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In 1577, a petty pawnbroker named Ester lost a clasp belonging to a Prague noblewoman, Lady Juliana the Fifth. Having been traded repeatedly between anonymous pawnbrokers, the clasp was eventually tracked down in the Polish city of Poznań, by which time Ester had already fled Prague and taken refuge in Cracow. In this essay, I use the subsequent criminal court case to explore this illuminating episode in the history of the city's Jewish Quarter. Taking place in the late Renaissance, during what has often been referred to as the Jewish “Golden Age,” I argue that this dramatic event provides access to the realities of an era often characterized as harmonious. I position pawnbroking as an industry that invited intimate and regular cross-confessional contact, and one that therefore offers up new opportunities to consider the nature of coexistence. By following the movement of both Ester and the pawned clasp from Prague to Poland, I also show how attention to pawnbroking can illuminate a constellation of transregional connections that stretched from Bohemia to the Polish-Lithuanian Commonwealth to its east, revealing the otherwise unrecorded ways in which Prague's Jews were connected to the Ashkenazi diaspora.

The issuance of Law Number 5 of 1960 concerning Basic Regulations on Agrarian Principles on September 24, 1960, then abolished the old agrarian law. The purpose of this study is to analyze the implementation of land pawns in the Ubung village, Jonggat sub-district and find out the inhibiting factors of the implementation of agricultural land pawns in Ubung Village, Jonggat District, Central Lombok Regency, West Nusa Tenggara based on Law No. 56 Prp of 1960. The method in this study is Empirical research methods and problem approaches using legal sociology. The results showed that the agricultural land pawn given by the pawnbroker and the pawn recipient was not in accordance with the law. Agricultural pawn in the community of Ubung Village, Jonggat Subdistrict, Central Lombok Regency is not in line with the agricultural land pawning regulated in Law Number 56 Prp of 1960. Factors that inhibit the implementation of agricultural pawn in Ubung Village, Jonggat Subdistrict, Central Lombok Regency NTB based on article 7 paragraph (1) and paragraph (2) of Law Number 56 Prp of 1960 ineffective are a) there has been no socialization of Law Number 56 prp of 1960 governing the problem of pawning agricultural land in Ubung Village, Jonggat District, Central Lombok Regency, NTB from the authorities. b) The culture of Ubung Village, Jonggat Subdistrict, Central Lombok Regency, NTB, which considers the provisions of Law Number 56 prp of 1960 to be incompatible with the customs contained in their environment.

The problems raised here include: the first is the procedure for binding collateral to PT Pegadaian (Persero) which object does not belong to the pawner. The second is about how the auction will be carried out at the execution of a pawn to PT Pegadaian (Persero) against a collateral object that does not belong to the pawner. The third is about how the legal protection against the owner of pawn collateral object in the implementation of an auction of pawn execution. This study applies an empirical juridical method with the nature of descriptive analysis. It utilizes primary data and secondary data. The results of the study showed that the provisions of Article 1152 of the Civil Code provide the possibility that the object pawned for collateral for debt do not have to be movable property of private property, but can also be movable property belonging to others. The procedure for binding collateral object that does not belong to the pawner is the same as binding the collateral object legally as evidenced by a Loan Proof Letter. Thus, everyone who comes to PT Pegadaian with the aim of borrowing money must carry collateral items by attaching a Personal Identity Card. The auction will continue when the pawner defaults on the agreement in accordance with the provisions in the Loan Proof Letter. Legal protection, for the auction of a pawn object, for the owner of a pawn collateral object is actually given by law; i.e. if it is proven that the pawnbroker receives a pawn in bad intention, the pawnbroker party is obliged to return the pawned obejct to the real owner. In the settlement of this case, the claim from the owner of the actual collateral object to PT Pegadaian was not granted because the real owner did not receive legal protection.

