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Financial Services For The Urban Poor
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Book Synopsis Financial Access of the Urban Poor in India by : Meenakshi Rajeev
Download or read book Financial Access of the Urban Poor in India written by Meenakshi Rajeev and published by Springer. This book was released on 2017-03-22 with total page 99 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book focuses on the issue of financial exclusion with particular reference to the urban informal sector in India. Continuing the work of its predecessor, the current Government of India is also placing considerable importance on driving policy initiatives for financial inclusion. However, financial exclusion in urban areas, especially of the lower strata of the society has not received the attention it deserves from researchers and policymakers, even though urban poverty and deprivations are of considerable importance in the present Indian context. The challenges of financial inclusion and accessibility in the urban areas differ substantially from those found in the rural regions given the fact that the possibility of physical access to financial services is much higher in urban areas. In order to provide a macro perspective, the book begins with an analysis of the unit record data on nature and extent of financial inclusion and access to credit in urban India, based on Debt and Investment survey data (59th and 70th rounds) provided by the National Sample Survey Office (NSSO). In subsequent steps, the book discusses findings from a primary survey carried out in the state of Karnataka of self-employed persons engaged in informal services sector. This exercise has helped to comprehend the ways in which they currently meet their financial needs for different income generating purposes, the terms and conditions under which they do so, and the challenges that remained for possible interventions. Experiences of other developing nations in their attempts to ensure financial inclusion and the lesson learnt thereby are the other highlights of the book.
Book Synopsis Financial Services for the Urban Poor by : Jo Ann Paulson
Download or read book Financial Services for the Urban Poor written by Jo Ann Paulson and published by . This book was released on 2016 with total page 25 pages. Available in PDF, EPUB and Kindle. Book excerpt: November 1998Standard Bank of South Africa's innovative E Bank program demonstrates how a commercial bank can use market information to bundle services needed by the urban poor - and valued by the poorer clients to justify a fee high enough to cover costs.Much of the research on financial services in low-income countries has focused on microcredit programs. Much less attention has been paid to the design of depository services, although many more low-income people use depository services than get access to credit. Having access to depository services is important for household well-being: to safeguard funds, to save for large purchases, and as insurance against unexpected expenditures.Economic reform programs in recent years have encouraged banks to push up nominal interest rates to keep deposit rates positive in real terms and to motivate savings in financial assets. But once deposit rates are positive in real terms, banks typically increase minimum deposit size or find other ways to discourage small depositors because of the high costs of maintaining and servicing low-balance accounts. Traditional passbook savings accounts, the main product used by low-income households, are being phased out because of high costs.After South Africa's move to democracy in 1994, it was politically imperative that the country's major financial institutions help redress the historically weak system of services for low-income people. Paulson and McAndrews describe one of the more interesting experiments. In 1993, Standard Bank of South Africa created an affiliate, called E Bank, to deliver basic banking services to the urban poor.E Bank provides a package of financial services designed specifically for low-income clients, offering greater convenience for the user while keeping under control the costs to the bank of providing services. E Bank combines the innovative technology of modified ATM services with staff available to help all clients. By rethinking the needs of the basic banking customer, E Bank was able to bundle services valued by poorer clients to justify a fee high enough to cover costs.This paper - a product of the Financial Sector Development Department - is part of a larger effort in the department to explore ways to expand financial services in low-income countries. The authors may be contacted at [email protected] or [email protected].
