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09:30

Glazbeni program

Petak, 23-04-2021.
09:45

TV prodaja

Petak, 23-04-2021.
10:00

Dnevnik, informativna emisija (R)

Petak, 23-04-2021.
10:20

Glazbeni program

Petak, 23-04-2021.
10:45

Auto moto nautic vision, emisija o automobilizmu

Petak, 23-04-2021.
11:30

U dobroj formi, magazin (R)

Petak, 23-04-2021.
12:00

Kultura 21, magazin (R)

Petak, 23-04-2021.
12:30

Glazbeni program

Petak, 23-04-2021.
13:00

Osijek info, mozaična emisija (R)

Petak, 23-04-2021.
13:30

TV Koktel, mozaična emisija (R)

Petak, 23-04-2021.
14:30

TV prodaja

Petak, 23-04-2021.
14:55

Zdrava jabuka, sponzorirani program (R)

Petak, 23-04-2021.
15:55

Vijesti, informativna emisija

Petak, 23-04-2021.
16:00

Produženi vikend, mozaična emisija (R)

Petak, 23-04-2021.
17:00

Kratki rezovi, emisija o filmu

Petak, 23-04-2021.
18:00

Dnevnik, informativna emisija

Petak, 23-04-2021.
18:30

Auto moto nautic vision, emisija o automobilizmu

Petak, 23-04-2021.
19:00

City music, glazbena emisija

Petak, 23-04-2021.
20:00

Zdrava jabuka, sponzorirani program

Petak, 23-04-2021.
21:00

Sučeljavanje kandidata za župana Osječko-baranjske županije, informativna emisija

Petak, 23-04-2021.
22:30

Dnevnik, informativna emisija (R)

Petak, 23-04-2021.
23:00

Kratki rezovi, emisija o filmu (R)

Petak, 23-04-2021.
00:00

Kraj programa

Subota, 24-04-2021.
09:45

TV prodaja

Subota, 24-04-2021.
10:00

Dnevnik, informativna emisija (R)

Subota, 24-04-2021.
10:30

TV prodaja

Subota, 24-04-2021.
10:45

LifeStyle, magazin

Subota, 24-04-2021.
11:45

TV Koktel, moziačna emisija (R)

Subota, 24-04-2021.
12:45

Kako se snimao film, dokumentarna reportaža

Subota, 24-04-2021.
13:00

Svirajte mi tamburaši. glazbena emisija (R)

Subota, 24-04-2021.
13:30

Zdrava jabuka, sponzorirani program (R)

Subota, 24-04-2021.
14:30

Budnica, talk show (R)

Subota, 24-04-2021.
15:30

KolibriS, emisija o kulturi

Subota, 24-04-2021.
16:30

Odaberi zdravlje, sponzorirani program (R)

Subota, 24-04-2021.
17:30

Kako se snimao film, dokumentarna reportaža

Subota, 24-04-2021.
18:00

Dnevnik, informativna emisija

Subota, 24-04-2021.
18:30

Auto moto nautic vision, emisija o automobilizmu (R)

Subota, 24-04-2021.
19:00

City music, glazbena emisija

Subota, 24-04-2021.
20:00

Osijek info, mozaična emisija

Subota, 24-04-2021.
20:30

Slavonsko veselje, glazbena kontakt emisija

Subota, 24-04-2021.
22:30

Osijek pita, informativna emisija (R)

Subota, 24-04-2021.
23:00

Dnevnik, informativna emisija (R)

Subota, 24-04-2021.
00:00

Kraj programa

Nedjelja, 25-04-2021.
09:15

Mamre, vjerski program (R)

Nedjelja, 25-04-2021.
09:30

Produženi vikend, mozaična emisija (R)

Nedjelja, 25-04-2021.
10:30

Dnevnik, informativna emisija (R)

Nedjelja, 25-04-2021.
11:00

Zdrava jabuka, sponzorirani program

Nedjelja, 25-04-2021.
12:00

To smo mi, putopisna reportaža (R)

Nedjelja, 25-04-2021.
12:30

Svirajte mi tamburaši, glazbena emisija

Nedjelja, 25-04-2021.
13:00

Budnica, talk show (R)

Nedjelja, 25-04-2021.
14:00

Kratki rezovi, emisija o filmu (R)

