Fringe Finance

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Fringe Finance

Author : Rob Aitken
Publisher : Routledge
ISBN 13 : 1317748379
Total Pages : 256 pages
Book Rating : 4.3/5 (177 download)

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Book Synopsis Fringe Finance by : Rob Aitken

Download or read book Fringe Finance written by Rob Aitken and published by Routledge. This book was released on 2015-02-11 with total page 256 pages. Available in PDF, EPUB and Kindle. Book excerpt: The most recent conversations about financial instability in International Political Economy have addressed the ongoing financial spasms of the past five years; a global financial spasm unleashed by the 2008 subprime debacle, ongoing Eurozone instability, and general price volatility in securities markets globally. Alongside and as part of these broader spasms, however, has been another key trend—the intensifying reach of global financial markets into and among those populations which live at its very edges. There are increasing, and increasingly profitable, experiments which are explicitly targeted to those without regular access to full or formalized financial practices. This book places the practices of fringe finance in critical context by situating them within a larger set of discussions in the field. Most importantly, this book is part of a much broader attempt in IPE to rethread the study of finance to questions of cultural and social theory in a meaningful manner. Finance is increasingly subjected to innovative forms of social inquiry influenced by a range of diverse methods including governmentality, actor-network theory and cultural economy. By drawing on several strands of social theory, this book contributes to this broader movement in IPE and helps open more space for the continuation of these interdisciplinary conversations. This work will be of great interest to students and scholars of IPE, development studies and economic sociology.

Fringe Finance

Author : Rob Aitken
Publisher : Routledge
ISBN 13 : 1317748360
Total Pages : 302 pages
Book Rating : 4.3/5 (177 download)

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Book Synopsis Fringe Finance by : Rob Aitken

Download or read book Fringe Finance written by Rob Aitken and published by Routledge. This book was released on 2015-02-11 with total page 302 pages. Available in PDF, EPUB and Kindle. Book excerpt: The most recent conversations about financial instability in International Political Economy have addressed the ongoing financial spasms of the past five years; a global financial spasm unleashed by the 2008 subprime debacle, ongoing Eurozone instability, and general price volatility in securities markets globally. Alongside and as part of these broader spasms, however, has been another key trend—the intensifying reach of global financial markets into and among those populations which live at its very edges. There are increasing, and increasingly profitable, experiments which are explicitly targeted to those without regular access to full or formalized financial practices. This book places the practices of fringe finance in critical context by situating them within a larger set of discussions in the field. Most importantly, this book is part of a much broader attempt in IPE to rethread the study of finance to questions of cultural and social theory in a meaningful manner. Finance is increasingly subjected to innovative forms of social inquiry influenced by a range of diverse methods including governmentality, actor-network theory and cultural economy. By drawing on several strands of social theory, this book contributes to this broader movement in IPE and helps open more space for the continuation of these interdisciplinary conversations. This work will be of great interest to students and scholars of IPE, development studies and economic sociology.

City of Debtors

Author : Anne Fleming
Publisher : Harvard University Press
ISBN 13 : 0674982053
Total Pages : 318 pages
Book Rating : 4.6/5 (749 download)

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Book Synopsis City of Debtors by : Anne Fleming

Download or read book City of Debtors written by Anne Fleming and published by Harvard University Press. This book was released on 2018-01-08 with total page 318 pages. Available in PDF, EPUB and Kindle. Book excerpt: Since the 1890s, people on the lowest rungs of the economic ladder in the U.S. have paid the highest price for credit. Anne Fleming tells how each generation has tackled the problem of fringe finance and its regulation. Her detailed work contributes to the broader, ongoing debate about the meaning of justice within capitalistic societies.

Fringe Banking in Winnipeg's North End

Author : Jerry Buckland
Publisher : Canadian Centre Policy Alternatives
ISBN 13 : 0886274281
Total Pages : 55 pages
Book Rating : 4.8/5 (862 download)

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Book Synopsis Fringe Banking in Winnipeg's North End by : Jerry Buckland

