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Credit Unions And The Poverty Challenge
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Book Synopsis Credit Unions and the Poverty Challenge by : Bernd Balkenhol
Download or read book Credit Unions and the Poverty Challenge written by Bernd Balkenhol and published by International Labour Organization. This book was released on 1999 with total page 166 pages. Available in PDF, EPUB and Kindle. Book excerpt: Reviews experiences of refinancing credit unions in several developing countries. Examines their capacity to increase members' shares or mobilize deposits, how refinancing facilities have influenced the quality of the loan portfolio, whether external credit lines have enhanced their profitability, and whether debt finance has led to sustained growth and better outreach to the poor. Includes an agenda for action.
Book Synopsis Credit and the War on Poverty by : Ceretha Feaster Robinson
Download or read book Credit and the War on Poverty written by Ceretha Feaster Robinson and published by . This book was released on 1993 with total page 98 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Corporate credit unions competitive environment may stress financial condition, posing challenges for NCUA oversight : report to the Ranking Minority Member, Committee on Banking, Housing, and Urban Affairs, U.S. Senate. by :
Download or read book Corporate credit unions competitive environment may stress financial condition, posing challenges for NCUA oversight : report to the Ranking Minority Member, Committee on Banking, Housing, and Urban Affairs, U.S. Senate. written by and published by DIANE Publishing. This book was released on with total page 109 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Meeting the credit needs of low-income groups by : Noreen Byrne
Download or read book Meeting the credit needs of low-income groups written by Noreen Byrne and published by Combat Poverty Agency. This book was released on 2005 with total page 76 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Banking Services for the Poor by : Kathryn Tholin
Download or read book Banking Services for the Poor written by Kathryn Tholin and published by . This book was released on 1991 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Credit Cooperative Institutions in European Countries by : Simeon Karafolas
Download or read book Credit Cooperative Institutions in European Countries written by Simeon Karafolas and published by Springer. This book was released on 2016-05-09 with total page 444 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book offers a comparative analysis of credit cooperative systems across 23 European countries. Cooperative banking has an important place in the financial, economic and social life of most European countries, and while cooperative banks, credit mutuals, credit cooperatives and credit unions share the spirit of cooperation and mutuality, they often have very different features, history and development. The book examines the evolution and current model of each credit cooperative system, its importance for the national and local banking markets, as well as the impact of the financial crisis on cooperative banking, and also presents the sharp contrasts between these systems throughout the EU. It is of significant scientific and practical interest and enables policymakers, practitioners and academics at European and national levels to deepen their understanding of the evolution of the system and its governance.
Download or read book Thin Cats written by John Isbister and published by Center for Cooperatives University of California. This book was released on 1994 with total page 236 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Economics of Financial Cooperatives by : Amr Khafagy
Download or read book The Economics of Financial Cooperatives written by Amr Khafagy and published by Routledge. This book was released on 2019-09-11 with total page 197 pages. Available in PDF, EPUB and Kindle. Book excerpt: Building on theories of finance and distribution, and the political economy of finance, this book explains the influence of financial cooperatives on wealth and income distribution, and institutional factors that determine the development of financial cooperatives. The book discusses the dynamics of income and wealth distribution with and without financial cooperatives, and defines the economic objective for financial cooperatives. Through explaining the influence of political institutions and regulations on the development of financial cooperatives, this book examines why financial cooperatives grew in some emerging economies and not in other similar ones. The book is of interest to scholars interested in financial economics, political economy of finance, alternative banking and development finance, and banking regulation. The book also gives valuable output to central bankers and financial and monetary policy makers in underdeveloped economies. In addition, it will be of particular interest to practitioners in international development institutions, especially those engaged in development finance and rural finance.
Download or read book Humaninsing Work written by Chris Beales and published by . This book was released on 2014-10-17 with total page 84 pages. Available in PDF, EPUB and Kindle. Book excerpt: Does the search for meaning in work matter? - and is it even possible to ask such a question against a backdrop of mass youth unemployment, widespread poverty and growing inequality? Drawing on the experience of the Mondragon co-operatives in Spain and other innovative models of employment and enterprise from around the world - and the visions and values derived from his faith - Chris Beales explores how 'work' might be humanised and education and employment made not only responsive to what the Economy needs but also purposeful, satisfying and rewarding for people. "Chris Beales is, in equal part, activist, campaigner and theologian. He is also a classic example of what Antonio Gramsci famously described as the 'organic intellectual': his work is important, and should be read by policymakers, practitioners and others concerned with promoting social justice." From the Foreword by Prof Robin Simmons, Professor of Education, University of Huddersfield.
