Replicating Microfinance In The United States
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Replicating Microfinance In The United States
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Author : James H. Carr
language : en
Publisher: Woodrow Wilson Center Press
Release Date : 2002-06-28
Replicating Microfinance In The United States written by James H. Carr and has been published by Woodrow Wilson Center Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2002-06-28 with Business & Economics categories.
Microfinance was pioneered in the developing world as the lending of small amounts of money to entrepreneurs who lacked the kinds of credentials and collateral demanded by banks. Similar practices spread from the developing to the developed world, reversing the usual direction of innovation, and today several hundred microfinance institutions are operating in the United States. Replicating Microfinace in the United States reviews experiences in both developing and industrialized countries and extends the applications of microlending beyond enterprise to consumer finance, housing finance, and community development finance, concentrating especially on previously underserved households and their communities.
Bootstrap Dreams
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Author : Nancy Jurik
language : en
Publisher: Cornell University Press
Release Date : 2018-08-06
Bootstrap Dreams written by Nancy Jurik 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 2018-08-06 with Social Science categories.
Declines in real wages, increases in the number of poor families, and cutbacks to welfare and other safety-net programs have stimulated the popularity of microenterprise development programs (MDPs). These programs typically offer training and loans to individuals seeking to operate very small businesses. MDPs are often presented as a path to the self-sufficiency that comes with entrepreneurship and as an example of the success of market-based alternatives to government programs. In Bootstrap Dreams, Nancy C. Jurik analyzes the origins and maturation of these programs in the United States. Based on a national sample of fifty programs and an eight-year case study of one in particular, this is a rare book about microenterprise development. Jurik understands the positive social mission of MDPs, but she is not blind to the problems that they encounter. Jurik's clear perception of potential difficulties and her keen ability to place the microenterprise movement in the larger context of welfare reform and globalization make Bootstrap Dreams a valuable book.
The Economics Of Microfinance
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Author : Beatriz Armendariz
language : en
Publisher: MIT Press
Release Date : 2007
The Economics Of Microfinance written by Beatriz Armendariz and has been published by MIT Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2007 with Business & Economics categories.
An assessment of "the microfinance revolution" from an economics perspective that draws on lessons from academia and international practice to challenge conventional assumptions.
Microfinance And Financial Inclusion
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Author : Eugenia Macchiavello
language : en
Publisher: Routledge
Release Date : 2017-07-20
Microfinance And Financial Inclusion written by Eugenia Macchiavello and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017-07-20 with Business & Economics categories.
Following the recent global financial crisis there is a growing interest in alternative finance – and microfinance in particular – as new instruments for providing financial services in a socially responsible way or as an alternative to traditional banking. Nonetheless, correspondingly there is also a lack of clarity about how to regulate alternative financial methods particularly in light of the financial crisis’ lessons on regulatory failure and shadow banking’s risks. This book considers microfinance from a legal and regulatory perspective. Microfinance is the provision of a wide range of financial services, particularly credit but also remittances, savings, to low-income people or financially excluded people. It combines a business structure with social inspiration, often resorts to technological innovations to lower costs (Fintech: e.g. crowdfunding and mobile banking) and merges with traditional local experiences (e.g. financial cooperatives and Islamic finance), this further complicating the regulatory picture. The book describes some of the unique dimensions of microfinance and the difficulties that this can cause for regulators, through a comparative analysis of selected European Union (EU) countries’ regimes. The focus is in fact on the EU legal framework, with some references to certain developing world experiences where relevant. The book assesses the impact and validity of current financial regulation principles and rules, in light of the most recent developments and trends in financial regulation in the wake of the financial crisis and compares microfinance with traditional banking. The book puts forward policy recommendations for regulators and policy makers to help address the challenges and opportunities offered by microfinance.
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.
Microfinance In The United States
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Author : Aditi Krishnan
language : en
Publisher:
Release Date : 2009
Microfinance In The United States written by Aditi Krishnan and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009 with categories.
Research Anthology On Human Resource Practices For The Modern Workforce
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Author : Management Association, Information Resources
language : en
Publisher: IGI Global
Release Date : 2021-12-30
Research Anthology On Human Resource Practices For The Modern Workforce written by Management Association, Information Resources and has been published by IGI Global this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021-12-30 with Business & Economics categories.
Human resource departments have been a crucial part of business practices for decades and particularly in modern times as professionals deal with multigenerational workers, diversity initiatives, and global health and economic crises. There is a necessity for human resource departments to change as well to adapt to new societal perspectives, technology, and business practices. It is important for human resource managers to keep up to date with all emerging human resource practices in order to support successful and productive organizations. The Research Anthology on Human Resource Practices for the Modern Workforce presents a dynamic and diverse collection of global practices for human resource departments. This anthology discusses the emerging practices as well as modern technologies and initiatives that affect the way human resources must be conducted. Covering topics such as machine learning, organizational culture, and social entrepreneurship, this book is an excellent resource for human resource employees, managers, CEOs, employees, business students and professors, researchers, and academicians.
A Research Agenda For Financial Inclusion And Microfinance
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Author : Marek Hudon
language : en
Publisher: Edward Elgar Publishing
Release Date : 2019
A Research Agenda For Financial Inclusion And Microfinance written by Marek Hudon and has been published by Edward Elgar Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019 with Business & Economics categories.
How can financial services, such as credit, deposit accounts, financial transfers, and insurance be provided to people in need? This challenging and complex issue has been a topic of interest for the international aid community for decades. Drawing on renowned experts in microfinance and financial inclusion, this Research Agenda sheds much-needed light on this multifaceted challenge and points the way ahead for future research.
The Promise Of Welfare Reform
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Author : Elizabeth Segal
language : en
Publisher: Routledge
Release Date : 2006-05-17
The Promise Of Welfare Reform written by Elizabeth Segal and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2006-05-17 with Medical categories.
Find out how—and why—legislation has made economic rights more important than human rights Since 1996, politicians and public officials in the United States have celebrated the “success” of welfare reform legislation despite little, if any, evidence to support their claims. The Promise of Welfare Reform: Political
Women And Politics Around The World 2 Volumes
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Author : Joyce Gelb
language : en
Publisher: Bloomsbury Publishing USA
Release Date : 2009-03-30
Women And Politics Around The World 2 Volumes written by Joyce Gelb and has been published by Bloomsbury Publishing USA this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009-03-30 with Social Science categories.
A unique two-volume examination of the progress women have made in achieving political equality, Women and Politics around the World addresses both transnational and gender-related issues as well as specific conditions in more than 20 countries. Women and Politics around the World: A Comparative History and Survey is an exploration of the role of women in political systems worldwide, as well as an examination of how government actions in various countries have an impact on the lives of the female population. Women and Politics around the World divides its coverage into two volumes. The first looks at such crucial issues facing women today as health policy, civil rights, and education, comparing conditions around the world. The second volume profiles 22 different countries, representing a broad range of governments, economies, and cultures. Each profile looks at the history and current state of women's political and economic participation in a particular country, and includes an in-depth look at a representative policy. The result is a resource unlike any other—one that gives students, researchers, and other interested readers a fresh new way of investigating a truly global issue.