Fringe Finance

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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 : 198 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 198 pages. Available in PDF, EPUB and Kindle. Book excerpt: Since the rise of the small-sum lending industry in the 1890s, people on the lowest rungs of the economic ladder in the United States have been asked to pay the greatest price for credit. Again and again, Americans have asked why the most fragile borrowers face the highest costs for access to the smallest loans. To protect low-wage workers in need of credit, reformers have repeatedly turned to law, only to face the vexing question of where to draw the line between necessary protection and overreaching paternalism. City of Debtors shows how each generation of Americans has tackled the problem of fringe finance, using law to redefine the meaning of justice within capitalism for those on the economic margins. Anne Fleming tells the story of the small-sum lending industry’s growth and regulation from the ground up, following the people who navigated the market for small loans and those who shaped its development at the state and local level. Fleming’s focus on the city and state of New York, which served as incubators for numerous lending reforms that later spread throughout the nation, differentiates her approach from work that has centered on federal regulation. It also reveals the overlooked challenges of governing a modern financial industry within a federalist framework. Fleming’s detailed work contributes to the broader and ongoing debate about the meaning of justice within capitalistic societies, by exploring the fault line in the landscape of capitalism where poverty, the welfare state, and consumer credit converge.

Shortchanged

Author : Howard Jacob Karger
Publisher : Berrett-Koehler Publishers
ISBN 13 : 1609943880
Total Pages : 263 pages
Book Rating : 4.6/5 (99 download)

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Book Synopsis Shortchanged by : Howard Jacob Karger

Download or read book Shortchanged written by Howard Jacob Karger and published by Berrett-Koehler Publishers. This book was released on 2005-09-01 with total page 263 pages. Available in PDF, EPUB and Kindle. Book excerpt: “An eye-opening read in the school of Barbara Ehrenreich’s Nickel & Dimed . . . shines a bright light on the economy’s darker side.” —Publishers Weekly (starred review) Drive through a low-income neighborhood and you’re likely to see streets lined with pawnshops, check cashers, rent-to-own stores, payday and tax refund lenders, auto title pawns, and buy-here-pay-here used car lots. We’re awash in “alternative financial services” directed at the poor and those with credit problems. Howard Karger describes this world as an economic Wild West, where just about any financial scheme that’s not patently illegal is tolerated. Taking a hard look at this fringe economy, Karger shows that what seem to be small, independent storefront operations are actually part of a fully-formed parallel economy dominated by a handful of well-financed corporations, subject to little or no oversight, with increasingly strong ties to mainstream financial institutions. It is a hidden world, Karger writes, where a customer’s economic fate is sealed with a handshake, a smile, and a stack of fine print documents that would befuddle many attorneys. Filled with heartbreaking stories of real people trapped in perpetual debt, Shortchanged exposes the deceptive practices that allow these businesses to prey on people when they are most vulnerable. Karger reveals the many ways this industry has run amok, ruining countless people’s lives, and shows that it’s not just the poor but, more and more, maxed-out middle class consumers who fall prey to these devious schemes. Balancing compassion with a realistic awareness of the risks any business faces in working with an economically distressed clientele, Karger details hard-headed, practical recommendations for reforming this predatory industry.

Behavioral Risk Management

Author : Hersh Shefrin
Publisher : Springer
ISBN 13 : 1137445629
Total Pages : 529 pages
Book Rating : 4.1/5 (374 download)

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Book Synopsis Behavioral Risk Management by : Hersh Shefrin

Download or read book Behavioral Risk Management written by Hersh Shefrin and published by Springer. This book was released on 2016-04-29 with total page 529 pages. Available in PDF, EPUB and Kindle. Book excerpt: The psychological dimension of managing risk is of crucial importance, and its study has led to the identification of specific do's and don'ts. Those with an understanding of the psychology underlying risk and the skills to recognize its manifestation in practice, have the opportunity to develop frameworks that embody the do's and don'ts, thereby producing sound judgments and good decisions. Those lacking the understanding and the skills are destined to be more hit and miss in their approach to risk management, doing the don'ts and not doing the do's. Virtually every major risk management catastrophe in the last fifteen years has psychological pitfalls at its root. The list of catastrophes includes the 2008 bankruptcy of Lehman Brothers and subsequent global financial crisis, the 2010 explosion at BP's Macondo well in the Gulf of Mexico and the 2011 nuclear meltdown at the Fukushima Daiichi power plant. A critical lesson from psychological studies for those involved in risk management is that people's judgments and decisions about risk vary with type of circumstance. In Behavioral Risk Management readers will learn that there are specific actions that organizations can undertake to incorporate understanding, recognition, and behavioral interventions into the practice of risk management. There are many examples throughout the book that illustrate doing the don'ts. The chapters in the first part of the book introduce the main ideas, and the chapters in the latter part provide insight into how to apply those ideas to the practical world in which risk managers operate.