Book Synopsis Financing Low Income Communities by : Julia Sass Rubin
Download or read book Financing Low Income Communities written by Julia Sass Rubin and published by Russell Sage Foundation. This book was released on 2007-11-15 with total page 344 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
Book Synopsis International Business Ethics by : Stephan Rothlin
Download or read book International Business Ethics written by Stephan Rothlin and published by Springer. This book was released on 2015-07-29 with total page 501 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book addresses an essential need felt by many who seek to promote best business practices in China and East Asia – namely the need for culturally appropriate instructional materials (basic information, case studies and ethical perspectives) that will allow managers and entrepreneurs to understand and embrace the challenge of moral leadership in business. In an era characterized by globalization and the increasing importance of the economies of China, India, Japan and SE Asia, international business ethics must reflect the concerns of the people living and working in this area, the moral and spiritual traditions that have nurtured them and their specific contributions to sustainable development. This book presents twenty important case studies, taken from newsworthy events of the past few years, in which Asians and others have attempted to respond to this challenge. Each case study has been selected and shaped in order to highlight various aspects of doing business in Asia, starting with basic principles and moving on to the specific responsibilities that businesses have towards their various stakeholders. The authors contend that the best way to appreciate the relevance of Asian moral and spiritual traditions is to determine their specific contribution to virtue ethics, where the ancient traditions of both East and West converge in their focus on the qualities of moral leadership that form the basis of best business practice. Exploring the case studies will enable readers to appreciate the continued relevance of these ethical perspectives in Asian business. Best business practice clearly involves learning to do business and playing the game according to the rules; but the necessity of playing by the rules is not likely to become clear until one takes up the path that leads to a virtuous life in business, developing a moral character chiefly based on integrity.
Book Synopsis Socially Responsible Investment Law by : Benjamin J Richardson
Download or read book Socially Responsible Investment Law written by Benjamin J Richardson and published by Oxford University Press. This book was released on 2008-06-30 with total page 624 pages. Available in PDF, EPUB and Kindle. Book excerpt: Environmental harm is commonly associated with companies that extract, consume, and pollute our shared natural resources. Rarely are the 'unseen polluters,' the financiers that sponsor and profit from eco-damaging corporations, placed at the forefront of the environmental debate. By focusing on these unseen polluters, Benjamin Richardson provides a comprehensive examination of socially responsible investment (SRI), and offers a guide to possible reform. Richardson proposes that greater regulatory supervision of SRI will help ensure that the financial sector prioritizes ethically-based investments. In Socially Responsible Investment Law, he suggests that new governmental reforms should encourage companies to participate in socially responsible investments by providing a better mix of standards and incentives for SRI through measures that include redefining the fiduciary responsibilities of institutional investors to incorporate environmental concerns. By doing so, Richardson posits that corporate financiers, including banks, hedge funds, and pension plans, will become more accountable to the goals of ensuring sustainable development.
Book Synopsis Access to Financial Services in Brazil by : Anjali Kumar
Download or read book Access to Financial Services in Brazil written by Anjali Kumar and published by World Bank Publications. This book was released on 2005 with total page 698 pages. Available in PDF, EPUB and Kindle. Book excerpt: There is an increasing awareness that access to financial services can contribute to economic growth and poverty reduction. This study focuses on the delivery of financial services in Brazil, one of the world's most important emerging financial markets. It examines different aspects of financial service provision, and explores approaches to address problems of financial exclusion. Topics discussed include: microfinance schemes; private banking; rural finance systems; institutional infrastructure; and the role of government policy.
Book Synopsis The Enduring Challenge of Concentrated Poverty in America by : David Erickson
Download or read book The Enduring Challenge of Concentrated Poverty in America written by David Erickson and published by . This book was released on 2008 with total page 234 pages. Available in PDF, EPUB and Kindle. Book excerpt: This report--a joint effort of the Federal Reserve's Community Affairs function and the Brookings Institution's Metropolitan Policy Program--examines the issue of concentrated poverty and profiles 16 high-poverty communities from across the country, including immigrant gateway, Native American, urban, and rural communities. Through these case studies, the report contributes to our understanding of the dynamics of poor people living in poor communities, and the policies that will be needed to bring both into the economic mainstream. It is not the intention of this publication to explain poverty causation. Instead, the goal is to add texture to our understanding of where and how concentrated poverty exists, by studying new areas and by interviewing local stakeholders, including residents, community leaders, and government representatives, to understand how concentrated poverty affects both individuals and communities. The report begins with "Concentrated Poverty in America: An Overview" (Alan Berube) and "Introduction to the Case