Credit Where It S Due
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Where Credit Is Due
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Author : Gregory Smith
language : en
Publisher: Oxford University Press
Release Date : 2021-12-01
Where Credit Is Due written by Gregory Smith and has been published by Oxford University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021-12-01 with Business & Economics categories.
Borrowing is a crucial source of financing for governments all over the world. If they get it wrong, then debt crises can bring progress to a halt. But if it's done right, investment happens and conditions improve. African countries are seeking calmer capital, to raise living standards and give their economies a competitive edge. The African debt landscape has changed radically in the first two decades of the twenty-first century. Since the clean slate of extensive debt relief, states have sought new borrowing opportunities from international capital markets and emerging global powers like China. The new debt composition has increased risk, exacerbated by the 2020 coronavirus pandemic: richer countries borrowed at rock-bottom interest rates, while Africa faced an expensive jump in indebtedness. The escalating debt burden has provoked calls by the G20 for suspension of debt payments. But Africa's debt today is highly complex, and owed to a wider range of lenders. A new approach is needed, and could turn crisis into opportunity. Urgent action by both lenders and borrowers can reduce risk, while carefully preserving market access; and smart deployment of private finance can provide the scale of investment needed to achieve development goals and tackle the climate emergency.
Credit Where It S Due
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Author : Frederick F. Wherry
language : en
Publisher: Russell Sage Foundation
Release Date : 2019-04-26
Credit Where It S Due written by Frederick F. Wherry 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 2019-04-26 with Social Science categories.
An estimated 45 million adults in the U.S. lack a credit score at time when credit invisibility can reduce one’s ability to rent a home, find employment, or secure a mortgage or loan. As a result, individuals without credit—who are disproportionately African American and Latino—often lead separate and unequal financial lives. Yet, as sociologists and public policy experts Frederick Wherry, Kristin Seefeldt, and Anthony Alvarez argue, many people who are not recognized within the financial system engage in behaviors that indicate their credit worthiness. How might institutions acknowledge these practices and help these people emerge from the financial shadows? In Credit Where It’s Due, the authors evaluate an innovative model of credit-building and advocate for a new understanding of financial citizenship, or participation in a financial system that fosters social belonging, dignity, and respect. Wherry, Seefeldt, and Alvarez tell the story of the Mission Asset Fund, a San Francisco-based organization that assists mostly low- and moderate-income people of color with building credit. The Mission Asset Fund facilitates zero-interest lending circles, which have been practiced by generations of immigrants, but have gone largely unrecognized by mainstream financial institutions. Participants decide how the circles are run and how they will use their loans, and the organization reports their clients’ lending activity to credit bureaus. As the authors show, this system not only helps clients build credit, but also allows them to manage debt with dignity, have some say in the creation of financial products, and reaffirm their sense of social membership. The authors delve into the history of racial wealth inequality in the U.S. to show that for many black and Latino households, credit invisibility is not simply a matter of individual choices or inadequate financial education. Rather, financial marginalization is the result of historical policies that enabled predatory lending, discriminatory banking and housing practices, and the rollback of regulatory protections for first-time homeowners. To rectify these inequalities, the authors propose common sense regulations to protect consumers from abuse alongside new initiatives that provide seed capital for every child, create affordable short-term loans, and ensure that financial institutions treat low- and moderate-income clients with equal respect. By situating the successes of the Mission Asset Fund in the larger history of credit and debt, Credit Where It’s Due shows how to prioritize financial citizenship for all.
Practical Charting Techniques
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Author : Mary Eleanor Spear
language : en
Publisher: McGraw-Hill Companies
Release Date : 1969
Practical Charting Techniques written by Mary Eleanor Spear and has been published by McGraw-Hill Companies this book supported file pdf, txt, epub, kindle and other format this book has been release on 1969 with Design categories.
Mike Mulligan And His Steam Shovel
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Author : Virginia Lee Burton
language : en
Publisher: Houghton Mifflin Harcourt
Release Date : 2010-06-28
Mike Mulligan And His Steam Shovel written by Virginia Lee Burton and has been published by Houghton Mifflin Harcourt this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010-06-28 with Juvenile Fiction categories.
A modern classic that no child should miss. Since it was first published in 1939, Mike Mulligan and His Steam Shovel has delighted generations of children. Mike and his trusty steam shovel, Mary Anne, dig deep canals for boats to travel through, cut mountain passes for trains, and hollow out cellars for city skyscrapers -- the very symbol of industrial America. But with progress come new machines, and soon the inseparable duo are out of work. Mike believes that Mary Anne can dig as much in a day as one hundred men can dig in a week, and the two have one last chance to prove it and save Mary Anne from the scrap heap. What happens next in the small town of Popperville is a testament to their friendship, and to old-fashioned hard work and ingenuity.
Where Credit Is Due
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Author : John Powell
language : en
Publisher: University Press of America
Release Date : 2013-11-21
Where Credit Is Due written by John Powell and has been published by University Press of America this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013-11-21 with Business & Economics categories.
