Creditworthy

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Creditworthy

Author : Josh Lauer
Publisher : Columbia University Press
ISBN 13 : 0231544626
Total Pages : 393 pages
Book Rating : 4.2/5 (315 download)

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Book Synopsis Creditworthy by : Josh Lauer

Download or read book Creditworthy written by Josh Lauer and published by Columbia University Press. This book was released on 2017-07-25 with total page 393 pages. Available in PDF, EPUB and Kindle. Book excerpt: The first consumer credit bureaus appeared in the 1870s and quickly amassed huge archives of deeply personal information. Today, the three leading credit bureaus are among the most powerful institutions in modern life—yet we know almost nothing about them. Experian, Equifax, and TransUnion are multi-billion-dollar corporations that track our movements, spending behavior, and financial status. This data is used to predict our riskiness as borrowers and to judge our trustworthiness and value in a broad array of contexts, from insurance and marketing to employment and housing. In Creditworthy, the first comprehensive history of this crucial American institution, Josh Lauer explores the evolution of credit reporting from its nineteenth-century origins to the rise of the modern consumer data industry. By revealing the sophistication of early credit reporting networks, Creditworthy highlights the leading role that commercial surveillance has played—ahead of state surveillance systems—in monitoring the economic lives of Americans. Lauer charts how credit reporting grew from an industry that relied on personal knowledge of consumers to one that employs sophisticated algorithms to determine a person's trustworthiness. Ultimately, Lauer argues that by converting individual reputations into brief written reports—and, later, credit ratings and credit scores—credit bureaus did something more profound: they invented the modern concept of financial identity. Creditworthy reminds us that creditworthiness is never just about economic "facts." It is fundamentally concerned with—and determines—our social standing as an honest, reliable, profit-generating person.

Official Gazette

Author : Philippines
Publisher :
ISBN 13 :
Total Pages : 766 pages
Book Rating : 4.3/5 (91 download)

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Book Synopsis Official Gazette by : Philippines

Download or read book Official Gazette written by Philippines and published by . This book was released on 2004 with total page 766 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The International Monetary System

Author : Peter B. Kenen
Publisher : Cambridge University Press
ISBN 13 : 9780521467292
Total Pages : 370 pages
Book Rating : 4.4/5 (672 download)

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Book Synopsis The International Monetary System by : Peter B. Kenen

Download or read book The International Monetary System written by Peter B. Kenen and published by Cambridge University Press. This book was released on 1994-10-13 with total page 370 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the two decades prior to publication of this 1994 book, international monetary relations had been characterised by latent instability, and then by severe tensions. Yet the issue of reforming the international monetary system does not appear on the agenda of the policy makers of the major countries involved. The International Monetary System tries to analyse this apparent contradiction. It brings together contributions from some of the most authoritative academic economists and monetary officials, and examines each of the fundamental functions of the international monetary system. There is broad support for improving present monetary arrangements with the aim of ensuring more stable conditions in monetary and financial markets and of promoting the orderly adjustment of payments disequilibria. For political reasons a fully-fledged reform exercise is unlikely, but very few experts seem to like the status quo. This book provides the reader with a comprehensive account of the institutional and policy changes required to manage an increasingly integrated and interdependent global monetary and financial system.

Due Diligence

Author : David Roodman
Publisher : CGD Books
ISBN 13 : 1933286539
Total Pages : 388 pages
Book Rating : 4.9/5 (332 download)

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Book Synopsis Due Diligence by : David Roodman

Download or read book Due Diligence written by David Roodman and published by CGD Books. This book was released on 2012 with total page 388 pages. Available in PDF, EPUB and Kindle. Book excerpt: The idea that small loans can help poor families build businesses and exit poverty has blossomed into a global movement. The concept has captured the public imagination, drawn in billions of dollars, reached millions of customers, and garnered a Nobel Prize. Radical in its suggestion that the poor are creditworthy and conservative in its insistence on individual accountability, the idea has expanded beyond credit into savings, insurance, and money transfers, earning the name microfinance. But is it the boon so many think it is? Readers of David Roodman's openbook blog will immediately recognize his thorough, straightforward, and trenchant analysis. Due Diligence, written entirely in public with input from readers, probes the truth about microfinance to guide governments, foundations, investors, and private citizens who support financial services for poor people. In particular, it explains the need to deemphasize microcredit in favor of other financial services for the poor.

