Britain S Personal Debt Crisis

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Britain's Personal Debt Crisis

Author : Damon Gibbons
Publisher : Unknown
Page : 238 pages
File Size : 46,6 Mb
Release : 2014-07-01
Category : Social Science
ISBN : 1907720979

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Britain's Personal Debt Crisis by Damon Gibbons Pdf

"Damon's book provides a timely insight into the power of personal debt to not just make life a daily struggle of the public but do long term damage to the future our country. He matches detailed analysis with a passionate call for action that many will find compelling" Stella Creasy MP ''This is a timely analysis of the growth in personal debt and a passionate plea for action. Few people understand the working of credit markets better than Damon and his proposals for effective regulation deserve serious attention." Paul Blomfield MP "Damon is one of those rare people who is able to combine a social policy researchers' attention to detail with a campaigners' zeal and passion to make change happen. The fact that he has managed to sustain this work for more than a decade, even when it has often meant swimming against the prevailing opinion of the times, is remarkable. Not only that, his analysis of the problems and solutions to Britain's personal debt crisis is always insightful, and almost always right!" Niall Cooper director Church Action on Poverty ''Damon Gibbons has campaigned over many years for fair lending at a reasonable price to low income households. From doorstep lending to payday loans he has challenged established ideas and called for a cap on costs - a policy now endorsed by the Government." Paul Lewis, journalist and broadcaster About the book We are living in a period of great unrest. What is commonly regarded as starting as a 'credit crunch' in 2007 became a full blown financial crisis the following year causing the 'deepest global downturn in recent history'. Across Europe, rising insolvencies and unemployment have led to falling tax revenues, and to yawning national budget deficits. The austerity measures taken to 'deal with' these deficits are exacerbating wealth inequalities and a series of social and political crises are emerging Underpinning all of these events is a personal debt crisis, and it remains utterly unresolved. The personal debt crisis is not a single moment in time but has been caused by the de-regulation of the financial sector over a period of thirty years; of deep change within the structure of our labour market; of failed housing policies; and of the erosion of the welfare state. The personal debt crisis is also a cultural crisis, where positive notions of self reliance and responsibility have been twisted by the credit industry to encourage people to meet short term 'wants' at the expense of long term 'needs'.

Britain's Debt Crisis

Author : Tom Slator
Publisher : Unknown
Page : 259 pages
File Size : 46,8 Mb
Release : 2005
Category : Bankruptcy
ISBN : 0955139201

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Britain's Debt Crisis by Tom Slator Pdf

Features debt; dealing with personal debt; bankruptcy; bankruptcy laws; consumer debt in Britain; and, economics and sociology of consumer debt, interest rates and house prices.

Law and Finance after the Financial Crisis

Author : Abdul Karim Aldohni
Publisher : Routledge
Page : 224 pages
File Size : 49,7 Mb
Release : 2016-12-19
Category : Business & Economics
ISBN : 9781317385578

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Law and Finance after the Financial Crisis by Abdul Karim Aldohni Pdf

The 2008 financial crisis has become one of the defining features of the twenty first century’s first decade. The series of events which unfolded in the aftermath of the crisis has exposed major structural flaws in many of the financial systems around the globe, triggering a global call for legal and regulatory reforms to address the problems that have been uncovered. This book deals with a neglected angle of the 2008 financial crisis looking in-depth at the implicit effects of the 2008 crisis on the UK financial market. The book considers new trends in finance which have emerged since the crisis as well as the challenges faced by some older practices in the UK financial markets. After providing a reflective account of the history of law and creditors in the UK the book investigates the proliferation of certain forms of financing that have recently become very visible parts of the UK financial market’s structure, such as high cost short term lending and peer to peer lending. It provides legal and economic accounts of these forms of alternative lending, charting their developments, current status and critically assesses their impact on the UK financial market. Also examined are the ongoing funding difficulties faced by Small and Medium Enterprises (SMEs) and the suitability of the UK current legal framework to support these institutions. The book goes on to look at the viability and safety of some other post crisis trends such as banks use of Contingent Convertible Bonds (CoCos) to improve their resilience.

