Communities Gaining Access To Capital
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Communities Gaining Access To Capital
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Author :
language : en
Publisher:
Release Date : 2000
Communities Gaining Access To Capital written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2000 with Community development categories.
Financing Low Income Communities
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Author : Julia Sass Rubin
language : en
Publisher: Russell Sage Foundation
Release Date : 2007-11-15
Financing Low Income Communities written by Julia Sass Rubin 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 2007-11-15 with Business & Economics categories.
Access to capital and financial services is crucial for healthy communities. However, many impoverished individuals and neighborhoods are routinely ignored by mainstream financial institutions. This neglect led to the creation of community development financial institutions (CDFIs), which provide low-income communities with financial services and act as a conduit to conventional financial organizations and capital markets. Edited by Julia Sass Rubin, Financing Low-Income Communities brings together leading experts in the field to assess what we know about the challenges of bringing financial services and capital to poor communities, map out future lines of research, and propose policy reforms to make these efforts more effective. The contributors to Financing Low-Income Communities distill research on key topics related to community development finance. Daniel Schneider and Peter Tufano examine the obstacles that make saving and asset accumulation difficult for low-income households—such as the fact that tens of millions of low-income and minority adults don't have a bank account—and consider solutions, like making it easier for low-wage workers to enroll in 401(K) plans. Jeanne Hogarth, Jane Kolodinksy, and Marianne Hilgert review evidence showing that community-based financial education programs can be effective in changing families' saving and budgeting patterns. Lisa Servon proposes strategies for addressing the challenges facing the microenterprise field in the United States. Julia Sass Rubin discusses ways community loan and venture capital funds have adapted in response to the decreased availability of funding, and considers potential sources of new capital, such as state governments and public pension funds. Marva Williams explores the evolution and recent performance of community development banks and credit unions. Kathleen Engel and Patricia McCoy document the proliferation of predatory lenders, who market loans at onerous interest rates to financially vulnerable families and the devastating effects of such lending on communities—from increased crime to falling home values and lower tax revenues. Rachel Bratt reviews the policies and programs used to make rental and owned housing financially accessible. Rob Hollister proposes a framework for evaluating the contributions of community development financial institutions. Despite the many accomplishments of CDFIs over the last four decades, changing political and economic conditions make it imperative that they adapt in order to survive. Financing Low-Income Communities charts out new directions for public and private organizations which aim to end the financial exclusion of marginalized neighborhoods.
The State Of Small Business Access To Capital And Credit
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Author : United States. Congress. House. Committee on Small Business
language : en
Publisher:
Release Date : 2011
The State Of Small Business Access To Capital And Credit written by United States. Congress. House. Committee on Small Business and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011 with Business & Economics categories.
Improving Communities And Businesses Access To Capital And Economic Development S Hrg 114 388 May 19 2016 114 2
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Author :
language : en
Publisher:
Release Date : 2017
Improving Communities And Businesses Access To Capital And Economic Development S Hrg 114 388 May 19 2016 114 2 written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017 with categories.
Social Capital And Poor Communities
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Author : Susan Saegert
language : en
Publisher: Russell Sage Foundation
Release Date : 2002-01-10
Social Capital And Poor Communities written by Susan Saegert 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 2002-01-10 with Social Science categories.
