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Pragmatic Solutions To Payday Lending
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Author :United States. Congress. House. Committee on Financial Services. Subcommittee on Domestic and International Monetary Policy, Trade, and Technology Publisher : ISBN 13 : Total Pages :152 pages Book Rating :4.0/5 ( download)
Book Synopsis Remittances by : United States. Congress. House. Committee on Financial Services. Subcommittee on Domestic and International Monetary Policy, Trade, and Technology
Download or read book Remittances written by United States. Congress. House. Committee on Financial Services. Subcommittee on Domestic and International Monetary Policy, Trade, and Technology and published by . This book was released on 2007 with total page 152 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Hard Choices written by Jerry Buckland and published by University of Toronto Press. This book was released on 2012-03-30 with total page 289 pages. Available in PDF, EPUB and Kindle. Book excerpt: When low-income city dwellers lack access to mainstream banking services, many end up turning to ‘fringe banks,’ such as cheque-cashers and pawnshops, for some or all of their financial transactions. This predicament of ‘financial exclusion’ – faced by those underserved by conventional financial institutions – is comprehensively examined in Jerry Buckland's powerful study, Hard Choices. The first account of the nature and causes of financial exclusion in Canada, Hard Choices thoroughly integrates economic and social data on consumer choice, bank behaviour, and government policy. Buckland demonstrates why the current two-tier system of banking is becoming increasingly dysfunctional, especially in the context of new credit products that aggravate income inequality and stifle local economic growth. Featuring a foreword by esteemed economics scholar John P. Caskey, Hard Choices presents pragmatic policy improvements on both the public and private levels that can promote and build financial inclusion for all.
Book Synopsis New Frontiers in Banking Services by : Luisa Anderloni
Download or read book New Frontiers in Banking Services written by Luisa Anderloni and published by Springer Science & Business Media. This book was released on 2007-03-21 with total page 376 pages. Available in PDF, EPUB and Kindle. Book excerpt: The book is devoted to a subject which deserves growing attention from policy makers, financial operators and academics. It is the issue of unbanking or underbanking in developed countries. With respect to this, the goal of the authors has been to devote more efforts to understanding the problem of financial exclusion in order to offer to low-moderate-income people new opportunities of accessing financial services (banking, credit and investment services).
Book Synopsis Fringe Banking in Winnipeg's North End by : Jerry Buckland
Download or read book Fringe Banking in Winnipeg's North End written by Jerry Buckland and published by Canadian Centre Policy Alternatives. This book was released on 2005 with total page 55 pages. Available in PDF, EPUB and Kindle. Book excerpt: The geographic boundaries of the North End, as determined by the North End Community Renewal Corporation, is north of the CPR tracks, south of Caruthers Avenue, east of McPhillips Street, and west of the Red River. [...] This 5 In his examination of fringe banking in the US, Caskey (1994, p. 84) argues that a chief reason for their rise is the increase in the number of households without bank accounts, rising from 9.5% of the US population in 1977 to 13.5% in 1989, the result of processes affecting banks (supply side) and bank clients (demand side). [...] The second focus credit risk related to high levels of debt-servicing and personal bankruptcy; the contraction in the bank and finance company supply of non-revolving, unsecured loans; the growing numbers of people with higher credit risk due to increased legal and illegal immigration to the US; the increase in gold prices; the growing awareness among entrepreneurs of the profits in fringe banking [...] Winnipeg and the 16.5% of the population of the North End, North End both have around 13.5% of comprise a smaller percentage at 11.9% their population over the age of retire- of the population of Winnipeg. [...] This is sub- the number of people contributing income stantially higher than the 35% average in to a household, the greater the likelihood the rest of Winnipeg.
Book Synopsis Official Report of the Debates of the House of Commons by : Canada. Parliament. House of Commons
Download or read book Official Report of the Debates of the House of Commons written by Canada. Parliament. House of Commons and published by . This book was released on 2006-10-17 with total page 864 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis House of Commons Debates, Official Report by : Canada. Parliament. House of Commons
Download or read book House of Commons Debates, Official Report written by Canada. Parliament. House of Commons and published by . This book was released on 2006 with total page 818 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Behavioural Finance Revolution by : Riccardo Viale
Download or read book The Behavioural Finance Revolution written by Riccardo Viale and published by Edward Elgar Publishing. This book was released on 2018 with total page 269 pages. Available in PDF, EPUB and Kindle. Book excerpt: Financial markets are complex. Regulators strive to predict ways in which they can malfunction and create rules to prevent this from happening, yet behavioural impacts are often overlooked. This book explores how behavioural finance can go hand-in-hand with traditional methods to help banks and regulators create better policies. It also demonstrates how the behavioural finance revolution has opened the way to a more integrated approach to the analysis of economic phenomena.
