The Building Society Promise
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The Building Society Promise
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Author : Antoninus Samy
language : en
Publisher: Oxford University Press
Release Date : 2016-08-18
The Building Society Promise written by Antoninus Samy 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 2016-08-18 with History categories.
The permanent building societies of England grew from humble beginnings as a multitude of small and localized institutions in the nineteenth century to become the dominant players in the house mortgage market by the inter-war period. Throughout the nineteenth and early-twentieth centuries, the movement cultivated an image of being a champion of home ownership for the working classes, but housing historians have questioned whether building societies really lived up to this claim. This study fills a major gap in the historiography of the movement by investigating the class profile of building society members, and how the design of different building societies affected their accessibility, efficiency, and risk-taking practices between 1880 and 1939. These themes are explored using case studies of several building societies from this period and drawing upon extensive archival records. The Building Society Promise shows that building societies did lend to working-class households before the First and Second World Wars, with some societies showing a greater commitment to working-class home ownership than others. What ultimately affected the outreach of individual societies was the quality of information they possessed, which in turn was largely determined by the types of agency networks they used to find and select borrowers. The phenomenal growth of some of these institutions in the inter-war period, however, and the ensuing competition which emerged between them, brought about profound changes in their firm structure which impaired their ability to reach out to lower-income households as efficiently as before. The findings of this research are relevant to both past and present debates about the optimal design of financial institutions in overcoming social exclusion in credit markets, and the deleterious effects that firm growth, market competition, and managerial self-interest can have on their performance and stability.
The Building Society Promise
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Author : Antoninus Samy
language : en
Publisher: Oxford University Press
Release Date : 2016
The Building Society Promise written by Antoninus Samy 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 2016 with Business & Economics categories.
The Building Society Promise explores the accessibility of the early building society movement to working-class households before the Second World War. The study examines the historical records of building societies which existed in the past and reconstructs their mortgage portfolios to investigate the kinds of people that were buying houses with the help of building society finance during this period. Antoninus Samy shows how the accessibility ofdifferent building societies primarily depended upon the how individual societies were designed to do business, which in turn also affected their efficiency and stability. Societies that were small and highlylocalized (or large societies that had agency networks that were closely knit with the communities they served) were more likely to be accessible, efficient and stable, than larger societies that operated no differently than impersonal corporate banks.
The Building Society Promise
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Author : Luke Samy
language : en
Publisher:
Release Date : 2011
The Building Society Promise written by Luke Samy and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011 with Risk categories.
The Building Society Promise
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Author : Luke Samy
language : en
Publisher:
Release Date : 2011
The Building Society Promise written by Luke Samy and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011 with categories.
The Exchequer Reports
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Author : Great Britain. Court of Exchequer
language : en
Publisher:
Release Date : 1874
The Exchequer Reports written by Great Britain. Court of Exchequer and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1874 with Law reports, digests, etc categories.
Albany Law Journal
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Author :
language : en
Publisher:
Release Date : 1876
Albany Law Journal written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1876 with Law categories.
A New System And Its Advantages The Building Society For The Million Also Alterations And Additions To Rules
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Author : National Self-Help Permanent Building Society (LONDON)
language : en
Publisher:
Release Date : 1885
A New System And Its Advantages The Building Society For The Million Also Alterations And Additions To Rules written by National Self-Help Permanent Building Society (LONDON) and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1885 with categories.
Reports Of All The Cases Decided By All The Superior Courts Relating To Magistrates Municipal And Parochial Law
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Author : Great Britain. Magistrates' cases
language : en
Publisher:
Release Date : 1871
Reports Of All The Cases Decided By All The Superior Courts Relating To Magistrates Municipal And Parochial Law written by Great Britain. Magistrates' cases and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1871 with Justices of the peace categories.
A Treatise Upon The Law Of Principal And Agent In Contract And Tort
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Author : William Evans
language : en
Publisher:
Release Date : 1878
A Treatise Upon The Law Of Principal And Agent In Contract And Tort written by William Evans and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1878 with Agency (Law) categories.
The Law Times
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Author :
language : en
Publisher:
Release Date : 1876
The Law Times written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1876 with Law categories.