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Where Credit Is Due

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Where Credit Is Due

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Author : Gregory Smith
language : en
Publisher: Hurst Publishers
Release Date : 2021-09-15

Where Credit Is Due written by Gregory Smith and has been published by Hurst Publishers this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021-09-15 with Business & Economics categories.

Borrowing is a crucial source of financing for governments all over the world. If they get it wrong, then debt crises can bring progress to a halt. But if it’s done right, investment happens and conditions improve. African countries are seeking calmer capital, to raise living standards and give their economies a competitive edge. The African debt landscape has changed radically in the first two decades of the twenty-first century. Since the clean slate of extensive debt relief, states have sought new borrowing opportunities from international capital markets and emerging global powers like China. The new debt composition has increased risk, exacerbated by the coronavirus pandemic: richer countries borrowed at rock-bottom interest rates, while Africa faced an expensive jump in indebtedness. The escalating debt burden has provoked calls by the G20 for suspension of debt payments. But Africa’s debt today is highly complex, and owed to a wider range of lenders. A new approach is needed, and could turn crisis into opportunity. Urgent action by both lenders and borrowers can reduce risk, while carefully preserving market access; and smart deployment of private finance can provide the scale of investment needed to achieve development goals and tackle the climate emergency.

Where Credit Is Due

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Author : John Powell
language : en
Publisher: Bloomsbury Publishing PLC
Release Date : 2013-11-21

Where Credit Is Due written by John Powell and has been published by Bloomsbury Publishing PLC this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013-11-21 with Business & Economics categories.

While much recent attention has been focused on the subprime lending and foreclosure crisis, little has been said about its radically-disparate impact. Drawing upon history as well as insight into the current crisis, this book shows that this crisis is not an anomaly, especially for people of color; nor is it over. People of color have been excluded from wealth-building opportunities via homeownership continuously throughout United States history, from the outright denial of credit and residential racial discrimination, to federally-sponsored urban renewal programs. The subprime lending and foreclosure crisis is predicted to strip a quarter of a trillion dollars in wealth from black and Latino homeowners. It has reversed home ownership gains for people of color and has decimated neighborhoods across the United States while impacting local, regional, national, and international economies. The consequences are devastating. This collection of essays provides a framework for creating equitable policy and ultimately building more stable communities for all Americans.

Where Credit Is Due

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Author : Gregory Smith
language : en
Publisher: Oxford University Press
Release Date : 2021-12-01

Where Credit Is Due written by Gregory Smith 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 2021-12-01 with Business & Economics categories.

Borrowing is a crucial source of financing for governments all over the world. If they get it wrong, then debt crises can bring progress to a halt. But if it's done right, investment happens and conditions improve. African countries are seeking calmer capital, to raise living standards and give their economies a competitive edge. The African debt landscape has changed radically in the first two decades of the twenty-first century. Since the clean slate of extensive debt relief, states have sought new borrowing opportunities from international capital markets and emerging global powers like China. The new debt composition has increased risk, exacerbated by the 2020 coronavirus pandemic: richer countries borrowed at rock-bottom interest rates, while Africa faced an expensive jump in indebtedness. The escalating debt burden has provoked calls by the G20 for suspension of debt payments. But Africa's debt today is highly complex, and owed to a wider range of lenders. A new approach is needed, and could turn crisis into opportunity. Urgent action by both lenders and borrowers can reduce risk, while carefully preserving market access; and smart deployment of private finance can provide the scale of investment needed to achieve development goals and tackle the climate emergency.

The Oxford Dictionary Of Proverbs

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Author : Jennifer Speake
language : en
Publisher: Oxford University Press, USA
Release Date : 2015

The Oxford Dictionary Of Proverbs written by Jennifer Speake and has been published by Oxford University Press, USA this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015 with Language Arts & Disciplines categories.

This unique and thoroughly revised collection contains over 1,100 of the most widely used proverbs in English, drawing on the resources of the Oxford Languages team for the most up-to-date research. Lively and compelling, it is filled with favourites - old and new - with a strong emphasis on meanings of proverbs catalogued.

A Dictionary Of Proverbs

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Author : Jennifer Speake
language : en
Publisher: OUP Oxford
Release Date : 2008-10-23

A Dictionary Of Proverbs written by Jennifer Speake and has been published by OUP Oxford this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008-10-23 with Reference categories.

This unique and authoritative dictionary contains over 1,100 of the most widely used proverbs in English and uses research from the Oxford English Corpus, the world's largest language databank. This edition has been revised and fully updated and includes numerous entirely new entries. It also features expanded coverage of foreign language proverbs currently in use in English. With an emphasis on examples of usage, including the earliest written evidence of its use, this A-Z guide provides a thorough - and fascinating - history for every entry. Arranged in A-Z format and with a useful thematic index, A Dictionary of Proverbs is ideal for browsing and perfectly suited for quick reference. Look up your old favourites, learn punchy new expressions to get your point across, and find the answer to that crossword clue. Seeing is believing: find proverbs relevant to every aspect of life in this entertaining and informative collection.

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.