Is Fringe Baking A Component of Socially Determined Health?


  • Courtney L Hundley MPH
  • Richard W. Wilson DHSc
  • John Chenault MSLIS
  • Jamie L. Smimble MPH



health equity, social economic status, banking


This was an exploratory study to assess the association between density of fringe lenders (e.g.
payday) and health status. For Louisville, Kentucky, ZIP code level data on hospitalizations and mortality
rates as health measures were compared to fringe bank locations. We found lower socioeconomic status
(SES) positively correlated with greater frequency of fringe banks; rates of illness appear to be higher in ZIP
codes with more fringe banks, but this finding was not statistically significant. In conclusion, neighbor-
hoods between higher frequencies of fringe banks appear to have poorer health; it is premature to rule in or
rule out a direct or indirect association between neighborhood presence of fringe banks, but there is enough
evidence to justify additional research to put any conclusions on a firmer footing.



How to Cite

Hundley, C. L., Wilson, R. W., Chenault, J., & Smimble, J. L. (2017). Is Fringe Baking A Component of Socially Determined Health?. American Journal of Health Studies, 32(3).

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