Download or read book Fringe Banking in Winnipeg's North End written by Jerry Buckland and published by Canadian Centre Policy Alternatives. This book was released on 2005 with total page 55 pages. Available in PDF, EPUB and Kindle. Book excerpt: The geographic boundaries of the North End, as determined by the North End Community Renewal Corporation, is north of the CPR tracks, south of Caruthers Avenue, east of McPhillips Street, and west of the Red River. [...] This 5 In his examination of fringe banking in the US, Caskey (1994, p. 84) argues that a chief reason for their rise is the increase in the number of households without bank accounts, rising from 9.5% of the US population in 1977 to 13.5% in 1989, the result of processes affecting banks (supply side) and bank clients (demand side). [...] The second focus credit risk related to high levels of debt-servicing and personal bankruptcy; the contraction in the bank and finance company supply of non-revolving, unsecured loans; the growing numbers of people with higher credit risk due to increased legal and illegal immigration to the US; the increase in gold prices; the growing awareness among entrepreneurs of the profits in fringe banking [...] Winnipeg and the 16.5% of the population of the North End, North End both have around 13.5% of comprise a smaller percentage at 11.9% their population over the age of retire- of the population of Winnipeg. [...] This is sub- the number of people contributing income stantially higher than the 35% average in to a household, the greater the likelihood the rest of Winnipeg.

The Global Financial Crisis and Its Aftermath

Author : A.G. Malliaris
Publisher : Oxford University Press
ISBN 13 : 0199386242
Total Pages : 400 pages
Book Rating : 4.1/5 (993 download)

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Book Synopsis The Global Financial Crisis and Its Aftermath by : A.G. Malliaris

Download or read book The Global Financial Crisis and Its Aftermath written by A.G. Malliaris and published by Oxford University Press. This book was released on 2016-09-06 with total page 400 pages. Available in PDF, EPUB and Kindle. Book excerpt: In The Global Financial Crisis, contributors argue that the complexity of the Global Financial Crisis challenges researchers to offer more comprehensive explanations by extending the scope and range of their traditional investigations. To achieve this, the volume views the financial crisis simultaneously through three different lenses---economic, psychological, and social values. Contributors offer a constructive methodology suitable for exploring financial crises. They recognize how current economic analysis did not prepare academic economists, business economists, traders, and regulators to anticipate economic and financial crises. So, they search more extensively within the broader discipline of economics for ideas related to crises but neglected perhaps because they were not mathematically rigorous. They affirm that the complexity of financial crises necessitates complementary research. Thus, to put the focal purpose of this book differently, they explore the Global Financial Crisis from three interconnected frameworks: the standards of orthodox economic analysis, Minskyan economics, and the role of ideas and values in economics. Values are the subject of both philosophy and psychology and can contribute to a better understanding of the Global Financial Crisis. Values, in general, have been relatively neglected by economists. This is not because there is doubt about their significance, but rather because welfare economics and collective choice still operate within the neoclassical paradigm. This volume argues that analyzing the value implications requires moving from the neoclassical framework to something that is broader and multidisciplinary.

The Everyday Life of Global Finance

Author : Paul Langley
Publisher : OUP Oxford
ISBN 13 : 0191553131
Total Pages : 316 pages
Book Rating : 4.1/5 (915 download)

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Book Synopsis The Everyday Life of Global Finance by : Paul Langley

Download or read book The Everyday Life of Global Finance written by Paul Langley and published by OUP Oxford. This book was released on 2008-05-08 with total page 316 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the US and UK, saving and borrowing routines have changed radically and become closely bound-up with the capital markets of global finance. As mutual funds have increased in popularity and pension provision has been transformed, many more individuals and households have come to invest in stocks and shares. As consumer borrowing has risen dramatically and mortgage finance has been extended to those deemed sub-prime, so the repayments of credit card holders and mortgagors have provided the basis for the issue and trading of bonds and other market instruments. The Everyday Life of Global Finance explores the unprecedented relationships that now bind society and the markets, challenging the dominant tendency to simply position recent developments in Wall Street and the City of London at the centre of contemporary finance. Grounded in literature from the sociology of finance and international political economy, drawing on the social theory of Callon, Foucault, and Latour, and informed by extensive empirical research, the book shows how global finance has become mundane and ordinary in Anglo-America. Finance is not 'out there somewhere', but is embedded in the calculative technologies and performances of reconfigured saving and borrowing networks, and is embodied through the assembly of everyday financial identities and self-disciplines. Society's new-found relationships with the financial markets are also shown, however, to be marked by stark inequalities, manifest contradictions, and political dissent. The Everyday Life of Global Finance is thus an ambitious and innovative contribution to our understanding of the contemporary financial world.

