Asset Building And The Escape From Poverty
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Asset Building And The Escape From Poverty A New Welfare Policy Debate
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Author : OECD
language : en
Publisher: OECD Publishing
Release Date : 2003-11-17
Asset Building And The Escape From Poverty A New Welfare Policy Debate written by OECD and has been published by OECD Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2003-11-17 with categories.
This book establishes the context for a fruitful debate on the merits and demerits of asset building for the poor by setting out the basic ideas involved in asset-building programmes and proposals.
Asset Building And The Escape From Poverty
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Author :
language : en
Publisher:
Release Date : 2003
Asset Building And The Escape From Poverty written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2003 with categories.
Asset Building And Low Income Families
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Author : Signe-Mary McKernan
language : en
Publisher: The Urban Insitute
Release Date : 2008
Asset Building And Low Income Families written by Signe-Mary McKernan and has been published by The Urban Insitute this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008 with Business & Economics categories.
Low-income families have scant savings to cushion a job loss or illness, and can find economic mobility impossible without funds to invest in education, homes, or businesses. And though a lack of resources leaves such families vulnerable, income-support programs are often closed to those with a bit of savings or even a car. Considering welfare-to-work reforms, the increasingly advanced skill demands of the American workforce, and our stretched Social Security system, such an approach is inadequate to lift families out of poverty. Asset-based policies--allowing or even helping low-income families build wealth--are an increasingly popular strategy to facilitate financial stability.
Assets For The Poor
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Author : Thomas M. Shapiro
language : en
Publisher: Russell Sage Foundation
Release Date : 2001-05-17
Assets For The Poor written by Thomas M. Shapiro and has been published by Russell Sage Foundation this book supported file pdf, txt, epub, kindle and other format this book has been release on 2001-05-17 with Social Science categories.
Over the past three decades, average household wealth in the United States has declined among all but the richest families, with a near 80 percent drop among the nation's poorest families. Although the national debate about inequality has focused on income, it is wealth—the private assets amassed and passed on within families—that provides the extra economic cushion needed to move beyond mere day-to-day survival. Assets for the Poor is the first full-scale investigation into the importance of family wealth and the need for policies to encourage asset-building among the poor. Assets for the Poor shows how institutional mechanisms designed to encourage acquisition of capital and property favor middle-class and high-income families. For example, the aggregate value of home mortgage tax deductions far outweighs the dollar amount of the subsidies provided by Section 8 rental vouchers and public housing. Banking definitions of creditworthiness largely exclude minorities, and welfare rules have made it nearly impossible for single mothers to accumulate savings, let alone stocks or real estate. Due to persistent residential segregation, even those minority families who do own homes are often denied equal access to better schools and public services. The research in this volume shows that the poor do make use of the assets they have. Cash gifts—although small in size—are frequent within families and often lead to such positive results as homebuying and debt reduction, while tangible assets such as tools and cars help increase employment prospects. Assets for the Poor examines policies such as Individual Development Account tax subsidies to reward financial savings among the poor, and more liberal credit rules to make borrowing easier and less costly. The contributors also offer thoughtful advice for bringing the poor into mainstream savings institutions and warn against developing asset building policies at the expense of existing safety net programs. Asset-building for low-income families is a powerful idea that offers hope to families searching for a way out of poverty. Assets for the Poor challenges current thinking regarding poverty reduction policies and proposes a major shift in the way we think about families and how they make a better life. A Volume in the Ford Foundation Series on Asset Building
Assets For The Poor
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Author : Thomas M. Shapiro
language : en
Publisher: Russell Sage Foundation
Release Date : 2005-11-17
Assets For The Poor written by Thomas M. Shapiro and has been published by Russell Sage Foundation this book supported file pdf, txt, epub, kindle and other format this book has been release on 2005-11-17 with Social Science categories.
Over the past three decades, average household wealth in the United States has declined among all but the richest families, with a near 80 percent drop among the nation's poorest families. Although the national debate about inequality has focused on income, it is wealth—the private assets amassed and passed on within families—that provides the extra economic cushion needed to move beyond mere day-to-day survival. Assets for the Poor is the first full-scale investigation into the importance of family wealth and the need for policies to encourage asset-building among the poor. Assets for the Poor shows how institutional mechanisms designed to encourage acquisition of capital and property favor middle-class and high-income families. For example, the aggregate value of home mortgage tax deductions far outweighs the dollar amount of the subsidies provided by Section 8 rental vouchers and public housing. Banking definitions of creditworthiness largely exclude minorities, and welfare rules have made it nearly impossible for single mothers to accumulate savings, let alone stocks or real estate. Due to persistent residential segregation, even those minority families who do own homes are often denied equal access to better schools and public services. The research in this volume shows that the poor do make use of the assets they have. Cash gifts—although small in size—are frequent within families and often lead to such positive results as homebuying and debt reduction, while tangible assets such as tools and cars help increase employment prospects. Assets for the Poor examines policies such as Individual Development Account tax subsidies to reward financial savings among the poor, and more liberal credit rules to make borrowing easier and less costly. The contributors also offer thoughtful advice for bringing the poor into mainstream savings institutions and warn against developing asset building policies at the expense of existing safety net programs. Asset-building for low-income families is a powerful idea that offers hope to families searching for a way out of poverty. Assets for the Poor challenges current thinking regarding poverty reduction policies and proposes a major shift in the way we think about families and how they make a better life. A Volume in the Ford Foundation Series on Asset Building
Asset Based Welfare And Poverty
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Author : Claire Kober
language : en
Publisher: Institute for Public Policy Research
Release Date : 2002
Asset Based Welfare And Poverty written by Claire Kober and has been published by Institute for Public Policy Research this book supported file pdf, txt, epub, kindle and other format this book has been release on 2002 with Economic assistance, Domestic categories.
