Financial Access Under The Microscope
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Financial Access Under The Microscope
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Author : Sumit Agarwal
language : en
Publisher: International Monetary Fund
Release Date : 2018-09-28
Financial Access Under The Microscope written by Sumit Agarwal and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018-09-28 with Business & Economics categories.
We examine the impact of a large-scale microcredit expansion program on financial access and the transition of previously unbanked borrowers to commercial banks. Using administrative micro-data covering the universe of loans to individuals from a developing country, we show that the program significantly increased access to credit, particularly in less developed areas. This effect is driven by the newly set-up credit cooperatives (U-SACCOs), which grant loans to previously unbanked individuals. A sizable share of first-time borrowers who need a second loan switch to commercial banks, which cream-skim low-risk borrowers and grant them larger, cheaper, and longer-term loans. These borrowers are not riskier than similar individuals already at commercial banks and only initially receive smaller loans. Our results suggest that the microfinance sector, together with a well-functioning credit reference bureau, help mitigate information frictions in credit markets.
Financial Inclusion Under The Microscope
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Author :
language : en
Publisher:
Release Date : 2018
Financial Inclusion Under The Microscope written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018 with categories.
We examine the impact of a large-scale microcredit expansion program on financial access and the transition of previously unbanked borrowers to commercial banks. Using administrative micro-data covering the universe of loans to individuals from a developing country, we show that the program significantly increased access to credit, particularly in less developed areas. This effect is driven by the newly set-up credit cooperatives (U-SACCOs), which grant loans to previously unbanked individuals. A sizable share of first-time borrowers who need a second loan switch to commercial banks, which cream-skim low-risk borrowers and grant them larger, cheaper, and longer-term loans. These borrowers are not riskier than similar individuals already at commercial banks and only initially receive smaller loans. Our results suggest that the microfinance sector, together with a wellfunctioning credit reference bureau, help mitigate information frictions in credit markets.
Financial Inclusion Under The Microscope
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Author : Sumit Agarwal
language : en
Publisher: International Monetary Fund
Release Date : 2018-10-01
Financial Inclusion Under The Microscope written by Sumit Agarwal and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018-10-01 with Business & Economics categories.
We examine the impact of a large-scale microcredit expansion program on access to finance and the transition of first-time borrowers from microfinance institutions to the formal banking sector. Using administrative micro-data covering the universe of loans to individuals from a developing country, we show that the program significantly increased access to credit, particularly in less developed areas. This effect is driven by the newly set-up credit cooperatives (U-SACCOs), which grant loans to previously unbanked individuals. About 10\% of first-time U-SACCO borrowers that need a second loan switch to the formal banking sector, with commercial banks cream-skimming less risky borrowers from U-SACCOs and granting them larger, cheaper, and longer-term loans. These borrowers are not riskier than similar individuals already in the formal banking sector and only initially receive smaller loans. Our results suggest that the microfinance sector, together with a well functioning credit reference bureau, help mitigate information frictions in credit markets.
The Global Findex Database 2017
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Author : Asli Demirguc-Kunt
language : en
Publisher: World Bank Publications
Release Date : 2018-04-19
The Global Findex Database 2017 written by Asli Demirguc-Kunt and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018-04-19 with Business & Economics categories.
In 2011 the World Bank—with funding from the Bill and Melinda Gates Foundation—launched the Global Findex database, the world's most comprehensive data set on how adults save, borrow, make payments, and manage risk. Drawing on survey data collected in collaboration with Gallup, Inc., the Global Findex database covers more than 140 economies around the world. The initial survey round was followed by a second one in 2014 and by a third in 2017. Compiled using nationally representative surveys of more than 150,000 adults age 15 and above in over 140 economies, The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution includes updated indicators on access to and use of formal and informal financial services. It has additional data on the use of financial technology (or fintech), including the use of mobile phones and the Internet to conduct financial transactions. The data reveal opportunities to expand access to financial services among people who do not have an account—the unbanked—as well as to promote greater use of digital financial services among those who do have an account. The Global Findex database has become a mainstay of global efforts to promote financial inclusion. In addition to being widely cited by scholars and development practitioners, Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals. The database, the full text of the report, and the underlying country-level data for all figures—along with the questionnaire, the survey methodology, and other relevant materials—are available at www.worldbank.org/globalfindex.