Between Truth and Power

Author : Julie E. Cohen
Publisher : Oxford University Press
ISBN 13 : 0190246715
Total Pages : 368 pages
Book Rating : 4.1/5 (92 download)

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Book Synopsis Between Truth and Power by : Julie E. Cohen

Download or read book Between Truth and Power written by Julie E. Cohen and published by Oxford University Press. This book was released on 2019-09-02 with total page 368 pages. Available in PDF, EPUB and Kindle. Book excerpt: A work of ambitious interdisciplinary scholarship that explores the ways that law and technology interact. Our current legal system is to a great extent the product of an earlier period of social and economic transformation. From the late nineteenth century through the mid-twentieth century, as accountability for industrial-age harms became a pervasive source of conflict, the US legal system underwent profound, tectonic shifts. Today, struggles over ownership of information-age resources and accountability for information-age harms are producing new systemic changes. In Between Truth and Power, Julie E. Cohen explores the relationships between legal institutions and political and economic transformation. Systematically examining struggles over the conditions of information flow and the design of information architectures and business models, she argues that as law is enlisted to help produce the profound economic and sociotechnical shifts that have accompanied the emergence of the informational economy, it is too is transforming in fundamental ways. Drawing on elements from legal theory, science and technology studies, information studies, communication studies and organization studies to develop a complex theory of institutional change, Cohen develops an account of the gradual emergence of legal institutions adapted to the information age and of the power relationships that such institutions reflect and reproduce. A tour de force of ambitious interdisciplinary scholarship, Between Truth and Power will transform our thinking about the possible futures of law and legal institutions in the networked information era.

The Finance of British Industry, 1918-1976

Author : W.A. Thomas
Publisher : Routledge
ISBN 13 : 113658790X
Total Pages : 376 pages
Book Rating : 4.1/5 (365 download)

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Book Synopsis The Finance of British Industry, 1918-1976 by : W.A. Thomas

Download or read book The Finance of British Industry, 1918-1976 written by W.A. Thomas and published by Routledge. This book was released on 2013-11-05 with total page 376 pages. Available in PDF, EPUB and Kindle. Book excerpt: How has British industry financed itself in the past? With the current debate on industry's financial strategy, this study of the past sixty years is a particularly timely contribution to the discussions on the future financing of industry. This book gives, for the inter-war years, a detailed examination of the main sources of funds, covering long-term and short-term funding. It also traces the transition in the new issue market and explores the course of firms' own internal funds, and ends his coverage of the pre-war years with a chapter on the Macmillan Gap. Dr Thomas puts particular emphasis on the influence of government policy on the financing of industry in post-war Britain. He also explains the effects the new sources of finance have had on industry and the major public corporations. His last chapter surveys the later developments in the main sources and uses of funds and the factors responsible for them, and includes an illuminating comparison of financial practices in some of the major overseas industrial countries. Dr. Thomas has written a clear and objective account describing the trends in finance since the First World War. His notably well-documented book is an essential reference work.

Australian Income Tax Legislation 2011: Income Tax Assessment Act 1997 (sections 1-1 - 717-710)

Author : Australia
Publisher : CCH Australia Limited
ISBN 13 : 1921701331
Total Pages : 2785 pages
Book Rating : 4.9/5 (217 download)

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Book Synopsis Australian Income Tax Legislation 2011: Income Tax Assessment Act 1997 (sections 1-1 - 717-710) by : Australia

Download or read book Australian Income Tax Legislation 2011: Income Tax Assessment Act 1997 (sections 1-1 - 717-710) written by Australia and published by CCH Australia Limited. This book was released on 2011 with total page 2785 pages. Available in PDF, EPUB and Kindle. Book excerpt: Provides a comprehensive consolidation of Australian income tax and related legislation, updated and consolidated for all amendments to 1 January 2011.

Beyond a Fringe

Author : Andrew Mitchell
Publisher : Biteback Publishing
ISBN 13 : 1785906992
Total Pages : 260 pages
Book Rating : 4.7/5 (859 download)

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Book Synopsis Beyond a Fringe by : Andrew Mitchell

Download or read book Beyond a Fringe written by Andrew Mitchell and published by Biteback Publishing. This book was released on 2021-10-12 with total page 260 pages. Available in PDF, EPUB and Kindle. Book excerpt: A Times Political Book of the Year A Daily Mail Political Book of the Year A Guardian Political Book of the Year An Independent Political Book of the Year Veering from the hilarious to the tragic, Andrew Mitchell's tales from the parliamentary jungle make for one of the most entertaining political memoirs in years. From his prep school years, straight out of Evelyn Waugh, through the Army to Cambridge, the City of London and the Palace of Westminster, Mitchell has passed through a series of British institutions at a time of furious social change – in the process becoming rather more cynical about the Establishment. Here, he brilliantly lifts the lid on its inner workings, from the punctilio of high finance to the dark arts of the government Whips' Office, and reveals how he accidentally started Boris Johnson's political career – an act which rebounded on him spectacularly. Engagingly honest about his ups and downs in politics, Beyond a Fringe is crammed with riotous political anecdotes and irresistible insider gossip from the heart of Westminster.

