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Beyond Lending
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Download or read book Beyond Lending written by Guillermo Perry and published by CGD Books. This book was released on 2009 with total page 110 pages. Available in PDF, EPUB and Kindle. Book excerpt: As the drafts of this book were coming together in early 2008, Guillermo Perry argued that developing countries remained highly vulnerable to external risks such as commodity price declines, capital flow reversals, and natural disasters. The economic crisis that has since ensued could not have proved his analysis more true: rather than fall into complacency as the short-term demand for traditional loans increases, multilateral development banks (MDBs) should move beyond lending to provide innovative risk-management tools for developing countries to manage volatility and create long-term stability. Book jacket.
Author :United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit Publisher : ISBN 13 : Total Pages :264 pages Book Rating :4.:/5 (327 download)
Book Synopsis Use of Credit Information Beyond Lending by : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Download or read book Use of Credit Information Beyond Lending written by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit and published by . This book was released on 2010 with total page 264 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Beyond Credit written by Mahmoud A. Gamal and published by . This book was released on 2001 with total page 42 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Beyond the Crises: Zimbabwes Prospects for Transformation by : Tendai Murisa
Download or read book Beyond the Crises: Zimbabwes Prospects for Transformation written by Tendai Murisa and published by African Books Collective. This book was released on 2015-12-01 with total page 423 pages. Available in PDF, EPUB and Kindle. Book excerpt: Over the past years, few African countries have been the focus of discussions and analyses generating a vast array of literature as much as Zimbabwe. The socioeconomic and political crises since the turn of the century have deeply transformed the country from the ideals of a vibrant freshly independent nation just two decades earlier. These transformations have necessitated the call for the restructuring of Zimbabwean society, polity, and economy. But this literature remains exclusively within the realm of academic thinking and theorising, with no concerted effort to move beyond this by explicitly drawing out the policy implications. Beyond the Crises: Zimbabwes Prospects for Transformation is a welcome addition to the academic and policy literature with a much broader and all-embracing focus in terms of policy interventions. By focusing on different aspects of social and economic justice, Murisa and Chikweche go beyond initiating a broad discussion on these two key pillars of human development with a view to suggesting possible future directions of practical solutions and policy development for the attainment of inclusive social and economic justice for Zimbabweans.
Book Synopsis Beyond Ending Poverty by : Shahidur R. Khandker
Download or read book Beyond Ending Poverty written by Shahidur R. Khandker and published by World Bank Publications. This book was released on 2016-07-20 with total page 336 pages. Available in PDF, EPUB and Kindle. Book excerpt: The recent past has witnessed phenomenal growth in MFIs around the world. Today as many as 200 million people are beneficiaries of microfinance. Given its worldwide attention, microfinance has received serious criticism, including the argument that it is a fad with less-than-expected benefits for the poor. Surely, microfinance is not without any pitfalls. Yet the premise of improving access to financial services for consumption smoothing by the poor has never been a subject of controversy. What has been controversial is whether microfinance can alleviate poverty. That the poor lack an effective and affordable alternative financing mechanism to support income generation does not necessarily mean microfinance is a panacea since it involves entrepreneurial skills, which many poor lack. It is little wonder that studies evaluating the benefits of microfinance have produced conflicting results. Of course, study findings are contextual: They are positive in conducive environments and less so in unfavorable ones. Microfinance must be distinguished from anti-poverty schemes (e.g., conditional cash transfers) because benefits from microfinance-supported activities, which involve participants’ entrepreneurial skills and ability, take time to realize. This book using household long panel survey of 1991/92-2010/11 from Bangladesh addresses some of criticisms—including whether pushing microfinance has made it redundant as a tool for poverty reduction—while investigating whether it still matters for the poor after two decades of extensive growth. The book’s findings confirm the positive effects of continued borrowing from a microfinance program. Despite a manifold increase in microfinance borrowing, loan recovery has not declined and long-term borrowers are not trapped in poverty or debt. Interest rates charged by MFIs are not too high for realizing returns on investment, although the MFIs have scope for lowering them. The book is expected to contribute to the ongoing debate on the cost-effectiveness of microfinance as a tool for inclusive growth and development. It is expected to fill knowledge gaps in understanding the various virtues of microfinance against its portrayal as having drifted from its original poverty-reduction mission.
