Lending Dignity PDF Download

Author: Jenna Weissman Joselit
Publisher:
ISBN:
Category : Charities
Languages : en
Pages : 120

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Author: Jenna Weissman Joselit
Publisher:
ISBN:
Category : Fraternal organizations
Languages : en
Pages : 102

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Author: Chrystin Ondersma
Publisher: Univ of California Press
ISBN: 0520391470
Category : Business & Economics
Languages : en
Pages : 279

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"Dignity Not Debt reimagines the American household debt landscape. Contrary to the myth that households can avoid debt troubles by taking on "good debt" and avoiding "bad debt," many Americans have no choice but to take on debt just to survive. And when they turn to debt for opportunities, these promised opportunities often never materialize. Chrystin Ondersma describes the brutal reality of Americans' experience with debt and dismantles the stubborn myths-including the myth of the free market-that continue to stand in the way of just and sensible economic policy. She offers a new taxonomy of household debt and a new vision for household debt policymaking-one rooted in the principle of human dignity rather than in myths. She gives American families the truth about household debt and policymakers exciting new strategies toward true prosperity and equality for American families"--

Author: Chris Arnade
Publisher: Penguin
ISBN: 0525534733
Category : Social Science
Languages : en
Pages : 306

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NATIONAL BESTSELLER "A profound book.... It will break your heart but also leave you with hope." —J.D. Vance, author of Hillbilly Elegy "[A] deeply empathetic book." —The Economist With stark photo essays and unforgettable true stories, Chris Arnade cuts through "expert" pontification on inequality, addiction, and poverty to allow those who have been left behind to define themselves on their own terms. After abandoning his Wall Street career, Chris Arnade decided to document poverty and addiction in the Bronx. He began interviewing, photographing, and becoming close friends with homeless addicts, and spent hours in drug dens and McDonald's. Then he started driving across America to see how the rest of the country compared. He found the same types of stories everywhere, across lines of race, ethnicity, religion, and geography. The people he got to know, from Alabama and California to Maine and Nevada, gave Arnade a new respect for the dignity and resilience of what he calls America's Back Row--those who lack the credentials and advantages of the so-called meritocratic upper class. The strivers in the Front Row, with their advanced degrees and upward mobility, see the Back Row's values as worthless. They scorn anyone who stays in a dying town or city as foolish, and mock anyone who clings to religion or tradition as naïve. As Takeesha, a woman in the Bronx, told Arnade, she wants to be seen she sees herself: "a prostitute, a mother of six, and a child of God." This book is his attempt to help the rest of us truly see, hear, and respect millions of people who've been left behind.

Author: Frederick F. Wherry
Publisher: Russell Sage Foundation
ISBN: 1610448847
Category : Social Science
Languages : en
Pages : 176

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Book Description
An estimated 45 million adults in the U.S. lack a credit score at time when credit invisibility can reduce one’s ability to rent a home, find employment, or secure a mortgage or loan. As a result, individuals without credit—who are disproportionately African American and Latino—often lead separate and unequal financial lives. Yet, as sociologists and public policy experts Frederick Wherry, Kristin Seefeldt, and Anthony Alvarez argue, many people who are not recognized within the financial system engage in behaviors that indicate their credit worthiness. How might institutions acknowledge these practices and help these people emerge from the financial shadows? In Credit Where It’s Due, the authors evaluate an innovative model of credit-building and advocate for a new understanding of financial citizenship, or participation in a financial system that fosters social belonging, dignity, and respect. Wherry, Seefeldt, and Alvarez tell the story of the Mission Asset Fund, a San Francisco-based organization that assists mostly low- and moderate-income people of color with building credit. The Mission Asset Fund facilitates zero-interest lending circles, which have been practiced by generations of immigrants, but have gone largely unrecognized by mainstream financial institutions. Participants decide how the circles are run and how they will use their loans, and the organization reports their clients’ lending activity to credit bureaus. As the authors show, this system not only helps clients build credit, but also allows them to manage debt with dignity, have some say in the creation of financial products, and reaffirm their sense of social membership. The authors delve into the history of racial wealth inequality in the U.S. to show that for many black and Latino households, credit invisibility is not simply a matter of individual choices or inadequate financial education. Rather, financial marginalization is the result of historical policies that enabled predatory lending, discriminatory banking and housing practices, and the rollback of regulatory protections for first-time homeowners. To rectify these inequalities, the authors propose common sense regulations to protect consumers from abuse alongside new initiatives that provide seed capital for every child, create affordable short-term loans, and ensure that financial institutions treat low- and moderate-income clients with equal respect. By situating the successes of the Mission Asset Fund in the larger history of credit and debt, Credit Where It’s Due shows how to prioritize financial citizenship for all.

