Allowance for Losses and Credit Quality of Consumer Loans (Tables)

6 Months Ended

Mar. 31, 2015

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 (Benefit)		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, 2015	$	13,368	$	(7,029	)	$	3,495	$	2,862	$	(479	)	$	12,217	$	26,265
Three Months Ended March 31, 2014	2,848		(16,601		)	16,689		5,644		5			8,585		26,815
Six Months Ended March 31, 2015	14,645		(16,080		)	6,786		7,858		(992		)	12,217		26,265
Six Months Ended March 31, 2014	2,928		(28,803		)	20,884		13,559		17			8,585		26,815
Secured short-term consumer loans:
Three Months Ended March 31, 2015	$	1,134	$	(12,955	)	$	11,748	$	889	$	—		$	816	$	5,299
Three Months Ended March 31, 2014	2,332		(18,382		)	16,573		1,291		—			1,814		7,959
Six Months Ended March 31, 2015	1,049		(27,392		)	24,737		2,422		—			816		5,299
Six Months Ended March 31, 2014	1,804		(32,571		)	31,755		826		—			1,814		7,959
Unsecured long-term consumer loans:
Three Months Ended March 31, 2015	$	42,182	$	(101	)	$	—	$	4,052	$	(1,412	)	$	44,721	$	161,579
Three Months Ended March 31, 2014	23,889		(18		)	—		3,099		(5		)	26,965		143,362
Six Months Ended March 31, 2015	38,087		(268		)	—		11,663		(4,761		)	44,721		161,579
Six Months Ended March 31, 2014	19,849		(89		)	—		7,108		97			26,965		143,362

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 Past Due		Current Receivable		Translation Adjustment		Total Financing Receivable		Allowance Balance		Recorded Investment > 90 Days Accruing
	1-30		31-60		61-90		>90
	(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	$	—
Secured short-term consumer loans:
March 31, 2015	$	1,314	$	544	$	374	$	449	$	2,681	$	2,618	$	—	$	5,299	$	816	$	—
March 31, 2014	1,424		736		757		1,184		4,101		3,858		—		7,959		1,814		—
September 30, 2014	2,196		823		448		412		3,879		4,294		—		8,173		1,049		—
Unsecured long-term consumer loans:
March 31, 2015
Performing Loans	$	9,536	$	4,133	$	1,813	$	834	$	16,316	$	105,524	$	1,110	$	122,950	$	6,092	$	834
Non-Performing Loans	1,092		1,801		1,813		32,611		37,317		1,312		—		38,629		38,629		—
	$	10,628	$	5,934	$	3,626	$	33,445	$	53,633	$	106,836	$	1,110	$	161,579	$	44,721	$	834
March 31, 2014
Performing Loans	$	5,351	$	2,922	$	3,025	$	1,310	$	12,608	$	108,076	$	1,747	$	122,431	$	6,034	$	1,310
Non-Performing Loans	443		430		593		18,014		19,480		1,451		—		20,931		20,931		—
	$	5,794	$	3,352	$	3,618	$	19,324	$	32,088	$	109,527	$	1,747	$	143,362	$	26,965	$	1,310
September 30, 2014
Performing Loans	$	4,942	$	3,546	$	2,035	$	1,600	$	12,123	$	116,870	$	2,230	$	131,223	$	6,450	$	1,600
Non-Performing Loans	1,854		907		884		25,674		29,319		2,318		—		31,637		31,637		—
	$	6,796	$	4,453	$	2,919	$	27,274	$	41,442	$	119,188	$	2,230	$	162,860	$	38,087	$	1,600

* Unsecured short-term consumer loan amounts are included for the periods after the December 20, 2012 acquisition of Go Cash, and prior to our discontinuance of Go Cash operations as of September 30, 2014. As a result of our discontinuance of Go Cash, we wrote our unsecured short-term consumer loans down to net realized value, or a nominal amount, as of September 30, 2014.