The Routledge International Handbook of Financialization

Author : Philip Mader,Daniel Mertens,Natascha van der Zwan
Publisher : Routledge
Page : 564 pages
File Size : 48,5 Mb
Release : 2020-02-05
Category : Business & Economics
ISBN : 9781351390361

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The Routledge International Handbook of Financialization by Philip Mader,Daniel Mertens,Natascha van der Zwan Pdf

Financialization has become the go-to term for scholars grappling with the growth of finance. This Handbook offers the first comprehensive survey of the scholarship on financialization, connecting finance with changes in politics, technology, culture, society and the economy. It takes stock of the diverse avenues of research that comprise financialization studies and the contributions they have made to understanding the changes in contemporary societies driven by the rise of finance. The chapters chart the field’s evolution from research describing and critiquing the manifestations of financialization towards scholarship that pinpoints the driving forces, mechanisms and boundaries of financialization. Written for researchers and students not only in economics but from across the social sciences and the humanities, this book offers a decidedly global and pluri-disciplinary view on financialization for those who are looking to understand the changing face of finance and its consequences.

The Financial Crisis Inquiry Report

Author : Financial Crisis Inquiry Commission
Publisher : Cosimo, Inc.
Page : 692 pages
File Size : 54,5 Mb
Release : 2011-05-01
Category : Political Science
ISBN : 9781616405410

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The Financial Crisis Inquiry Report by Financial Crisis Inquiry Commission Pdf

The Financial Crisis Inquiry Report, published by the U.S. Government and the Financial Crisis Inquiry Commission in early 2011, is the official government report on the United States financial collapse and the review of major financial institutions that bankrupted and failed, or would have without help from the government. The commission and the report were implemented after Congress passed an act in 2009 to review and prevent fraudulent activity. The report details, among other things, the periods before, during, and after the crisis, what led up to it, and analyses of subprime mortgage lending, credit expansion and banking policies, the collapse of companies like Fannie Mae and Freddie Mac, and the federal bailouts of Lehman and AIG. It also discusses the aftermath of the fallout and our current state. This report should be of interest to anyone concerned about the financial situation in the U.S. and around the world.THE FINANCIAL CRISIS INQUIRY COMMISSION is an independent, bi-partisan, government-appointed panel of 10 people that was created to "examine the causes, domestic and global, of the current financial and economic crisis in the United States." It was established as part of the Fraud Enforcement and Recovery Act of 2009. The commission consisted of private citizens with expertise in economics and finance, banking, housing, market regulation, and consumer protection. They examined and reported on "the collapse of major financial institutions that failed or would have failed if not for exceptional assistance from the government."News Dissector DANNY SCHECHTER is a journalist, blogger and filmmaker. He has been reporting on economic crises since the 1980's when he was with ABC News. His film In Debt We Trust warned of the economic meltdown in 2006. He has since written three books on the subject including Plunder: Investigating Our Economic Calamity (Cosimo Books, 2008), and The Crime Of Our Time: Why Wall Street Is Not Too Big to Jail (Disinfo Books, 2011), a companion to his latest film Plunder The Crime Of Our Time. He can be reached online at www.newsdissector.com.

The International Political Economy of Work and Employability

Author : P. Moore
Publisher : Springer
Page : 192 pages
File Size : 42,9 Mb
Release : 2010-08-17
Category : Political Science
ISBN : 9780230294431

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The International Political Economy of Work and Employability by P. Moore Pdf

International competition and skills shortages caused by technological advancement have raised entirely new issues for workers, not least how responsibility is increasingly being transferred to them. This book looks at how workers are expected to survive unstable job market conditions in three locations: the UK, Singapore, and South Korea.