Download or read book Red Tape written by Robin Ellison and published by . This book was released on 2018-06-14 with total page 555 pages. Available in PDF, EPUB and Kindle. Book excerpt: Argues that the solution to the excess of laws, regulation and regulators is to change the mindset of lawmakers.
Book Synopsis Payday Lending in Canada in a Global Context by : Jerry Buckland
Download or read book Payday Lending in Canada in a Global Context written by Jerry Buckland and published by Springer. This book was released on 2018-03-29 with total page 257 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book analyzes the highly contentious payday lending industry, presenting valuable new data collected during Canada's recent regulatory reviews and demonstrating its relevance to payday lending conversations taking place worldwide. The authors treat the industry with a balanced hand by establishing its importance as an example of financialization and acknowledging the complex impact of payday lending services on low-income and credit-constrained clients. Up-to-date data from an interdisciplinary mix of financial, econometric, legal, behavioral economic, and socioeconomic sources—all in the context of an established Canadian industry—provide both proponents and opponents of payday lending with valuable evidence for their discussions of how much regulation is required to minimize harmful consequences. These insights from Canada expand a US-centric conversation and provide a key resource for the growing list of countries in which the industry is present, from the UK and Poland to South Africa and Australia.
Book Synopsis How the Other Half Banks by : Mehrsa Baradaran
Download or read book How the Other Half Banks written by Mehrsa Baradaran and published by Harvard University Press. This book was released on 2015-10-06 with total page 337 pages. Available in PDF, EPUB and Kindle. Book excerpt: The United States has two separate banking systems today—one serving the well-to-do and another exploiting everyone else. How the Other Half Banks contributes to the growing conversation on American inequality by highlighting one of its prime causes: unequal credit. Mehrsa Baradaran examines how a significant portion of the population, deserted by banks, is forced to wander through a Wild West of payday lenders and check-cashing services to cover emergency expenses and pay for necessities—all thanks to deregulation that began in the 1970s and continues decades later. “Baradaran argues persuasively that the banking industry, fattened on public subsidies (including too-big-to-fail bailouts), owes low-income families a better deal...How the Other Half Banks is well researched and clearly written...The bankers who fully understand the system are heavily invested in it. Books like this are written for the rest of us.” —Nancy Folbre, New York Times Book Review “How the Other Half Banks tells an important story, one in which we have allowed the profit motives of banks to trump the public interest.” —Lisa J. Servon, American Prospect
Book Synopsis Anglican Social Theology by : Malcolm Brown
Download or read book Anglican Social Theology written by Malcolm Brown and published by Canterbury Press. This book was released on 2014-07-04 with total page 152 pages. Available in PDF, EPUB and Kindle. Book excerpt: This volume, commissioned by a group of Bishops in hard-hit dioceses, looks to develop strong theological foundations for local social action initiatives by churches, especially for activists who are not familiar with the Church of England’s tradition of social theology, developed by William Temple and others a century ago.
Book Synopsis Anglican Social Theology Today by : Malcolm Brown
Download or read book Anglican Social Theology Today written by Malcolm Brown and published by Church House Publishing. This book was released on 2014-07-25 with total page 240 pages. Available in PDF, EPUB and Kindle. Book excerpt: In periods of recession, churches frequently respond to social need in practical ways. These responses are often driven by pastoral concern rather than a theology of church and society. But without theological roots, such social action can be vulnerable and episodic. This volume, commissioned by a group of Bishops in hard-hit dioceses, looks to develop strong theological foundations for local social action initiatives by churches, especially for activists who are not familiar with the Church of England’s tradition of social theology, developed by William Temple and others a century ago. In exploring what a renewed Anglican social theology might look like, this also draws on the impact of Catholic Social Teaching and focuses on the core topics of multiculturalism, economics, family patterns, ecology and other key issues.