Fintech, Small Business & the American Dream

Author : Karen G. Mills
Publisher : Springer
ISBN 13 : 3030036200
Total Pages : 202 pages
Book Rating : 4.0/5 (3 download)

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Book Synopsis Fintech, Small Business & the American Dream by : Karen G. Mills

Download or read book Fintech, Small Business & the American Dream written by Karen G. Mills and published by Springer. This book was released on 2019-03-12 with total page 202 pages. Available in PDF, EPUB and Kindle. Book excerpt: Small businesses are the backbone of the U.S. economy. They are the biggest job creators and offer a path to the American Dream. But for many, it is difficult to get the capital they need to operate and succeed. In the Great Recession, access to capital for small businesses froze, and in the aftermath, many community banks shuttered their doors and other lenders that had weathered the storm turned to more profitable avenues. For years after the financial crisis, the outlook for many small businesses was bleak. But then a new dawn of financial technology, or “fintech,” emerged. Beginning in 2010, new fintech entrepreneurs recognized the gaps in the small business lending market and revolutionized the customer experience for small business owners. Instead of Xeroxing a pile of paperwork and waiting weeks for an answer, small businesses filled out applications online and heard back within hours, sometimes even minutes. Banks scrambled to catch up. Technology companies like Amazon, PayPal, and Square entered the market, and new possibilities for even more transformative products and services began to appear. In Fintech, Small Business & the American Dream, former U.S. Small Business Administrator and Senior Fellow at Harvard Business School, Karen G. Mills, focuses on the needs of small businesses for capital and how technology will transform the small business lending market. This is a market that has been plagued by frictions: it is hard for a lender to figure out which small businesses are creditworthy, and borrowers often don’t know how much money or what kind of loan they need. New streams of data have the power to illuminate the opaque nature of a small business’s finances, making it easier for them to weather bumpy cash flows and providing more transparency to potential lenders. Mills charts how fintech has changed and will continue to change small business lending, and how financial innovation and wise regulation can restore a path to the American Dream. An ambitious book grappling with the broad significance of small business to the economy, the historical role of credit markets, the dynamics of innovation cycles, and the policy implications for regulation, Fintech, Small Business & the American Dream is relevant to bankers, fintech investors, and regulators; in fact, to anyone who is interested in the future of small business in America.

Journal of Agricultural and Applied Economics

Author :
Publisher :
ISBN 13 :
Total Pages : 676 pages
Book Rating : 4.F/5 ( download)

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Book Synopsis Journal of Agricultural and Applied Economics by :

Download or read book Journal of Agricultural and Applied Economics written by and published by . This book was released on 1999 with total page 676 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The Importance of Being Rational

Author : Errol Lord
Publisher : Oxford University Press
ISBN 13 : 0192546740
Total Pages : 278 pages
Book Rating : 4.1/5 (925 download)

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Book Synopsis The Importance of Being Rational by : Errol Lord

Download or read book The Importance of Being Rational written by Errol Lord and published by Oxford University Press. This book was released on 2018-05-24 with total page 278 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Importance of Being Rational systematically defends a novel reasons-based account of rationality. The book's central thesis is that what it is for one to be rational is to correctly respond to the normative reasons one possesses. Errol Lord defends novel views about what it is to possess reasons and what it is to correctly respond to reasons. He shows that these views not only help to support the book's main thesis, they also help to resolve several important problems that are independent of rationality. The account of possession provides novel contributions to debates about what determines what we ought to do, and the account of correctly responding to reasons provides novel contributions to debates about causal theories of reacting for reasons. After defending views about possession and correctly responding, Lord shows that the account of rationality can solve two difficult problems about rationality. The first is the New Evil Demon problem. The book argues that the account has the resources to show that internal duplicates necessarily have the same rational status. The second problem concerns the deontic significance of rationality. Recently it has been doubted whether we ought to be rational. The ultimate conclusion of the book is that the requirements of rationality are the requirements that we ultimately ought to comply with. If this is right, then rationality is of fundamental importance to our deliberative lives.

The Code of Federal Regulations of the United States of America

Author :
Publisher :
ISBN 13 :
Total Pages : 548 pages
Book Rating : 4.F/5 ( download)

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Book Synopsis The Code of Federal Regulations of the United States of America by :

Download or read book The Code of Federal Regulations of the United States of America written by and published by . This book was released on 1987 with total page 548 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Code of Federal Regulations is the codification of the general and permanent rules published in the Federal Register by the executive departments and agencies of the Federal Government.

