Providing Access To Affordable Credit To The Poor
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Credit Schemes For The Rural Poor
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Author : S. Tilakaratna
language : en
Publisher:
Release Date : 1996
Credit Schemes For The Rural Poor written by S. Tilakaratna and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1996 with Agricultural credit categories.
Credit Markets For The Poor
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Author : Patrick Bolton
language : en
Publisher: Russell Sage Foundation
Release Date : 2005-06-30
Credit Markets For The Poor written by Patrick Bolton 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 2005-06-30 with Social Science categories.
Access to credit is an important means of providing people with the opportunity to make a better life for themselves. Loans are essential for most people who want to purchase a home, start a business, pay for college, or weather a spell of unemployment. Yet many people in poor and minority communities—regardless of their creditworthiness—find credit hard to come by, making the climb out of poverty extremely difficult. How dire are the lending markets in these communities and what can be done to improve access to credit for disadvantaged groups? In Credit Markets for the Poor, editors Patrick Bolton and Howard Rosenthal and an expert team of economists, political scientists, and legal and business scholars tackle these questions with shrewd analysis and a wealth of empirical data. Credit Markets for the Poor opens by examining what credit options are available to poor households. Economist John Caskey profiles how weak credit options force many working families into a disastrous cycle of short-term, high interest loans in order to sustain themselves between paychecks. Löic Sadoulet explores the reasons that community lending organizations, which have been so successful in developing countries, have failed in more advanced economies. He argues the obstacles that have inhibited community lending groups in industrialized countries—such as a lack of institutional credibility and the high cost of establishing lending networks—can be overcome if banks facilitate the community lending process and establish a system of repayment insurance. Credit Markets for the Poor also examines how legal institutions affect the ability of the poor to borrow. Daniela Fabbri and Mario Padula argue that well-meaning provisions making it more difficult for lenders to collect on defaulted loans are actually doing a disservice to the poor in credit markets. They find that in areas with lax legal enforcement of debt agreements, credit markets for the poor are underdeveloped because lenders are unwilling to take risks on issuing credit or will do so only at exorbitant interest rates. Timothy Bates looks at programs that facilitate small-business development and finds that they have done little to reduce poverty. He argues that subsidized business creation programs may lure inexperienced households into entrepreneurship in areas where little profitable investment is possible, hence setting them up for failure. With clarity and insightful analysis, Credit Markets for the Poor demonstrates how weak credit markets are impeding the social and economic mobility of the needy. By detailing the many disadvantages that impoverished people face when seeking to borrow, this important new volume highlights a significant national problem and offers solutions for the future.
Finance Against Poverty
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Author : Hulme David
language : en
Publisher: Routledge
Release Date : 2005-08-12
Finance Against Poverty written by Hulme David and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2005-08-12 with Business & Economics categories.
In two volumes these books review and expand the theory that poverty in the world's poorest regions could be alleviated by providing small loans to micro-entrepreneurs. Volume 1 provides detailed analysis of this theory and offers policy recommendations for practitioners in this field. Volume 2 presents empirical evidence drawn from comparative experiences in seven developing countries. The work assesses the success of this policy and provides some startling conclusions. This is essential reading for all those interested in development, poverty-reduction, social welfare and finance.
Combat Poverty Agency Submission To The European Commission On Ensuring Access To A Basic Bank Account 2009
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Author :
language : en
Publisher: Combat Poverty Agency
Release Date :
Combat Poverty Agency Submission To The European Commission On Ensuring Access To A Basic Bank Account 2009 written by and has been published by Combat Poverty Agency this book supported file pdf, txt, epub, kindle and other format this book has been release on with categories.
Debtfare States And The Poverty Industry
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Author : Susanne Soederberg
language : en
Publisher: Routledge
Release Date : 2014-09-19
Debtfare States And The Poverty Industry written by Susanne Soederberg and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014-09-19 with Political Science categories.
WINNER of the BISA IPEG Book Prize 2015 http://www.bisa-ipeg.org/ipeg-book-prize-2015-winner-announced/ Under the rubric of ‘financial inclusion’, lending to the poor –in both the global North and global South –has become a highly lucrative and rapidly expanding industry since the 1990s. A key inquiry of this book is what is ‘the financial’ in which the poor are asked to join. Instead of embracing the mainstream position that financial inclusion is a natural, inevitable and mutually beneficial arrangement, Debtfare States and the Poverty Industry suggests that the structural violence inherent to neoliberalism and credit-led accumulation have created and normalized a reality in which the working poor can no longer afford to live without expensive credit. The book further transcends economic treatments of credit and debt by revealing how the poverty industry is extricably linked to the social power of money, the paradoxes in credit-led accumulation, and ‘debtfarism’. The latter refers to rhetorical and regulatory forms of governance that mediate and facilitate the expansion of the poverty industry and the reliance of the poor on credit to augment/replace their wages. Through a historically grounded analysis, the author examines various dimensions of the poverty industry ranging from the credit card, payday loan, and student loan industries in the United States to micro-lending and low-income housing finance industries in Mexico. Providing a much-needed theorization of the politics of debt, Debtfare States and the Poverty Industry has wider implications of the increasing dependence of the poor on consumer credit across the globe, this book will be of very strong interest to students and scholars of Global Political Economy, Finance, Development Studies, Geography, Law, History, and Sociology. The Open Access version of this book, available at http://www.taylorfrancis.com/books/e/9781315761954, has been made available under a Creative Commons Attribution-Non Commercial-No Derivatives 4.0 license. https://www.youtube.com/watch?v=2lU6PHjyOzU
Affordable Credit
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Author : Collard, Sharon
language : en
Publisher: Policy Press
Release Date : 2005-02-09
Affordable Credit written by Collard, Sharon and has been published by Policy Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2005-02-09 with Political Science categories.
