A Credit To Their Community

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Credit to the Community

Author : Dan Immergluck
Publisher : Routledge
ISBN 13 : 131549812X
Total Pages : 329 pages
Book Rating : 4.3/5 (154 download)

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Book Synopsis Credit to the Community by : Dan Immergluck

Download or read book Credit to the Community written by Dan Immergluck and published by Routledge. This book was released on 2016-07-08 with total page 329 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book provides the most comprehensive examination of community reinvestment and fair lending problems and policies currently available. It outlines the history of lending discrimination and redlining in U.S. mortgage and small business lending markets, and documents the persistence of such problems today. The author explains the role that government has played in developing banking and credit markets in the United States, from the creation of Alexander Hamilton's First Bank of the United States to the ongoing support government provides through the subsidization of secondary markets and through maintenance of critical regulatory infrastructure. Immergluck takes issue with those calling for deregulation of financial services - especially in the arena of fair lending and consumer protection - and gives new voice to rationales for social contract policies such as the Community Reinvestment Act. He provides new long-term analysis of the failure of federal bank regulators to enforce the CRA, and also shows how increased community activism and media attention have led to sporadic periods of stronger CRA enforcement. Finally, he recommends a number of policy changes that are needed to modernize the nation's fair lending and community reinvestment laws and make them more relevant for the 21st century.

A Credit to Their Community

Author : Shelly Tenenbaum
Publisher : Wayne State University Press
ISBN 13 : 9780814322871
Total Pages : 222 pages
Book Rating : 4.3/5 (228 download)

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Book Synopsis A Credit to Their Community by : Shelly Tenenbaum

Download or read book A Credit to Their Community written by Shelly Tenenbaum and published by Wayne State University Press. This book was released on 1993 with total page 222 pages. Available in PDF, EPUB and Kindle. Book excerpt: By supplying small entrepreneurs with necessary capital to start and expand their businesses, Jewish loan societies facilitated the rise up the economic ladder of the late nineteenth- and early twentieth-century Jews. These collective institutions were an important feature of a cohesive ethnic economy in which Jewish factory owners hired Jewish workers, Jewish retailers bought goods from Jewish wholesalers, and Jewish shopkeepers relied on Jewish loan associations for funding. A Credit to Their Community is a sociohistorical study of Jewish credit organizations from the 1880s until the end of World War II. Upon their arrival in the United States during this critical period in American Jewish life, Eastern European Jewish immigrants established hundreds of loan societies in communities as diverse as Nashville, Tennessee; Philadelphia, Pennsylvania; Rock Island, Illinois; and Portland, Oregon. While there is ample discussion and documentation of the over-representation of Jewish immigrants in business, until now the question of how these immigrant entrepreneurs raised the necessary funds to start their enterprises has not been addressed. Based on primary historical documents, this book analyzes the emergence, growth, and subsequent decline of three types of Jewish loan associations in America: Hebrew free loan societies; remedial loan associations—philanthropic loan societies that charged relatively low interest fees; and credit cooperatives. The author addresses a number of issues related to the functioning of the Jewish credit organizations, including the activities of women's loan associations, debates about whether or not to open doors to non-Jewish borrowers, discussions about the merits and faults of implementing interest charges, the effects of the Great Depression on loan organizations, and the relations between free loan Societies and other Jewish organizations. While the primary focus is on Jews, the text also offers comparisons between Jewish loan societies and those of other enterprising groups such as the Japanese and Chinese. This study raises an important theoretical question in the field of ethnicity; namely, to what extent are ethnic institutions influenced by culture—cultural traits brought from countries of origin—and to what extent do they emerge as responses to the new context to which immigrants have arrived? In answering this question, Dr. Tenenbaum highlights the importance of both cultural and contextual factors for the emergence of Jewish loan associations.

