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Ипотечные заемщики: повседневные практики восходящей мобильности
Социологический журнал. 2009. № 4. С. 104-136.
The article has been examining the ways of transformation of mortgage borrowers' everyday life as well as peculiarities of decision making under uncertainty and high risks closely related to house building and purchase dwelling. Our research is carrying out in Irkutsk since 2007. It shows that mortgage is not only "a school of financial competence". Mortgage is a mechanism of new responsibility's rising (through the person's internal motivation) and new social competence (through the recourse mobilization - personal and person's social network, self-organization and using new social practices). Thus mortgage is "a school of middle class".
Popov D., Strelnikova A., Communist and Post-Communist Studies 2019 Vol. 52 No. 3 P. 259-269
From the moment when wide spread of large scale assessments in sociology and economics began, the most commonly used indicators of peoples’ qualifications are the number of years spent in education and the possession of a high school/college/university diploma. But what if these formal indicators are unreliable under certain conditions and do not reflect actual ...
Added: September 26, 2019
Guseva Alya, Stanford : Stanford University Press, 2008
Into the Red explores the emergence of a credit card market in post-Soviet Russia during the formative period from 1988 to 2007. In her analysis, Alya Guseva locates the dynamics of market building in the social structure, specifically the creative use of social networks. Until now, network scholars have overlooked the role that networks play in ...
Added: July 14, 2017
Войскунский А. Е., Evdokimenko A., Федунина Н. Ю., Вестник Московского университета. Серия 14: Психология 2013 № 1 С. 66-83
Real-life identities may diff er from “virtual” identities presented in social networks. Many social networkers construct diverse (more than one) virtual identities, which differ by numerous parameters. Two or more identities constructed by a social networker we call alternative identities. Empirical study is based on a case developed by the Harvard Good Play Project; semi-structured ...
Added: November 13, 2013
Ozhegov E. M., Journal of European Real Estate Research 2017 Vol. 10 No. 1 P. 35-56
Purpose: This paper examines heterogeneity of preferences of mortgage borrowers of Russian state-owned supplier of residential housing mortgages.
Methodology: Analysis takes into account the underwriting process and the choice of contract terms of all loans originated from 2008 to 2012. Our dataset contains demographic and financial characteristics for all applications, loan terms and the performance information ...
Added: December 23, 2016
Kosov M., Рогова Т. М., Вестник Московского университета МВД России 2021 № 1 С. 296-305
Over the past few years, there has been a significant increase in consumer lending. As you know, at the moment all countries of the world are faced with a pandemic of COVID-19 coronavirus infection, the high contagion and speed of its spread have caused the need to introduce quarantine and self-isolation on the territory of ...
Added: September 2, 2021
Guseva A., Экономическая социология 2011 Т. 12 № 5 С. 30-53
The book “Into the Red: The Birth of the Credit Card Market in Postcommunist Russia” by Alya Guseva explores the emergence of the credit card industry in Russia and discusses the demand creation process for absolutely new product. The research is based both on the written sources and on interviews and archival data collected in ...
Added: July 14, 2017
Ozhegov E. M., / Высшая школа экономики. Series FE "Financial Economics". 2014. No. WP BRP 31/FE/2014.
This paper analyzes the mortgage borrowing process from a Russian state-owned provider of residential housing mortgages concentrating on the choice of having government insurance. This analysis takes into account the underwriting process and the choice of loan limit by the bank, the choice of contract terms and the performance of all loans issued from 2008 ...
Added: June 17, 2014
Molodyko K., В кн. : Частное право и финансовый рынок: Сборник статей. Вып. 2.: М. : Статут, 2014. С. 188-226.
We consider a new jurisprudence of the Supreme Court of Ukraine on the following issues:
- distinction of financial and non-financial services
- A unilateral change of the credit contract by the credit institution
- the jurisdiction of the courts of arbitration
-dispute about the fact of conclusion of the deposit agreement
-common-law marriage impact for a mortgage
-competition of claims ...
Added: October 22, 2014
Oberemko O. A., Istomina A., Мониторинг общественного мнения: Экономические и социальные перемены 2015 № 2 (126) С. 72-82
The article explores the social identity conceptual framework of volunteers in the context of broadly understood social activism. The research question is how active volunteers in Russia to understand the differences between the volunteer and protest participation, as argued incompatibility of the two forms of social activity. Upon thematically selected fragments from 60 semi-formalized interviews ...
Added: March 4, 2015
Dmitrieva N., Вопросы государственного и муниципального управления 2015 № 2 С. 123-146
The article reviews the results of the first monitoring of web pages of the Federal executive authorities in social networks. As the hypothesis we used a theoretical conclusion I. Mergel that official government accounts in social networks are the new channels of engagement and a tool to obtain additional knowledge from interested stakeholders.
The aim of our ...