Book Synopsis Financial Services for the Urban Poor by : Jo Ann Paulson
Download or read book Financial Services for the Urban Poor written by Jo Ann Paulson and published by World Bank Publications. This book was released on 1998 with total page 28 pages. Available in PDF, EPUB and Kindle. Book excerpt: November 1998 Standard Bank of South Africa's innovative E Bank program demonstrates how a commercial bank can use market information to bundle services needed by the urban poor-and valued by the poorer clients to justify a fee high enough to cover costs. Much of the research on financial services in low-income countries has focused on microcredit programs. Much less attention has been paid to the design of depository services, although many more low-income people use depository services than get access to credit. Having access to depository services is important for household well-being: to safeguard funds, to save for large purchases, and as insurance against unexpected expenditures. Economic reform programs in recent years have encouraged banks to push up nominal interest rates to keep deposit rates positive in real terms and to motivate savings in financial assets. But once deposit rates are positive in real terms, banks typically increase minimum deposit size or find other ways to discourage small depositors because of the high costs of maintaining and servicing low-balance accounts. Traditional passbook savings accounts, the main product used by low-income households, are being phased out because of high costs. After South Africa's move to democracy in 1994, it was politically imperative that the country's major financial institutions help redress the historically weak system of services for low-income people. Paulson and McAndrews describe one of the more interesting experiments. In 1993 Standard Bank of South Africa created an affiliate, called E Bank, to deliver basic banking services to the urban poor. E Bank provides a package of financial services designed specifically for low-income clients, offering greater convenience for the user while keeping under control the costs to the bank of providing services. E Bank combines the innovative technology of modified ATM services with staff available to help all clients. By rethinking the needs of the basic banking customer, E Bank was able to bundle services valued by poorer clients to justify a fee high enough to cover costs. This paper-a product of the Financial Sector Development Department-is part of a larger effort in the department to explore ways to expand financial services in low-income countries. The authors may be contacted at [email protected] or Jamie. Mcandrews@NY. Frb.Org.
Book Synopsis Capital, capacities and collaboration: The multiple roles of community savings in addressing urban poverty by :
Download or read book Capital, capacities and collaboration: The multiple roles of community savings in addressing urban poverty written by and published by IIED. This book was released on with total page 71 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Urban Poor Funds written by Diana Mitlin and published by IIED. This book was released on 2008 with total page 86 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Serving the Urban Poor by : David Fanshel
Download or read book Serving the Urban Poor written by David Fanshel and published by Praeger. This book was released on 1992-08-24 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: The urban poor suffer many problems beyond pressing financial concerns, including those involving housing, health, and family relationships. Social welfare agencies struggle to cope with the enormity of need presented by individuals and families. The providers frequently lack a framework to guide their priorities and the delivery of services. This volume, based on the authors' close and extensive collaboration with New York's Lower East Family Union, affords a substantive, insightful, and effective approach not only to defining the services needed but also to the delivery thereof. It also examines the cognitive and emotional states which the clients bring as they seek help. Means are provided for establishing priority of needs, assessing the value of preventive services, and formulating family-specific service responses. Potential family dissolution and implicit child welfare concerns are viewed as especially critical and receives extensive constructive discussion. Stressed, poverty-level families often approach helping agencies in a nearly exhausted condition. The needs of such clients can only be answered, and the last straw avoided, if the agencies are structured to identify the most immediate needs and to supply the understanding, supportive relationship, and the requisite practical assistance. This book, with its extensive base of experience, guides the process wisely. It offers informed hope that the awful conditions of the urban poor can be ameliorated through better planned and effective service delivery, and caring interventions.
Book Synopsis Access to Basic Infrastructure by the Urban Poor by : Aurelio Menéndez
Download or read book Access to Basic Infrastructure by the Urban Poor written by Aurelio Menéndez and published by World Bank Publications. This book was released on 1991 with total page 94 pages. Available in PDF, EPUB and Kindle. Book excerpt: This report documents discussions on urban poverty issues in the developing countries of Latin America, Africa, and Asia related to the urban poor's access to basic infrastructure services. Basic infrastructure services are services that allow the urban poor to live under conditions that facilitate their income-generating activities so they can maintain a good nutritional level and participate in the normal activities of society. Services include housing, transportation, water, sanitation, solid waste disposal, and energy for cooking and lighting. In addition to discussing ways to improve the conditions of the poor in urban areas through the provision of basic infrastructure services, the workshop also laid the groundwork for follow-up regional senior policy seminars in Latin America, Africa, and Asia. While workshop participants did not attempt to conclude with formal policy recommendations, they did develop general areas of consensus. The focus of the workshop discussions were on the following concerns: financial issues; the role of nongovernmental organizations; the role of governments; and the relationship between nongovernmental organizations and the governments.