Reducing Global Poverty
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Author : Caroline O.N. Moser
language : en
Publisher: Rowman & Littlefield
Release Date : 2008-06-01
Reducing Global Poverty written by Caroline O.N. Moser and has been published by Rowman & Littlefield this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008-06-01 with Business & Economics categories.
A daunting challenge to the international community is how to go about lifting the world's huge poor population out of poverty. "Asset-based" approaches to development are aimed specifically at designing and implementing public policies that will increase the capital assets of the poor—i.e., the physical, financial, human, social, and natural resources that can be acquired, developed, improved, and transferred across generations. In this pathbreaking book, Caroline Moser and a group of experts with on-the-ground experience provide a set of case studies of asset-building projects around the globe. The authors use a cutting-edge research framework that moves beyond quick snapshot solutions to the problem of poverty. They highlight the ways in which poor households and communities can move out of poverty through longer-term accumulation of capital assets. Contributors include Michael Carter (University of Wisconsin), Monique Cohen (Microfinance Opportunities), Sarah Cook (Institute of Development Studies, Sussex), Hector Cordero-Guzman (Baruch College, CUNY), Lilianne Fan (Oxfam, UK), Pablo Farias (Ford Foundation, New York), Clare Ferguson (formerly DFID), Andy Felton (FDIC), Sarah Gammage (Rutgers University), Anirudh Krishna (Duke University), Amy Liu (Brookings Institution), Vijay Mahajan (BASIX, India), Paula Nimpuno-Parente (Ford Foundation, South Africa), Manuel Orozco (Inter-American Dialogue),Victoria Quiroz-Becerra (Baruch College, CUNY), Dennis Rodgers (London School of Economics), and Andres Solimano (CEPAL, Santiago, Chile).
Owning Up
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Author : Michelle Miller-Adams
language : en
Publisher: Brookings Inst Press
Release Date : 2002
Owning Up written by Michelle Miller-Adams and has been published by Brookings Inst Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2002 with Business & Economics categories.
In Owning Up, Michelle Miller-Adams demonstrates how asset-building programs, used in combination with traditional income-based support, can be an effective means for helping millions of Americans out of poverty."--BOOK JACKET.
Critical Issues In Asset Building In Singapore S Development
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Author : Singh Bilveer
language : en
Publisher: World Scientific
Release Date : 2018-06-18
Critical Issues In Asset Building In Singapore S Development written by Singh Bilveer and has been published by World Scientific this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018-06-18 with Business & Economics categories.
Singapore's progress as an independent nation and the uplifting of its people's livelihood have been made possible by stable social and political conditions. A more important factor in driving these positive changes lies with people-centric leadership. One can contrast the case of Singapore with societies led by self-serving leaders whose lack of honesty and integrity brings about immense social and economic hardships to various communities. When people suffer under undesirable circumstances, they often migrate to seek better future for themselves and their families. This book reveals how Singapore's governance grounded on the principle of asset building facilitates the country's growth and development. Policies being discussed in this volume include multi-culturalism, accessible housing, social mobility for low-income families, water resource management, and national conscription. Highly relevant for students, policy makers and the general public interested in socio-political and economic development issues, this unique piece of work not only gives readers a documentary account of what has been undertaken to empower and assist citizens in the last 50 years or so, but also prompts them to reflect on Singapore's future trajectory.
Building Assets Building Credit
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Author : Nicolas P. Retsinas
language : en
Publisher: Brookings Institution Press
Release Date : 2006-05-25
Building Assets Building Credit written by Nicolas P. Retsinas and has been published by Brookings Institution Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2006-05-25 with Social Science categories.
Poor people spend their money living day to day. How can they accumulate wealth? In the United States, homeownership is often the answer. Homes not only provide shelter but also are assets, and thus a means to create equity. Mortgage credit becomes a crucial factor. More Americans than ever now have some access to credit. However. thanks in large part to the growth of global capital markets and greater use of "credit scores," not all homeowners have benefited equally from the opened spigots. Different terms and conditions mean that some applicants are overpaying for mortgage credit, while some are getting in over their heads. And the door is left wide open for predatory lenders. In this important new volume, accomplished analysts examine the situation, illustrate its ramifications, and recommend steps to improve it. Today, low-income Americans have more access to credit than ever before. The challenge is to increase the chances that homeownership becomes the new pathway to asset-building that everyone hopes it will be.