceable against the borrower if it provides that the rate of charge for the credit may be increased or that any additional charge, other than legal costs, may apply in the event of a default in the payments due under the agreement.
	www.acts.ie /zza24y1995.9.html (2744 words)

	ATO Legal Database - ATO ID 2003/300 - Commercial debt forgiveness - notional value of a non-moneylending debt where ...
		The debt was not a moneylending debt as defined in subsection 245-245(1) of Schedule 2C to the ITAA 1936.
		Debtor and Creditor (a resident) did not deal with each other at arm's length in respect of the incurring of the debt and the debt was not a moneylending debt.
		Therefore the assumption of debtor solvency as outlined in paragraph 245-55(2)(a) and subparagraph 245-55(3)(a)(i) of Schedule 2C to the ITAA 1936 does not apply and the notional value of the debt is referable to the Debtor's actual capacity to pay the debt at the time it was incurred.
	law.ato.gov.au /atolaw/view.htm?docid=AID/AID2003300/00001 (534 words)

	Compass Vol. 14 #5, Fahey Article
		Throughout the Middle Ages moneylending thrived, even though the scholastic position on usury remained unchallenged and those who violated its terms--a mixed group that included many of humble station, including widows--often found themselves punished by state or ecclesiastical courts.
		The unravelling of the scholastic prohibition on usury began in the sixteenth century and was triggered by a mixture of economic and religious factors.
		In the case of moneylending, if one lent money in good conscience--without any intention to profit from misfortune--no sin was committed.
	gvanv.com /compass/arch/v1405/fahey.html (1280 words)

	Infobank Judengasse
		In addition the Jews had again expanded beyond moneylending, which included particularly pawnbroking, and were active in various forms of trade.
		Thanks to the experience the Jews had accumulated over generations in moneylending, they were particularly active in banking in the 19th century.
		Although the Jews played an important role in moneylending and banking over the centuries, their actual influence was frequently overestimated by Christians.
	www.judengasse.de /ehtml/B005.htm (257 words)

	ODCA - Consumer Query - Consumer Credit / Documents / No. 2
		The fee for the license is 1269.74 to enable the moneylender to engage in moneylending in one district court district plus 634.87 for each additional district.
		Where the amount payable under a moneylending agreement includes a collection charge, the borrower has the option of making the repayment at the moneylender's business premises in which case the collection charge will not be payable.
		Probably the main sanction which can be imposed on a moneylender who is found to be in breach of the legislation is that the agreements into which he entered may not be legally enforceable by him.
	www.odca.ie /cfmdocs/c_query/cons_credit_documents2.cfm (5148 words)

	The Kingdom - 2002/01/10: Kerry parents caught in moneylending trap
		And many parents are paying a particularly high price for their children s gifts when they face the added difficulty of striving to settle up with moneylenders in the new year.
		Sinn Fein Cllr Martin Ferris has expressed concern that families in the county are facing an uncertain new year having been caught in spiral of debt over the Christmas period.
		Calling on the government to treat the problem as matter of urgency, the Sinn Féin councillor added: "It is outrageous that moneylenders are allowed to exploit people in such a way and that they do so under licence from the state.
	archives.tcm.ie /thekingdom/2002/01/10/story4913.asp (264 words)

	Moneylending & Exploitation
		Moneylenders exploit beneficiaries of social grants by offering loans at high interest rates.
		Moneylenders are not allowed to have your payment cards and/or identity documents in their possession.
		Moneylenders can be arrested if they are caught in possession of payment cards which are used as surety for loans.
	capegateway.gov.za /xho/your_gov/3576/pubs/public_info/M/93228 (256 words)

	Limerick Leader - November 29th, 2003 - News - Fathers repent for hurting city Jews (Site not responding. Last check: 2007-10-08)
		The subject of Fr Creagh's sermon was moneylending, and he identified the main culprits as the members of the small Jewish community centred around the synagogue in Colooney Street, now Wolfe Tone Street.
		The main figures in the moneylending business in Limerick were not Jews, and Fr Creagh probably got much of his information from Christian business people who feared the Jewish peddlers as unwelcome competitors.
		What has made his denunciation infamous is the way it demonised a whole community, drawing on the worst of Christian anti-Semitic legends and twisting passages from the Gospels into a vicious tirade," a spokesperson for the Redemptorists said.
	www.limerick-leader.ie /issues/20031129/news03.html (1095 words)

	Lecture:
		Their residence in Prague was subject to the most humiliating conditions (the wearing of special dress, segregation in the ghetto, etc.).
		The only occupation that Jews were allowed to adopt was moneylending, since this was forbidden to Christians and considered dishonest.
		Following the legalization, at the end of the 15th century, of moneylending by non-Jews in Prague, the Jews of Prague lost the economic significance which they had held in the medieval city, and had to look for other occupations in commerce and crafts.
	www.etf.cuni.cz /~rehak/czechjews (5193 words)