Book Synopsis Analyzing Urban Poverty by : Judy Baker
Download or read book Analyzing Urban Poverty written by Judy Baker and published by World Bank Publications. This book was released on 2004 with total page 66 pages. Available in PDF, EPUB and Kindle. Book excerpt: "In recent years an extensive body of literature has emerged on the definition, measurement, and analysis of poverty. Much of this literature focuses on analyzing poverty at the national level, or spatial disaggregation by general categories of urban or rural areas, with adjustments made for regional price differentials. Yet for an individual city attempting to tackle the problems of urban poverty, this level of aggregation is not sufficient for answering specific questions such as where the poor are located in the city, whether there are differences between poor areas, if access to services varies by subgroup, whether specific programs are reaching the poorest, and how to design effective poverty reduction programs and policies. Answering these questions is critical, particularly for large, sprawling cities with highly diverse populations and growing problems of urban poverty. Understanding urban poverty presents a set of issues distinct from general poverty analysis and thus may require additional tools and techniques. Baker and Schuler summarize the main issues in conducting urban poverty analysis, with a focus on presenting a sample of case studies from urban areas that were implemented by a number of different agencies using a range of analytical approaches for studying urban poverty. Specific conclusions regarding design and analysis, data, timing, cost, and implementation issues are discussed. This paper-a product of the Urban Unit, Transport and Urban Development Department-is part of a larger effort in the department to promote strategies for reducing urban poverty"--World Bank web site.
Book Synopsis Urban Livelihoods by : Tony Lloyd-Jones
Download or read book Urban Livelihoods written by Tony Lloyd-Jones and published by Routledge. This book was released on 2014-10-14 with total page 331 pages. Available in PDF, EPUB and Kindle. Book excerpt: One of the most promising approaches to poverty reduction in developing countries is to encourage sustainable livelihoods for the poor. This takes account of their opportunities and assets and the sources of their vulnerability. Based on recent and extensive research, this volume thoroughly assesses the value of the livelihoods approach to urban poverty. The book reviews the situation and strategies of the urban poor and identifies the policies and practical programmes that work best. Lasting improvements depend not just on economic development, but on political commitment and structures that are responsive to the claims and needs of different groups of poor people.
Book Synopsis Strong Towns by : Charles L. Marohn, Jr.
Download or read book Strong Towns written by Charles L. Marohn, Jr. and published by John Wiley & Sons. This book was released on 2019-10-01 with total page 262 pages. Available in PDF, EPUB and Kindle. Book excerpt: A new way forward for sustainable quality of life in cities of all sizes Strong Towns: A Bottom-Up Revolution to Build American Prosperity is a book of forward-thinking ideas that breaks with modern wisdom to present a new vision of urban development in the United States. Presenting the foundational ideas of the Strong Towns movement he co-founded, Charles Marohn explains why cities of all sizes continue to struggle to meet their basic needs, and reveals the new paradigm that can solve this longstanding problem. Inside, you’ll learn why inducing growth and development has been the conventional response to urban financial struggles—and why it just doesn’t work. New development and high-risk investing don’t generate enough wealth to support itself, and cities continue to struggle. Read this book to find out how cities large and small can focus on bottom-up investments to minimize risk and maximize their ability to strengthen the community financially and improve citizens’ quality of life. Develop in-depth knowledge of the underlying logic behind the “traditional” search for never-ending urban growth Learn practical solutions for ameliorating financial struggles through low-risk investment and a grassroots focus Gain insights and tools that can stop the vicious cycle of budget shortfalls and unexpected downturns Become a part of the Strong Towns revolution by shifting the focus away from top-down growth toward rebuilding American prosperity Strong Towns acknowledges that there is a problem with the American approach to growth and shows community leaders a new way forward. The Strong Towns response is a revolution in how we assemble the places we live.
Book Synopsis Access to Microfinance and Financial Training for Innovative Urban Sustainability by : Musau Mutisya
Download or read book Access to Microfinance and Financial Training for Innovative Urban Sustainability written by Musau Mutisya and published by African Books Collective. This book was released on 2014-10-06 with total page 272 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Kenyan population is highly concentrated in urban centres, leading to increased social, economic and environmental strains, with a significant percentage of urban dwellers living in sprawling slums. Urban development is increasingly a major focus, especially in the fight against urban sustainability problems. There is little practical orientation in the academic literature for the growing gap between the rich and poor. Current literature is enormously concerned with resource use and environmental pressures, paying scant attention to the nexus between urban sustainability and empowerment of the urban poor. This book initiates debates on the segment of urban population often referred to as the bottom of the pyramid (BOP), by analysing the microfinance innovation following evaluation of the impacts of access to microfinance and financial training and the implications to urban sustainability in Kenya. The main conclusion reached is that microfinance has an instrumental role to play in promoting sustainable urban development as it supports social welfare improvement and increases the livelihood of participants, business development and urban sustainability to a certain extent, thereby empowering the urban poor in contributing to poverty alleviation.
