Financial Citizenship
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Financial Citizenship
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Author : Annelise Riles
language : en
Publisher: Cornell University Press
Release Date : 2018-07-15
Financial Citizenship written by Annelise Riles and has been published by Cornell University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018-07-15 with Business & Economics categories.
Government bailouts; negative interest rates and markets that do not behave as economic models tell us they should; new populist and nationalist movements that target central banks and central bankers as a source of popular malaise; new regional organizations and geopolitical alignments laying claim to authority over the global economy; households, consumers, and workers facing increasingly intolerable levels of inequality: These dramatic conditions seem to cry out for new ways of understanding the purposes, roles, and challenges of central banks and financial governance more generally. Financial Citizenship reveals that the conflicts about who gets to decide how central banks do all these things, and about whether central banks are acting in everyone’s interest when they do them, are in large part the product of a culture clash between experts and the various global publics that have a stake in what central banks do. Experts—central bankers, regulators, market insiders, and their academic supporters—are a special community, a cultural group apart from many of the communities that make up the public at large. When the gulf between the culture of those who govern and the cultures of the governed becomes unmanageable, the result is a legitimacy crisis. This book is a call to action for all of us—experts and publics alike—to address this legitimacy crisis head on, for our economies and our democracies.
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.
Intersections Of Financial Literacy Citizenship And Spirituality
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Author : Thomas A. Lucey
language : en
Publisher: Emerald Group Publishing
Release Date : 2019-10-24
Intersections Of Financial Literacy Citizenship And Spirituality written by Thomas A. Lucey and has been published by Emerald Group Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019-10-24 with Education categories.
Through art-based instructional processes that stimulate students' affective awareness, it encourages facilitation of compassionate environments founded on principles of selflessness and will prove invaluable for researchers, leaders and practitioners in the field of social education.
Too Much Of A Good Thing Prudent Management Of Inflows Under Economic Citizenship Programs
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Author : Xin Xu
language : en
Publisher: International Monetary Fund
Release Date : 2015-05-01
Too Much Of A Good Thing Prudent Management Of Inflows Under Economic Citizenship Programs written by Xin Xu 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 2015-05-01 with Business & Economics categories.
Economic Citizenship Programs (ECPs) have recently been proliferating, with large and potentially volatile inflows of investment and fiscal revenues generating significant benefits for small economies, but also posing substantial challenges. This paper discusses recent developments and implications of such programs for fiscal discipline and the real economy, including risks to macroeconomic and financial stability, with a focus on small state economies. It discusses the prudent management of these programs, overviews strategies to minimize risks to various sectors, and addresses potential governance and integrity challenges. The paper proposes a framework for managing inflows and savings from ECPs to contain macroeconomic risks, and it recommends the establishment of a sovereign wealth fund (SWF) where such revenues are large and persistent.
The Financialisation Of The Citizen
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Author : Guido Comparato
language : en
Publisher: Bloomsbury Publishing
Release Date : 2018-08-23
The Financialisation Of The Citizen written by Guido Comparato and has been published by Bloomsbury Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018-08-23 with Law categories.
This book discusses the role of private law as an instrument to produce financial and social inclusion in a context characterised by the redefinition of the role of the State and by the financialisation of society. By depicting the political and economic developments behind the popular idea of financial inclusion, the book deconstructs that notion, illustrating the existence and interaction of different discourses surrounding it. The book further traces the evolution of inclusion, specifically in the European context, and thus moves on to analyse the legal rules which are most relevant for the purposes of bringing about the financialisation of the citizen. Hence, the author focuses more on four highly topical areas: access to a bank account, access to credit, over indebtedness, and financial education. Adopting a critical and inter-disciplinary approach, The Financialisation of the Citizen takes the reader through a top-down journey starting from the political economy of financialisation, to the law and policy of the European Union, and finally to more specific private law rules.
Financialization Financial Literacy And Social Education
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Author : Thomas A. Lucey
language : en
Publisher: Routledge
Release Date : 2021-09-30
Financialization Financial Literacy And Social Education written by Thomas A. Lucey and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021-09-30 with Business & Economics categories.