Jurgen, a comedy of justice, by James Branch Cabell is one of the most classical pieces of American fantastic literature and has inspired many writers, especially Terry Pratchett, that follows the idea of parodying medieval-inspired countries with a touch of magic, displayed mostly for laughs. Jurgen tells the story of a pawnbroker/poet that one day makes the Devil a favour and the Devil, grateful, grants him for a period of one year the possibility of returning to his youthful self to enjoy life and have love adventures. In the fantasy-medieval land where he lives, the Arthurian legend is real, and he will encounter the great characters such as Guinevere or Anaitis, the Lady of the Lake and have love affairs with every single one of them. But, at the end of this period, he returns home with some material for his poetry and to the normal life of a miserable married man.

"Not by bread only"? Common right, parish relief and endowed charity in a forest economy, 1600-1800, Steve Hindle the economy of makeshifts and the poor law - a game of chance? Margaret Hanly "Agents in their own concerns"? Charity and the economy of makeshifts in 18th-century Britain, Sarah Lloyd crime, criminal networks and the survival strategies of the poor in early 18th-century London, Heather Shore pawnbroking and the survival strategies of the urban poor in 1770s York, Alannah Tomkins kinship, poor relief and the welfare process in early modern England, Sam Barrett making the most of opportunity - the economy of makeshifts in the early modern north, Steve King.

PurposeIndian Bank, a major commercial bank in South India, has launched Rural Credit Franchisee (RCF) model for lending money to small borrowers in villages. The study aims to study the business model, the profile of ultimate borrowers and their credit requirements and to study the economics of the model.Design/methodology/approachData used for the study are mostly primary in nature collected from the RCFs and the rural borrowers. In addition, bank officials were interviewed and also data on loan accounts of RCFs were collected from the sample bank branches and the RCFs.FindingsThe RCF scheme is a novel micro finance scheme and it has showcased that the informal institutions can be linked with the formal credit institutions. The scheme has benefited all the stakeholders including the bank, the RCFs and the rural poor.Research limitations/implicationsThe study has covered majority of the RCFs of the bank in terms of number and volume of business under the scheme and hence the results indicate the performance of the entire portfolio of the bank under the scheme.Practical implicationsThe study finds that the scheme has benefited all the stakeholders. It has particularly helped in creating competition amongst the rural moneylenders and thereby bringing down the cost of credit in rural hinterlands. Findings are strongly in favour of expanding/replicating the model by the other commercial banks and in all parts of the country, rather across the entire world.Originality/valueThe RCF model is one of its kind and the policy makers and regulators may encourage the scheme in order to attain inclusive economic growth. This is a first of its kind study investigating the operation of such a model.

Continental pawnbroking institutions, Monts-de-Piété, were introduced in Ireland in the 1830s and 1840s but did not establish a permanent status. Irish social reformers believed that a Mont-de-Piété system would reduce the cost of borrowing for the poor and also fund a social welfare network, thus negating the need for an Irish Poor Law. This article explores the introduction of the Mont-de-Piété charitable pawnbroker in Ireland and outlines some reasons for its failure. It uses the market incumbents, private pawnbrokers, as a base group in a comparative study and asks why the Monts-de-Piété were the unsuccessful ones of the two. The article finds that the public nature and monopoly status of Monts-de-Piété on the Continent realised economies of scale and gave preferential interest rates on capital, as well as enabling the Mont-de-Piété loan book to be cross-subsidised. These conditions were not replicated in Ireland, hence the failure of the Monts-de-Piété there.

