Search results for: buyers-and-borrowers

Buyers and Borrowers

Author : Charles D Emery
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Learn a practical new approach to some long-standing and significant problems that librarians are continually called upon to address, such as: Is the library reaching its target audience? What do shifts in use patterns reflect? How often can users be expected to visit the library on the average? Can users be identified by category by the way they use the library? Author Charles D. Emery takes a close look at some methods which can be used to answer these questions accurately. Using the analogy of repeat buying, which has been shown to follow consistent and regular patterns across a wide range of consumers, brands, products, time periods, and other conditions, Mr. Emery applies the same concepts of research to the investigation and analysis of library use. There are remarkable similarities between library borrowing and consumer purchasing patterns. Thus, not only does the consumer purchasing model provide us with a means of investigating and predicting library user behavior, but it furnishes an appropriate mechanism for the more sophisticated analysis of that behavior through the application of marketing concepts such as product mix and brand switching. By drawing the comparison between library borrowing and consumer purchasing, Mr. Emery has identified what library administrators have hitherto lacked: a readily accessible corpus of theory and practical example upon which to base a coherent and cumulative body of research into the behavior of library users. The results will be useful as input to planning and distribution of resources in matters of budgets, services hours, personnel, and programming.


Author : Marguerite Turnbull
File Size : 76.5 MB
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Author : Susan Bartlett
File Size : 31.72 MB
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Women and Literature in Britain 1700 1800

Author : Vivien Jones
File Size : 52.95 MB
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This book, first published in 2000, is an authoritative volume of new essays on women's writing and reading in the eighteenth century.


Author : Peter Usborne
File Size : 89.29 MB
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Author : Alison Leach
File Size : 85.63 MB
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Building Assets Building Credit

Author : Nicolas P. Retsinas
File Size : 38.34 MB
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Poor people spend their money living day to day. How can they accumulate wealth? In the United States, homeownership is often the answer. Homes not only provide shelter but also are assets, and thus a means to create equity. Mortgage credit becomes a crucial factor. More Americans than ever now have some access to credit. However. thanks in large part to the growth of global capital markets and greater use of "credit scores," not all homeowners have benefited equally from the opened spigots. Different terms and conditions mean that some applicants are overpaying for mortgage credit, while some are getting in over their heads. And the door is left wide open for predatory lenders. In this important new volume, accomplished analysts examine the situation, illustrate its ramifications, and recommend steps to improve it. Today, low-income Americans have more access to credit than ever before. The challenge is to increase the chances that homeownership becomes the new pathway to asset-building that everyone hopes it will be.

Australian Financial Gazette

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File Size : 43.81 MB
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Annual Report of the Federal Housing Administration

Author : United States. Federal Housing Administration
File Size : 90.88 MB
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What Everyone Should Know about Credit Before Buying Or Borrowing Again

Author : Ira U. Cobleigh
File Size : 62.94 MB
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Examines the various sources of credit and cash loans and the dangers involved in credit agreements and arrangements