Working Class Credit and Community since 1918

Author : A. Taylor
Publisher : Springer
ISBN 13 : 0230595553
Total Pages : 229 pages
Book Rating : 4.2/5 (35 download)

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Book Synopsis Working Class Credit and Community since 1918 by : A. Taylor

Download or read book Working Class Credit and Community since 1918 written by A. Taylor and published by Springer. This book was released on 2002-11-26 with total page 229 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book explores the forms of credit which have historically been associated with the British working class. Taylor seeks to assess the effect of credit on working class communities, and relates this to the debate about community. This work is the first comprehensive examination of the history of these forms of credit to make comparisons between the periods before and after 1945. Based on extensive archival research and oral history interviews, this book combines lively individual accounts with theoretical arguments.

Community Credit Needs

Author : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Financial Institutions Supervision, Regulation and Insurance
Publisher :
ISBN 13 :
Total Pages : 812 pages
Book Rating : 4.:/5 ( download)

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Book Synopsis Community Credit Needs by : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Financial Institutions Supervision, Regulation and Insurance

Download or read book Community Credit Needs written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Financial Institutions Supervision, Regulation and Insurance and published by . This book was released on 1978 with total page 812 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The Effects of the Economic Crisis on Community Banks and Credit Unions in Rural Communities

Author : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Financial Institutions
Publisher :
ISBN 13 :
Total Pages : 68 pages
Book Rating : 4.3/5 (91 download)

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Book Synopsis The Effects of the Economic Crisis on Community Banks and Credit Unions in Rural Communities by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Financial Institutions

Download or read book The Effects of the Economic Crisis on Community Banks and Credit Unions in Rural Communities written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Financial Institutions and published by . This book was released on 2010 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Community Investment Practices of Credit Unions

Author : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Credit and Insurance
Publisher :
ISBN 13 :
Total Pages : 224 pages
Book Rating : 4.0/5 ( download)

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Book Synopsis Community Investment Practices of Credit Unions by : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Credit and Insurance

Download or read book Community Investment Practices of Credit Unions written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Credit and Insurance and published by . This book was released on 1995 with total page 224 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Community Credit Needs

Author : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Publisher :
ISBN 13 :
Total Pages : 440 pages
Book Rating : 4.:/5 (327 download)

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Book Synopsis Community Credit Needs by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs

Download or read book Community Credit Needs written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 1977 with total page 440 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Community Capital

Author : Clifford Rosenthal
Publisher :
ISBN 13 : 9780984690633
Total Pages : 0 pages
Book Rating : 4.6/5 (96 download)

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Book Synopsis Community Capital by : Clifford Rosenthal

Download or read book Community Capital written by Clifford Rosenthal and published by . This book was released on 2024-07-30 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Clifford Rosenthal provides a 10,000-foot overview and historical context of the community development credit union (CDCU) movement, while scrutinizing his journey as a white man leading a predominantly non-white organization. In his quest for community-controlled capital, he raised directly or indirectly through his advocacy for $100 million in investments in low-income credit unions; and pioneering the community development financial institutions (CDFI) movement. His 40-year year career took Rosenthal from neighborhood co-op organizer, to credit union builder, then association president, and finally federal policymaker. Rosenthal writes as a credit union practitioner shaped by his training as a Russian historian and translator. More "co-conspirator" than ally, Rosenthal is a white man battling for capital and equity in communities of color, while acknowledging and confronting his own shortcomings as a leader.In contrast, Michael McCray gives a harrowing insider's account as a participant/eyewitness to history. McCray is a Black man fighting a federal regulator, the National Credit Union Administration (NCUA), in a white man's world. He brings "receipts"-- unique access to secret transcripts, doctored financial reports, and federal court documents which undergird a compelling argument that the regulator has mistreated small credit unions, especially in minority communities. McCray takes the reader behind closed doors at an NCUA board meeting and inside the courtroom as a small credit union fights for its life against federal attorneys and the Justice Department. McCray delivers a dramatic first-person account with primary source documents and forensic insights on the landmark KAPFCU v NCUA federal court case. Justifiably jaundiced, McCray's compelling writing style takes the readers on an inside-the-car, roller-coaster ride through a regulatory "Alice in Wonderland."Rosenthal is a historian, and McCray is a whistleblower. Together, we guide the reader through a race-tinted, bifocal examination of the long and ongoing struggle to redress economic inequity. If we have succeeded, the reader will learn not only about the barriers to DEI-Diversity, Equity, and Inclusion-at the highest level of government, but gain a better understanding of the pivotal role Black organizations like the Divine Nine and Black churches play in bringing providing capital access to marginalized communities.