Added: October 19, 2015
Golechkova T. Y., Shemyakina V. I., Klepko E. Y., M. : Sputnik+, 2010
This book presents a course of English for Specific Purposes devoted specifically to the widely-discussed topic Web 2.0. It covers several aspects of online communication ranging from online friendship to business interacions. The activities presented in the coursebook are aimed at developing students’ communicative competence in both written and oral discourse. Web 2.0 includes a ...
Added: March 6, 2013
Makarova E. A., В кн. : Актуальные вопросы экономических наук: сборник материалов XXV Международной научно-практической конференции: в 2-х частях. Ч. 1.: Новосибирск : НГТУ, 2012. С. 100-104.
Данная статья посвящена анализу преимуществ и рисков использования социальных сетей для построения и развития брендов, рекламы товаров и услуг, коммуникаций между компаниями и потребителями. ...
Added: January 31, 2013
Молодико К.Ю., , in : Приватне право і підприємництво. Issue 11.: Kiev : [б.и.], 2012. P. 55-62.
Рассматриваются современные подходы к потребительскому кредитованию, определяется объем потребительских правоотношений, анализируется возможность распространения особенного режима защиты прав потребителей на юридических лиц, обосновывается целесообразность максимальной унификации законодательства по кругу лиц. ...
Added: April 6, 2019
Ozhegov E. M., Прикладная эконометрика 2017 Т. 45 № 1 С. 93-115
This paper analyzes the mortgage borrowing process from a Russian state-owned supplier of residential housing mortgages concentrating on the estimation of demand function with heterogeneous borrowers’ preferences. Analysis takes into account the underwriting process and the choice of contract terms of all loans originated from 2008 to 2012. Our dataset contains demographic and financial characteristics ...
Added: December 23, 2016
Kirsanova E., Вестник арбитражной практики 2020 № 2 С. 44-48
The article examines the legal regime of accounts, attempts to classify them from the point of view of their importance for turnover and analyses judicial in handling practice on this issue. ...
Added: September 13, 2022
Popov D., Strelnikova A., Журнал исследований социальной политики 2017 Т. 15 № 2 С. 267-280
In this paper we consider the problem of inconsistency between levels of education and work in Russia. The study is based on the data from international large-scale assessments of adult competences (PIAAC), which provides us with the results of competency tests on literacy and numeracy of adults in Russia and the OECD countries. These assessment ...
Added: September 27, 2017
Lozinskaia A. M., Управление финансовыми рисками 2014 Т. 4 № 40 С. 276-284
This paper presents approaches that are used to explain mortgage defaults as a key risk management task of credit organization. In addition, advantages and disadvantages of econometric models for probability of default in the residential mortgage lending are discussed. We have shown that the probability of mortgage default modeling is connected with forecasting of borrower’s ...
Added: December 8, 2014
Andrievskaya I. K., Lvov N. P., Malkov E. S. et al., Банковское дело 2012 № 3 С. 30-33
Board published consultation document 26.10.2011, which regulates a number of principles for mortgage lending. This article provides an overview of the principles and analysis of their characteristics. This article continues the series that review the proposed regulatory measures for the banking system at the international and country levels worked out by the Basel Committee on ...
Added: September 1, 2012
Sebryuk A., США и Канада: экономика, политика, культура 2021 Т. 51 № 10 С. 113-126
The search for identity and self-identity problems have been one of the pivotal themes for Jewish American authors. Prominent writers such as Bernard Malamud, Saul Bellow and Philip Roth explore American Jewish identity and address the questions of assimilation, the hardship of immigrant life, challenges of cultural acceptance, and finding purpose in life. In particular ...
Added: October 1, 2021
Краснов Е. В., Chumakova M., Психология. Журнал Высшей школы экономики 2014 Т. 11 № 4 С. 37-55
This article presents a study of the regulatory role of emotional intelligence in decision-making in real-life situations and of the functioning of intellectual and personal potential using Emotional Anticipation Method (EAM). Expert psychologists used quality analysis techniques to develop a typology of the content characteristics of choices on a sample of military instructors (N = ...
Added: November 9, 2015
Терещенко Д. С., Финансы и бизнес 2019 Т. 15 № 4 С. 23-39
The article presents a model of behavior of consumer, choosing between two alternative ways of financing the purchase of housing: a traditional mortgage loan and a building savings cooperative. The factors that shape consumer preferences and affect its budget constraint are analyzed. The conditions under which a rational consumer will choose to join a savings ...
Added: October 23, 2019
Molodyko K., Закон 2017 № 4 С. 43-58
The author researches the European legal concept of linked credit agreements, which provides an imperative civil liability of the banks and other financial institutions for the delivery and quality of goods and services supplied by their clients. The concept is aimed at reducing such asymmetries as a lack of knowledge of the consumer about the ...
Added: May 3, 2017
Molodyko K., Банковское право 2017 № 2 С. 67-73
In this article, I research chargeback as a concept of mandatory civil liability of banks and other financial institutions for delivery supplied by their clients. In particular, in case the purchase of goods or services with the use of services of financial organisations, the latter are responsible for delivery of booked goods or services, their ...
Added: March 19, 2017