Book Synopsis UK Government & Politics Annual Update 2014 by : Neil McNaughton
Download or read book UK Government & Politics Annual Update 2014 written by Neil McNaughton and published by Philip Allan. This book was released on 2014-02-28 with total page 64 pages. Available in PDF, EPUB and Kindle. Book excerpt: Featuring information and analysis of recent events in UK politics, UK Government & Politics Annual Update provides you with topical material to draw on for tasks throughout your course, and for answering examination questions. Written by experienced teachers and edited by an acknowledged expert in the field of UK politics, this is the book you need if you are aiming for the highest grades at AS. - Reviews all the key events and developments in UK politics that you need to know - Up-to-date examples and data to help you present knowledgeable and persuasive arguments - Written by experienced authors who know what you need to know to get your top grades - The perfect update for your textbook, bringing you right up to date with all the topical material you need to achieve your best in your exams Contents: Chapter 1 2013 elections: who won and does it matter? Chapter 2 UKIP: a new political force or merely a protest group? Chapter 3 Political parties: are they ideology-free zones? Chapter 4 Welfare reform: real change or just cost-cutting? Chapter 5 Lobby and all-party groups: a threat to democracy? Chapter 6 E-petitions: a form of democratic renewal? Chapter 7 Boris Johnson: Britain's next Conservative prime minister? Chapter 8 Select committees: are they effective? Chapter 9 'Civil servants advise, ministers decide': fact or fiction? Chapter 10 Rights: is the European Convention on Human Rights Chapter 11 Briefings
Download or read book Hard Choices written by Jerry Buckland and published by University of Toronto Press. This book was released on 2012-03-30 with total page 289 pages. Available in PDF, EPUB and Kindle. Book excerpt: When low-income city dwellers lack access to mainstream banking services, many end up turning to 'fringe banks,' such as cheque-cashers and pawnshops, for some or all of their financial transactions. This predicament of 'financial exclusion' - faced by those underserved by conventional financial institutions - is comprehensively examined in Jerry Buckland's powerful study, Hard Choices. The first account of the nature and causes of financial exclusion in Canada, Hard Choices thoroughly integrates economic and social data on consumer choice, bank behaviour, and government policy. Buckland demonstrates why the current two-tier system of banking is becoming increasingly dysfunctional, especially in the context of new credit products that aggravate income inequality and stifle local economic growth. Featuring a foreword by esteemed economics scholar John P. Caskey, Hard Choices presents pragmatic policy improvements on both the public and private levels that can promote and build financial inclusion for all.
Book Synopsis The Negro Bible - The Slave Bible by :
Download or read book The Negro Bible - The Slave Bible written by and published by . This book was released on 2019-10-25 with total page 578 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Slave Bible was published in 1807. It was commissioned on behalf of the Society for the Conversion of Negro Slaves in England. The Bible was to be used by missionaries and slave owners to teach slaves about the Christian faith and to evangelize slaves. The Bible was used to teach some slaves to read, but the goal first and foremost was to tend to the spiritual needs of the slaves in the way the missionaries and slave owners saw fit.
Book Synopsis What Would Google Do? by : Jeff Jarvis
Download or read book What Would Google Do? written by Jeff Jarvis and published by Harper Collins. This book was released on 2011-09-20 with total page 290 pages. Available in PDF, EPUB and Kindle. Book excerpt: In a book that’s one part prophecy, one part thought experiment, one part manifesto, and one part survival manual, internet impresario and blogging pioneer Jeff Jarvis reverse-engineers Google, the fastest-growing company in history, to discover forty clear and straightforward rules to manage and live by. At the same time, he illuminates the new worldview of the internet generation: how it challenges and destroys—but also opens up—vast new opportunities. His findings are counterintuitive, imaginative, practical, and above all visionary, giving readers a glimpse of how everyone and everything—from corporations to governments, nations to individuals—must evolve in the Google era. What Would Google Do? is an astonishing, mind-opening book that, in the end, is not about Google. It’s about you.
Book Synopsis Making Finance Work for Africa by : Patrick Honohan
Download or read book Making Finance Work for Africa written by Patrick Honohan and published by World Bank Publications. This book was released on 2007 with total page 264 pages. Available in PDF, EPUB and Kindle. Book excerpt: Drawing on its extensive experience in helping restructure and reform financial systems, the World Bank examines the state of African domestic financial systems in a global comparison. It identifies promising trends as well as pinpointing the major shortcomings that are observed across sub-Saharan Africa. Policy recommendations distinguish between those designed to make finance a more effective driver of economic growth and those designed to give low income, small-scale and other excluded groups better access to financial services.