Book Synopsis Feng Shui Beyond Boundaries by : Vee Huynh
Download or read book Feng Shui Beyond Boundaries written by Vee Huynh and published by iUniverse. This book was released on 2012-12 with total page 227 pages. Available in PDF, EPUB and Kindle. Book excerpt: As human beings, we search for the same thing our entire lives: happiness. There are many paths to this elusive and precious destination. But once attained, some joys last, while others wither quickly. What are the secrets to finding and keeping lifelong happiness? Do these secrets even exist? Do you search for true happiness? Within these ancient practices, you can discover tools to help you become the cocreator of your destiny. Do you search for your perfect soul mate? Finding this person isn't hard at all, once you understand how universal energy truly works. Do you search for financial stability? The key to this treasure is well within reach with the right education and some hard work. We all have the power to turn our dreams into reality; this guide, packed with ancient theories and backed by modern science about the power of mind energy, can help you do so. The power of Feng Shui is immeasurable; it can change your life. By living in harmony with the universal Chi, you can shape your destiny. You'll learn how Feng Shui's potent secret formulas can be used to create your new destiny. Are you ready for happiness beyond anything you could have imagined? Feng Shui beyond Boundaries can show you the path; it's time to take that first step on your journey to a new life.
Book Synopsis Celine Dion: Beyond the Stage by : Daniel D. Lee
Download or read book Celine Dion: Beyond the Stage written by Daniel D. Lee and published by SkyCuration. This book was released on 2024-06-25 with total page 273 pages. Available in PDF, EPUB and Kindle. Book excerpt: Step into the extraordinary life of one of the world's most celebrated music icons in "Celine Dion: Beyond the Stage." This meticulously detailed biography offers an in-depth exploration of Celine Dion's remarkable journey, capturing the essence of her unparalleled career and the personal experiences that have shaped her into the global phenomenon she is today. From her modest beginnings in Charlemagne, Quebec, where she was the youngest of 14 children in a musically gifted family, Celine's early years were marked by her prodigious talent and unyielding determination. Readers will gain insight into her initial steps into the music industry, including her first performance at her parents' piano bar and her victory at the 1988 Eurovision Song Contest, which catapulted her to international recognition. The book delves into her transformative partnership with René Angélil, the man who mortgaged his house to finance her first album and eventually became her husband and manager. Their love story, filled with mutual respect and shared dreams, is a testament to their unwavering bond and René's pivotal role in shaping Celine's career. Explore how René's guidance and Celine's relentless work ethic led to her breakthrough in the English-speaking market with albums like "Unison" and "The Colour of My Love." The biography provides a comprehensive look at Celine's iconic performances and tours, including her groundbreaking Las Vegas residencies, "A New Day..." and "Celine," which redefined live entertainment in Sin City. Through vivid descriptions and behind-the-scenes accounts, readers will experience the grandeur of these shows and understand the meticulous planning and dedication that went into every performance. Amidst the glitz and glamour, "Celine Dion: Beyond the Stage" also sheds light on the challenges Celine has faced. Her personal struggles, such as her battle with infertility, the loss of her beloved husband René, and her diagnosis with Stiff Person Syndrome, are portrayed with sensitivity and depth. The book reveals how these experiences have influenced her music, bringing a profound emotional resonance to her songs. Explore her evolution as an artist, from the powerful ballads that defined the 1990s to her recent explorations in contemporary pop and electronic music. Discover the stories behind her most beloved songs, the creative processes that drove her albums, and the collaborations with some of the industry's most renowned producers and songwriters. Throughout her career, Celine Dion has consistently delivered unforgettable performances and produced music that resonates deeply with audiences. These defining moments illustrate her extraordinary talent, her ability to connect with listeners, and her unwavering dedication to her craft. Each milestone in her career has contributed to her enduring legacy as one of the greatest voices in music history. Perfect for lifelong fans and new admirers alike, "Celine Dion: Beyond the Stage" offers a detailed, intimate portrait of Celine Dion's life, capturing the heart and soul of an artist who has transcended the boundaries of music to become a true global icon. Get ready to embark on an unforgettable journey through the life of Celine Dion—beyond the stage and into the heart of a legend.
Author :United States. Congress. House. Committee on Small Business. Subcommittee on Taxation and Finance Publisher : ISBN 13 : Total Pages :260 pages Book Rating :4.3/5 (121 download)
Book Synopsis The Effects of Bank Consolidation on Small Business Lending by : United States. Congress. House. Committee on Small Business. Subcommittee on Taxation and Finance
Download or read book The Effects of Bank Consolidation on Small Business Lending written by United States. Congress. House. Committee on Small Business. Subcommittee on Taxation and Finance and published by . This book was released on 1996 with total page 260 pages. Available in PDF, EPUB and Kindle. Book excerpt: Distributed to some depository libraries in microfiche.