Ethics and Economic Governance

Author : Chris Clarke
Publisher : Routledge
ISBN 13 : 131736788X
Total Pages : 184 pages
Book Rating : 4.3/5 (173 download)

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Book Synopsis Ethics and Economic Governance by : Chris Clarke

Download or read book Ethics and Economic Governance written by Chris Clarke and published by Routledge. This book was released on 2015-10-23 with total page 184 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book seeks to explore the ethical dimensions of economic governance through an engagement with Adam Smith and a critical analysis of economistic understandings of the Global Financial Crisis. It examines ethical and political dilemmas associated with key aspects of the financialisation of Anglo-American economy and society, including systems of asset-based welfare, modern risk management and debt. In the wake of the financial crisis, recognition of the way in which everyday lives and life chances are tied into global finance is widespread. Yet few contributions in IPE explicitly tackle this issue as a question of ethics. By developing Adam Smith’s under-utilised account of how market-oriented behaviour is constituted through a process of ‘sympathy’, this book provides an innovative way of understanding contemporary issues of economic governance and the possibilities and limits for intervention within it. By taking Adam Smith’s moral philosophy seriously, it becomes evident that the ever-deeper enmeshing of finance in our everyday lives is a failed experiment. Turning the common understanding of Smith on its head, we can also turn accepted wisdom about the recent financial crisis on its head and see the urgency of making better known the ethico-political contestation that lies at the heart of financial market relations. It will be of interest to students and scholars of IPE as well as those across the social sciences who wish to question the foundations of contemporary economy and society.

Monthly Catalogue, United States Public Documents

Author :
Publisher :
ISBN 13 :
Total Pages : 1268 pages
Book Rating : 4.:/5 (31 download)

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Book Synopsis Monthly Catalogue, United States Public Documents by :

Download or read book Monthly Catalogue, United States Public Documents written by and published by . This book was released on 1980 with total page 1268 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Taming the Fringe

Author : Craig McMahon
Publisher : Palgrave Macmillan
ISBN 13 : 9783030706142
Total Pages : 234 pages
Book Rating : 4.7/5 (61 download)

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Book Synopsis Taming the Fringe by : Craig McMahon

Download or read book Taming the Fringe written by Craig McMahon and published by Palgrave Macmillan. This book was released on 2021-05-13 with total page 234 pages. Available in PDF, EPUB and Kindle. Book excerpt: Taming the Fringe analyses the regulation and evolution of two credit products that were, and remain, vital to the working poor. Policymakers have struggled with pawnbroking and moneylending because they raise broader issues pertaining to poverty, capitalism and financial regulation. The values of easily accessible credit and financial independence compete with society’s desire to protect people from predatory loans. Policymakers have pondered whether regulation can lower costs without reducing access for those most in need of small cash loans. Can government policy protect borrowers while also providing sufficient profit for lenders? The many attempts at doing so reveal the difficulty of safeguarding the needs of people who have experienced financial trouble before seeking a loan. Taming the Fringe is the first extended study of the payday lending and pawnbroking markets in Britain, and the only one to examine over 160 years of financial results and market data. This work explains why small-value lenders have generated such passionate debate, even being described as the devil incarnate. It adds to our knowledge of fringe banking and the evolving role of financial regulation to protect the working poor. Since 1870, pawnbrokers and moneylenders have actively shaped regulation – a viewpoint the existing literature does not address adequately. This work contributes to the scholarly and policy dialogue on financial inclusion, working-class poverty and the development and legitimacy of fringe lending. This book analyses the motivation, content and outcome of critical regulatory episodes that have shaped fringe banking. While historians have written volumes about consumer credit, few have analysed why elite policymakers have sought to protect the working poor from some credit markets. This work demonstrates that, across time, conflicting views on poverty and liberal economic theory have, to varying degrees, influenced how the government has protected the working poor, and will be of interest to financial and economic historians.

