Author: United States. Congress. House. Committee on Financial Services. Subcommittee on Domestic and International Monetary Policy, Trade, and TechnologyPublisher:
ISBN:
Category : Social Science
Languages : en
Pages : 152
Book Description
Remittances
Author: United States. Congress. House. Committee on Financial Services. Subcommittee on Domestic and International Monetary Policy, Trade, and TechnologyPublisher:
ISBN:
Category : Social Science
Languages : en
Pages : 152
Book Description
Hard Choices
Author: Jerry BucklandPublisher: University of Toronto Press
ISBN: 1442662611
Category : Social Science
Languages : en
Pages : 289
Book Description
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.
New Frontiers in Banking Services
Author: Luisa AnderloniPublisher: Springer Science & Business Media
ISBN: 3540464980
Category : Business & Economics
Languages : en
Pages : 376
Book Description
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).
Fringe Banking in Winnipeg's North End
Author: Jerry BucklandPublisher: Canadian Centre Policy Alternatives
ISBN: 0886274281
Category : Check cashing services
Languages : en
Pages : 55
Book Description
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.
Official Report of the Debates of the House of Commons
Author: Canada. Parliament. House of CommonsPublisher:
ISBN:
Category : Canada
Languages : en
Pages : 864
Book Description
House of Commons Debates, Official Report
Author: Canada. Parliament. House of CommonsPublisher:
ISBN:
Category : Canada
Languages : en
Pages : 818
Book Description
The Behavioural Finance Revolution
Author: Riccardo VialePublisher: Edward Elgar Publishing
ISBN: 1788973062
Category : BUSINESS and ECONOMICS
Languages : en
Pages : 269
Book Description
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.
Red Tape
Author: Robin EllisonPublisher:
ISBN: 1108426956
Category : Law
Languages : en
Pages : 555
Book Description
Argues that the solution to the excess of laws, regulation and regulators is to change the mindset of lawmakers.
Payday Lending in Canada in a Global Context
Author: Jerry BucklandPublisher: Springer
ISBN: 3319712136
Category : Business & Economics
Languages : en
Pages : 257
Book Description
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.
Anglican Social Theology
Author: Malcolm BrownPublisher: Canterbury Press
ISBN: 0715144715
Category : Religion
Languages : en
Pages : 152
Book Description
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.