	Justly Discredited, Capital, Trade, & Moneylending
		Aristotle's judgment of "not according to nature" (ou katà phýsin) is applied to both trade and moneylending.
		This could involve the view that these activites simply occur by custom or art, and not naturally, which would not mean there was anything really wrong with them, or that there is something adverse to human nature in them, which would be bad.
		Although philosophers like Plato did recognize that moving the goods itself adds value to them, it was very hard to shake the overall impression that traders didn't do anything essential or necessary.
	www.friesian.com /trade.htm (3809 words)

	Human Organization: Microcredit and women moneylenders: The shifting terrain of credit in rural Senegal
		The shifting terrain of local credit institutions parallels contemporary trends in rural development: state-led agricultural cooperatives, which were introduced in 1960, formerly bolstered the position of elite farmers who lent out cash and grain to poor farmers during the dry-season months of scarcity.
		This paper examines the institutional changes unraveling in rural Senegal that contribute to the rise of a new class of female moneylenders during the contemporary epoch of neoliberal reform and offers ethnographic descriptions of women's moneylending practices.
		Although only 19 percent of the women interviewed admitted outright to doing this (it is against the rules set forth by the donor agency) most women proclaimed that moneylending is the most popular way for "other women" to invest their loans.
	www.findarticles.com /p/articles/mi_qa3800/is_200204/ai_n9047413 (1241 words)

	CONSUMER CREDIT ACT, 1995 SECTION 93
		(7) A moneylender's licence shall be valid for the period of 12 months commencing on the date specified therein and shall expire at the end of that period.
		(h) in the case of an application for a second or subsequent moneylender's licence, the applicant did not engage in the business of moneylending according to the terms or conditions of the previous licence.
		(14) A notification referred to in subsection (12) or (13) shall be delivered personally or sent by pre-paid registered post to the business address of the applicant for a moneylender's licence or the holder of the moneylender's licence concerned, as the case may be.
	www.irishstatutebook.ie /ZZA24Y1995S93.html (836 words)

	KOLAM-4 : Chettiar Temples, Part 2 (Site not responding. Last check: 2007-10-08)
		The taboo on agriculture and farming further prevented the disruption of the funds of the society and helped in the forging of a distinct identity for them as moneylenders, ever since the time they took over the management of temple funds as their primary occupation.
		This amount which is exclusively the girl's used to be invested as a deposit with a Chettiar firm during the heydey of their moneylending business overseas (36).
		During the heydey of their moneylending activity, from the latter half of the nineteenth century to the first half of the twentieth century the business was conducted by paid 'agents' who were moat often men from their own community (45).
	www.uni-koeln.de /phil-fak/indologie/kolam/kolam4/indira03.html (6826 words)

	CONSUMER CREDIT ACT, 1995 (Site not responding. Last check: 2007-10-08)
		96 Prohibition on alteration or falsification of moneylender's licence.
		"moneylender" means a person who carries on the business of moneylending, or who advertises or announces himself or holds himself out in any way as carrying on that business; but does not include—
		(2) Where an agreement to which subsection (1) relates is a moneylending agreement the court may also order the Director to revoke, suspend or alter the moneylending licence of the holder concerned either immediately or as from such date as the court may decide.
	www.irishstatutebook.ie /1995_24.html (12038 words)

	Infobank Judengasse
		There were many different kinds of money in circulation in Germany as a result of its division into many small states, and one of the functions of moneychangers was to establish the relative value of these currencies and exchange them for a fee.
		Jews, who had early moved into moneylending as a major activity, were regarded as the best judges of the confused currency market.
		They were also involved in dealing in commercial bills, which had come into general use since the 16th century and were a form of credit and also a means of cashless payment.
	www.judengasse.de /ehtml/B044.htm (227 words)

	MyJewishLearning.com - History & Community: Moneylending
		General histories of the Middle Ages, and even more specialized ones such as those on medieval commerce, say two things about Jews: they were “usurers” and they engaged in the slave trade.
		Biblical law forbids taking or giving interest to “your brother” (a fellow Jew), whether money or food or “any thing.” The Talmud interpreted this very strictly, so much so that even greeting someone from whom you have borrowed, if such greeting had not previously been the custom, is forbidden.
		Originally, the medieval rabbinical attitude toward lending money on interest to Gentiles was very conservative, restricting it to scholars (not only as a means of income but because it was felt that they would be cautious about such loans and limit the interest charged) or to cases where it was absolutely necessary for livelihood.
	www.myjewishlearning.com /history_community/Medieval/MedievalSocialTO/CommerceIntro/ChrCommerce/Moneylending.htm (879 words)

	The Independent (London, England) : Britain's love affair with pawn; In a nation hungry for credit and cash, one of the ... (Site not responding. Last check: 2007-10-08)
		Start / T / The Independent (London, England) / February 25, 2004 / Britain's love affair with pawn; In a nation hungry for credit and cash, one of the oldest forms of moneylending is thriving.
		Britain's love affair with pawn; In a nation hungry for credit and cash, one of the oldest forms of moneylending is thriving.
		Read 'The Independent (London, England): Britain's love affair with pawn; In a nation hungry for credit and cash, one of the oldest forms of moneylending is thriving.
	static.highbeam.com /t/theindependentlondonengland/february252004/britainsloveaffairwithpawninanationhungryforcredit/index.html (364 words)

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