Allowance for Losses and Credit Quality of Financing Receivables (Tables)

6 Months Ended

Mar. 31, 2014

Receivables [Abstract]

Allowance for credit losses and recorded investment in financing receivables

The following table presents changes in the allowance for credit losses, as well as the recorded investment in our financing receivables by portfolio segment for the periods presented:

Description	Allowance Balance at Beginning of Period		Charge-offs			Recoveries		Provision				Translation Adjustment		Allowance Balance at End of Period		Financing Receivable at End of Period
	(in thousands)
Unsecured short-term consumer loans:
Three Months Ended March 31, 2014	$	2,848	$	(16,601	)	$	16,689	$	5,644			$	5	$	8,585	$	26,815
Three Months Ended March 31, 2013	$	2,553	$	(10,875	)	$	5,480	$	5,076			$	—	$	2,234	$	20,022
Six Months Ended March 31, 2014	$	2,928	$	(28,803	)	$	20,884	$	13,559			$	17	$	8,585	$	26,815
Six Months Ended March 31, 2013	$	2,390	$	(22,924	)	$	10,281	$	12,487			$	—	$	2,234	$	20,022
Secured short-term consumer loans:
Three Months Ended March 31, 2014	$	2,332	$	(18,382	)	$	16,573	$	1,291		*	$	—	$	1,814	$	7,959
Three Months Ended March 31, 2013	$	1,473	$	(10,597	)	$	9,840	$	642			$	—	$	1,358	$	6,163
Six Months Ended March 31, 2014	$	1,804	$	(32,571	)	$	31,755	$	826			$	—	$	1,814	$	7,959
Six Months Ended March 31, 2013	$	942	$	(19,271	)	$	17,800	$	1,887			$	—	$	1,358	$	6,163
Unsecured long-term consumer loans:
Three Months Ended March 31, 2014	$	1,956	$	(85	)	$	1,142	$	(455	)	*	$	3	$	2,561	$	115,411
Three Months Ended March 31, 2013	$	624	$	(791	)	$	1,136	$	(663	)	*	$	24	$	330	$	91,747
Six Months Ended March 31, 2014	$	972	$	(926	)	$	1,573	$	936			$	6	$	2,561	$	115,411
Six Months Ended March 31, 2013	$	623	$	(952	)	$	2,357	$	(1,716	)	*	$	18	$	330	$	91,747

* Benefit in consumer loan provision is due to the sale of past due loans and recoveries of loans previously written-off.

Aging Analysis of past due financing receivables

The following table presents an aging analysis of past due financing receivables by portfolio segment:

	Days Past Due								Total		Current		Fair Value			Total Financing		Allowance		Recorded Investment > 90 Days
	1-30		31-60		61-90		>90		Past Due		Receivable		Adjustment			Receivable		Balance		Accruing
	(in thousands)
Unsecured short-term consumer loans:*
March 31, 2014	$	1,063	$	1,949	$	898	$	3,411	$	7,321	$	4,067	$	—		$	11,388	$	6,964	$	—
March 31, 2013	$	13	$	13	$	—	$	—	$	26	$	119	$	—		$	145	$	30	$	—
September 30, 2013	$	113	$	285	$	257	$	—	$	655	$	214	$	—		$	869	$	464	$	—
Secured short-term consumer loans:
March 31, 2014	$	1,424	$	736	$	757	$	1,184	$	4,101	$	3,858	$	—		$	7,959	$	1,814	$	—
March 31, 2013	$	1,299	$	747	$	506	$	825	$	3,377	$	2,786	$	—		$	6,163	$	1,358	$	—
September 30, 2013	$	2,096	$	1,313	$	905	$	910	$	5,224	$	4,565	$	—		$	9,789	$	1,804	$	—
Unsecured long-term consumer loans:
March 31, 2014
In Payroll	$	792	$	1,953	$	1,503	$	28,070	$	32,318	$	80,098	$	1,218		$	113,634	$	1,587	$	28,070
Out of payroll	24		34		25		943		1,026		1,111		(360		)	1,777		974		—
	$	816	$	1,987	$	1,528	$	29,013	$	33,344	$	81,209	$	858		$	115,411	$	2,561	$	28,070
March 31, 2013
In Payroll	$	1,545	$	5,519	$	3,856	$	27,479	$	38,399	$	53,980	$	(1,099	)	$	91,280	$	327	$	27,479
Out of payroll	—		—		—		—		—		467		—			467		3		—
	$	1,545	$	5,519	$	3,856	$	27,479	$	38,399	$	54,447	$	(1,099	)	$	91,747	$	330	$	27,479
September 30, 2013
In Payroll	$	8,726	$	5,245	$	1,392	$	29,492	$	44,855	$	63,209	$	(196	)	$	107,868	$	758	$	29,492
Out of payroll	183		109		192		—		484		258		(7		)	735		214		—
	$	8,909	$	5,354	$	1,584	$	29,492	$	45,339	$	63,467	$	(203	)	$	108,603	$	972	$	29,492

* Unsecured short-term consumer loans amounts are included for periods after the acquisition of Go Cash.