Book Synopsis Fair Lending by : Orice Williams Brown
Download or read book Fair Lending written by Orice Williams Brown and published by DIANE Publishing. This book was released on 2010 with total page 102 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Fair Housing Act (FHA) and the Equal Credit Opportunity Act (ECOA) -- the "fair lending laws" -- prohibit discrimination in lending. Responsibility for their oversight is shared among three enforcement agencies -- HUD, the FTC, and Dept. of Justice -- and five depository institution regulators -- the FDIC, the Fed. Reserve, Nat. Credit Union Admin., Office of the Comptroller of the Currency, and the Office of Thrift Supervision. This report examines: (1) data used by agencies and the public to detect potential violations and options to enhance the data; (2) fed. oversight of lenders that are identified as at heightened risk of violating the fair lending laws; and (3) recent cases involving fair lending laws and associated enforcement challenges. Illus.
Book Synopsis Consumer and SME Credit Law by : Nora Beausang
Download or read book Consumer and SME Credit Law written by Nora Beausang and published by Bloomsbury Publishing. This book was released on 2021-12-16 with total page 2649 pages. Available in PDF, EPUB and Kindle. Book excerpt: With 2000+ pages of guidance, this important new textbook provides an extensive and in-depth guide to the current labyrinthine regulatory regime relating to consumer and SME credit (by way of cash loans) and protection generally, including the Consumer Protection Code, the Consumer Credit Act (housing loans and non-housing loans), the EU Consumer Credit Regulations, the EU Mortgage Credit Regulations and the Central Bank Housing Loan Regulations. Other lending-related conduct of business requirements are also covered in detail, including the Code of Conduct on Mortgage Arrears, the Lending to SME Regulations, the Code on Related Parties Lending and the Credit Reporting Act, together with applicable EBA/ECB Guidelines dealing with loan origination, product oversight and governance, non-performing exposures/loans and arrears. The regulated activities triggering authorisation as a retail credit firm or credit servicing firm are also addressed in detail. The book additionally extends beyond lending to have application to the wider business of regulated firms in the financial services arena, dealing in detail with issues including the general principles and requirements of the Consumer Protection Code,the fitness and probity regime including the area of minimum competency, distance marketing requirements and other background to the regulatory regime in Ireland including the increased regulatory focus on the culture of regulated firms and product oversight and governance. The available redress/recourse mechanisms are also covered, including the Financial Services and Pensions Ombudsman, the Credit Review Office, the regulatory and other consequences of breach of applicable requirements and the significant risk management area for regulated firms of their customers' statutory right to redress on breach of financial services legislation. In addition, the book has relevance to professionals dealing with consumers in any contractual context including extensive treatment of how the concept of 'consumer' has developed under common law, the unfair commercial practices regime and the increasingly topical area of unfair contract terms legislation. Relevant case law of the Irish courts and other common law jurisdictions, together with an expanding corpus of decisions from the CJEU, are addressed in detail. This book's practical style is designed to assist bankers, other regulated firms, lawyers, compliance professionals and regulators in the application of a complex area. Rather than simply setting out the separate requirements, the book seeks to navigate the at times contradictory legislative and regulatory strands to give (in so far as is possible) a coherent sense of how they integrate. Much of the content is unique and cannot be found in any other publication. An essential addition to the library of every lender, practitioner and compliance and regulatory risk professional, particularly in the areas of consumer and SME credit.
Author :United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Consumer Affairs Publisher : ISBN 13 : Total Pages :228 pages Book Rating :4.:/5 (327 download)
Book Synopsis Credit Card Disclosure Acts by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Consumer Affairs
Download or read book Credit Card Disclosure Acts written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Consumer Affairs and published by . This book was released on 1987 with total page 228 pages. Available in PDF, EPUB and Kindle. Book excerpt:
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. This book was released on 2020-11-06 with total page 313 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 :Hendri Saparini, SE., M. Phil., Ph.D. Publisher :PT Core Nusa Perkasa ISBN 13 :6027396636 Total Pages :247 pages Book Rating :4.0/5 (273 download)
Book Synopsis Indonesia's Strategic Role in The G20 : Expert Perspectives by : Hendri Saparini, SE., M. Phil., Ph.D.