The walk without limbs: Searching for indigenous health knowledge in a rural context in South Africa

Author : Gubela Mji
Publisher : AOSIS
ISBN 13 : 1928523110
Total Pages : 247 pages
Book Rating : 4.9/5 (285 download)

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Book Synopsis The walk without limbs: Searching for indigenous health knowledge in a rural context in South Africa by : Gubela Mji

Download or read book The walk without limbs: Searching for indigenous health knowledge in a rural context in South Africa written by Gubela Mji and published by AOSIS. This book was released on 2019-12-12 with total page 247 pages. Available in PDF, EPUB and Kindle. Book excerpt: In a country as diverse as South Africa, sickness and health often mean different things to different people so much so that the different health definitions and health belief models in the country seem to have a profound influence on the health-seeking behaviour of the people who are part of our vibrant, multicultural society. This book is concerned with the integration of indigenous health knowledge (IHK) into the current Western--orientated Primary Health Care (PHC) model. The first section of the book highlights the challenges facing the training of health professionals using a curriculum that is not drawing its knowledge base from the indigenous context and the people of that context. Such professionals will later recognise that they are walking without limbs in matters pertaining to health. The area that was chosen for conducting the research was KwaBomvana in Xhora (Elliotdale), Eastern Cape province, South Africa. The people who reside there are called AmaBomvana. The area where the Bomvana peoples reside is served by Madwaleni Hospital and eight surrounding clinics. Qualitative ethnographic, feminist methods of data collection supported the research done for Section 1 of the book. Section 2 comprises the translation and implementation of PhD study outcomes and had contributions from various researchers. In the critical research findings of the PhD study, older Xhosa women identify the inclusion of social determinants of health as vital to the health problems they managed within their homes. For them, each disease is linked to a social determinant of health, and the management of health problems includes the management of social determinants of health. For them, it is about the health of the home and not just about the management of disease. They believe that healthy homes make healthy villages, and that the prevention of the development of disease is related to the strengthening of the home. Health and illness should be seen within both physical and spiritual contexts; without health, there can be no progress in the home. When defining health, the older Xhosa women add three critical components to the WHO health definition, namely, food security, healthy children and families, and peace and security in their villages. Prof. Mji further proposes that these three elements should be included in the next revision of the WHO health definition because they are not only important for the Bomvana people where the research was conducted, but also for the rest of humanity. In light of the promise of National Health Insurance and the revitalisation of PHC, this book proposes that these two major national health policies should take cognisance of the IHK utilised by the older Xhosa women. In addtion to what this research implies, these policies should also take note of all IHK from the indigenous peoples of South Africa, Africa and the rest of the world, and that there should be a clear plan as to how the knowledge can be supported within a health care systems approach.

Credit Markets for the Poor

Author : Patrick Bolton
Publisher : Russell Sage Foundation
ISBN 13 : 1610440757
Total Pages : 320 pages
Book Rating : 4.6/5 (14 download)

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Book Synopsis Credit Markets for the Poor by : Patrick Bolton

Download or read book Credit Markets for the Poor written by Patrick Bolton and published by Russell Sage Foundation. This book was released on 2005-06-30 with total page 320 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.