Book Synopsis Shelter Strategies for the Urban Poor by : Robert M. Buckley
Download or read book Shelter Strategies for the Urban Poor written by Robert M. Buckley and published by World Bank Publications. This book was released on 2004 with total page 44 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Reaching The Urban Poor by : G. Shabbir Cheema
Download or read book Reaching The Urban Poor written by G. Shabbir Cheema and published by Routledge. This book was released on 2019-08-16 with total page 210 pages. Available in PDF, EPUB and Kindle. Book excerpt: As urban populatiCC'lS in developing countries oootinue to grow rapidly, cne of the nest critical issues in the Third W:lrld has beoane p:rovidirYJ shelter and other basic services such as clean water, heal th clinics, and sewage disposal to the urban poor. This book of nine case studies of urban programs and projects in Ind:oesia, Kenya, Malaysia, Nigeria, Pakistan, South Korea, India, and Sri Lanka focuses en impediments to slum upgrading. The authour discuss each project's evoluticn, the capabilities and resources of inplenenting agencies, the problems of interagency relaticoships and coordinaticn, costs and funding, the difficulties of developing effective linkages with poor cx:mnunities, and the accessibility of the new services to the urban poor.
Book Synopsis Portfolios of the Poor by : Daryl Collins
Download or read book Portfolios of the Poor written by Daryl Collins and published by Princeton University Press. This book was released on 2009-04-20 with total page 296 pages. Available in PDF, EPUB and Kindle. Book excerpt: Nearly forty percent of humanity lives on an average of two dollars a day or less. If you've never had to survive on an income so small, it is hard to imagine. How would you put food on the table, afford a home, and educate your children? How would you handle emergencies and old age? Every day, more than a billion people around the world must answer these questions. Portfolios of the Poor is the first book to systematically explain how the poor find solutions to their everyday financial problems. The authors conducted year-long interviews with impoverished villagers and slum dwellers in Bangladesh, India, and South Africa--records that track penny by penny how specific households manage their money. The stories of these families are often surprising and inspiring. Most poor households do not live hand to mouth, spending what they earn in a desperate bid to keep afloat. Instead, they employ financial tools, many linked to informal networks and family ties. They push money into savings for reserves, squeeze money out of creditors whenever possible, run sophisticated savings clubs, and use microfinancing wherever available. Their experiences reveal new methods to fight poverty and ways to envision the next generation of banks for the "bottom billion." Indispensable for those in development studies, economics, and microfinance, Portfolios of the Poor will appeal to anyone interested in knowing more about poverty and what can be done about it.
Author :United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Credit and Insurance Publisher : ISBN 13 : Total Pages :196 pages Book Rating :4.0/5 (18 download)
Book Synopsis Banking Services in Low- and Moderate-income Communities by : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Credit and Insurance
Download or read book Banking Services in Low- and Moderate-income Communities 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 196 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Financial services institutions information for assessing the government's potential financial exposure : report to the Chairman, Subcommittee on Financial Services and Technology, Committee on Banking, Housing, and Urban Affairs, U.S. Senate by :
Download or read book Financial services institutions information for assessing the government's potential financial exposure : report to the Chairman, Subcommittee on Financial Services and Technology, 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 56 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Urban Unbanked in Mexico and the United States by : John P. Caskey
Download or read book The Urban Unbanked in Mexico and the United States written by John P. Caskey and published by World Bank Publications. This book was released on 2006 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper examines the ways in which lower-income households obtain basic financial services in urban communities in Mexico and the United States. And it discusses the efforts that private sector and government organizations are making to lower the cost or improve the quality of those services. The paper summarizes available information on these issues and assesses the rationale and challenges facing the strategies that both countries are using to improve the financial services available to lower-income households, giving particular attention to "unbanked" households, meaning households that do not have deposit accounts with any regulated deposit-taking institution, and also to lower-income households in large urban areas. In comparing the experiences of the two countries, the paper reviews the extent to which lower-income households are unbanked, their use of non-bank financial services, and strategies for improving financial services to the unbanked. The underlying differences between the countries' typical household incomes-national income per capita in Mexico in 2002 was US$8,540, compared with $35,060 in the United States (World Bank 2003)-may also influence the difference in percentage of unbanked-9.1 percent of families in the United States compared with 76.4 percent found in a recent study in Mexico City.