Building Financial Resilience

Author : Jerry Buckland
Publisher : Springer
ISBN 13 : 3319724193
Total Pages : 289 pages
Book Rating : 4.3/5 (197 download)

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Book Synopsis Building Financial Resilience by : Jerry Buckland

Download or read book Building Financial Resilience written by Jerry Buckland and published by Springer. This book was released on 2018-02-19 with total page 289 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book examines how credit and finance schemes affect the financial lives of vulnerable people around the world. These schemes include payday lending, matched savings, and financial literacy in the Global North, and micro-credit and mobile banking in the Global South. Buckland sets these schemes within the context of financialization and seeks to identify strengths, weaknesses, and ways to enhance the well-being of vulnerable people. This book’s coverage of a wide range of financial products and geographic regions makes for a unique and innovative perspective on this topic. It presents a balanced critique of credit and finance schemes under the assumption that reform is the most practical means to improve human well-being.

The Global Financial Crisis and Its Aftermath

Author : A.G. Malliaris
Publisher : Oxford University Press
ISBN 13 : 0199386242
Total Pages : 521 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 521 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.

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.

Australian Income Tax Legislation, 2012, Vol 1

Author :
Publisher : CCH Australia Limited
ISBN 13 : 1922010863
Total Pages : 2545 pages
Book Rating : 4.9/5 (22 download)

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Book Synopsis Australian Income Tax Legislation, 2012, Vol 1 by :

Download or read book Australian Income Tax Legislation, 2012, Vol 1 written by and published by CCH Australia Limited. This book was released on with total page 2545 pages. Available in PDF, EPUB and Kindle. Book excerpt:

An Introduction to Financial Markets and Institutions

Author : Maureen Burton
Publisher : Routledge
ISBN 13 : 1317476751
Total Pages : 696 pages
Book Rating : 4.3/5 (174 download)

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Book Synopsis An Introduction to Financial Markets and Institutions by : Maureen Burton

Download or read book An Introduction to Financial Markets and Institutions written by Maureen Burton and published by Routledge. This book was released on 2015-03-04 with total page 696 pages. Available in PDF, EPUB and Kindle. Book excerpt: Completely revised and updated to include the ongoing financial crisis and the Obama administration's programs to combat it, this is the best available introductory textbook for an undergraduate course on Financial Markets and Institutions. It provides balanced coverage of theories, policies, and institutions in a conversational style that avoids complex models and mathematics, making it a student-friendly text with many unique teaching features. Financial crises, global competition, deregulation, technological innovation, and growing government oversight have significantly changed financial markets and institutions. The new edition of this text is designed to capture the ongoing changes, and to present an analytical framework that enables students to understand and anticipate changes in the financial system and accompanying changes in markets and institutions. The text includes Learning Objectives and end-of-chapter Key Words and Questions, and an online Instructor's Manual is available to adopters.

East Asia's Financial Systems

Author : Seiichi Masuyama
Publisher : Institute of Southeast Asian Studies
ISBN 13 : 9789813055964
Total Pages : 392 pages
Book Rating : 4.0/5 (559 download)

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Book Synopsis East Asia's Financial Systems by : Seiichi Masuyama

Download or read book East Asia's Financial Systems written by Seiichi Masuyama and published by Institute of Southeast Asian Studies. This book was released on 1999 with total page 392 pages. Available in PDF, EPUB and Kindle. Book excerpt: Financial systems in the East Asian region are commanding worldwide attention. Japan's financial sector, with an ailing banking system in the aftermath of a bubble economy, is undergoing a "Big Bang" deregulation, liberalization, and securitization. At the same time, the rehabilitation of Southeast Asian and Korean economies in the wake of the Asian financial crisis awaits restoration of their banking sectors. The region's bank-dominated and development finance-oriented financial systems are coming into friction with global capital markets that lack adequate architecture. In this volume, researchers from ten East Asian think- tanks analyse the financial systems in their respective economies. They survey the financial sector deregulation and liberalization that took place in the midst of economic booms and they evaluate the role of the financial systems in the region's current economic misfortunes. Together, the pieces in this volume lay the groundwork for understanding how financial systems in East Asia have evolved as the economies have grown more complex and capital markets have globalized, and how these systems must adapt to move beyond today's crisis to serve the region's economies in the future.

Critical Race Spatial Analysis

Author : Deb Morrison
Publisher : Taylor & Francis
ISBN 13 : 1000973980
Total Pages : 190 pages
Book Rating : 4.0/5 (9 download)

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Book Synopsis Critical Race Spatial Analysis by : Deb Morrison