While much recent attention has been focused on the subprime lending and foreclosure crisis, little has been said about its radically-disparate impact. Drawing upon history as well as insight into the current crisis, this book shows that this crisis is not an anomaly, especially for people of color; nor is it over. People of color have been excluded from wealth-building opportunities via homeownership continuously throughout United States history, from the outright denial of credit and residential racial discrimination, to federally-sponsored urban renewal programs. The subprime lending and foreclosure crisis is predicted to strip a quarter of a trillion dollars in wealth from black and Latino homeowners. It has reversed home ownership gains for people of color and has decimated neighborhoods across the United States while impacting local, regional, national, and international economies. The consequences are devastating. This collection of essays provides a framework for creating equitable policy and ultimately building more stable communities for all Americans.
Fool S Gold
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Author : Gillian Tett
language : en
Publisher: Hachette UK
Release Date : 2009-05-14
Fool S Gold written by Gillian Tett and has been published by Hachette UK this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009-05-14 with Social Science categories.
'A truly gripping narrative . . . The fact that Tett is able to reproduce such raw private communications is a tribute to her journalistic abilities' Dominic Lawson, Sunday Times 'Her blow-by-blow story is an impressive piece of detective work. She pulls back the curtain on a closed, unaccountable world of finance' Will Hutton, Guardian In the mid 1990s, at a vast hotel complex on a private Florida beach, dozens of bankers from JP Morgan gathered for what was to become a legendary off-site meeting. It was a wild weekend. But among the drinking, nightclubbing and fist-fights lay a more serious purpose - to assess the possibility of building a business around the new-fangled concepts of credit derivatives. The group at the heart of this revolution was an intense team, made up of individuals with a supreme sense of loyalty to each other and to the bank - for years, nothing could break them apart. But when, finally, the team dispersed, the innovations spread far beyond their original intentions, producing perversions in the mortgage market that ultimately culminated in disaster. Part real-life thriller, part investigation and exposé, this searing narrative takes us deep inside the shadowy world of complex finance - a perfect storm for the credit crunch
The Shadow Of Vesuvius A Life Of Pliny
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Author : Daisy Dunn
language : en
Publisher: Liveright Publishing
Release Date : 2019-12-10
The Shadow Of Vesuvius A Life Of Pliny written by Daisy Dunn and has been published by Liveright Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019-12-10 with Biography & Autobiography categories.
“A wonderfully rich, witty, insightful, and wide-ranging portrait of the two Plinys and their world.”—Sarah Bakewell, author of How to Live When Pliny the Elder perished at Stabiae during the eruption of Vesuvius in 79 AD, he left behind an enormous compendium of knowledge, his thirty-seven-volume Natural History, and a teenaged nephew who revered him as a father. Grieving his loss, Pliny the Younger inherited the Elder’s notebooks—filled with pearls of wisdom—and his legacy. At its heart, The Shadow of Vesuvius is a literary biography of the younger man, who would grow up to become a lawyer, senator, poet, collector of villas, and chronicler of the Roman Empire from the dire days of terror under Emperor Domitian to the gentler times of Emperor Trajan. A biography that will appeal to lovers of Mary Beard books, it is also a moving narrative about the profound influence of a father figure on his adopted son. Interweaving the younger Pliny’s Letters with extracts from the Elder’s Natural History, Daisy Dunn paints a vivid, compellingly readable portrait of two of antiquity’s greatest minds.
Engineering Research Methodology
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Author : Dipankar Deb
language : en
Publisher: Springer
Release Date : 2018-12-14
Engineering Research Methodology written by Dipankar Deb and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018-12-14 with Science categories.
The book covers all the important aspects of research methodology, and addresses the specific requirements of engineering students, such as methods and tools, in detail. It also discusses effective research in engineering today, which requires the ability to undertake literature reviews utilizing different online databases, to attribute credit for any prior work mentioned, to respect intellectual property rights while simultaneously maintaining ethics in research, and much more. Further, the book also considers soft skills like research management and planning, dealing with criticism in research and presentation skills, which are all equally important and need to include in research methodology education. Lastly, it provides the technical knowhow needed to file patents in academia, an important area that is often ignored in research methodology books. The book is a particularly valuable resource for PhD students in India and South East Asia, as research methodology is a part of their coursework.
International Convergence Of Capital Measurement And Capital Standards
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Author :
language : en
Publisher: Lulu.com
Release Date : 2004
International Convergence Of Capital Measurement And Capital Standards written by and has been published by Lulu.com this book supported file pdf, txt, epub, kindle and other format this book has been release on 2004 with Bank capital categories.
The Word On College Reading And Writing
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Author : Carol Burnell
language : en
Publisher:
Release Date : 2020
The Word On College Reading And Writing written by Carol Burnell and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020 with categories.
An interactive, multimedia text that introduces students to reading and writing at the college level.