¶ … improve or hinder the effectiveness of non-workplace-Based training programs for the American pawnbroker industry?
Overview of the Industry:
In the United States, there are two main functions of a pawnbroker. The first is making small loans, secured by personal property. The second function is the sale of merchandise.
According to the Florida Pawnbrokers Association, loans are the high profit center for pawnshops. "The retail side also generates an average of 27% of the shops revenue. The Association stated, "In 1996, the nation's 9,100 pawnshops generated $4 billion in revenue."
Pawnbrokers are regulated in the United States mostly at either the state or local area. While there is no uniformity among the regulations, laws, or ordinances, it seems most are issued licenses, required to make reports to law enforcement, and obviously prohibited from trafficking in stolen merchandise.
The amount the pawnbroker is permitted to charge as fees and interest vary, but is usually regulated. Interest rates seem to average between 2% to 21/2% per month. Loans are secured by the value of personal property. The personal property varies greatly, and includes jewelry, tools, electronics, musical instruments, photographic equipment, sports gear, bicycles, and other variable items. Pawnbrokers make loans on top quality merchandise, knowing that someday that item might be for sale on their shelves. Some pawnbrokers are permitted to trade in firearms.
The National Pawnbrokers Association said, "Between 70% and 80% of the items pawned are redeemed. Many pawnshops that cater to a repeating customer base have redemption of pledged property of over 90%.
The amount loaned is usually about 30% to 50% of the value of the item being used as security. The value is based on a worse case scenario.
When a customer of the pawnbroker defaults on a loan, the item is then sold for less than its retail value. Unlike regular retail stores, there is room for bargaining....
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