Municipal Finance

Author :
Publisher :
ISBN 13 :
Total Pages : 216 pages
Book Rating : 4.3/5 (121 download)

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Book Synopsis Municipal Finance by :

Download or read book Municipal Finance written by and published by . This book was released on 1956 with total page 216 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Credit-based Insurance Scores

Author : United States. Congress. House. Committee on Financial Services. Subcommittee on Oversight and Investigations
Publisher :
ISBN 13 :
Total Pages : 256 pages
Book Rating : 4.0/5 ( download)

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Book Synopsis Credit-based Insurance Scores by : United States. Congress. House. Committee on Financial Services. Subcommittee on Oversight and Investigations

Download or read book Credit-based Insurance Scores written by United States. Congress. House. Committee on Financial Services. Subcommittee on Oversight and Investigations and published by . This book was released on 2008 with total page 256 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Fringe Banking

Author : John P. Caskey
Publisher : Russell Sage Foundation
ISBN 13 : 1610441133
Total Pages : 180 pages
Book Rating : 4.6/5 (14 download)

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Book Synopsis Fringe Banking by : John P. Caskey

Download or read book Fringe Banking written by John P. Caskey and published by Russell Sage Foundation. This book was released on 1994-08-24 with total page 180 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Cogently argued, fills an important gap in the literature, and is accessible to undergraduates." —Choice "Dismantles the mythology surrounding pawnshops and check-cashing outlets, and demonstrates that they are no longer on the fringe of our financial system but integral to it."—San Francisco Bay Guardian In today's world of electronic cash transfers, automated teller machines, and credit cards, the image of the musty, junk-laden pawnshop seems a relic of the past. But it is not. The 1980s witnessed a tremendous boom in pawnbroking. There are now more pawnshops thanever before in U.S. history, and they are found not only in large cities but in towns and suburbs throughout the nation. As John Caskey demonstrates in Fringe Banking, the increased public patronage of both pawnshops and commercial check-cashing outlets signals the growing number of American households now living on a cash-only basis, with no connection to any mainstream credit facilities or banking services. Fringe Banking is the first comprehensive study of pawnshops and check-cashing outlets, profiling their operations, customers, and recent growth from family-owned shops to such successful outlet chains as Cash American and ACE America's Cash Express. It explains why, despite interest rates and fees substantially higher than those of banks, their use has so dramatically increased. According to Caskey, declining family earnings, changing family structures, a growing immigrant population, and lack of household budgeting skills has greatly reduced the demand for bank deposit services among millions of Americans. In addition, banks responded to 1980s regulatory changes by increasing fees on deposit accounts with small balances and closing branches in many poor urban areas. These factors combined to leave many low- and moderate-income families without access to checking privileges, credit services, and bank loans. Pawnshops and check-cashing outlets provide such families with essential financial services thay cannot obtain elsewhere. Caskey notes that fringe banks, particularly check-cashing outlets, are also utilized by families who could participate in the formal banking system, but are willing to pay more for convenience and quick access to cash. Caskey argues that, contrary to their historical reputation as predators milking the poor and desperate, pawnshops and check-cashing outlets play a key financial role for disadvantaged groups. Citing the inconsistent and often unenforced state laws currently governing the industry, Fringe Banking challenges policy makers to design regulations that will allow fringe banks to remain profitable without exploiting the customers who depend on them.

Shortfall

Author : Alice Echols
Publisher : The New Press
ISBN 13 : 1620973049
Total Pages : 320 pages
Book Rating : 4.6/5 (29 download)

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Book Synopsis Shortfall by : Alice Echols

Download or read book Shortfall written by Alice Echols and published by The New Press. This book was released on 2017-10-03 with total page 320 pages. Available in PDF, EPUB and Kindle. Book excerpt: The rollicking true story of a 1930s version of Bernie Madoff—and the building and loan crash he helped precipitate—in a wonderful work of narrative nonfiction by the Gustavus Myers book award winner Shortfall opens with a surprise discovery in an attic—boxes filled with letters and documents hidden for more than seventy years—and launches into a fast-paced story that uncovers the dark secrets in Echols’s family—an upside-down version of the building and loan story at the center of Frank Capra’s 1946 movie, It’s a Wonderful Life. In a narrative filled with colorful characters and profound insights into the American past, Shortfall is also the essential backstory to more recent financial crises, from the savings and loan debacle of the 1980s and 1990s to the subprime collapse of 2008. Shortfall chronicles the collapse of the building and loan industry during the Great Depression—a story told in microcosm through the firestorm that erupted in one hard-hit American city during the early 1930s. Over a six-month period in 1932, all four of the building and loan associations in Colorado Springs, Colorado, crashed in an awful domino-like fashion, leaving some of the town’s citizens destitute. The largest of these associations was owned by author Alice Echols’s grandfather, Walter Davis, who absconded with millions of dollars in a case that riveted the national media. This book tells the dramatic story of his rise and shocking fall.