In Hock: Pazvning in America from Independence through the Great Depression. By Wendy Woloson. (Chicago: University of Chicago Press, 2010. Pp. 233. Cloth, $35.00.)Reviewed by Jane KamenskyWe are all in hock now, Wendy Woloson points out in the final chapter of this deeply researched and lucidly written study of pawnbrokerage in nineteenth- and early twentieth-century America. Having feasted for decades on credit-card debt - "pawning's mirror opposite" (182) - many Americans now find themselves in famine, pawning consumer goods bought dear with plastic for a little cash loaned at equally high interest rates. Long on the downswing, pawning is making a comeback: The number of pawnshops in the United States has nearly doubled since 1988. Surely the time is ripe for Woloson's probing history of the pawnshop seen from both sides of the counter and many other angles of vision as well. Using an enormous variety of evidence, including business records, personal documents, trade cards, satiric prints, sheet music, dime novels, penny papers, and much more, In Hock redeems pawnbrokerage from stereotypes that have haunted the trade since its inception. Woloson reveals instead a vibrant and complex facet of the emerging industrial economy in cities ranging from Boston to Birmingham to Leadville, Colorado. At its best, Woloson's study makes a worthy companion to Stephen Mihm's A Nation of Counterfeiters: Capitalists, Con Men, and the Making of the United States (Cambridge, MA, 2007), Seth Rockman's Scraping By: Wage Labor, Slavery, and Survival in Early Baltimore (Baltimore, 2010; reviewed earlier in this issue), and other recent books probing the murky interstices of early American capitalism.Woloson opens In Hock with a visit to her neighborhood pawnshop, the bright and cheerful McGarry's, a family business serving Philadelphians for two generations. "The place is neat and clean," she writes, "the atmosphere relaxed and friendly. The radio is tuned to NPR" (1). Pawnbrokers aren't who we think they are, in other words. Bankers, rescuers, and retailers by turns, they're a far cry from the seedy lowlifes of popular imagination. Primetime stereotypes don't get the pawners right, either, Woloson discovered. She herself pawned a gold necklace for $40.00 - another $6.00 due in five months if she wants to redeem it - all in the service of explaining to her reader the basic terms of the strange trade that is her subject.The reductive stereotypes Woloson wants so badly to dispel are the subject of her second chapter. The caricature of the pawnbroker as a rapacious and marginal figure and his customers as impoverished victims is an old one, arriving in British North America in the mid eighteenth century, before pawnbrokerage itself took root. Stories and images printed in London and reprinted in the colonies beginning in the 1 760s made pawnbrokers "anathema to the emerging capitalist system" (22). Cast as greedy, irrational foreigners (often Jews), pawnbrokers were merchants gone through the looking glass: They took goods and gave money with strings attached, doubly impeding their customers' pursuits of happiness. Woloson marshals mountains of evidence on this point, and her readings of these cultural texts are nuanced and persuasive. But starting the book with a lengthy explication of the stereotypes she wishes to dispel works against her agenda. She devotes nearly a quarter of In Hock to documenting what the pawnbroker was not.Far more revealing are the tour de force middle chapters of In Hock, which offer a painstaking social history of pawning from the perspectives of brokers, clients, and police. In America as in Europe, pawnbrokers followed immigrants to cities, where new kinds of lending arose to meet the needs of newly arrived populations. …

The pawn industry in the United States grew substantially in recent years; however, there is limited research on the regulatory environment for these predominately small businesses. Our study focuses on the readability of state regulations for pawnshops. We select credit unions as a comparison group since they also service non-bank customers. Our analysis reveals that the majority of states’ pawnbroker regulations are at the college reading level while the regulations for credit unions are at the college graduate reading level. There are also geographical differences in the readability of pawnshop regulations with the regulations in the northeast region being easier to read than in the west region. However, there is no evidence that the regulations readability level corresponds to the number of pawnbrokers in a state or to more broad-based measures of state-level business friendliness.

This essay breaks the critical impasse regarding Henry James’s ambivalence toward “the Jew” in his late works, by rethinking this figure through the logic of cosmopolitan detachment, diasporic mobility, and the gift economy. It traces how social and economic exchange enacted by liminal characters produces dynamic, contingent forms of value (economic, aesthetic, social, moral), and exposes concealed links between sacred and secular economies. Specifically, James redeems the avaricious Jewish pawnbroker who, both central and marginal, best captures the position of the modern cosmopolitan writer at the nexus of capitalist and gift exchange.

