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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 : Asli Demirguc-Kunt
Publisher : World Bank Publications
ISBN 13 : 1464812683
Total Pages : 228 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 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.
Author : Anirudh Sarna
Publisher :
ISBN 13 :
Total Pages : 114 pages
Book Rating : 4.:/5 (863 download)
Download or read book Pawnshop Clientele: An Econometric Approach to Explaining a Segment of Unbanked and Underbanked Households in the United States written by Anirudh Sarna and published by . This book was released on 2013 with total page 114 pages. Available in PDF, EPUB and Kindle. Book excerpt: About seven percent of households in the United States have ever used a pawnshop. This thesis examines a host of characteristics particular to pawnshop users with the intent to illustrate the demographics of this missed market. Using the June 2011 Census Current Population Survey in conjunction with a Federal Deposit Insurance Corporation Survey Supplement, this paper finds a host of significant relationships which predispose a certain population group to use a pawnshop more than others. Specifically, having a low level of education or a low level of income increases the probability that a household uses a pawnshop. Additionally, this paper finds black or Hispanic households predispose individuals to use a pawnshop. These findings have particular ramifications for developing policy in support of this missed financial market.
Author : Terri Friedline
Publisher : Oxford University Press, USA
ISBN 13 : 0190944137
Total Pages : 313 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, 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 :
Publisher :
ISBN 13 :
Total Pages : 308 pages
Book Rating : 4.3/5 (121 download)
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:
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 : J. Collins
Publisher : Springer
ISBN 13 : 1137482370
Total Pages : 238 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 238 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 : Frederick F. Wherry
Publisher : SAGE Publications
ISBN 13 : 1452217971
Total Pages : 1969 pages
Book Rating : 4.4/5 (522 download)
Download or read book The SAGE Encyclopedia of Economics and Society written by Frederick F. Wherry and published by SAGE Publications. This book was released on 2015-09-01 with total page 1969 pages. Available in PDF, EPUB and Kindle. Book excerpt: Economics is the nexus and engine that runs society, affecting societal well-being, raising standards of living when economies prosper or lowering citizens through class structures when economies perform poorly. Our society only has to witness the booms and busts of the past decade to see how economics profoundly affects the cores of societies around the world. From a household budget to international trade, economics ranges from the micro- to the macro-level. It relates to a breadth of social science disciplines that help describe the content of the proposed encyclopedia, which will explicitly approach economics through varied disciplinary lenses. Although there are encyclopedias of covering economics (especially classic economic theory and history), the SAGE Encyclopedia of Economics and Society emphasizes the contemporary world, contemporary issues, and society. Features: 4 volumes with approximately 800 signed articles ranging from 1,000 to 5,000 words each are presented in a choice of print or electronic editions Organized A-to-Z with a thematic Reader's Guide in the front matter groups related entries Articles conclude with References & Future Readings to guide students to the next step on their research journeys Cross-references between and among articles combine with a thorough Index and the Reader's Guide to enhance search-and-browse in the electronic version Pedagogical elements include a Chronology of Economics and Society, Resource Guide, and Glossary This academic, multi-author reference work will serve as a general, non-technical resource for students and researchers within social science programs who seek to better understand economics through a contemporary lens.
Author : Jing Jian Xiao
Publisher : Springer
ISBN 13 : 3319288873
Total Pages : 379 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 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.
Author : Alan Bogg
Publisher :
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 . 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 : United States. Congress. Senate. Committee on Finance. Subcommittee on Social Security, Pensions, and Family Policy
Publisher :
ISBN 13 :
Total Pages : 112 pages
Book Rating : 4.:/5 (319 download)
Download or read book Retirement Savings for Low-income Workers written by United States. Congress. Senate. Committee on Finance. Subcommittee on Social Security, Pensions, and Family Policy and published by . This book was released on 2014 with total page 112 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Lisa Servon
Publisher : Houghton Mifflin Harcourt
ISBN 13 : 0544611187
Total Pages : 264 pages
Book Rating : 4.5/5 (446 download)
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
Author : Robert Freitag
Publisher : Walter de Gruyter GmbH & Co KG
ISBN 13 : 311063774X
Total Pages : 211 pages
Book Rating : 4.1/5 (16 download)
Download or read book The Euro as Legal Tender written by Robert Freitag and published by Walter de Gruyter GmbH & Co KG. This book was released on 2020-04-20 with total page 211 pages. Available in PDF, EPUB and Kindle. Book excerpt: Twenty years following the introduction of the euro as single European currency, it remains unclear whether Article 128 of the TFEU enshrines an autonomous concept of legal tender with regard to the euro or whether the provision merely refers to pre-existing concepts of legal tender in the national laws of member states. This work collects all contributions to the 2018 conference "The Euro as Legal Tender" held in Frankfurt-am-Main.