Debt and Austerity

Author : Jodi Gardner,Mia Gray,Katharina Moser
Publisher : Edward Elgar Publishing
Page : 360 pages
File Size : 40,8 Mb
Release : 2020-11-27
Category : Law
ISBN : 9781839104350

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Debt and Austerity by Jodi Gardner,Mia Gray,Katharina Moser Pdf

This book explores the complex interactions between debt and austerity, analysing the social, economic, and legal implications of governments’ responses to the 2008 financial crisis.

The Political Economy of Britain in Crisis

Author : Christopher Kirkland
Publisher : Springer
Page : 207 pages
File Size : 45,7 Mb
Release : 2017-07-05
Category : Political Science
ISBN : 9783319592381

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The Political Economy of Britain in Crisis by Christopher Kirkland Pdf

This book explores two recent crises in British political economy: the crisis of 1976–9, for which the trade unions were impugned, and the 2007 economic crisis, for which bankers were (at least initially) blamed. The author argues that the “crisis resolution” of the former – principally the Thatcherite reforms of the 1980s – led to the emergence of the banking crisis. Further, Kirkland demonstrates how narratives of blame have emerged and were used in both instances to promote specific agendas. Narrations of blame and crises were used to curb the trade union powers in the 1980s, whilst the 2007 crisis was quickly reframed as one of excessive government spending, which in turn has led to policies of austerity.

The Routledge Handbook of Financial Geography

Author : Janelle Knox-Hayes,Dariusz Wójcik
Publisher : Taylor & Francis
Page : 648 pages
File Size : 45,5 Mb
Release : 2020-12-14
Category : Business & Economics
ISBN : 9781351119047

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The Routledge Handbook of Financial Geography by Janelle Knox-Hayes,Dariusz Wójcik Pdf

This handbook is a comprehensive and up to date work of reference that offers a survey of the state of financial geography. With Brexit, a global recession triggered by the COVID-19 pandemic, as well as new financial technology threatening and promising to revolutionize finance, the map of the financial world is in a state of transformation, with major implications for development. With these developments in the background, this handbook builds on this unprecedented momentum and responds to these epochal challenges, offering a comprehensive guide to financial geography. Financial geography is concerned with the study of money and finance in space and time, and their impacts on economy, society and nature. The book consists of 29 chapters organized in six sections: theoretical perspectives on financial geography, financial assets and markets, investors, intermediation, regulation and governance, and finance, development and the environment. Each chapter provides a balanced overview of current knowledge, identifying issues and discussing relevant debates. Written in an analytical and engaging style by authors based on six continents from a wide range of disciplines, the work also offers reflections on where the research agenda is likely to advance in the future. The book’s key audience will primarily be students and researchers in geography, urban studies, global studies and planning, more or less familiar with financial geography, who seek access to a state-of-the art survey of this area. It will also be useful for students and researchers in other disciplines, such as finance and economics, history, sociology, anthropology, politics, business studies, environmental studies and other social sciences, who seek convenient access to financial geography as a new and relatively unfamiliar area. Finally, it will be a valuable resource for practitioners in the public and private sector, including business consultants and policy-makers, who look for alternative approaches to understanding money and finance.

The Many Panics of 1837

Author : Jessica M. Lepler
Publisher : Cambridge University Press
Page : 357 pages
File Size : 42,5 Mb
Release : 2013-09-23
Category : Business & Economics
ISBN : 9780521116534

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The Many Panics of 1837 by Jessica M. Lepler Pdf

Reveals how people transformed their experiences of financial crisis into a single event that would serve as a turning point in American history.

Innovations in Social Work Research

Author : Louise Hardwick,Roger Smith,Aidan Worsley
Publisher : Jessica Kingsley Publishers
Page : 376 pages
File Size : 47,8 Mb
Release : 2015-09-21
Category : Social Science
ISBN : 9781784501457

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Innovations in Social Work Research by Louise Hardwick,Roger Smith,Aidan Worsley Pdf

A valuable reference to help practising researchers not only to understand but also to apply innovative approaches to social work research. Featuring extended case studies of actual research projects, the book provides an overview of a number of central features and qualities of social work research. It incorporates both distinctive methodological features, such as approaches to participatory inquiry, and provides accounts of researcher strategies to address particular challenges, such as carrying out studies with hard to reach populations. This book combines important methodological insights with pragmatic guidance on commonly experienced problems and how these challenges can be overcome. This is a key resource for social work and social care students, social work practitioners and academics engaged in research.

