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Democratizing Capital
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Book Synopsis Democratizing Capital by : Richard Marsico
Download or read book Democratizing Capital written by Richard Marsico and published by . This book was released on 2005 with total page 344 pages. Available in PDF, EPUB and Kindle. Book excerpt: "In Democratizing Capital, Professor Richard Marsico offers a bold proposal for improving the Community Reinvestment Act (CRA), a law that has done more than any other to "democratize capital" by bringing under privileged people and neighbourhoods into the economic mainstream." "Democratizing Capital will be of interest to policymakers, bankers seeking to comply with the law, government officials seeking to enforce it, community groups seeking to increase lending in their neighbourhoods, students interested in learning about the CRA, and anyone else interested in low-income community economic development."--BOOK JACKET.
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.
Book Synopsis Democratizing Innovation by : Eric Von Hippel
Download or read book Democratizing Innovation written by Eric Von Hippel and published by MIT Press. This book was released on 2006-02-17 with total page 224 pages. Available in PDF, EPUB and Kindle. Book excerpt: The process of user-centered innovation: how it can benefit both users and manufacturers and how its emergence will bring changes in business models and in public policy. Innovation is rapidly becoming democratized. Users, aided by improvements in computer and communications technology, increasingly can develop their own new products and services. These innovating users—both individuals and firms—often freely share their innovations with others, creating user-innovation communities and a rich intellectual commons. In Democratizing Innovation, Eric von Hippel looks closely at this emerging system of user-centered innovation. He explains why and when users find it profitable to develop new products and services for themselves, and why it often pays users to reveal their innovations freely for the use of all.The trend toward democratized innovation can be seen in software and information products—most notably in the free and open-source software movement—but also in physical products. Von Hippel's many examples of user innovation in action range from surgical equipment to surfboards to software security features. He shows that product and service development is concentrated among "lead users," who are ahead on marketplace trends and whose innovations are often commercially attractive. Von Hippel argues that manufacturers should redesign their innovation processes and that they should systematically seek out innovations developed by users. He points to businesses—the custom semiconductor industry is one example—that have learned to assist user-innovators by providing them with toolkits for developing new products. User innovation has a positive impact on social welfare, and von Hippel proposes that government policies, including R&D subsidies and tax credits, should be realigned to eliminate biases against it. The goal of a democratized user-centered innovation system, says von Hippel, is well worth striving for. An electronic version of this book is available under a Creative Commons license.
Book Synopsis Reclaiming Capital by : Christopher Gunn
Download or read book Reclaiming Capital written by Christopher Gunn and published by Cornell University Press. This book was released on 2018-08-06 with total page 195 pages. Available in PDF, EPUB and Kindle. Book excerpt: Towns without nationally advertised fast-food restaurants often eagerly await the day when the golden arches sprout next door to the local car dealership. But what really happens to a community with the arrival of the uni-burger? Christopher Gunn and Hazel Dayton Gunn demonstrate that perhaps three-quarters of the money a community spends at its burger emporium will leave the area. Poor communities remain poor, they assert, because local capital tends to be drained off to financial centers, corporate accounts, and stockholders' portfolios. In keeping with ecologists' injunction to "think globally and act locally," this imaginative book documents ways in which communities have counteracted constraints of the capitalist economic system and succeeded in promoting democratic control of their resources. Taking as one example the local impact of a new McDonald's restaurant, Gunn and Gunn first illustrate how capital potentially available for community development may be identified. They then explore a variety of alternative institutions—credit unions, nonprofit corporations, and consumers' and workers' cooperatives, among others—that serve to attract and retain resources, foster growth, and extend public control over the development process. The authors also consider how grassroots activism for social change may be integrated with more conventional political practice. Reclaiming Capital will be a vital resource for activists, elected officials, and others concerned with urban and regional planning.