Nedjelja, 25-04-2021.
14:30

Zlato ravnice, poljopriverdna emisija

Nedjelja, 25-04-2021.
15:00

Zdrava jabuka, sponzorirani program

Nedjelja, 25-04-2021.
16:00

Zvjezdani show, zabavno- glazbena emisija

Nedjelja, 25-04-2021.
17:40

Mamre, vjerski program (R)

Nedjelja, 25-04-2021.
18:00

Dnevnik, informativna emisija

Nedjelja, 25-04-2021.
18:30

Glazbeni program

Nedjelja, 25-04-2021.
19:00

TV Koktel, moziačna emisija (R)

Nedjelja, 25-04-2021.
20:00

Impuls razvoja, emisija o gospodarstvu

Nedjelja, 25-04-2021.
20:30

Slavonsko veselje, glazbena kontakt emisija

Nedjelja, 25-04-2021.
22:30

Osijek pita, informativna emisija (R)

Nedjelja, 25-04-2021.
23:00

Dnevnik, informativna emisija (R)

Nedjelja, 25-04-2021.
23:55

Kraj programa

Nedjelja, 25-04-2021.
09:30

TV prodaja

Ponedjeljak, 26-04-2021.
10:00

Dnevnik, informativna emisija (R)

Ponedjeljak, 26-04-2021.
10:30

Produženi vikend, moziačna emisija (R)

Ponedjeljak, 26-04-2021.
11:30

Slavonsko veselje, zabavno - glazbena kontakt emisija (R)

Ponedjeljak, 26-04-2021.
13:30

Zdrava jabuka, sponzorirani program

Ponedjeljak, 26-04-2021.
14:30

U dobroj formi, magazin

Ponedjeljak, 26-04-2021.
15:00

Zlato ravnice, poljoprivredna emisija (R)

Ponedjeljak, 26-04-2021.
15:40

Akademska četvrt, mozaična emisija (R)

Ponedjeljak, 26-04-2021.
15:55

Vijesti, informativna emisija

Ponedjeljak, 26-04-2021.
16:00

TV Replika, kontakt emisija

Ponedjeljak, 26-04-2021.
17:15

Osijek info, mozaična emisija (R)

Ponedjeljak, 26-04-2021.
18:00

Dnevnik, informativna emisija

Ponedjeljak, 26-04-2021.
18:30

Sportikos, sportska emisija

Ponedjeljak, 26-04-2021.
19:30

City music, glazbena emisija

Ponedjeljak, 26-04-2021.
20:00

Budnica, talk show

Ponedjeljak, 26-04-2021.
21:00

Impuls razvoja, emisija o gospodarstvu (R)

Ponedjeljak, 26-04-2021.
21:30

Vukovarska kronika, mozaična emisija

Ponedjeljak, 26-04-2021.
22:00

After, emisija o elektronskoj glazbi

Ponedjeljak, 26-04-2021.
23:30

Dnevnik, informativna emisija (R)

Ponedjeljak, 26-04-2021.
00:00

Kraj programa

Utorak, 27-04-2021.
09:45

TV prodaja

Utorak, 27-04-2021.
10:00

Dnevnik, informativna emisija (R)

Utorak, 27-04-2021.
10:30

TV Koktel, mozaična emisija (R)

Utorak, 27-04-2021.
11:30

TV prodaja

Utorak, 27-04-2021.
11:45

Slavonsko veselje, zabavno - glazbena kontakt emisija (R)

Utorak, 27-04-2021.
14:00

Sportikos, sportska emisija (R)

Utorak, 27-04-2021.
15:00

Budnica, talk show (R)

Utorak, 27-04-2021.
15:55

Vijesti, informativna emisija

Utorak, 27-04-2021.
16:00

TV Replika, kontakt emisija

Utorak, 27-04-2021.
17:00

Vukovarska kronika, mozaična emisija (R)

Utorak, 27-04-2021.
17:30

Akademska četvrt, mozaični program (R)

Utorak, 27-04-2021.
18:00

Dnevnik, informativna emisija

Utorak, 27-04-2021.
18:30

Auto moto nautic vision, emisija o automobilizmu (R)

Utorak, 27-04-2021.
19:00

City music, glazbena emisija

Utorak, 27-04-2021.
20:00

Odaberi zdravlje, sponzorirani program

Utorak, 27-04-2021.
21:00

Naš (g)rad, informativna emisija

Utorak, 27-04-2021.
22:00

Dnevnik, informativna emisija (R)