Modernizing Consumer Protection in the Financial Regulatory System

Author : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Publisher :
ISBN 13 :
Total Pages : 240 pages
Book Rating : 4.3/5 (91 download)

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Book Synopsis Modernizing Consumer Protection in the Financial Regulatory System by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs

Download or read book Modernizing Consumer Protection in the Financial Regulatory System written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 2009 with total page 240 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Financing Energy Efficiency

Author : Robert P. Taylor
Publisher : World Bank Publications
ISBN 13 : 0821373056
Total Pages : 306 pages
Book Rating : 4.8/5 (213 download)

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Book Synopsis Financing Energy Efficiency by : Robert P. Taylor

Download or read book Financing Energy Efficiency written by Robert P. Taylor and published by World Bank Publications. This book was released on 2008-02-08 with total page 306 pages. Available in PDF, EPUB and Kindle. Book excerpt: While energy efficiency projects could partly meet new energy demand more cheaply than new supplies, weak economic institutions in developing and transitional economies impede developing and financing energy efficiency retrofits. This book analyzes these difficulties, suggests a 3-part model for projectizing and financing energy efficiency retrofits, and presents thirteen case studies to illustrate the issues and principles involved.

To Establish a National Development Bank

Author : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Economic Stabilization
Publisher :
ISBN 13 :
Total Pages : 628 pages
Book Rating : 4.3/5 (91 download)

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Book Synopsis To Establish a National Development Bank by : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Economic Stabilization

Download or read book To Establish a National Development Bank written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Economic Stabilization and published by . This book was released on 1978 with total page 628 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Code of Federal Regulations

Author :
Publisher :
ISBN 13 :
Total Pages : 776 pages
Book Rating : 4.3/5 (91 download)

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Book Synopsis Code of Federal Regulations by :

Download or read book Code of Federal Regulations written by and published by . This book was released on 1992 with total page 776 pages. Available in PDF, EPUB and Kindle. Book excerpt: Special edition of the Federal Register, containing a codification of documents of general applicability and future effect ... with ancillaries.

Quarterly Journal of International Agriculture

Author :
Publisher :
ISBN 13 :
Total Pages : 460 pages
Book Rating : 4.F/5 ( download)

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Book Synopsis Quarterly Journal of International Agriculture by :

Download or read book Quarterly Journal of International Agriculture written by and published by . This book was released on 1993 with total page 460 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The transportation of Alaskan natural gas

Author : United States. Congress. Senate. Committee on Interior and Insular Affairs
Publisher :
ISBN 13 :
Total Pages : 244 pages
Book Rating : 4.3/5 (91 download)

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Book Synopsis The transportation of Alaskan natural gas by : United States. Congress. Senate. Committee on Interior and Insular Affairs

Download or read book The transportation of Alaskan natural gas written by United States. Congress. Senate. Committee on Interior and Insular Affairs and published by . This book was released on 1976 with total page 244 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The Accidental President

Author : Albert J. Baime
Publisher : Houghton Mifflin Harcourt
ISBN 13 : 0544617347
Total Pages : 461 pages
Book Rating : 4.5/5 (446 download)

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Book Synopsis The Accidental President by : Albert J. Baime

Download or read book The Accidental President written by Albert J. Baime and published by Houghton Mifflin Harcourt. This book was released on 2017 with total page 461 pages. Available in PDF, EPUB and Kindle. Book excerpt: During the atomic, earthshaking first 120 days of Harry Truman's unlikely presidency, an unprepared, small-town man had to take on Germany, Japan, Stalin, and a secret weapon of unimaginable power--marking the most dramatic rise to greatness in American history.

Exchange Stabilization Fund and Argentina

Author : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on International Trade, Investment, and Monetary Policy
Publisher :
ISBN 13 :
Total Pages : 192 pages
Book Rating : 4.:/5 (327 download)

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Book Synopsis Exchange Stabilization Fund and Argentina by : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on International Trade, Investment, and Monetary Policy

Download or read book Exchange Stabilization Fund and Argentina written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on International Trade, Investment, and Monetary Policy and published by . This book was released on 1984 with total page 192 pages. Available in PDF, EPUB and Kindle. Book excerpt:

O'Sullivan & Hilliard's The Law of Contract

Author : Janet O'Sullivan
Publisher :
ISBN 13 : 0198853173
Total Pages : 538 pages
Book Rating : 4.1/5 (988 download)

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Book Synopsis O'Sullivan & Hilliard's The Law of Contract by : Janet O'Sullivan

Download or read book O'Sullivan & Hilliard's The Law of Contract written by Janet O'Sullivan and published by . This book was released on 2020 with total page 538 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Core Text Series takes the reader straight to the heart of the subject, providing focused and reliable guide for students of law at all levels. Written with authority by leading academics and renowned for their clarity, these invaluable texts provide a straightforward analysis of the subject and its challenges. O'Sullivan & Hilliard's The Law of Contract provides a clear account of the fundamentals of contract law, its contextual application, and contemporary scholarly debates. This companion to your studies allows you to consolidate and stretch your learning with a range of features including chapter summaries, self-test questions, and further reading recommendations. Book jacket.