Author : J. Bamfield
Publisher : Springer
ISBN 13 : 0230393551
Total Pages : 460 pages
Book Rating : 4.2/5 (33 download)
Download or read book Shopping and Crime written by J. Bamfield and published by Springer. This book was released on 2012-03-13 with total page 460 pages. Available in PDF, EPUB and Kindle. Book excerpt: An interdisciplinary study of retail crime as a cultural phenomenon, drawing on economics, criminology and management to present a comprehensive explanation for the growth in retail thefts. This topical study explores crime prevention as a management issue, using criminomics, a concept based on commercial realities rather than maximising arrests.
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 : Stephen Haymes
Publisher : Routledge
ISBN 13 : 1317627393
Total Pages : 835 pages
Book Rating : 4.3/5 (176 download)
Download or read book The Routledge Handbook of Poverty in the United States written by Stephen Haymes and published by Routledge. This book was released on 2014-12-17 with total page 835 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the United States, the causes and even the meanings of poverty are disconnected from the causes and meanings of global poverty. The Routledge Handbook of Poverty in the United States provides an authoritative overview of the relationship of poverty with the rise of neoliberal capitalism in the context of globalization. Reorienting its national economy towards a global logic, US domestic policies have promoted a market-based strategy of economic development and growth as the obvious solution to alleviating poverty, affecting approaches to the problem discursively, politically, economically, culturally and experientially. However, the handbook explores how rather than alleviating poverty, it has instead exacerbated poverty and pre-existing inequalities – privatizing the services of social welfare and educational institutions, transforming the state from a benevolent to a punitive state, and criminalizing poor women, racial and ethnic minorities, and immigrants. Key issues examined by the international selection of leading scholars in this volume include: income distribution, employment, health, hunger, housing and urbanization. With parts focusing on the lived experience of the poor, social justice and human rights frameworks – as opposed to welfare rights models – and the role of helping professions such as social work, health and education, this comprehensive handbook is a vital reference for anyone working with those in poverty, whether directly or at a macro level.
Author : Joy Malala
Publisher : Routledge
ISBN 13 : 1351728571
Total Pages : 154 pages
Book Rating : 4.3/5 (517 download)
Download or read book Law and Regulation of Mobile Payment Systems written by Joy Malala and published by Routledge. This book was released on 2017-11-28 with total page 154 pages. Available in PDF, EPUB and Kindle. Book excerpt: Over the last ten years mobile payment systems have revolutionised banking in some countries in Africa. In Kenya the introduction of M-Pesa, a new financial services model, has transformed the banking and financial services industry. Giving the unbanked majority access to the financial services market it has attracted over 18 million subscribers which is remarkable given that fewer than 4 million people in Kenya have bank accounts. This book addresses the legal and regulatory issues arising out of the introduction of M-Pesa in Kenya and its drive towards financial inclusion. It considers the interaction between regulation and technological innovation with a particular focus on the regulatory tools, institutional arrangements and government decisional processes through the examination as a whole of its regulatory capacity. This is done with a view to understanding the regulatory capacity of Kenya in addressing the vulnerabilities presented by technological innovation in the financial industry for consumers after financial inclusion. It also examines the way that mobile payments have been regulated by criticising the piecemeal approach that the Central Bank of Kenya has taken in addressing the legal and regulatory issues presented by mobile payments. The book argues there are significant gaps in the regulatory regime of mobile banking in Kenya.