Trades Quotes And Prices
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Author : Jean-Philippe Bouchaud
language : en
Publisher: Cambridge University Press
Release Date : 2018-03-22
Trades Quotes And Prices written by Jean-Philippe Bouchaud and has been published by Cambridge University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018-03-22 with Business & Economics categories.
A deep-dive into the heart of modern financial markets, the authors explore why and how people trade - and the consequences.
Financial Inclusion What Have We Learned So Far What Do We Have To Learn
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Author : Adolfo Barajas
language : en
Publisher:
Release Date : 2020-08-07
Financial Inclusion What Have We Learned So Far What Do We Have To Learn written by Adolfo Barajas and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020-08-07 with categories.
The past two decades have seen a rapid increase in interest in financial inclusion, both from policymakers and researchers. This paper surveys the main findings from the literature, documenting the trends over time and gaps that have arisen across regions, income levels, and gender, among others. It points out that structural, as well as policy-related, factors, such as encouraging banking competition or channeling government payments through bank accounts, play an important role, and describes the potential macro and microeconomic benefits that can be derived from greater financial inclusion. It argues that policy should aim to identify and reduce frictions holding back financial inclusion, rather than targeting specific levels of inclusion. Finally, it suggests areas for future research.
Household Finance
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Author : Sumit Agarwal
language : en
Publisher: Springer Nature
Release Date : 2020-10-07
Household Finance written by Sumit Agarwal and has been published by Springer Nature this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020-10-07 with Business & Economics categories.
Household finance studies is a relatively recent field, exploring a growing understanding of how households make financial decisions relating to the functions of consumption, payment, risk management, borrowing and investing; how institutions provide goods and services to satisfy these financial functions of households; and how interventions by firms, governments and other parties affect the provision of financial services. This timely book analyses existing findings about household behavior as well as findings related to policy interventions. With international case studies, this book reviews a topic of global importance and brings a crucial up-to-date survey of the field for researchers and postgraduate students.
A Practical Guide To Sec Proxy And Compensation Rules
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Author : Amy L. Goodman
language : en
Publisher: Wolters Kluwer
Release Date : 2010-10-05
A Practical Guide To Sec Proxy And Compensation Rules written by Amy L. Goodman and has been published by Wolters Kluwer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010-10-05 with Law categories.
A Practical Guide to SEC Proxy and Compensation Rules, Fifth Edition is designed to meet the special needs of corporate officers and other professionals who must understand and master the latest changes in compensation disclosure and related party disclosure rules, including requirements and initial SEC implementing rules under the Dodd-Frank Wall Street Reform and Consumer Protection Act. Current, comprehensive and reliable, the Guide prepares you to handle both common issues and unexpected situations. Contributions from the country's leading compensation and proxy experts analyze: Executive compensation tables Compensation disclosure and analysis Other proxy disclosure requirements E-proxy rules Executive compensation under IRC Section 162(m) And much more! Organized for quick, easy access to all the issues and areas youand’re likely to encounter in your daily work, A Practical Guide to SEC Proxy and Compensation Rules Dissects each compensation table individuallyand—the summary compensation table, the option and SAR tables, the long-term incentive plan tableand—and alerts you to the perils and pitfalls of each one Walks you through preparation of the Compensation Disclosure and Analysis Explains the latest interpretations under the SEC's shareholder proposal rule and institutional investor initiatives and what they mean for the coming proxy season Helps you tackle planning concerns that have arisen in the executive compensation context, including strategies for handling shareholder proposals regarding executive compensation and obtaining shareholder approval of stock option plans The Fifth Edition reflects the latest SEC and IRS regulations, guidance, interpretations and disclosure practices. It adds a new chapter focused on developments and practices relating to required public company and“say-on-payand” advisory votes pursuant to the Dodd-Frank Act. Another new chapter addresses director qualifications and Board leadership, diversity, and risk oversight disclosures. This one-volume guide will help you prepare required disclosures as well as make long-range plans that comply fully with regulations and positions taken by the SEC more quickly and completely than ever before. In addition, weand’ve updated the Appendices to bring you the latest rules and relevant primary source material.