In a 1782 letter, Robert Morris broke the bad news to Richard Butler, a colonel in the Continental army, that he couldn't loan him any money. "Mortifying as it is," Morris confided, because of the scarcity of cash "the Jew Brokers and others have informed me in the course of my inquiries that Sub Rosa they frequently get 5 per Cent per month from good Substantial men for the use of Money with pledges lodged for the repayment." He added that, "before the establishment of the Bank [of North America] they frequently got ten per Cent and upwards."1Yet Morris's "Substantial men" were not the only ones who found themselves in financial straits. The less economically able-whose capital rested in material possessions rather than large-scale commercial enterprises-also obtained loans by pawning goods, offering up more modest forms of capital as loan collateral. Part of the informal economy of the seventeenth and eighteenth centuries, pawning was something people resorted to when they needed cash but didn't have it, when tax bills came due or accounts had to be settled by something other than paper currency. Neighbors often offered a horse, plow, or similar piece of capital as collateral in exchange for a short-term loan. Innkeepers, who had ready cash and access to a diverse and mobile clientele traveling with all manner of personal belongings, also became de facto pawnbrokers in the eighteenth century.2While the ability to secure small, short-term cash loans by pawning personal goods was an important economic survival strategy for early Americans, it was a practice that has been largely overlooked by scholars, who have typically aimed their sights on the more visible (and legitimized) economic activities of merchants, retailers, and farmers. But pawning, which began as one among many kinds of informal (and often undocumented) transactions in the early American economy, became, by the nineteenth century, an essential way for the middling sort to obtain short-term loans.3It is tempting to describe pawning as a "marginal" activity. Certainly the pawnbroker appeared to be a marginal figure operating on the fringes of urban areas. And his customers, unconnected to the credit economies of the merchant elite and constantly living on the financial margins, needed someone like the pawnbroker. Pawning, in fact, was anything but marginal. It constituted an essential way to obtain ready cash for everyone but the privileged few, and was therefore a mainstream economic activity. The small, short-term cash loans provided by the pawnbroker supplemented laborers' insufficient wages, buttressing the industrial capitalist system within which they operated. Yet a specious distinction separating the "marginal" from the "mainstream," drawn in their own interests by the early republic's privileged and wealthy (the ones who did not want to acknowledge the inequities of the early American capitalist economy) then held sway, and continues to shape scholarly analysis.An appreciation of the shifting nature of pawning and pawnbroking in America from the late eighteenth century to the antebellum era requires an understanding of the workings of the process and the roles played by the main actors: the pawners and the pawnbrokers who participated in the transactions, and their critics, whose increasing anxiety about pawning reflected broader anxieties about the emergent capitalist system and its effects on their notions of traditional American society.The first reference to pawnbrokers in America complained that they enabled people to waste money. The Minutes of the Court of Burgomasters and Schepens, regarding Dutch settlers in 1657, documented concerns brought to the magistrates of the New Netherland colony "against the many tapsters and tavernkeepers" who profited from money that drinkers should have instead been spending on their families. Moreover, when their customers' cash was gone, the offending proprietors accepted furniture, clothing, and other goods in pawn, enabling their clientele to "obtain the means of continuing their usual drinking bouts. …

The poor and other underserved populations in developing countries have unique financial service s needs. However, there is often a mismatch between what financial institutions offer and what underserved populations need or want. This product gap may reflect a lack of interest by financial institutions in designing more target products, or a lack of willingness or capacity on the part of financial institutions to design, market and implement tailor-made financial products. The objectives of the Product Design Case Studies are to 1) develop expertise related to product design and innovation processes through a better understanding of best practices in the field, in depth research and application of behavioral economics concepts; 2) increase awareness of product design/innovation and the links between product development and financial inclusion; and 3) generate publicity and knowledge sharing around product design and innovation. While the hand loan product was broadly successful in achieving its original intent, the pilot encountered considerable institutional and execution challenges that are instructive for future product innovation efforts. The first two sections describe the problem and the innovative product designed to address it. The next section describes the final design and implementation of the product in detail. The fourth section covers post-pilot data collection and results. The final sections discuss lessons learned and planned future enhancements.

