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Author : Susan Burhouse
Publisher :
ISBN 13 : 9781457839368
Total Pages : 155 pages
Book Rating : 4.8/5 (393 download)
Download or read book National Survey of Unbanked and Underbanked Households (2011) written by Susan Burhouse and published by . This book was released on 2012-10-14 with total page 155 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Federal Deposit Federal Deposit Insurance Corporation
Publisher : CreateSpace
ISBN 13 : 9781503086012
Total Pages : 64 pages
Book Rating : 4.0/5 (86 download)
Download or read book National Survey of Unbanked and Underbanked Households written by Federal Deposit Federal Deposit Insurance Corporation and published by CreateSpace. This book was released on 2014-11-04 with total page 64 pages. Available in PDF, EPUB and Kindle. Book excerpt: When households open an account at a federally insured depository institution, they establish a main¬stream banking relationship. This relationship provides opportunities for households to deposit funds securely, conduct basic financial transactions, accumulate savings, and access credit on fair and affordable terms. Despite these benefits, many households-referred to in this report as "unbanked"-do not have an account at an insured institution. Additional house¬holds have an account, but have also obtained finan¬cial services and products from non-bank, alternative financial services (AFS) providers in the prior 12 months. These households are referred to here as "underbanked." The existence of unbanked and underbanked households presents an opportunity for banks to expand access to their products and services and forge relationships with these underserved groups, ultimately increasing economic inclusion. The FDIC recognizes that public confidence in the banking system is strengthened when banks effec¬tively serve the broadest possible set of consumers. As a result, the agency is committed to increasing the participation of unbanked and underbanked house¬holds in the financial mainstream. The FDIC National Survey of Unbanked and Underbanked Households represents one contribution to this end. Conducted to assess the inclusiveness of the banking system, and in partial response to a statutory mandate, the biennial survey provides estimates of unbanked and underbanked populations. It also seeks to provide insights that will inform efforts to better meet the needs of these consumers. The FDIC part¬nered with the U.S. Census Bureau to administer this survey in June 2013, collecting responses from 40,998 households.
Author : Susan Burhouse
Publisher :
ISBN 13 : 9781457868078
Total Pages : 64 pages
Book Rating : 4.8/5 (68 download)
Download or read book 2013 National Survey of Unbanked and Underbanked Households written by Susan Burhouse and published by . This book was released on 2015-05-20 with total page 64 pages. Available in PDF, EPUB and Kindle. Book excerpt: When households open an account at a federally insured depository institution, they establish a mainstream banking relationship which provides opportunities for households to deposit funds securely, conduct basic financial transactions, accumulate savings, and access credit on fair and affordable terms. Despite these benefits, many households -- here referred to as "unbanked" -- do not have an account at an insured institution. Additional households -- "underbanked" -- have an account, but have also obtained financial services and products from non-bank, alternative financial services (AFS) providers in the prior 12 months. The 2013 National Survey of Unbanked and Underbanked Households aims to help banks effectively serve the broadest possible set of consumers and thus increase the participation of unbanked and underbanked households in the financial mainstream. Figures and tables. This is a print on demand report.
Author : Sherrie L. W. Rhine
Publisher :
ISBN 13 : 9781457868054
Total Pages : 28 pages
Book Rating : 4.8/5 (68 download)
Download or read book 2011 FDIC Survey of Banks' Efforts to Serve the Unbanked and Underbanked written by Sherrie L. W. Rhine and published by . This book was released on 2015-05-20 with total page 28 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Fed. Deposit Insurance Corp. (FDIC) is mandated to survey insured depository institutions every two years to assess their efforts to bring individuals and families who have rarely, if ever, held a checking or savings account at an insured depository institution, into the financial mainstream. The survey examines the efforts being undertaken by the retail banking industry to provide financial products and services to unbanked and underbanked consumers. The 2011 Bank Survey found, among other things, that four out of ten banks develop products and services for underserved consumers; banks see community partnerships as an important strategy to reach underserved consumers; eight out of ten banks provided free counseling to underserved consumers; and most banks accepted non-traditional forms of identification to open new accounts. Figures. This is a print on demand report.
Author : United States. Congress. Senate. Committee on Small Business and Entrepreneurship
Publisher :
ISBN 13 :
Total Pages : 476 pages
Book Rating : 4.:/5 (319 download)
Download or read book Closing the Wealth Gap written by United States. Congress. Senate. Committee on Small Business and Entrepreneurship and published by . This book was released on 2014 with total page 476 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Asli Demirguc-Kunt
Publisher : World Bank Publications
ISBN 13 : 1464812683
Total Pages : 148 pages
Book Rating : 4.4/5 (648 download)
Download or read book The Global Findex Database 2017 written by Asli Demirguc-Kunt and published by World Bank Publications. This book was released on 2018-04-19 with total page 148 pages. Available in PDF, EPUB and Kindle. Book excerpt: In 2011 the World Bank—with funding from the Bill and Melinda Gates Foundation—launched the Global Findex database, the world's most comprehensive data set on how adults save, borrow, make payments, and manage risk. Drawing on survey data collected in collaboration with Gallup, Inc., the Global Findex database covers more than 140 economies around the world. The initial survey round was followed by a second one in 2014 and by a third in 2017. Compiled using nationally representative surveys of more than 150,000 adults age 15 and above in over 140 economies, The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution includes updated indicators on access to and use of formal and informal financial services. It has additional data on the use of financial technology (or fintech), including the use of mobile phones and the Internet to conduct financial transactions. The data reveal opportunities to expand access to financial services among people who do not have an account—the unbanked—as well as to promote greater use of digital financial services among those who do have an account. The Global Findex database has become a mainstay of global efforts to promote financial inclusion. In addition to being widely cited by scholars and development practitioners, Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals. The database, the full text of the report, and the underlying country-level data for all figures—along with the questionnaire, the survey methodology, and other relevant materials—are available at www.worldbank.org/globalfindex.
Author : Terri Friedline
Publisher : Oxford University Press
ISBN 13 : 0190944153
Total Pages : 272 pages
Book Rating : 4.1/5 (99 download)
Download or read book Banking on a Revolution written by Terri Friedline and published by Oxford University Press. This book was released on 2020-11-06 with total page 272 pages. Available in PDF, EPUB and Kindle. Book excerpt: Can grassroots social movements impact the financial system? Technological advancements are poised to completely transform the financial system, and soon it will be unrecognizable. Banks are increasingly using financial technologies ("fintech") to deliver products and services and maximize their profits. Technology enthusiasts and consumer advocates laude the field for its potential to expand access to banking and finance. However, if history is any indication, fintech stands to reinforce digital forms of redlining and enable banks' continued racialized exploitation of Black and Brown communities. Banking on a Revolution takes the perspective that the financial system needs a revolution-not the impending revolution driven by technology. Studying the various ways the financial system bolsters whites by exploiting and marginalizing Black and Brown communities, Terri Friedline challenges the optimistic belief that fintech can expand access to banking and finance. Friedline applies the lens of financialized racial neoliberal capitalism to demonstrate the financial system's inherent racism, and explores examples from student loan debt, corporate landlords, community benefits agreements, and banking and payday lending. Banking on a Revolution is deeply rooted in theory and research, and it presents new interpretations of the climate crisis, student loan debt, and community benefits agreements and their relationships to the financial system. The book makes a compelling case for a revolutionized financial system that centers the needs, experiences, and perspectives of those it has historically excluded, marginalized, and exploited.
Author : Ellis, Karen
Publisher : IGI Global
ISBN 13 : 1613503881
Total Pages : 255 pages
Book Rating : 4.6/5 (135 download)
Download or read book Partnerships and Collaborations in Public Library Communities: Resources and Solutions written by Ellis, Karen and published by IGI Global. This book was released on 2011-12-31 with total page 255 pages. Available in PDF, EPUB and Kindle. Book excerpt: "This book shows how partnerships can be cultivated through projects, programming, funding, and extending the library's presence through unique avenues, offering librarians a better understanding of what might be possible for their situational requirements and limitations"--Provided by publisher.
Author : J. Collins
Publisher : Springer
ISBN 13 : 1137482370
Total Pages : 234 pages
Book Rating : 4.1/5 (374 download)
Download or read book A Fragile Balance written by J. Collins and published by Springer. This book was released on 2015-03-11 with total page 234 pages. Available in PDF, EPUB and Kindle. Book excerpt: A Fragile Balance examines strategies to promote emergency savings, especially among underserved households. Each chapter is by an expert contributor and proposes an innovative financial product or service designed to bolster emergency savings among low-asset families. This collection also offers readers insights into the role of emergency savings and mechanisms to facilitate savings behaviors, and raises critical questions of the scale, institutional capacity, sustainability, accessibility, and effectiveness of existing programs.
Author : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Publisher :
ISBN 13 :
Total Pages : 236 pages
Book Rating : 4.F/5 ( download)
Download or read book The Consumer Financial Protection Bureau's Semiannual Report to Congress written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 2015 with total page 236 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :
Publisher :
ISBN 13 :
Total Pages : 326 pages
Book Rating : 4.3/5 (121 download)
Download or read book Federal Register written by and published by . This book was released on 2014 with total page 326 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Margaret S. Sherraden
Publisher : Oxford University Press, USA
ISBN 13 : 0199374309
Total Pages : 281 pages
Book Rating : 4.1/5 (993 download)
Download or read book Financial Capability and Asset Holding in Later Life written by Margaret S. Sherraden and published by Oxford University Press, USA. This book was released on 2015 with total page 281 pages. Available in PDF, EPUB and Kindle. Book excerpt: In Financial Capability and Asset Holding in Later Life: A Life Course Perspective the concept of Financial Capability is used to underscore the importance of acquiring knowledge and skills while also addressing policies and services than can build financial security. The volume assembles the latest evidence on financial capability and assets among older adults using a life course perspective, arguing that older adults need financial knowledge and financial services in order to build secure lives, and that this process needs to begin before it is too late to make effective changes and choices. Broken into three parts, the chapters in this book written by leading experts in the field blend together empirical findings, economic and social theory, and case studies. Part 1 opens the book with a conceptual and empirical overview of financial capability and assets among older adults using a life course perspective.
Author : Julie Birkenmaier
Publisher : Oxford University Press
ISBN 13 : 0199344167
Total Pages : 380 pages
Book Rating : 4.1/5 (993 download)
Download or read book Financial Capability and Asset Development written by Julie Birkenmaier and published by Oxford University Press. This book was released on 2013-01-11 with total page 380 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book introduces the concept of financial capability and assembles the latest evidence from ground-breaking innovations with financially vulnerable families, and links it to education, policy, and practice. This book is a key resource for those interested in improving financial education and financial products and services for low-income families.
Author : Julie Birkenmaier
Publisher : Oxford University Press
ISBN 13 : 0199755957
Total Pages : 380 pages
Book Rating : 4.1/5 (997 download)
Download or read book Financial Education and Capability written by Julie Birkenmaier and published by Oxford University Press. This book was released on 2013-02-21 with total page 380 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book introduces the concept of financial capability and assembles the latest evidence from ground-breaking innovations with financially vulnerable families, and links it to education, policy, and practice. It is a key resource for those interested in improving financial education and financial products and services for low-income families.
Author : Alan Bogg
Publisher : Oxford University Press
ISBN 13 : 0199683131
Total Pages : 529 pages
Book Rating : 4.1/5 (996 download)
Download or read book Voices at Work written by Alan Bogg and published by Oxford University Press. This book was released on 2014-03 with total page 529 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book investigates the intersection between law and worker voice in a sample of industrialised English speaking countries, namely Australia, Canada, New Zealand, UK, and USA. While these countries face broadly similar regulatory dilemmas, they have significant differences between their industrial systems and legal cultures
Author : Jing Jian Xiao
Publisher : Springer
ISBN 13 : 3319288873
Total Pages : 376 pages
Book Rating : 4.3/5 (192 download)
Download or read book Handbook of Consumer Finance Research written by Jing Jian Xiao and published by Springer. This book was released on 2016-05-30 with total page 376 pages. Available in PDF, EPUB and Kindle. Book excerpt: This second edition of the authoritative resource summarizes the state of consumer finance research across disciplines for expert findings on—and strategies for enhancing—consumers’ economic health. New and revised chapters offer current research insights into familiar concepts (retirement saving, bankruptcy, marriage and finance) as well as the latest findings in emerging areas, including healthcare costs, online shopping, financial therapy, and the neuroscience behind buyer behavior. The expanded coverage also reviews economic challenges of diverse populations such as ethnic groups, youth, older adults, and entrepreneurs, reflecting the ubiquity of monetary issues and concerns. Underlying all chapters is the increasing importance of financial literacy training and other large-scale interventions in an era of economic transition. Among the topics covered: Consumer financial capability and well-being. Advancing financial literacy education using a framework for evaluation. Financial coaching: defining an emerging field. Consumer finance of low-income families. Financial parenting: promoting financial self-reliance of young consumers. Financial sustainability and personal finance education. Accessibly written for researchers and practitioners, this Second Edition of the Handbook of Consumer Finance Research will interest professionals involved in improving consumers’ fiscal competence. It also makes a worthwhile text for graduate and advanced undergraduate courses in economics, family and consumer studies, and related fields.
Author : María Aysa-Lastra
Publisher : Springer
ISBN 13 : 3319147978
Total Pages : 277 pages
Book Rating : 4.3/5 (191 download)
Download or read book Immigrant Vulnerability and Resilience written by María Aysa-Lastra and published by Springer. This book was released on 2015-03-31 with total page 277 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book explores how the current sustained economic slow-down in North America and Europe has increased immigrant vulnerability in the labor market and in their daily lives. It details the ways this global recession has affected the immigrants themselves, their identities, as well as their countries of origin. The book presents an interdisciplinary dialogue as well as offer a transatlantic comparative perspective. It first focuses on the immediate effects of the Great Recession on immigrants’ employment. Next, it connects the experience of immigrants in the labor market with their experiences in the social arena in receiving societies. Coverage also explores the effects of the economic downturn on transnational practices, remittances and return of Latin American migrants to their countries of origin. This volume will be of great interest to faculty and graduate students who are interested in international migration studies from the fields of sociology, economics, anthropology, geography, political sciences, and other social sciences. It will also be of interest to professionals and policy makers working on international migration policy and the general public interested on the topic.
