Financing Low Income Communities
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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.
Health Financing For Poor People
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Author : Alexander S. Preker
language : en
Publisher: World Bank Publications
Release Date : 2004
Health Financing For Poor People written by Alexander S. Preker 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 2004 with Medical categories.
One of the most urgent development challenges facing many low and middle income countries is the need for adequate financing systems to pay for health care provision to the estimated 1.3 billion impoverished people living in rural areas or working in the informal sector in urban areas. This publication considers ways of improving the financing of health care at low income levels, as part of a global strategy for increased investment in health and poverty reduction. Topics discussed include: global and regional trends in healthcare financing; strengths and weaknesses of community-based health financing, and experiences in Asia and Africa; country case studies using household survey analysis from Senegal, Rwanda, India and Thailand; deficit financing; and the impact of risk sharing on achieving health system goals.
Housing Finance For Low Income Groups
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Author : N. O. Jorgensen
language : en
Publisher:
Release Date : 1977
Housing Finance For Low Income Groups written by N. O. Jorgensen and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1977 with Developing countries categories.
Housing Finance In Emerging Markets
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Author : Doris Köhn
language : en
Publisher: Springer Science & Business Media
Release Date : 2011-01-21
Housing Finance In Emerging Markets written by Doris Köhn 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 2011-01-21 with Business & Economics categories.
The growth of urban areas and population in middle and low income countries is a continuing trend. Urbanization expands as rural to urban migration offers better income opportunities in cities. This trend is both a source of development opportunities and challenges for the housing sector. On the one hand, housing is a large and growing market, and on the other, massive slums confirm the poor housing conditions in many developing countries. These adverse conditions mirror inadequate housing policies, inefficient or absent property registration, as well as limits to access to housing finance. Provision of affordable housing is therefore an important topic in the fight against poverty. This book focuses on solutions that improve the enabling environment for the poor in accessing housing finance. It explores how to develop and integrate housing finance into a sustainable financial system for developing countries and offers ways in which low-income families can obtain better access to housing finance. This book provides a conceptual framework for housing finance development and addresses practical solutions in the provision of housing finance and compares different approaches.
Financing Affordable Social Housing In Europe
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Author : Michael Oxley
language : en
Publisher: UN-HABITAT
Release Date : 2009
Financing Affordable Social Housing In Europe written by Michael Oxley and has been published by UN-HABITAT this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009 with Europe categories.
Sustainable Housing Finance For Low Income Groups
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Author : Daphne Frank
language : en
Publisher: Nomos Verlagsgesellschaft
Release Date : 2008
Sustainable Housing Finance For Low Income Groups written by Daphne Frank and has been published by Nomos Verlagsgesellschaft this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008 with Business & Economics categories.
Achieving sustainable housing finance is a daunting goal for an increasing number of countries around the world. Time and again, this proves to be a challenge, particularly for programs that support low-income groups. The failure of government support can have devastating consequences and places added constraints on opportunities for social and economic development. This book investigates the institutional, financial, and social conditions that are necessary for housing programs to effectively address the increasing demand for shelter. Particular emphasis is placed on social networks as a critical component of sustainability. The book proposes an analytical model that illustrates the complexity of relationships and interactions between the diverse actors that participate, contest, and coalesce in and around housing finance programs. Drawing from a rich international experience - with six case studies from Chile, Ecuador, South Africa, and Thailand - it covers a wide range of organizational arrangements. The author demonstrates that the provision and continuity of housing solutions rest fundamentally on community groups and their social networks, with self-sufficiency in organizational capacity and resource management being paramount.
Non Conventional Financing Of Housing For Low Income Households
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Author : United Nations. Department of International Economic and Social Affairs
language : en
Publisher: New York : United Nations
Release Date : 1978
Non Conventional Financing Of Housing For Low Income Households written by United Nations. Department of International Economic and Social Affairs and has been published by New York : United Nations this book supported file pdf, txt, epub, kindle and other format this book has been release on 1978 with Political Science categories.
Making Housing Finance Accessible To Low Income Communities
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Author : National Housing Finance Corporation (South Africa)
language : en
Publisher:
Release Date : 2001
Making Housing Finance Accessible To Low Income Communities written by National Housing Finance Corporation (South Africa) and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2001 with Housing categories.
Financing Early Childhood Facilities
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Author : California. Task Force on Financing Early Childhood Facilities in Low-Income Communities
language : en
Publisher:
Release Date : 1996
Financing Early Childhood Facilities written by California. Task Force on Financing Early Childhood Facilities in Low-Income Communities and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1996 with Children categories.
The Community Development Financial Institutions Fund
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Author : Andre L. Wright
language : en
Publisher: Nova Science Publishers
Release Date : 2013
The Community Development Financial Institutions Fund written by Andre L. Wright and has been published by Nova Science Publishers this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013 with Federal aid to community development categories.
As communities face a variety of economic challenges, some are looking to local banks and financial institutions for solutions that address the specific development needs of low-income and distressed communities. Community development financial institutions (CDFIs) provide financial products and services, such as mortgage financing for homebuyers and not-for-profit developers, underwriting and risk capital for community facilities; technical assistance; and commercial loans and investments to small, start-up, or expanding businesses. CDFIs include regulated institutions, such as community development banks and credit unions, and non-regulated institutions, such as loan and venture capital funds. This book describes the Fund's history, current appropriations, and each of its programmes.