Book Synopsis Democratizing Finance by : Marion Laboure
Download or read book Democratizing Finance written by Marion Laboure and published by Harvard University Press. This book was released on 2022-01-01 with total page 289 pages. Available in PDF, EPUB and Kindle. Book excerpt: We are only in the early stages of a broader revolution that will impact every aspect of the global economy, including commerce and government services. Coming financial technology innovations could improve the quality of life for all people. Over the past few decades, digital technology has transformed finance. Financial technology (fintech) has enabled more people with fewer resources, in more places around the world, to take advantage of banking, insurance, credit, investment, and other financial services. Marion Laboure and Nicolas Deffrennes argue that these changes are only the tip of the iceberg. A much broader revolution is under way that, if steered correctly, will lead to huge and beneficial social change. The authors describe the genesis of recent financial innovations and how they have helped consumers in rich and poor countries alike by reducing costs, increasing accessibility, and improving convenience and efficiency. They connect the dots between early innovations in financial services and the wider revolution unfolding today. Changes may disrupt traditional financial services, especially banking, but they may also help us address major social challenges: opening new career paths for millennials, transforming government services, and expanding the gig economy in developed markets. Fintech could lead to economic infrastructure developments in rural areas and could facilitate emerging social security and healthcare systems in developing countries. The authors make this case with a rich combination of economic theory and case studies, including microanalyses of the effects of fintech innovations on individuals, as well as macroeconomic perspectives on fintech's impact on societies. While celebrating fintech's achievements to date, Laboure and Deffrennes also make recommendations for overcoming the obstacles that remain. The stakes--improved quality of life for all people--could not be higher.
Book Synopsis Democratizing Finance by : Fred Block
Download or read book Democratizing Finance written by Fred Block and published by Verso Books. This book was released on 2022-02-08 with total page 337 pages. Available in PDF, EPUB and Kindle. Book excerpt: What if our financial system were organized to the benefit of the many rather than simply empowering the few? Robert Hockett and Fred Block argue that an entirely different financial system is both desirable and possible. They outline concrete steps that could get us there. Financial systems move the worlds savings from investment to investment, chasing the highest rates of return. They run on profit. But what if investment went to the enterprises or institutions that provided things that the majority of people would prioritize? Democratizing Finance includes six responses that seek to amend, elaborate, and challenge the arguments developed by Hockett and Block. Some of the core arguments put forward by other contributors include calls for the rapid elimination of private financial entities, the dilemmas of the politics associated with financial reforms, and the fate of parallel proposals advanced in the US in the 1930s.
Book Synopsis Organizing Access To Capital by : Gregory Squires
Download or read book Organizing Access To Capital written by Gregory Squires and published by Temple University Press. This book was released on 2003 with total page 250 pages. Available in PDF, EPUB and Kindle. Book excerpt: Gaining financial equality through community activism.
Download or read book Minority Business Challenge written by and published by . This book was released on 2000 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Democratizing Capital by : Richard Marsico
Download or read book Democratizing Capital written by Richard Marsico and published by . This book was released on 2005 with total page 338 pages. Available in PDF, EPUB and Kindle. Book excerpt: "In Democratizing Capital, Professor Richard Marsico offers a bold proposal for improving the Community Reinvestment Act (CRA), a law that has done more than any other to "democratize capital" by bringing under privileged people and neighbourhoods into the economic mainstream." "Democratizing Capital will be of interest to policymakers, bankers seeking to comply with the law, government officials seeking to enforce it, community groups seeking to increase lending in their neighbourhoods, students interested in learning about the CRA, and anyone else interested in low-income community economic development."--BOOK JACKET.
Download or read book Stalled Democracy written by Eva Bellin and published by Cornell University Press. This book was released on 2018-07-05 with total page 252 pages. Available in PDF, EPUB and Kindle. Book excerpt: In this ambitious book, Eva Bellin examines the dynamics of democratization in late-developing countries where the process has stalled. Bellin focuses on the pivotal role of social forces and particularly the reluctance of capital and labor to champion democratic transition, contrary to the expectations of political economists versed in earlier transitions. Bellin argues that the special conditions of late development, most notably the political paradoxes created by state sponsorship, fatally limit class commitment to democracy. In many developing countries, she contends, those who are empowered by capitalist industrialization become the allies of authoritarianism rather than the agents of democratic reform.Bellin generates her propositions from close study of a singular case of stalled democracy: Tunisia. Capital and labor's complicity in authoritarian relapse in that country poses a puzzle. The author's explanation of that case is made more general through comparison with the cases of other countries, including Mexico, Indonesia, South Korea, Turkey, and Egypt. Stalled Democracy also explores the transformative capacity of state-sponsored industrialization. By drawing on a range of real-world examples, Bellin illustrates the ability of developing countries to reconfigure state-society relations, redistribute power more evenly in society, and erode the peremptory power of the authoritarian state, even where democracy is stalled.
Book Synopsis Social Capital and Democratisation by : Martin Åberg
Download or read book Social Capital and Democratisation written by Martin Åberg and published by Routledge. This book was released on 2017-09-08 with total page 310 pages. Available in PDF, EPUB and Kindle. Book excerpt: Contributing an impressive historical basis for path dependency analysis and the role of social capital in newly established democracies, this book offers a fascinating and ground-breaking analysis of the role of social capital in the democratic context of Eastern Europe. Focusing on Poland and Ukraine, this book fills the literature gaps for integrated empirical and theoretical research with respect to post-Communist democratization, social capital vs. democratization theory, and the case study area of Central and Eastern Europe. Suitable for students from graduate level upwards in Central and Eastern European studies, political theory and history.
Book Synopsis The Minority Business Challenge by : Glenn Yago
Download or read book The Minority Business Challenge written by Glenn Yago and published by . This book was released on 2000 with total page 62 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Social Capital and the Transition to Democracy by : Gabriel Badescu
Download or read book Social Capital and the Transition to Democracy written by Gabriel Badescu and published by Routledge. This book was released on 2004-06 with total page 254 pages. Available in PDF, EPUB and Kindle. Book excerpt: This edited collection presents the latest quantitative research on how post-communist countries are adapting to Western models of society.
Book Synopsis Democratizing Global Governance by : E. Aksu
Download or read book Democratizing Global Governance written by E. Aksu and published by Springer. This book was released on 2002-07-15 with total page 319 pages. Available in PDF, EPUB and Kindle. Book excerpt: Is globalization beyond human control? In this thought-provoking text, the myths and mantras of this apparently irresistible force are challenged and dissembled. By examining a number of fundamental questions, the contributors put forward a radical reform agenda for global governance. Can the global multilateral system be democratic? Are security and economic concerns separable? Can the development of a global civil society contribute to effective global governance? An important and wide ranging study, this book will be essential reading for graduates and researchers in international relations.
Download or read book Natural Assets written by James Boyce and published by . This book was released on 2003-05-02 with total page 360 pages. Available in PDF, EPUB and Kindle. Book excerpt: Natural Assets explores a range of strategies for expanding the quantity and enhancing the quality of natural assets in the hands of low-income individuals and communities
Download or read book Freedom and Finance written by M. Haley and published by Springer. This book was released on 2001-06-26 with total page 215 pages. Available in PDF, EPUB and Kindle. Book excerpt: Within a decade, private capital surpassed aid as the primary capital source for developing countries. This book explores how the increase of private funds, in particular portfolio capital, effects democratization in developing countries. A probe into institutional investors' coordination, asset concentration, political preferences, and activism, provides a framework for understanding the politics of international financial constraints. Highlighting the dilemma presented by international finance's simultaneous emphasis on austerity and stability, the question of whether this public-to-private shift might facilitate an anti-democratic strain is examined.
Book Synopsis From Capital to Commons by : Hannes Gerhardt
Download or read book From Capital to Commons written by Hannes Gerhardt and published by Policy Press. This book was released on 2023-07-19 with total page 264 pages. Available in PDF, EPUB and Kindle. Book excerpt: In this stimulating analysis, Hannes Gerhardt outlines the potentials and challenges of a technology-enabled, commons-focused transition out of capitalism. The book shows that openness and cooperation are more beneficial in today’s economies and societies than competition and profit-seeking. Driven by this conviction, Gerhardt identifies key imperatives for overcoming capitalism, from democratizing our digital, material, and financial economies to maintaining a robust, political mobilization. Using clear examples, he explores tactical openings through the lens of ‘compeerism’, a newly constructed framework that highlights the latent counter-capitalist possibilities, but also limits, of our emerging technological landscape. This is an accessible contribution to counter-capitalist discourse that is both inspiring and pragmatic for academics and activists alike.