The Community's Credit

Author : C. Marshall Hattersley
Publisher : Forgotten Books
ISBN 13 : 9781330221662
Total Pages : 180 pages
Book Rating : 4.2/5 (216 download)

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Book Synopsis The Community's Credit by : C. Marshall Hattersley

Download or read book The Community's Credit written by C. Marshall Hattersley and published by Forgotten Books. This book was released on 2015-06-26 with total page 180 pages. Available in PDF, EPUB and Kindle. Book excerpt: Excerpt from The Community's Credit: A Consideration of the Principles, and Proposals of the Social Credit Movement Events to-day are moving far faster than ideas, and while governments and their expert advisers are seeking a cure for the economic malady along old, discredited lines, the governed are finding scant comfort in the out-worn formulæ of past decades and the platitudes of present-day politicians. And in the meantime the condition of modern industrial civilisation grows daily more serious. The present situation needs fresh analysis, and for its betterment, a new remedy. In the spring of the year 1920 there appeared the former of two remarkable books by Major C. H. Douglas. In "Economic Democracy," and later (assisted by Mr. A. R. Orage, late editor of "The New Age"), in "Credit-Power and Democracy" also. Major Douglas has undertaken a new and fundamental analysis of the industrial situation, and has pointed out the principles upon which any permanent solution of the present economic difficulties must be sought. The Social Credit Movement has arisen as a direct result of these two books, in order to study and develop the principles formulated therein, and to discover ways and means of carrying them into effect. About the Publisher Forgotten Books publishes hundreds of thousands of rare and classic books. Find more at www.forgottenbooks.com This book is a reproduction of an important historical work. Forgotten Books uses state-of-the-art technology to digitally reconstruct the work, preserving the original format whilst repairing imperfections present in the aged copy. In rare cases, an imperfection in the original, such as a blemish or missing page, may be replicated in our edition. We do, however, repair the vast majority of imperfections successfully; any imperfections that remain are intentionally left to preserve the state of such historical works.

Banking Law: New York Banking Law

Author : New York (State)
Publisher :
ISBN 13 :
Total Pages : 308 pages
Book Rating : 4.:/5 (31 download)

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Book Synopsis Banking Law: New York Banking Law by : New York (State)

Download or read book Banking Law: New York Banking Law written by New York (State) and published by . This book was released on 1917 with total page 308 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Collective Courage

Author : Jessica Gordon Nembhard
Publisher : Penn State Press
ISBN 13 : 0271064269
Total Pages : 325 pages
Book Rating : 4.2/5 (71 download)

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Book Synopsis Collective Courage by : Jessica Gordon Nembhard

Download or read book Collective Courage written by Jessica Gordon Nembhard and published by Penn State Press. This book was released on 2015-06-13 with total page 325 pages. Available in PDF, EPUB and Kindle. Book excerpt: In Collective Courage, Jessica Gordon Nembhard chronicles African American cooperative business ownership and its place in the movements for Black civil rights and economic equality. Not since W. E. B. Du Bois’s 1907 Economic Co-operation Among Negro Americans has there been a full-length, nationwide study of African American cooperatives. Collective Courage extends that story into the twenty-first century. Many of the players are well known in the history of the African American experience: Du Bois, A. Philip Randolph and the Ladies' Auxiliary to the Brotherhood of Sleeping Car Porters, Nannie Helen Burroughs, Fannie Lou Hamer, Ella Jo Baker, George Schuyler and the Young Negroes’ Co-operative League, the Nation of Islam, and the Black Panther Party. Adding the cooperative movement to Black history results in a retelling of the African American experience, with an increased understanding of African American collective economic agency and grassroots economic organizing. To tell the story, Gordon Nembhard uses a variety of newspapers, period magazines, and journals; co-ops’ articles of incorporation, minutes from annual meetings, newsletters, budgets, and income statements; and scholarly books, memoirs, and biographies. These sources reveal the achievements and challenges of Black co-ops, collective economic action, and social entrepreneurship. Gordon Nembhard finds that African Americans, as well as other people of color and low-income people, have benefitted greatly from cooperative ownership and democratic economic participation throughout the nation’s history.