This essay examines the role of pedagogy and memory in the 1965 film adaptation of The Pawnbroker, a story of a survivor unable to mourn. I show that, in contrast to most pawnbroking films, this one transforms the pawnshop into a classroom in which the survivor attempts to give lessons in literacy, history, and values to his assistant, a Puerto Rican. Despite the pawnbroker's efforts, the lessons ultimately fail to give the assistant the cultural legitimacy that he seeks. I also suggest a number of ways The Pawnbroker works to establish its own legitimacy. First, a critical voice explicitly challenges the Europe-to-America model of transmission. Second, the film's representation of Holocaust memory emerges from an innovative synthesis of the visual ¯ashback and verbal inarticulateness. Third, The Pawnbroker self-consciously plays off the most in¯uential postwar European example of filmic memory, Hiroshima, mon amour, and points to an alternative model of coming to terms with the memory of trauma.

The well-heeled widow, Mrs Dorothea Casaubon, has respectable relatives and friends who are eager to guard her from the upstart pretensions of the bohemian Will Ladislaw. Her sister Celia quotes the local phrase-maker: "Mrs Cadwallader said you might as well marry an Italian with white mice!" (Eliot 532). Dorothea ruefully ponders this label, and still remembers it months later, when other derogatory labels are being added. " Young Ladislaw the grandson of a thieving Jew pawnbroker was a phrase which had entered emphatically into the dialogues ... at Lowick, Tipton and Freshitt, and was a worse kind of placard on poor Will ' s back than the ' Italian with white mice " (829). The annotatore of the Riverside, Penguin, Norton, and Clarendon editions of Middlemarch are all silent on this rather intriguing comparison for Will Ladislaw; and since several generations of students of Middlemarch have sought information in vain, I accept the task of explanation. I feel particularly qualified, both as a long-time admirer of the much maligned hero of Middlemarch, and as one who reared hundreds of white mice in her youth, including one who travelled with me (usually in my shirt) from Kenya to England and back. Italians have been frequently associated with white mice in Victorian England, both in fiction and history. 1111 start with the fiction. Elizabeth Gaskell's tale of Manchester life, Mary Barton (1848), features an Italian child with a pet white mouse, who together reinforce that novel ? s thesis that the most generous protectors of the poor are the other poor. Mary Barton, the working-class heroine, has much else on her mind as she hurries through the streets near her home: her impetuous course was arrested by a light touch on her arm, and turning hastily, she saw a little Italian boy, with his humble show box,?a white mouse, or some such thing. (284)

The gynaecologist Wendy Savage was driving down London’s Euston Road in 1992 when she spotted protestors fighting to save the Elizabeth Garrett Anderson Hospital. Founded in 1890 by the East End pawnbroker’s daughter who became Britain’s first woman to gain a medical qualification, the hospital treated only women and children until its closure in 2000, when services were transferred to the nearby University College Hospital. Professor Savage founded the “EGA for women” campaign. Its achievements include getting the Queen Anne-style building listed and, to …

The accompanying picture of a pawnbroker's shop and sign was taken in Boston in 1946. The sign of the three balls is a common sight in the poorer sections of many American cities, and its meaning is always the same: the balls signify that within the shop loans may be obtained on the pledge of personal property. This type of loan is centuries old: it existed in ancient Greece at the time of Pericles and in ancient Rome at the time of Augustus. Professional money-lenders, either Jews or Lombards, reappeared in the Middle Ages, and their activities elicited the opposition of the Church and the hatred of the populace. Attempts to get rid of the Jewish or Lombard pawnbrokers were repeatedly made, but the result was always the same: the need of consumers for credit accommodation was so great that the money-lenders were usually recalled after a short while.