The objective of this book is to prompt a re-examination of financial literacy, its social foundations, and its relationship to citizenship education. The collection includes topics that concern indigenous people’s perspectives, critical race theory, and transdisciplinary perspectives, which invite a dialogue about the ideologies that drive traditional and critical perspectives. This volume offers readers opportunities to learn about different views of financial literacy from a variety of sociological, historical and cultural perspectives. The reader may perceive financial literacy as representing a multifaceted concept best interpreted through a non-segregated lens. The volume includes chapters that describe groundings for revising standards, provide innovative teaching concepts, and offer unique sociological and historical perspectives. This book contains 13 chapters, with each one speaking to a distinctive topic that, taken as a whole, offers a well-rounded vision of financial literacy to benefit social education, its research, and teaching. Each chapter provides a response from an alternative view, and the reader can also access an eResource featuring the authors’ rejoinders. It therefore offers contrasting visions about the nature and purpose of financial education. These dissimilar perspectives offer an opportunity for examining different social ideologies that may guide approaches to financial literacy and citizenship, along with the philosophies and principles that shape them. The principles that teach and inform about financial literacy defines the premises for base personal and community responsibility. The work invites researchers and practitioners to reconsider financial literacy/financial education and its social foundations. The book will appeal to a range of students, academics and researchers across a number of disciplines, including economics, personal finance/personal economics, business ethics, citizenship, moral education, consumer education, and spiritual education.
The Globalisation Of Finance
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Author : Kavaljit Singh
language : en
Publisher:
Release Date : 1999
The Globalisation Of Finance written by Kavaljit Singh and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1999 with Business & Economics categories.
Provides a sample guide to understand the language and world of finance and discusses the recent experiences of developing countries with global finance capital that was India's experience.
Open Financial Data
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Author : Samuel S. Lee
language : en
Publisher: World Bank Publications
Release Date :
Open Financial Data written by Samuel S. Lee 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 with categories.
Conventional methods of measuring and gauging activity around open data6 seem incomplete and unsatisfying, and are mostly focused on online interaction. Unearthing additional elements and exploring the measurement of demand further would help increase understanding, inform the continued practical growth of open data efforts and activities, and hopefully result in more relevant, accessible, and widely used data. Data that is more widely used is more likely to serve as the foundation for positive reforms and changes at the local level. There is growing potential and evidence of citizens using open data in interacting with local officials and development professionals to help monitor and improve the delivery and efficiency of public goods and services. Open financial data whether it is financing, budgeting, spending, or procurement information is a logical and fertile entry point for this type of citizen-driven accountability.
Financial Literacy Education
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Author : Chris Arthur
language : en
Publisher: Springer Science & Business Media
Release Date : 2012-10-13
Financial Literacy Education written by Chris Arthur and has been published by Springer Science & Business Media this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012-10-13 with Education categories.
Consumer financial literacy education often appears as a helpful, commonsense solution to neoliberalism and the individualization of responsibility for economic risk. However, in Financial Literacy Education: Neoliberalism, the Consumer and the Citizen this particular literacy is argued to be both ineffective and unjust. Socially created poverty, unemployment and economic insecurity require more than individual consumer solutions; they require collective responses by engaged, critical citizens. Utilizing concepts from Marx, Foucault, Bourdieu and Baudrillard this book challenges those who claim that ‘there is no alternative’ to neoliberal insecurity and reduce education to a consumerist training of entrepreneurial consumer-citizens who can continually invest in themselves and the market. Through an analysis of consumer fi nancial literacy education’s present and historical supports, as well as its likely effects, this book argues that the choice before us is not fi nancial illiteracy or fi nancial literacy. Rather, the choice is between subjugation to the requirements of perpetual competition or overcoming alienation, insecurity and exploitation, aims the critical fi nancial literacy education outlined at the end of this book supports. This book will appeal to those interested in understanding the conditions of our freedom in an increasingly fi nancialized world – critical educators, philosophers and sociologists of education and fi nancial literacy researchers.
Building Tax Culture Compliance And Citizenship A Global Source Book On Taxpayer Education Second Edition
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Author : OECD
language : en
Publisher: OECD Publishing
Release Date : 2021-11-24
Building Tax Culture Compliance And Citizenship A Global Source Book On Taxpayer Education Second Edition 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 2021-11-24 with categories.
Widespread voluntary tax compliance plays a significant role in countries’ efforts to raise the revenues necessary to achieve Sustainable Development Goals. As part of this process, governments are increasingly reaching out to taxpayers – current and future – to teach, communicate and assist them in order to foster a “culture of compliance” based on rights and responsibilities, in which citizens see paying taxes as an integral aspect of their relationship with their government.