Studies" (Carolina Reid). It then presents the following 16 case studies: (1) Fresno, California: the West Fresno neighborhood (Naomi Cytron); (2) Cleveland, Ohio: the Central neighborhood (Lisa Nelson); (3) Miami, Florida: the Little Haiti neighborhood (Ana Cruz-Taura and Jessica LeVeen Farr); (4) Martin County, Kentucky (Jeff Gatica); (5) Blackfeet Reservation, Montana (Sandy Gerber, Michael Grover, and Sue Woodrow); (6) Greenville, North Carolina: the West Greenville neighborhood (Carl Neel); (7) Atlantic City, New Jersey: the Bungalow Park/Marina District area (Harriet Newburger, John Wackes, Keith Rolland, and Anita Sands); (8) Austin, Texas: the East Austin neighborhood (Elizabeth Sobel); (9) McKinley County, New Mexico: Crownpoint (Steven Shepelwich and Roger Zalneraitis); (10) McDowell County, West Virginia (Courtney Anderson Mailey); (11) Albany, Georgia: the East Albany neighborhood (Jessica LeVeen Farr and Sibyl Slade); (12) El Paso, Texas: the Chamizal neighborhood (Roy Lopez); (13) Springfield, Massachusetts: Old Hill, Six Corners, and the South End neighborhoods (DeAnna Green); (14) Rochester, New York: the Northern Crescent neighborhoods (Alexandra Forter Sirota and Yazmin Osaki); (15) Holmes County, Mississippi (Ellen Eubank); and (16) Milwaukee, Wisconsin: the Northwest neighborhood (Jeremiah Boyle). Following these case studies is "Learning from Concentrated Poverty in America: A Synthesis of Themes from the Case Studies" (Alan Berube, David Erickson, and Carolina Reid). Appended to this report are: (A) References for Comparison Statistics Tables; (B) Literature Review: Federal Reserve System Poverty-Related Research; (C) References for Overview in Alphabetical Order (by First Author); and (D) Photo Credits. (Individual case studies contain tables, figures, and footnotes.).
Book Synopsis Handbook of Development Policy by : Habib, Zafarullah
Download or read book Handbook of Development Policy written by Habib, Zafarullah and published by Edward Elgar Publishing. This book was released on 2021-09-07 with total page 592 pages. Available in PDF, EPUB and Kindle. Book excerpt: This authoritative Handbook provides a thorough exploration of development policy from both scholarly and practical perspectives and offers insights into the policy process dynamics and a range of specific policy issues, including corruption and network governance.
Book Synopsis Social Reinsurance by : David M. Dror
Download or read book Social Reinsurance written by David M. Dror and published by World Bank Publications. This book was released on 2002-01-01 with total page 548 pages. Available in PDF, EPUB and Kindle. Book excerpt: Annotation This volume views community-based microinsurance as an incremental first step to improved financial protection and better access to health services for the poor. While community-based financing can be structured in various ways, this volume focuses on reinsurance as a mechanism for improving micro-level health insurance units. It outlines strategies and policies that can be applied by countries and donors to improve access to health care services.
Book Synopsis The Role of Strategic Planning On Enhancing Investment in Public Transport Saccos in Kenya by : Nickson Moseti Ongaki
Download or read book The Role of Strategic Planning On Enhancing Investment in Public Transport Saccos in Kenya written by Nickson Moseti Ongaki and published by EduPedia Publications (P) Ltd. This book was released on 2015-09-01 with total page 50 pages. Available in PDF, EPUB and Kindle. Book excerpt: This study will seek to find out the effects of strategic planning on enhancing investments in public transport Saccos in Kenya. The study will also seek to find out recent changes in operation of public transport in Kenya for example new vehicles on the road, new safety rules and the registration of co-operative societies to replace the Matatu Welfare Associations in a new development which started from early 1990s. Cooperatives are economic units by which members mobilize their financial resources through savings. It is estimated that this sector contributes about 20% to the gross Domestic Product. Although this sector is considered both economically and socially important, sectoral report indicates that nearly 2% of savings and Credit Cooperative Societies (SACCOs) collapse every year and about 6% of registered members withdraw their membership annually. Some SACCOs pay dividends which are as low as 3.5%. It is not clear why there is a deteriorating trend in most of the societies despite governments financial regulations being in operation since 2004 that were meant to help SACCOs achieve sustainability through growth and financial stability. The objective of this study was to assess the effect of governments financial regulations on investment performance in SACCOs in Nairobi County. The study adopted descriptive research design and purposive sampling method. The research adopted a self administered questionnaire which was used to collect quantitative data. The study units comprised 104 sacco societies of public transport in Nairobi County. The questionnaire was designed based on a Five Lickert scale. However, only 95 Saccos were actively in operation. The other 9 were either dormant or inactive. Therefore, 87 Saccos were randomly sampled and studies. The findings show that government financial regulations have been moderately regulated with a weighted mean of 2.805. Concerning the approval of maximum borrowing powers by members, a weighted mean score of 3.816 on the scale was posted. It is therefore expected that with this large extent of implementation of this regulation, Saccos will have a strong financial stability since they will have fewer loans to service. The study also found out that performance of Saccos in terms of efficient and prompt disbursement of loans is quite wanting with a weighted mean score 2.0919. Key recommendations were to the Ministry of Co-operative Development to mobilize resources to educate the members and management committees of the societies for better performance, and adherence to the regulations laid down by the government.