Author: Brian Fikkert
Publisher: Zondervan
ISBN: 031051813X
Category : Religion
Languages : en
Pages : 336

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The church of Jesus Christ finds itself at a very unique moment in history. The average Christian living in the “economically advanced countries” enjoys a level of prosperity that has been unimaginable for most of human history. At the same time, over 2.5 billion people in the Majority World (Africa, Asia, and Latin America) live on less than $2 per day, with many of these people being Christians. Ironically, it is amongst the “least of these” in the Global South that the global church is experiencing the most rapid growth. All of this raises profound challenges to the global church. How can churches and missionaries in the Majority World effectively address the devastating poverty both inside their congregations and just outside their doors? How can churches in the economically advanced countries effectively partner with Global South churches in this process? The very integrity of the global church’s testimony is at stake, for where God’s people reside, there should be no poverty (Deuteronomy 15:4; Acts 4:34). For the past several decades, microfinance (MF) and microenterprise development (MED) have been the leading approaches to poverty alleviation. MF/MED is a set of interventions that allow households to better manage their finances and start small businesses. From remote churches in rural Africa to the short-term missions programs of mega-churches in the United States, churches and missionaries have taken the plunge into MF/MED, trying to emulate the apparent success of large-scale relief and development organizations. Unfortunately, most churches and missionaries find this to be far more difficult than they had imagined. Repayment rates on loans are low and churches typically end up with struggling programs that require ongoing financial subsidies. Everybody gets hurt in the process: donors, relief and development agencies, churches and missionaries, and--most importantly—the poor people themselves. This book explains the basic principles for successfully utilizing microfinance in ministry. Drawing on best practice research and their own pioneering work with the Chalmers Center, Brian Fikkert and Russell Mask chart a path for churches and missionaries to pursue, a path that minimizes the risks of harm, relies on local resources, and enables missionaries and churches to minister in powerful ways to the spiritual and economic needs of some of the poorest people on the planet. The insights of microfinance can play a tremendous role in helping to stabilize poor households, removing them from the brink of disaster and enabling them to make the changes that are conducive to long-term progress. Moreover, when combined with evangelism and discipleship, a church-centered microfinance program can be a powerful tool for holistic ministry—one that is empowering for the poor and devoid of the dependencies plaguing most relationships between churches in economically advanced countries and churches in poor nations.

Author: Gene Sperling
Publisher: Penguin
ISBN: 1984879898
Category : Political Science
Languages : en
Pages : 385

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“Timely and important . . . It should be our North Star for the recovery and beyond.” —Hillary Clinton “Sperling makes a forceful case that only by speaking to matters of the spirit can liberals root their belief in economic justice in people’s deepest aspirations—in their sense of purpose and self-worth.” —The New York Times When Gene Sperling was in charge of coordinating economic policy in the Obama White House, he found himself surprised when serious people in Washington told him that the Obama focus on health care was a distraction because it was “not focused on the economy.” How, he asked, was the fear felt by millions of Americans of being one serious illness away from financial ruin not considered an economic issue? Too often, Sperling found that we measured economic success by metrics like GDP instead of whether the economy was succeeding in lifting up the sense of meaning, purpose, fulfillment, and security of people. In Economic Dignity, Sperling frames the way forward in a time of wrenching change and offers a vision of an economy whose guiding light is the promotion of dignity for all Americans.

Author: Vince Vetro
Publisher:
ISBN: 9781539168089
Category :
Languages : en
Pages :

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Vince Vetro, entrepreneur, consultant, and coach, founded The Lending Journey, a charity working in Latin America that enables women to regain dignity and independence through microloans. In his memoir, Vince tells his journey of coming to discover his life's calling working among the world's poorest.

Author: Margery Austin Turner
Publisher: DIANE Publishing
ISBN: 0788187945
Category :
Languages : en
Pages : 69

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Book Description
The U.S. Department of Housing and Human Development (HUD) presents the report "What We Know About Mortgage Lending Discrimination in America." The report outlines how discrimination can affect access to mortgage capital for minorities.

Author: Linda Barclay
Publisher: Routledge
ISBN: 1351017098
Category : Philosophy
Languages : en
Pages : 216

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Book Description
Philosophical interest in disability is rapidly expanding. Philosophers are beginning to grasp the complexity of disability—as a category, with respect to well-being and as a marker of identity. However, the philosophical literature on justice and human rights has often been limited in scope and somewhat abstract. Not enough sustained attention has been paid to the concrete claims made by people with disabilities, concerning their human rights, their legal entitlements and their access to important goods, services and resources. This book discusses how effectively philosophical approaches to distributive justice and human rights can support these concrete claims. It argues that these approaches often fail to lend clear support to common disability demands, revealing both the limitations of existing philosophical theories and the inflated nature of some of these demands. Moving beyond entitlements, the author also develops a unique conception of dignity, which she argues illuminates the specific indignities experienced by people with disabilities in the allocation of goods, in the common experience of discrimination and in a wide range of interpersonal interactions. Disability with Dignity offers an accessible and extended philosophical discussion of disability, justice and human rights. It provides a comprehensive assessment of the benefits and pitfalls of theories of human rights and justice for advancing justice for the disabled. It brings the moral importance of dignity to the centre, arguing that justice must be pursued in a way that preserves and promotes the dignity of people with disabilities.