Democratizing Finance

Author : Clifford N. Rosenthal
Publisher : FriesenPress
ISBN 13 : 152553663X
Total Pages : 544 pages
Book Rating : 4.5/5 (255 download)

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Book Synopsis Democratizing Finance by : Clifford N. Rosenthal

Download or read book Democratizing Finance written by Clifford N. Rosenthal and published by FriesenPress. This book was released on 2018 with total page 544 pages. Available in PDF, EPUB and Kindle. Book excerpt: Decades before Occupy Wall Street challenged the American financial system, activists began organizing alternatives to provide capital to “unbankable” communities and the poor. With roots in the civil rights, anti-poverty, and other progressive movements, they brought little training in finance. They formed nonprofit loan funds, credit unions, and even a new bank—organizations that by 1992 became known as “community development financial institutions,” or CDFIs. By melding their vision with that of President Clinton, CDFIs grew from church basements and kitchen tables to number more than 1,000 institutions with billions of dollars of capital. They have helped transform community development by providing credit and financial services across the United States, from inner cities to Native American reservations. Democratizing Finance traces the roots of community development finance over two centuries, a history that runs from Benjamin Franklin, through an ill-starred bank for African American veterans of the Civil War, the birth of the credit union movement, and the War on Poverty. Drawn from hundreds of interviews with CDFI leaders, presidential archives, and congressional testimony, Democratizing Finance provides an insider view of an extraordinary public policy success. Democratizing Finance is a unique resource for practitioners, policymakers, researchers, and social investors.

Debt to Society

Author : Miranda Joseph
Publisher : U of Minnesota Press
ISBN 13 : 1452941602
Total Pages : 316 pages
Book Rating : 4.4/5 (529 download)

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Book Synopsis Debt to Society by : Miranda Joseph

Download or read book Debt to Society written by Miranda Joseph and published by U of Minnesota Press. This book was released on 2014-09-01 with total page 316 pages. Available in PDF, EPUB and Kindle. Book excerpt: It is commonplace to say that criminals pay their debt to society by spending time in prison, but what is a “debt to society”? How is crime understood as a debt? How has time become the equivalent for crime? And how does criminal debt relate to the kind of debt held by consumers and university students? In Debt to Society, Miranda Joseph explores modes of accounting as they are used to create, sustain, or transform social relations. Envisioning accounting broadly to include financial accounting, managerial accounting of costs and performance, and the calculation of “debts to society” owed by criminals, Joseph argues that accounting technologies have a powerful effect on social dynamics by attributing credits and debts. From sovereign bonds and securitized credit card debt to student debt and mortgages, there is no doubt that debt and accounting structure our lives. Exploring central components of neoliberalism (and neoliberalism in crisis) from incarceration to personal finance and university management, Debt to Society exposes the uneven distribution of accountability within our society. Joseph demonstrates how ubiquitous the forces of accounting have become in shaping all aspects of our lives, proposing that we appropriate accounting and offer alternative accounts to turn the present toward a more widely shared well-being.

The Southern Reporter

Author :
Publisher :
ISBN 13 :
Total Pages : 1052 pages
Book Rating : 4.A/5 ( download)

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Book Synopsis The Southern Reporter by :

Download or read book The Southern Reporter written by and published by . This book was released on 1898 with total page 1052 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Reports of Cases Argued and Determined in the Supreme Court of South Carolina

Author : South Carolina. Supreme Court
Publisher :
ISBN 13 :
Total Pages : 568 pages
Book Rating : 4.3/5 (243 download)

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Book Synopsis Reports of Cases Argued and Determined in the Supreme Court of South Carolina by : South Carolina. Supreme Court

Download or read book Reports of Cases Argued and Determined in the Supreme Court of South Carolina written by South Carolina. Supreme Court and published by . This book was released on 1916 with total page 568 pages. Available in PDF, EPUB and Kindle. Book excerpt: