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Using state level data between 1990 and 2006, I find no empirical evidence that payday lending leads to more bankruptcy filings, which casts some doubt on the debt trap argument against payday lending. I capture the intensity of the payday lending activity in a state by the number of payday lending stores. I control for restrictions on payday lenders by including into the analysis six variables that I construct that rank legislative provisions across states and across time.
Washington State University, Pullman, WA 99164 We employ a discrete-time hazard model and a Blinder-decomposition approach to explore the possibility of racial discrimination in the dismissal and retention of college football coaches by university administrations.A rich data set consisting of 81 institutionsover an 11-yearperiod(1990-2000) that contains, in addition to a coach 's race, variableson cumulative winning records, annual on-the-field improvements, and pre-/post-seasongame participationby institutionsand their coaches is employed
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