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Building financial resilience : do credit and finance schemes serve or impoverish vulnerable people?

Author: Jerry Buckland
Publisher: Cham, Switzerland : Palgrave Macmillan, [2018]
Edition/Format:   eBook : Document : EnglishView all editions and formats
Summary:
This book examines how credit and finance schemes affect the financial lives of vulnerable people around the world. These schemes include payday lending, matched savings, and financial literacy in the Global North, and micro-credit and mobile banking in the Global South. Buckland sets these schemes within the context of financialization and seeks to identify strengths, weaknesses, and ways to enhance the well-being  Read more...
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Genre/Form: Electronic books
Additional Physical Format: Print version:
Buckland, Jerry
Building Financial Resilience : Do Credit and Finance Schemes Serve or Impoverish Vulnerable People?
Cham : Palgrave Macmillan US,c2018
Material Type: Document, Internet resource
Document Type: Internet Resource, Computer File
All Authors / Contributors: Jerry Buckland
ISBN: 9783319724195 3319724193
OCLC Number: 1027201269
Notes: Education and Counselling on Household Finances
Description: 1 online resource
Contents: Intro; Foreword; Acknowledgments; Contents; List of Figures; List of Tables; Chapter 1: Introduction; General Approach; Actors Engaged in Credit and Finance Schemes; Bibliography; Chapter 2: Financial Inclusion and Building Financial Resilience; Financialization; Views about Financialization and the Financialization of the Everyday; Causes and Effects of Financialization; Financialization and Human Motivations; Financial Inclusion; Indicators of Financialization and Financial Inclusion; Poverty, Capability, and Financial Resilience; Types of and Views About Poverty Human Capability and Financial ResilienceRecent History of Money and Banking; The Changing Role of Actors in Credit and Finance Schemes; Discussion; Bibliography; Chapter 3: New Areas of Commercial Banking Directed at Vulnerable People: Payday Lending and Mobile Banking; Firm Motivation, Politics, and Ethical Considerations; Motives and Markets of Financial Institutions; The Political Influence of Financial Institutions; Ethical Issues and Usury; Information Technologies and Banking; Financial Institutions That Offer Services to Poor People Early Roots of Fringe Banks: Pawnshops and Check CashersInformal Financial Services; Traditional Moneylenders and Loan Sharks; Traditional Social Finance; New Commercial Financial Services Directed at Low-Income People: Payday Lending and Mobile Banking; Fringe Banks and Payday Lending; Payday Loans and Lenders; Other Transactions Services Payday Lenders Offer; Other Fringe Banks; The "Corporatization" of Payday Lenders and Fringe Banks; DFC Global Corporation; Mainstream Banks and Mobile Banking; Mobile Banking Mobile Banking: Constraints to Adoption and Contribution to Broad-­Based Economic DevelopmentM-PESA and bKash; Problems Identified with Mobile Banking; Pilot Survey Results; Discussion; Bibliography; Chapter 4: Financialization and Consumer Behavior; Consumerism; Consumer Debt; Consumer Debt and Mental Health; Consumption and Advertising; Unpacking Human Rationality; Collective Behavior; Structural Barriers; Rational Behavior; Unpacking Bounded Rationality; Measuring Financial Literacy; Rules of Thumb That Go Wrong; Borrowing Behavior; Savings Behavior; Scarcity and Tunneling From Bounded Rationality to Deliberate Decision-MakingDiscussion; Bibliography; Chapter 5: Credit, Cash, Savings, and Financial Literacy Delivered Through Civil Society; Introduction; Regional Variations in Socially Oriented Financial Programs; Microcredit, Conditional Cash Transfers, and Asset-­Building Programs; Microcredit; The Concept and History; Size and Scope of Microcredit; The Diversity of the Model; Analysis of Microcredit; Impact; Cash Transfers; Current Scope and Size; Impact; Asset Building; The Concept and History; The Current Scope and Size; Analysis and Impact
Responsibility: Jerry Buckland.

Abstract:

This book examines how credit and finance schemes affect the financial lives of vulnerable people around the world. These schemes include payday lending, matched savings, and financial literacy in  Read more...

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