Utorak, 27-04-2021.
22:30

TV Replika, kontakt emisija (R)

Utorak, 27-04-2021.
23:30

Kraj programa

Utorak, 27-04-2021.
09:45

TV prodaja

Srijeda, 28-04-2021.
10:00

Dnevnik, informativna emisija (R)

Srijeda, 28-04-2021.
10:30

Zdrava jabuka, sponzorirani program

Srijeda, 28-04-2021.
11:45

Sportikos, sportska emisija (R)

Srijeda, 28-04-2021.
12:45

U dobroj formi, magazin

Srijeda, 28-04-2021.
13:15

Kultura 21, magazin

Srijeda, 28-04-2021.
13:55

Auto moto nautic vision, emisija o automobilizmu (R)

Srijeda, 28-04-2021.
14:25

TV prodaja

Srijeda, 28-04-2021.
14:40

Glazbeni program

Srijeda, 28-04-2021.
14:55

Naš (g)rad, informativna emisija (R)

Srijeda, 28-04-2021.
15:55

Vijesti, informativna emisija

Srijeda, 28-04-2021.
16:00

TV Replika, kontakt emisija

Srijeda, 28-04-2021.
16:55

Odaberi zdravlje, sponzorirani program (R)

Srijeda, 28-04-2021.
18:00

Dnevnik, informativna emisija

Srijeda, 28-04-2021.
18:30

Auto moto nautic vision, emisija o automobilizmu (R)

Srijeda, 28-04-2021.
19:00

City music, glazbena emisija

Srijeda, 28-04-2021.
20:00

Karte na stol, talk show

Srijeda, 28-04-2021.
21:00

Osijek pita, informativna emisija

Srijeda, 28-04-2021.
21:30

Zvjezdani show, zabavno - glazbena emisija (R)

Srijeda, 28-04-2021.
23:00

Osijek info, mozaična emisija (R)

Srijeda, 28-04-2021.
23:30

Dnevnik, informativna emisija (R)

Srijeda, 28-04-2021.
00:00

Kraj programa

Četvrtak, 29-04-2021.
09:45

TV prodaja

Četvrtak, 29-04-2021.
10:00

Dnevnik, informativna emisija (R)

Četvrtak, 29-04-2021.
10:30

Glazbeni program

Četvrtak, 29-04-2021.
11:30

Kultura 21, magazin

Četvrtak, 29-04-2021.
12:00

TV prodaja

Četvrtak, 29-04-2021.
12:20

U dobroj formi, magazin

Četvrtak, 29-04-2021.
13:00

Naš (g)rad, informativna emisija (R)

Četvrtak, 29-04-2021.
14:00

LifeStyle TV, magazin

Četvrtak, 29-04-2021.
14:55

Karte na stol, talk show (R)

Četvrtak, 29-04-2021.
15:55

Vijesti, informativna emisija

Četvrtak, 29-04-2021.
16:00

TV Replika, kontakt emisija

Četvrtak, 29-04-2021.
17:00

Zlato ravnice, poljoprivredna emisija (R)

Četvrtak, 29-04-2021.
17:40

Akademska četvrt, mozaična emisija (R)

Četvrtak, 29-04-2021.
18:00

Dnevnik, informativna emisija

Četvrtak, 29-04-2021.
18:30

TV Koktel, mozaična emisija

Četvrtak, 29-04-2021.
19:30

City music, glazbena emisija

Četvrtak, 29-04-2021.
20:00

Budnica, talk show

Četvrtak, 29-04-2021.
21:00

Osijek info, mozaična emisija (R)

Četvrtak, 29-04-2021.
21:30

To smo mi , putopisna reportaža

Četvrtak, 29-04-2021.
22:00

Dnevnik, informativna emisija (R)

Četvrtak, 29-04-2021.
22:30

TV Replika, informativna emisija (R)

Četvrtak, 29-04-2021.
00:30

Kraj programa

Petak, 30-04-2021.
09:30

Glazbeni program

Petak, 30-04-2021.
09:45

TV prodaja

Petak, 30-04-2021.
10:00

Dnevnik, informativna emisija (R)

Petak, 30-04-2021.
10:20

Glazbeni program

Petak, 30-04-2021.
10:45

Auto moto nautic vision, emisija o automobilizmu

Petak, 30-04-2021.
11:30

U dobroj formi, magazin (R)

Petak, 30-04-2021.
12:00

Kultura 21, magazin (R)