Download or read book Critical Race Spatial Analysis written by Deb Morrison and published by Taylor & Francis. This book was released on 2023-07-03 with total page 190 pages. Available in PDF, EPUB and Kindle. Book excerpt: How does space illuminate educational inequity?Where and how can spatial analysis be used to disrupt educational inequity?Which tools are most appropriate for the spatial analysis of educational equity?This book addresses these questions and explores the use of critical spatial analysis to uncover the dimensions of entrenched and systemic racial inequities in educational settings and identify ways to redress them. The contributors to this book – some of whom are pioneering scholars of critical race spatial analysis theory and methodology – demonstrate the application of the theory and tools applied to specific locales, and in doing so illustrate how this spatial and temporal lens enriches traditional approaches to research. The opening macro-theoretical chapter lays the foundation for the book, rooting spatial analyses in critical commitments to studying injustice. Among the innovative methodological chapters included in this book is the re-conceptualization of mapping and space beyond the simple exploration of external spaces to considering internal geographies, highlighting how the privileged may differ in socio-spatial thinking from oppressed communities and what may be learned from both perspectives; data representations that allow the construction of varied narratives based on differences in positionality and historicity of perspectives; the application of redlining to the analysis of classroom interactions; the use of historical archives to uncover the process of marginalization; and the application of techniques such as the fotonovela and GIS to identify how spaces are defined and can be reimagined.The book demonstrates the analytical and communicative power of mapping and its potential for identifying and dismantling racial injustice in education. The editors conclude by drawing connections across sections, and elucidating the tensions and possibilities for future research.ContributorsBenjamin BlaisdellGraham S. GarlickLeigh Anna HidalgoMark C. HogrebeJoshua RadinskyDaniel G. SolórzanoWilliam F. TateVerónica N. VélezFederico R. Waitoller

Between Truth and Power

Author : Julie E. Cohen
Publisher : Oxford University Press
ISBN 13 : 0190246693
Total Pages : 377 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 with total page 377 pages. Available in PDF, EPUB and Kindle. Book excerpt: This work explores the relationships between legal institutions and political and economic transformation. It 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 changing in fundamental ways.

The Price of Misfortune

Author : Daniel Platt
Publisher : University of Chicago Press
ISBN 13 : 022673403X
Total Pages : 221 pages
Book Rating : 4.2/5 (267 download)

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Book Synopsis The Price of Misfortune by : Daniel Platt

Download or read book The Price of Misfortune written by Daniel Platt and published by University of Chicago Press. This book was released on 2023-10-25 with total page 221 pages. Available in PDF, EPUB and Kindle. Book excerpt: A history of the struggle for debtors’ rights from the Civil War to the Great Depression What can be taken from someone who has borrowed money and cannot repay? What do the victims of misfortune owe to their lenders, and what can they keep for themselves? The answers to those questions, immensely important for debtors, creditors, and society at large, have changed over time. The Price of Misfortune examines the cause of debtors’ rights in the modern United States and the struggles of reformers who fought to establish financial freedoms in law. Daniel Platt shows how, in the wake of the Civil War, a range of advocates drew potent analogies between slavery, imprisonment for debt, and the experiences of wage garnishment and property foreclosure. He traces the ways those analogies were used to campaign for bold new protections for debtors, keeping them secure in their labor, property, and personhood. Yet, as Platt demonstrates, those reforms tended to assume as their ideal borrower someone who was white, propertied, and male. In subsequent decades, the emancipatory promise of debtors’ rights would be tested as women, wage earners, and African Americans seized on their language to challenge other structural inequalities: the dependency of marriage, the exploitation of industrial capitalism, and the oppression of Jim Crow. By reconstructing these forgotten developments—and recovering the experiences of indebted farmwives, sharecroppers, and wage workers—The Price of Misfortune narrates a new history of inequality, coercion, and law amid the early financialization of American capitalism.

The City: Land use, structure, and change in the Western city

Author : Michael Pacione
Publisher : Taylor & Francis
ISBN 13 : 9780415252713
Total Pages : 612 pages
Book Rating : 4.2/5 (527 download)

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Book Synopsis The City: Land use, structure, and change in the Western city by : Michael Pacione

Download or read book The City: Land use, structure, and change in the Western city written by Michael Pacione and published by Taylor & Francis. This book was released on 2002 with total page 612 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Enforcement of the Fair Housing Act of 1968

Author : United States. Congress. House. Committee on the Judiciary. Subcommittee on the Constitution, Civil Rights, and Civil Liberties
Publisher :
ISBN 13 :
Total Pages : 410 pages
Book Rating : 4.0/5 ( download)

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Book Synopsis Enforcement of the Fair Housing Act of 1968 by : United States. Congress. House. Committee on the Judiciary. Subcommittee on the Constitution, Civil Rights, and Civil Liberties

Download or read book Enforcement of the Fair Housing Act of 1968 written by United States. Congress. House. Committee on the Judiciary. Subcommittee on the Constitution, Civil Rights, and Civil Liberties and published by . This book was released on 2009 with total page 410 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The Silent Depression

Author : United States. Congress. House. Committee on Oversight and Government Reform
Publisher :
ISBN 13 :
Total Pages : 1668 pages
Book Rating : 4.:/5 (318 download)

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Book Synopsis The Silent Depression by : United States. Congress. House. Committee on Oversight and Government Reform

Download or read book The Silent Depression written by United States. Congress. House. Committee on Oversight and Government Reform and published by . This book was released on 2010 with total page 1668 pages. Available in PDF, EPUB and Kindle. Book excerpt: