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2013 National Survey Of Unbanked And Underbanked Households
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Book Synopsis 2013 National Survey of Unbanked and Underbanked Households by : Susan Burhouse
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.
Book Synopsis National Survey of Unbanked and Underbanked Households by : Federal Deposit Federal Deposit Insurance Corporation
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.
Book Synopsis National Survey of Unbanked and Underbanked Households (2011) by : Susan Burhouse
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:
Book Synopsis Crisis and Response by : Federal Deposit Insurance Corporation
Download or read book Crisis and Response written by Federal Deposit Insurance Corporation and published by . This book was released on 2018-03-06 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Crisis and Response: An FDIC History, 2008¿2013 reviews the experience of the FDIC during a period in which the agency was confronted with two interconnected and overlapping crises¿first, the financial crisis in 2008 and 2009, and second, a banking crisis that began in 2008 and continued until 2013. The history examines the FDIC¿s response, contributes to an understanding of what occurred, and shares lessons from the agency¿s experience.
Download or read book Federal Register written by and published by . This book was released on 2013-03 with total page 308 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Unbanking of America by : Lisa Servon
Download or read book The Unbanking of America written by Lisa Servon and published by Houghton Mifflin Harcourt. This book was released on 2017-01-10 with total page 264 pages. Available in PDF, EPUB and Kindle. Book excerpt: Why Americans are fleeing our broken banking system: “Startling and absorbing…Required reading for fans of muckraking authors like Barbara Ehrenreich.”—Publishers Weekly (starred review) What do an undocumented immigrant in the South Bronx, a high-net-worth entrepreneur, and a twentysomething graduate student have in common? All three are victims of our dysfunctional mainstream bank and credit system. Nearly half of all Americans live from paycheck to paycheck, and income volatility has doubled over the past thirty years. Banks, with their high monthly fees and overdraft charges, are gouging their lower- and middle-income customers while serving only the wealthiest Americans. Lisa Servon delivers a stunning indictment of America’s banks, together with eye-opening dispatches from inside a range of banking alternatives that have sprung up to fill the void. She works as a teller at RiteCheck, a check-cashing business in the South Bronx, and as a payday lender in Oakland. She looks closely at the workings of a tanda, an informal lending club. And she delivers engaging, hopeful portraits of the entrepreneurs reacting to the unbanking of America by designing systems to creatively serve those outside the one percent. “Valuable evidence on the fragility of the personal economies of most Americans these days.”—Kirkus Reviews “An intelligent plea for financial justice…[An] excellent book.”—The Christian Science Monitor
Book Synopsis Debtfare States and the Poverty Industry by : Susanne Soederberg
Download or read book Debtfare States and the Poverty Industry written by Susanne Soederberg and published by Routledge. This book was released on 2014-09-19 with total page 303 pages. Available in PDF, EPUB and Kindle. Book excerpt: WINNER of the BISA IPEG Book Prize 2015 http://www.bisa-ipeg.org/ipeg-book-prize-2015-winner-announced/ Under the rubric of ‘financial inclusion’, lending to the poor –in both the global North and global South –has become a highly lucrative and rapidly expanding industry since the 1990s. A key inquiry of this book is what is ‘the financial’ in which the poor are asked to join. Instead of embracing the mainstream position that financial inclusion is a natural, inevitable and mutually beneficial arrangement, Debtfare States and the Poverty Industry suggests that the structural violence inherent to neoliberalism and credit-led accumulation have created and normalized a reality in which the working poor can no longer afford to live without expensive credit. The book further transcends economic treatments of credit and debt by revealing how the poverty industry is extricably linked to the social power of money, the paradoxes in credit-led accumulation, and ‘debtfarism’. The latter refers to rhetorical and regulatory forms of governance that mediate and facilitate the expansion of the poverty industry and the reliance of the poor on credit to augment/replace their wages. Through a historically grounded analysis, the author examines various dimensions of the poverty industry ranging from the credit card, payday loan, and student loan industries in the United States to micro-lending and low-income housing finance industries in Mexico. Providing a much-needed theorization of the politics of debt, Debtfare States and the Poverty Industry has wider implications of the increasing dependence of the poor on consumer credit across the globe, this book will be of very strong interest to students and scholars of Global Political Economy, Finance, Development Studies, Geography, Law, History, and Sociology. The Open Access version of this book, available at http://www.taylorfrancis.com/books/e/9781315761954, has been made available under a Creative Commons Attribution-Non Commercial-No Derivatives 4.0 license. https://www.youtube.com/watch?v=2lU6PHjyOzU
Book Synopsis The Global Findex Database 2017 by : Asli Demirguc-Kunt
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 228 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.
Book Synopsis Handbook of Consumer Finance Research by : Jing Jian Xiao
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 379 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.
Book Synopsis Financial Literacy Education by : Jay Liebowitz
Download or read book Financial Literacy Education written by Jay Liebowitz and published by CRC Press. This book was released on 2018-10-09 with total page 220 pages. Available in PDF, EPUB and Kindle. Book excerpt: Today's graduates should be grounded in the basics of personal finance and possess the skills and knowledge necessary to make informed decisions and take responsibility for their own financial well-being. Faced with an array of complex financial services and sophisticated products, many graduates lack the knowledge and skills to make rational, informed decisions on the use of their money and planning for future events, such as retirement. This book shows what you can do to improve financial literacy awareness and education. It covers the use of interactive games and tutorials, peer-to-peer mentoring, and financial literacy contests in addition to more formal education. It gives you a sample of approaches and experiences in the financial literacy arena. Divided into three parts, the book covers financial literacy education for grades K–12, college, and post-college.
Book Synopsis Banking on a Revolution by : Terri Friedline
Download or read book Banking on a Revolution written by Terri Friedline and published by Oxford University Press, USA. This book was released on 2020-12 with total page 313 pages. Available in PDF, EPUB and Kindle. Book excerpt: "The Revolution Will Not Be Financed takes the perspective that the financial system needs a revolution-and not the impending revolution driven by technology. Studying various ways the financial system advantages 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. She makes the case that the financial system needs a people-led revolution that centers the needs, experiences, and perspectives of those that it has historically excluded, marginalized, and exploited"--
Author :United States. Congress. Senate. Committee on Small Business and Entrepreneurship Publisher : ISBN 13 : Total Pages :476 pages Book Rating :4.:/5 (319 download)
Book Synopsis Closing the Wealth Gap by : United States. Congress. Senate. Committee on Small Business and Entrepreneurship
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:
Book Synopsis Law Between Buildings by : Nestor Davidson
Download or read book Law Between Buildings written by Nestor Davidson and published by Taylor & Francis. This book was released on 2016-10-14 with total page 169 pages. Available in PDF, EPUB and Kindle. Book excerpt: The rich field of urban law has thus far lacked a holistic and concerted scholarly focus on comparative and global perspectives. This work offers new inroads into the global and comparative streams within urban law by presenting emerging frameworks and approaches to topics ranging from urban housing and land use to legal informality and consumer financial protection. The volume brings together a group of international urban legal scholars to highlight emergent global, interdisciplinary perspectives within the field of urban law, particularly as they have import for comparative legal analysis. The book presents a timely addition to the literature given the urgent legal issues that continue to surface in an age of rapid urbanization and globalization.
Book Synopsis Why Do Poor People Have More Children?: 21 Questions Rich People Never Knew by : Andrea Febrian
Download or read book Why Do Poor People Have More Children?: 21 Questions Rich People Never Knew written by Andrea Febrian and published by Andrea Febrian. This book was released on 2024-07-05 with total page 120 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Why Do Poor People Have More Children? 21 Questions Rich People Never Knew" is a groundbreaking book that delves into the complex realities of poverty and inequality, focusing on the often-misunderstood topic of fertility rates among low-income populations. Through a series of 21 thought-provoking questions and well-researched answers, this book sheds light on the various factors that contribute to higher birth rates among the poor and challenges the misconceptions and stereotypes surrounding this sensitive issue. The book explores a wide range of topics related to poverty and fertility, including access to education and healthcare, family planning, cultural norms, and the impact of economic instability on reproductive choices. Each chapter provides an in-depth examination of a specific question, offering evidence-based research, expert insights, and real-life stories that illuminate the experiences and perspectives of those living in poverty. One of the key strengths of "Why Do Poor People Have More Children?" is its ability to bridge the gap between the rich and the poor by addressing questions that affluent individuals may have never considered. The book takes a compassionate and empathetic approach, highlighting the structural and systemic factors that perpetuate inequality and shape the lives of those living in poverty. Throughout the book, readers will gain a deeper understanding of issues such as the lack of access to comprehensive sex education and affordable contraception, the role of gender inequality in reproductive decision-making, the impact of child labor on family size, and the ways in which economic insecurity can influence fertility choices. "Why Do Poor People Have More Children?" also explores the intersection of poverty and other forms of marginalization, such as race, ethnicity, and immigration status. The book examines how these intersecting identities can compound the challenges faced by low-income individuals and families, and highlights the need for solutions that address these overlapping forms of oppression. One of the most powerful aspects of "Why Do Poor People Have More Children?" is its emphasis on amplifying the voices and experiences of those living in poverty. The book features firsthand accounts and personal stories from individuals and families who have navigated the complex realities of poverty and fertility, providing a rare and valuable perspective on this often-misunderstood topic. Through these stories, readers will gain a greater sense of empathy and connection with those living in poverty, and a deeper appreciation for the resilience, strength, and agency that many individuals and communities demonstrate in the face of significant challenges. "Why Do Poor People Have More Children?" is not just a book about understanding poverty and fertility, but also a call to action for creating a more just and equitable society. The book offers a range of practical solutions and policy recommendations for addressing the root causes of poverty and inequality, including increasing access to education and healthcare, promoting reproductive rights and choices, and investing in community-based programs and services. Ultimately, "Why Do Poor People Have More Children?" is a must-read for anyone who wants to gain a deeper understanding of the complex realities of poverty and inequality, and to challenge the stereotypes and misconceptions that perpetuate harmful narratives about the poor. Whether you are a policymaker, social worker, educator, or simply someone who cares about creating a more just and compassionate world, this book will provide you with the knowledge, insights, and tools you need to make a difference.
Download or read book Smart Money written by Andrew Palmer and published by Basic Books. This book was released on 2015-04-14 with total page 304 pages. Available in PDF, EPUB and Kindle. Book excerpt: Seven years after the financial crisis of 2008, financiers remain villains in the public mind. Most Americans believe that their irresponsible actions and complex financial products wrecked the economy and destroyed people's savings, and that bankers never adequately paid for their crimes. But as Economist journalist Andrew Palmer argues in Smart Money, this much maligned industry is not only capable of doing great good for society, but offers the most powerful means we have for solving some of our most intractable social problems. From Babylon to the present, the history of finance has always been one of powerful innovation. Now a new generation of financial entrepreneurs is working to revive this tradition of useful innovation, and Palmer shows why we need their ideas today more than ever. Traveling to the centers of finance across the world, Palmer introduces us to peer-to-peer lenders who are financing entrepreneurs the big banks won't bet on, creating opportunities where none existed. He explores the world of social-impact bonds, which fund programs for the impoverished and homeless, simultaneously easing the burden on national governments and producing better results. And he explores the idea of human-capital contracts, whereby investors fund the educations of cash-strapped young people in return for a percentage of their future earnings. In this far-ranging tour of the extraordinarily creative financial ideas of today and of the future, Smart Money offers an inspiring look at the new era of financial innovation that promises to benefit us all.
Book Synopsis Latinos in an Aging World by : Ronald J. Angel
Download or read book Latinos in an Aging World written by Ronald J. Angel and published by Routledge. This book was released on 2014-07-25 with total page 354 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book fosters a deeper understanding of the growing Latino elderly population and the implications on society. It examines post-WWII demographic and social changes and summarizes research from sociology, psychology, economics, and public health to shed light on the economic, physical, and mental well-being of older Latinos. The political and cultural implications including possible policy changes are also considered. Written in an engaging style, each chapter opens with a vignette that puts a human face on the issues. Boxed exhibits highlight social programs and policies and physical and mental health challenges that impact Latino elders. Web alerts direct readers to sites that feature more detailed information related to the chapter’s issues. Each chapter also features an introduction, examples, tables, figures, a summary, and discussion questions. The self-contained chapters can be presented in any order. Latinos in an Aging World explores: Real world problems individuals face in dealing with poverty, immigration, and health and retirement decisions The latest data on Latinos as compared to research on African- and Asian- Americans where appropriate The unique historical, demographic, social, familial, and economic situations of various Latino subgroups including those from Mexico, Puerto Rico, and Cuba How ethnicity affects one’s position of wealth and power and sense of citizenship. The consequence of life-long disadvantages and stigmatization on economic, physical, and mental well-being The impact of one’s neighborhood and the proximity to those from similar cultures on quality of life. The introduction motivates the book and sets the stage for the entire discussion. Chapter 1 reviews the histories of the major Hispanic subgroups along with various theories as they relate to race, ethnicity, and gender that provide a conceptual framework for understanding the later chapters. Demographic, economic, and social profiles of the various Hispanic subgroups are explored in chapter 2. Next the Latino population is explored from various perspectives including the economic and social situations of men and women and their educational, marital and family, and labor force experiences. Chapter 4 examines older immigrants and their families and identifies the resources available to them in their communities that often replicate the cultural and social support system of the old country. Major health risks that older Latinos face as a result of the disadvantages they experience throughout life are examined in chapter 5. Family situations and long-term care and living arrangements of older Hispanics are examined in chapter 6. The impact of neighborhood on quality of life in terms of safety and physical and mental wellbeing is explored in chapter 7. The burden that eldercare can place upon those who bear the responsibility of their daily care is explored in chapter 8. Chapter 9 investigates the gaps in income between minority and non-Hispanic white Americans and reviews what individuals with few resources need to know about financial management. The book concludes with the social, political, and economic implications of the growing Hispanic population and the role of NGOs and other organizations in providing services to older populations. Intended for courses on Latinos and aging, diversity, race and ethnicity, minorities and aging, adult development and aging, the psychology or sociology or politics of aging, geriatric social work, public health and aging, global aging, social or family policy, and health and society taught in the behavioral and social sciences, ethnic, or Latin American/Chicano Studies, this book also appeals to researchers and practitioners who work with Hispanic families.
Book Synopsis A Critically Compassionate Approach to Financial Literacy by : Thomas A. Lucey
Download or read book A Critically Compassionate Approach to Financial Literacy written by Thomas A. Lucey and published by Springer. This book was released on 2015-07-21 with total page 200 pages. Available in PDF, EPUB and Kindle. Book excerpt: A Critically Compassionate Approachto Financial Literacy offers a unique approach to conceptualizing financial literacy. Differentiating between notions of financial worth and personal self-worth, the authors present a description of financial literacy tenets founded in principles of self-awareness and cooperative community that are rooted in principles of compassion. Basing their work on principles of psychological and archeological research that associates personal wellness with self-security based on principles of trust, the authors posit that personal fulfillment occurs independently of accumulated financial resources. Featuring standards for Grades 4 and 8, offering stimulating questions for discussion, and ideas for classroom activities, ACritically Compassionate Approach to Financial Literacy represents an engaging classroom resource for elementary and middle level social studies methods courses as well as those that concern topics that relate to culturally responsive teaching and social justice. Regardless of your financial background and awareness, this text will challenge your thinking about the meaning of being financially literate and the consequences for society.