Petak, 30-04-2021.
12:30

Glazbeni program

Petak, 30-04-2021.
13:00

Osijek info, mozaična emisija (R)

Petak, 30-04-2021.
13:30

TV Koktel, mozaična emisija (R)

Petak, 30-04-2021.
14:30

TV prodaja

Petak, 30-04-2021.
14:55

Zdrava jabuka, sponzorirani program (R)

Petak, 30-04-2021.
15:55

Vijesti, informativna emisija

Petak, 30-04-2021.
16:00

Produženi vikend, mozaična emisija (R)

Petak, 30-04-2021.
17:00

Kratki rezovi, emisija o filmu

Petak, 30-04-2021.
18:00

Dnevnik, informativna emisija

Petak, 30-04-2021.
18:30

Auto moto nautic vision, emisija o automobilizmu

Petak, 30-04-2021.
19:00

City music, glazbena emisija

Petak, 30-04-2021.
20:00

Zdrava jabuka, sponzorirani program

Petak, 30-04-2021.
21:00

Osijek pita, informativna emisija

Petak, 30-04-2021.
21:30

To smo mi , putopisna reportaža

Petak, 30-04-2021.
22:00

Svirajte mi tamburaši, glazbena emisija

Petak, 30-04-2021.
22:30

Dnevnik, informativna emisija (R)

Petak, 30-04-2021.
23:00

Kratki rezovi, emisija o filmu (R)

Petak, 30-04-2021.
00:00

Kraj programa

Subota, 01-05-2021.
09:45

TV prodaja

Subota, 01-05-2021.
10:00

Dnevnik, informativna emisija (R)

Subota, 01-05-2021.
10:30

TV prodaja

Subota, 01-05-2021.
10:45

LifeStyle, magazin

Subota, 01-05-2021.
11:45

TV Koktel, moziačna emisija (R)

Subota, 01-05-2021.
12:45

Kako se snimao film, dokumentarna reportaža

Subota, 01-05-2021.
13:00

Svirajte mi tamburaši. glazbena emisija (R)

Subota, 01-05-2021.
13:30

Zdrava jabuka, sponzorirani program (R)

Subota, 01-05-2021.
14:30

Budnica, talk show (R)

Subota, 01-05-2021.
15:30

KolibriS, emisija o kulturi

Subota, 01-05-2021.
16:30

Odaberi zdravlje, sponzorirani program (R)

Subota, 01-05-2021.
17:30

Kako se snimao film, dokumentarna reportaža

Subota, 01-05-2021.
18:00

Dnevnik, informativna emisija

Subota, 01-05-2021.
18:30

Auto moto nautic vision, emisija o automobilizmu (R)

Subota, 01-05-2021.
19:00

City music, glazbena emisija

Subota, 01-05-2021.
20:00

Osijek info, mozaična emisija

Subota, 01-05-2021.
20:30

Slavonsko veselje, glazbena kontakt emisija

Subota, 01-05-2021.
22:30

Općina Bizovac, reportaža

Subota, 01-05-2021.
23:00

Osijek pita, informativna emisija (R)

Subota, 01-05-2021.
23:30

Dnevnik, informativna emisija (R)

Subota, 01-05-2021.
00:00

Kraj programa

Nedjelja, 02-05-2021.
09:15

Mamre, vjerski program (R)

Nedjelja, 02-05-2021.
09:30

Produženi vikend, mozaična emisija (R)

Nedjelja, 02-05-2021.
10:30

Dnevnik, informativna emisija (R)

Nedjelja, 02-05-2021.
11:00

Zdrava jabuka, sponzorirani program

Nedjelja, 02-05-2021.
12:00

To smo mi, putopisna reportaža (R)

Nedjelja, 02-05-2021.
12:30

Svirajte mi tamburaši, glazbena emisija

Nedjelja, 02-05-2021.
13:00

Budnica, talk show (R)

Nedjelja, 02-05-2021.
14:00

Kratki rezovi, emisija o filmu (R)

Nedjelja, 02-05-2021.
14:30

Zlato ravnice, poljopriverdna emisija

Nedjelja, 02-05-2021.
15:00

Zdrava jabuka, sponzorirani program

Nedjelja, 02-05-2021.
16:00

Zvjezdani show, zabavno- glazbena emisija

Nedjelja, 02-05-2021.
17:40

Mamre, vjerski program (R)

Nedjelja, 02-05-2021.
18:00

Dnevnik, informativna emisija

Nedjelja, 02-05-2021.
18:30

Glazbeni program

Nedjelja, 02-05-2021.
19:00

TV Koktel, moziačna emisija (R)

Nedjelja, 02-05-2021.
20:00

Impuls razvoja, emisija o gospodarstvu

Nedjelja, 02-05-2021.
20:30

Slavonsko veselje, glazbena kontakt emisija

Nedjelja, 02-05-2021.
22:30

Osijek pita, informativna emisija (R)

Nedjelja, 02-05-2021.
23:00

Dnevnik, informativna emisija (R)

Nedjelja, 02-05-2021.
23:55

Kraj programa

Nedjelja, 02-05-2021.

Creditworthiness information provides information on customer performance from the loan items they hold.

The financial institution issues a lengthier readiness loan (6 months compared to the typically one-month loan in great britain). Another distinction between our research and Liberman, Paravisini, and Pathania (2018) is the fact that the writers utilize information from the storefront U.K. payday loan provider.

Payday advances may enable customers to smooth usage in the thirty days but additionally raise the feasibility of urge acquisitions. Zaki (2016) finds both impacts making use of U.S. information on spending of army workers. Parsons and Wesep (2013) view pay day loans as potentially harmful, as those with not enough self-control may use the mortgage to carry ahead usage, possibly undoing the consumption smoothing ramifications of pay timing.

Creditworthiness information provides information on customer performance from the loan services and products they hold. This includes delinquency (1-6 months in arrears) and standard (non-payment after a few months in arrears). These definitions are the ones utilized by the credit bureau. The info also incorporates home elevators formal and casual kinds of individual insolvency bankruptcy that is including making use of a financial obligation administration plan.

A RD methodology has additionally been utilized recently on U.S. information by Skiba cartitleloansplus.com/payday-loans-nv/ and Tobacman (2015) and Bhutta, Skiba, and Tobacman (2015). Our study varies from Skiba and Tobacman (2015) and Bhutta, Skiba, and Tobacman (2015) in that, (i) we now have usage of information from almost all businesses available in the market and, (ii) we examine a diverse array of monetary results, whereas those studies give attention to credit rating and bankruptcy just. For detail by detail reviews and guides to your RD research designs approach, see Hahn, Todd, and Klaauw (2001), Imbens and Kalyanaraman (2008), McCrary (2008), and Lee and Lemieux (2010).

Within the payday financing market, the majority of loan providers provide fixed costs on their item offerings. All people that are effective for loans can be obtained loans during the exact same price that is basicalthough the APR on any particular loan will be based upon quantity borrowed and loan duration). Ergo the goal of the credit score is entirely to share with a choice that is binary to perhaps the loan emerges, or otherwise not. Consequently, the credit rating determined by the company will ordinarily express a sign of this likelihood of standard. People who have good fico scores (low possibility of standard) is likely to be provided loans; people who have bad fico scores (large probability of standard) will likely to be unsuccessful.

A failure of success prices for getting loans can be as follows: among all first-time candidates; 50.7% get a loan from their very very first application with regards to very very first loan provider; 55.3% get a loan (through the first loan provider or another loan provider) within 3 times of very first application; 56.1% within seven days; 57.8percent within thirty days; 58.8percent within 60 times; and 63% ahead of the end of y our test duration. Answers are robust to making use of some of these windows to determine therapy.

We’re obliged to safeguard the privacy of firms inside our information, and as a result of information privacy limitations we can not name which firms correspond to which lender procedures or reveal how many loan requests made under each loan provider process (as had been we to take action, outlier organizations might be identified).

We estimate the jump in odds of acquiring that loan during the credit rating limit, where getting financing is described as within 7 days, 1 month, or until the final end of our sample period (up to a couple of years). Complete answers are shown in on the web Appendix Table B1. These lender procedures are excluded as they provide no improvement in the chances of therapy in the boundary. The treatment effect is estimated as the jump in the outcome at the boundary divided by the jump in the probability of treatment at the boundary in the fuzzy RD. For those loan provider procedures, the latter is undefined; ergo these examples are excluded from subsequent analysis. First-stage discontinuity plots are shown for time perspectives of 10 days, thirty days, and two years in on the web Appendix Figure A1. These quotes are not responsive to variation into the estimation bandwidth, illustrated in Online Appendix Figure A2.