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Other research has found that legalized payday lending over a period of time has reduced rates of crime (Luea).
With: Ionela Carmen Ciorobea, Ionela Amalia Marin, Ovidiu Matin, Ion Ciorobea, Adriana Ciorobea, Spiridon Ciorobea, Cristi Luea, Ed Fagan.
In fact, households receiving monetary aid spend more, on average, on housing and have higher obligation ratios, (1) which implies households may be using the funds to buy more expensive homes (Engelhardt and Mayer, 1995; Luea and Turner, 2007a; Mayer and Engelhardt, 1996).