The poor pay more for many things but, arguably, it is the extra they pay for credit that puts the greatest strain on their budgets. This report looks beyond the rhetoric that has dominated much of the debate on high-cost credit to examine the scope for widening access to more affordable credit. The report explores what people on low incomes want from a credit source. It also analyses the constraints on lending to poor people. It looks at the scope for reducing the costs of lending and widening access to more affordable credit, and estimates the scale of demand for affordable credit. This report should be read by commercial and not-for-profit lenders, campaigners, policymakers and anyone studying or researching issues around poverty and financial exclusion.
Fiery Dragons
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Author : Sean Turnell
language : en
Publisher: NIAS Press
Release Date : 2009
Fiery Dragons written by Sean Turnell and has been published by NIAS Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009 with Business & Economics categories.
This book tells the story of Burma's financial system - of its banks, moneylenders and 'microfinanciers' - from colonial times to the present day. It argues that Burma's financial system matters, and that the careful study of this system can tell us something more general about Burma - not least about how the richest country in Southeast Asia at the dawn of the twentieth century, became the poorest at the dawn of the twenty-first. While financial systems and institutions matter in all countries, Turnell argues that they especially count in Burma as events in the financial and monetary sphere have been unusually, spectacularly, prominent in Burma's turbulent modern history. The story of Burma's financial system and its players is one that has shaped the country. It is a dramatic story of interest beyond the confines of economics and development studies.
Financial Inclusion For Poverty Alleviation
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Author : Essam Yassin Mohammed
language : en
Publisher: Routledge
Release Date : 2017-12-12
Financial Inclusion For Poverty Alleviation written by Essam Yassin Mohammed and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017-12-12 with Business & Economics categories.
More than one billion people still live below the poverty line – most of them in South Asia and Sub-Saharan Africa. Financial inclusion is a major issue, as more than three-quarters of the numbers of poor and disadvantaged women and men do not have access to financial products and services, such as bank accounts, affordable and suitable loans, and insurance. The key objective of this book is to provide practical case studies of financial inclusion, rather than focus on academic debates such as the ideological basis of promoting microfinance. Using the recently adopted Sustainable Development Goals as an overall framing of the issues, it shows how poor and disadvantaged women and men can be bankable if the right facilitation for maximizing opportunities and addressing constraints are in place. Case studies confirm that achieving inclusive and sustainable access to financial products and services goes beyond simply enabling poor and disadvantaged women and men to have access to credit, or the ability to open a bank account. Examples from Africa, Asia and Latin America demonstrate encouraging progress in making microcredit accessible to millions of poor people. The foremost challenge, however, has been to ensure that they have access to, and usage intensity of, suitable and affordable financial products and services that meet the needs of their livelihoods as well as risks and mitigation strategies. This requires understanding that poor and disadvantaged women and men do not exist in isolation from complex and interdependent functions in the financial system, which includes a number of actors, diversified services, constraints (not just symptoms) and capacities and incentives. Overall, the book provides a rich source of examples of how building inclusive financial systems can empower the world's poor – by increasing income and employment opportunities, securing livelihoods and reducing poverty.
Yearbook Of The United Nations 50th Anniversary Edition 1945 1995
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Author : United Nations
language : en
Publisher: Martinus Nijhoff Publishers
Release Date : 2023-07-24
Yearbook Of The United Nations 50th Anniversary Edition 1945 1995 written by United Nations and has been published by Martinus Nijhoff Publishers this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023-07-24 with Law categories.
'Through a combination of narrative and key historical documents, this Special Edition of the Yearbook offers a picture of the United Nations' extraordinary achievements over the past fifty years', observes Secretary-General of the UN, Dr Boutros Boutros-Ghali in his Foreword to the book. Fully indexed, this Special Edition of the Yearbook recounts the early initiatives that led to the adoption of the Charter of the UN on 25 June 1945 at San Francisco. It captures the major issues and more, and highlights the lasting milestones of the 50 years of UN history, projecting the imperatives of the organization into the next century.
Combat Poverty Agency Policy Statement Tackling Financial Exclusion In Ireland 2008
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Author :
language : en
Publisher: Combat Poverty Agency
Release Date :
Combat Poverty Agency Policy Statement Tackling Financial Exclusion In Ireland 2008 written by and has been published by Combat Poverty Agency this book supported file pdf, txt, epub, kindle and other format this book has been release on with categories.