Download or read book Indonesia's Strategic Role in The G20 : Expert Perspectives written by Hendri Saparini, SE., M. Phil., Ph.D. and published by PT Core Nusa Perkasa. This book was released on 2022-10-27 with total page 247 pages. Available in PDF, EPUB and Kindle. Book excerpt: For the first time, Indonesia has held the presidency of the G20, a forum formed to find joint solutions to global economic conditions. This forum, which represents 80% of the world economy, 75% of international trade, and two-thirds of the world's population, certainly determines the direction of world economic policy. Indonesia as the only representative country from ASEAN which is a member of the G20 as well as a developing country can play a role in encouraging and determining the direction of discussion in the interests of developing countries. In addition, Indonesia has the opportunity to encourage the world's collective efforts to realize policies that can accelerate global economic recovery inclusively and sustainably. Important agendas related to national interests that cannot be separated from global economic governance must also be voiced. The big theme of the 2022 G20 Indonesia Presidency is "Recover Together, Recover Stronger", this theme was translated into various issues in two tracks, namely the Sherpa track and the financial track. As the title of the book, namely "INDONESIA'S STRATEGIC ROLE IN THE G20 ACCORDING TO THE VIEWS OF EXPERTS" this book discusses in detail how Indonesia's strategic role in each of the issues in the sherpa track and financial track. This book raises several issues in the Sherpa Track such as agriculture and food security, energy transition, environmental and climate sustainability, and development issues such as inequality, gender, digital economy, trade, and investment. In addition, there are issues in the Financial Track that are written in this book, namely the issue of debt challenges in countries, especially developing countries, cyber risk, financial inclusion and scarring effects, and exit strategies to recover and recover from the Covid-19 pandemic. This book is the result of a real contribution of economists' ideas on various topics, especially the Indonesian economy, and was prepared in preparation for the G-20 Summit to be held in Bali in November. The diversity of backgrounds of the authors provides a new color and enriches the prospects in presenting leading thinkers to unravel Indonesia's economic problems. As is well known, the Covid-19 pandemic has had a scarring effect on the Indonesian economy, resulting in an increase in unemployment, poverty, and inequality and has caused an economic slowdown. Some of the most impactful sectors are the accommodation and transportation sector, the tourism sector, to Small and Medium Enterprise (SME/UMKM). Even developing countries are expected to suffer more injuries than countries with advanced economies. More serious efforts are needed to support inclusive, fair, and sustainable growth. The policy choices of developed countries to restore the domestic economy created new worries for the world. This is because developing countries have a limited ability to provide policy support which is the factor behind the relatively slower recovery compared to developed countries. Pandemic recovery is proceeding unevenly in each country requiring a different exit strategy, depending on the economic structure, quality of available resources, and governance in making supportive policies. It is very important for all countries to understand the problems facing the world and each country's policy choices for exiting and recovering from a pandemic, not just G20 members. Therefore, Indonesia's presidency at the G20 Summit in 2022 is crucial in overcoming this problem, because the G20 countries with the world's largest economic power must be the prime mover to help developing countries both get out of the pandemic crisis trap and face uncertainty due to various social, economic problems. and politics. The main agenda of the G20 meeting is to encourage cooperation to create an inclusive, strong and sustainable world economic governance. Several agendas that can be agreed on globally such as climate change and green economy, transformation towards digitalization of the economy, global food security and precautionary recovery policies so as not to add to global problems. There must be an understanding from all G20 members that there are problems and solutions that are unique in nature because of the different social, political, economic strengths and challenges in each country. Actually, the concept of green economy is not a new concept. However, recently the world has only recently realized the importance of transforming the global economic approach so that it becomes sustainable. The G20 Forum is a kind of declarator again to encourage the implementation of this concept at the global level. Moreover, G20 countries contribute 80 percent of global carbon emissions and therefore G20 countries must show their seriousness to reduce global carbon by implementing various policies that support carbon reduction efforts. In addition, digital transformation is also a priority agenda in the G20 forum. The Covid-19 pandemic, which has escalated the acceleration of digital transformation, has encouraged the adoption of digital technology by economic actors. During the pandemic, technology has opened up space for online marketplaces and services that are increasingly needed. Even digital businesses run by women entrepreneurs in all developing G20 countries have significantly expanded during the COVID-19 pandemic. The digital-based economy continues to grow and is believed to be one of the drivers of future economic growth despite being faced with various challenges. Even in the issue of world trade, Indonesia needs to voice the importance of reviewing the direction and management of world trade after the Covid-19 pandemic in the G20 forum. The G20 countries need to support a balance between the conventional principles of open trade and the needs of each country to achieve a stronger and more sustainable long-term economic recovery. There are still many other roles for Indonesia in voicing various issues at the G20 forum, so what is Indonesia's other role in promoting an inclusive and collaborative post-pandemic economic recovery for G20 countries and others?