How To Achieve Inclusive Growth
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Author : Valerie Cerra
language : en
Publisher: Oxford University Press
Release Date : 2022-01-22
How To Achieve Inclusive Growth written by Valerie Cerra 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 2022-01-22 with Business & Economics categories.
This is an open access title available under the terms of a CC BY-NC-ND 4.0 International licence. It is free to read at Oxford Scholarship Online and offered as a free PDF download from OUP and selected open access locations. Rising inequality and widespread poverty, social unrest and polarization, gender and ethnic disparities, declining social mobility, economic fragility, unbalanced growth due to technology and globalization, and existential danger from climate change are urgent global concerns of our day. These issues are intertwined. They therefore require a holistic framework to examine their interplay and bring the various strands together. Leading academic economists have partnered with experts from several international institutions to explain the sources and scale of these challenges. They gather a wide array of empirical evidence and country experiences to lay out practical policy solutions and to devise a comprehensive and unified plan of action for combatting these economic and social disparities. This authoritative book is accessible to policy makers, students, and the general public interested in how to craft a brighter future by building a sustainable, green, and inclusive society in the years ahead.
Dero Rising
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Author : Craig McKay
language : en
Publisher: PN&J Limited
Release Date : 2024-04-23
Dero Rising written by Craig McKay and has been published by PN&J Limited this book supported file pdf, txt, epub, kindle and other format this book has been release on 2024-04-23 with Business & Economics categories.
This bold, stark manifesto offers more than just an introductory insight into the crypto technology known as, Dero; it's a clarion call to those who dare to challenge the status quo, to those who scrutinise the monolithic power of banks and government with a critical eye. In a world teeming with uncertainty, where the digital and financial landscapes are constantly evolving, Dero Rising - The Crypto-Rebel's Guide to Financial Freedom emerges as a beacon for the disenfranchised, a guide for the rebels in the digital age. Drawing inspiration from the gritty resilience and the do-or-die ethos of Fallout's wasteland survivors, this book is not merely about cryptocurrency; it's a testament to the indomitable human spirit in the face of tyranny. With the crypto-rebellion gaining momentum, this book finds its place at the forefront, offering readers not just a glimpse into the obscure world of completely anonymous crypto at protocol level but furnishing them with the tools to wrestle their freedom from the jaws of an oppressive financial system. This is not just another cryptocurrency manuscript; it's a blueprint for insurgency, designed for those who feel cornered by the arbitrary rules of a rigged game they never agreed to play. Dero Rising also delves deep into the impending destruction of the American empire, the looming collapse of the dollar, and the all-seeing eye of the surveillance state that watches our every move, edging us closer to a digital tyranny with each passing day. The book argues that we're not just at the brink of a financial revolution but standing at a historical crossroads, where the fight for privacy, freedom, and autonomy against an increasingly autocratic regime is more critical than ever. The battle for your freedom is already underway, highlighting the urgent need to act against the encroaching shadows of oppression. Will you join the ranks and stand tall in the face of impending tyranny? The time to choose sides in this grand struggle is now. As we found out in the revelations from the film The Jones Plantation: "Slavery never went away, it was just rebranded as politics". Seize this moment to arm yourself with knowledge, to part the veils of deception and gaze into the unvarnished truth that Dero Rising offers. This is your rallying cry to break free from the invisible chains that bind you, to reclaim what has always been rightfully yours—your freedom, your privacy, your power. The battle lines are drawn—are you brave enough to take a stand?