Neighborhood support groups have always played a key role in helping the poor survive, but combating poverty requires more than simply meeting the needs of day-to-day subsistence. Social Capital and Poor Communities shows the significant achievements that can be made through collective strategies, which empower the poor to become active partners in revitalizing their neighborhoods. Trust and cooperation among residents and local organizations such as churches, small businesses, and unions form the basis of social capital, which provides access to resources that would otherwise be out of reach to poor families. Social Capital and Poor Communities examines civic initiatives that have built affordable housing, fostered small businesses, promoted neighborhood safety, and increased political participation. At the core of each initiative lie local institutions—church congregations, parent-teacher groups, tenant associations, and community improvement alliances. The contributors explore how such groups build networks of leaders and followers and how the social power they cultivate can be successfully transferred from smaller goals to broader political advocacy. For example, community-based groups often become platforms for leaders hoping to run for local office. Church-based groups and interfaith organizations can lobby for affordable housing, job training programs, and school improvement. Social Capital and Poor Communities convincingly demonstrates why building social capital is so important in enabling the poor to seek greater access to financial resources and public services. As the contributors make clear, this task is neither automatic nor easy. The book's frank discussions of both successes and failures illustrate the pitfalls—conflicts of interest, resistance from power elites, and racial exclusion—that can threaten even the most promising initiatives. The impressive evidence in this volume offers valuable insights into how goal formation, leadership, and cooperation can be effectively cultivated, resulting in a remarkable force for change and a rich public life even for those communities mired in seemingly hopeless poverty. A Volume in the Ford Foundation Series on Asset Building
Review And Analysis Of Access To Capital In Northern And Rural Communities In Canada
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Author :
language : en
Publisher:
Release Date : 2004
Review And Analysis Of Access To Capital In Northern And Rural Communities In Canada written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2004 with Capital categories.
Technology Innovation And Southern Industrialization
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Author : Susanna Delfino
language : en
Publisher: University of Missouri Press
Release Date : 2008
Technology Innovation And Southern Industrialization written by Susanna Delfino and has been published by University of Missouri Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008 with Business & Economics categories.
Because of its strong agrarian roots, the South has typically been viewed as a region not favorably disposed to innovation and technology. Yet innovation was never absent from industrialization in this part of the United States. From the early nineteenth century onward, southerners were as eager as other Americans to embrace technology as a path to modernity. This volume features seven essays that range widely across the region and its history, from the antebellum era to the present, to assess the role of innovations presumed lacking by most historians. Offering a challenging interpretation of industrialization in the South, these writings show that the benefits of innovations had to be carefully weighed against the costs to both industry and society. The essays consider a wide range of innovative technologies. Some examine specific industries in subregions: steamboats in the lower Mississippi valley, textile manufacturing in Georgia and Arkansas, coal mining in Virginia, and sugar planting and processing in Louisiana. Others consider the role of technology in South Carolina textile mills around the turn of the twentieth century, the electrification of the Tennessee valley, and telemedicine in contemporary Arizona--marking the expansion of the region into the southwestern Sunbelt. Together, these articles show that southerners set significant limitations on what technological innovations they were willing to adopt, particularly in a milieu where slaveholding agriculture had shaped the allocation of resources. They also reveal how scarcity of capital and continued reliance on agriculture influenced that allocation into the twentieth century, relieved eventually by federal spending during the Depression and its aftermath that sparked the Sunbelt South's economic boom. Technology, Innovation, and Southern Industrialization clearly demonstrates that the South's embrace of technological innovation in the modern era doesn't mark a radical change from the past but rather signals that such pursuits were always part of the region's economy. It deflates the myth of southern agrarianism while expanding the scope of antebellum American industrialization beyond the Northeast and offers new insights into the relationship of southern economic history to the region's society and politics.
Access To Credit In Distressed Communities
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Author : United States. Congress. House. Committee on Small Business. Subcommittee on Minority Enterprise, Finance, and Urban Development
language : en
Publisher:
Release Date : 1994
Access To Credit In Distressed Communities written by United States. Congress. House. Committee on Small Business. Subcommittee on Minority Enterprise, Finance, and Urban Development and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1994 with Business & Economics categories.
The States And Distressed Communities
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Author :
language : en
Publisher:
Release Date : 1985
The States And Distressed Communities written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1985 with Economic assistance, Domestic categories.
Organizing For Community Controlled Development
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Author : Patricia W. Murphy
language : en
Publisher: SAGE
Release Date : 2003-01-23
Organizing For Community Controlled Development written by Patricia W. Murphy and has been published by SAGE this book supported file pdf, txt, epub, kindle and other format this book has been release on 2003-01-23 with Business & Economics categories.
Combines solid research, observation, and practical experience that speak forcefully to the need for both local place-based development and greater citizen involvement.