Book Synopsis Introduction To Microfinance by : Todd A Watkins
Download or read book Introduction To Microfinance written by Todd A Watkins and published by World Scientific Publishing Company. This book was released on 2018-04-05 with total page 427 pages. Available in PDF, EPUB and Kindle. Book excerpt: Microfinance has grown from the obscure efforts of a few philanthropic institutions into a global industry that reaches 150-200 million clients through the branches of thousands of institutions. Microfinance has matured from exclusively funding loans to providing savings, insurance, healthcare, and education. Yet many people still think of it narrowly as microcredit. Understanding remains thin of what the industry does, how it functions and why.Introduction to Microfinance provides a non-technical introduction to the broad array of inclusive financial and non-financial services for the world's poor. It explores the financial lives of those families, and the microfinance institutions and rapidly growing industry that serve them. Written in close collaboration with college students for college students, under the auspices of one of the US's leading undergraduate programs in microfinance, it is the first-ever introductory college textbook about microfinance.What is microfinance? What are its methods and why? Does it work? What are its prospects and challenges? Why is it controversial? This book tackles these questions and more.
Book Synopsis More and Better Jobs in South Asia by : The World Bank
Download or read book More and Better Jobs in South Asia written by The World Bank and published by World Bank Publications. This book was released on 2011-12-20 with total page 357 pages. Available in PDF, EPUB and Kindle. Book excerpt: South Asia has created nearly 800,000 jobs per month during the last decade. Robust economic growth in large parts of the region has created better jobs -- those that pay higher wages for wage workers and reduce poverty for the self-employed, the largest segment of the region s employed. Going forward, South Asia faces the enormous challenge of absorbing 1 to 1.2 million entrants to the labor force every month for the next two decades at rising levels of productivity. This calls for an agenda that cuts across sectors and includes improving the reliability of electricity supply for firms in both urban and rural settings, dealing decisively with issues of governance and corruption, making access to land easier for urban informal firms and strengthening transport links between rural firms and their markets. It requires improving nutrition in early childhood to avoid cognitive impairment, intensifying the focus on quality of learning in education systems, equipping workers with the skills that employers demand, and reorienting labor market regulations and programs to protect workers rather than jobs. The continuance of high economic growth to help improve job quality is not assured. But the region s demography can provide a favorable tailwind. The growth of workers exceeds that of dependents in much of the region. The resources saved from having fewer dependents can be shifted to high-priority investments in physical and human capital accumulation necessary to create productive jobs in countries with an enabling policy framework. But the demographic window of opportunity is open for only the next three decades, a fact which lends urgency to the reform agenda. This book will be of interest to policy makers, their advisers, researchers and students of economics who seek solutions, not only to the challenge of creating more and better jobs in South Asia but globally as well. It is the first title in South Asia Development Matters,a new series that will serve as a vehicle for in-depth synthesis of economic and policy analysis on key development topics for South Asia.
Book Synopsis Handbook of Blockchain, Digital Finance, and Inclusion, Volume 1 by : David Lee Kuo Chuen
Download or read book Handbook of Blockchain, Digital Finance, and Inclusion, Volume 1 written by David Lee Kuo Chuen and published by Academic Press. This book was released on 2017-08-03 with total page 484 pages. Available in PDF, EPUB and Kindle. Book excerpt: Handbook of Blockchain, Digital Finance, and Inclusion, Volume 1: Cryptocurrency, FinTech, InsurTech, and Regulation explores recent advances in digital banking and cryptocurrency, emphasizing mobile technology and evolving uses of cryptocurrencies as financial assets. Contributors go beyond summaries of standard models to describe new banking business models that will be sustainable and will likely dictate the future of finance. The volume not only emphasizes the financial opportunities made possible by digital banking, such as financial inclusion and impact investing, but it also looks at engineering theories and developments that encourage innovation. Its ability to illuminate present potential and future possibilities make it a unique contribution to the literature. - Explores recent advances in digital banking and cryptocurrency, emphasizing mobile technology and evolving uses of cryptocurrencies as financial assets - Explains the practical consequences of both technologies and economics to readers who want to learn about subjects related to their specialties - Encompasses alternative finance, financial inclusion, impact investing, decentralized consensus ledger and applied cryptography - Provides the only advanced methodical summary of these subjects available today
Download or read book Brownfields written by Todd S. Davis and published by American Bar Association. This book was released on 2002 with total page 1136 pages. Available in PDF, EPUB and Kindle. Book excerpt: Written for real estate lawyers, environmental lawyers, property owners, lenders, environmental consultants, environmental regulators, state or local government leaders and developers.