World Economic Outlook, April 2012

Author : International Monetary Fund. Research Dept.
Publisher : International Monetary Fund
Page : 299 pages
File Size : 47,9 Mb
Release : 2012-04-17
Category : Business & Economics
ISBN : 9781475507034

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World Economic Outlook, April 2012 by International Monetary Fund. Research Dept. Pdf

The April 2012 issue of the World Economic Outlook assesses the prospects for the global economy, which has gradually strengthened after a major setback during 2011. The threat of a sharp global slowdown eased with improved activity in the United States and better policies in the euro area. Weak recovery will likely resume in the major advanced economies, and activity will remain relatively solid in most emerging and developing economies. However, recent improvements are very fragile. Policymakers must calibrate policies to support growth in the near term and must implement fundamental changes to achieve healthy growth in the medium term. Chapter 3 examines how policies directed at real estate markets can accelerate the improvement of household balance sheets and thus support otherwise anemic consumption. Chapter 4 examines how swings in commodity prices affect commodity-exporting economies, many of which have experienced a decade of good growth. With commodity prices unlikely to continue growing at the recent elevated pace, however, these economies may have to adapt their fiscal and other policies to lower potential output growth in the future.

Household Debt and Economic Crises

Author : Heikki Hiilamo
Publisher : Edward Elgar Publishing
Page : 192 pages
File Size : 49,9 Mb
Release : 2018-08-31
Category : Business & Economics
ISBN : 9781785369872

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Household Debt and Economic Crises by Heikki Hiilamo Pdf

The trajectories of increasing household debt are studied in the contexts of the US and the UK, Germany, the Netherlands, Finland and Norway. Household Debt and Economic Crises examines remedies to prevent and alleviate the over-indebtedness epidemic, creating a conceptual framework with which to analyse the causes and consequences of debt. Hiilamo argues that social policies are needed to tackle the current borrowing crisis that endangers and prevents the full participation in society of individuals with excessive debts.

Law and Finance after the Financial Crisis

Author : Abdul Karim Aldohni
Publisher : Taylor & Francis
Page : 146 pages
File Size : 54,6 Mb
Release : 2016-12-19
Category : Business & Economics
ISBN : 9781317385585

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Law and Finance after the Financial Crisis by Abdul Karim Aldohni Pdf

The 2008 financial crisis has become one of the defining features of the twenty first century’s first decade. The series of events which unfolded in the aftermath of the crisis has exposed major structural flaws in many of the financial systems around the globe, triggering a global call for legal and regulatory reforms to address the problems that have been uncovered. This book deals with a neglected angle of the 2008 financial crisis looking in-depth at the implicit effects of the 2008 crisis on the UK financial market. The book considers new trends in finance which have emerged since the crisis as well as the challenges faced by some older practices in the UK financial markets. After providing a reflective account of the history of law and creditors in the UK the book investigates the proliferation of certain forms of financing that have recently become very visible parts of the UK financial market’s structure, such as high cost short term lending and peer to peer lending. It provides legal and economic accounts of these forms of alternative lending, charting their developments, current status and critically assesses their impact on the UK financial market. Also examined are the ongoing funding difficulties faced by Small and Medium Enterprises (SMEs) and the suitability of the UK current legal framework to support these institutions. The book goes on to look at the viability and safety of some other post crisis trends such as banks use of Contingent Convertible Bonds (CoCos) to improve their resilience.

The Coming First World Debt Crisis

Author : A. Pettifor
Publisher : Springer
Page : 190 pages
File Size : 41,9 Mb
Release : 2006-10-02
Category : Political Science
ISBN : 9780230236752

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The Coming First World Debt Crisis by A. Pettifor Pdf

In this book, Ann Pettifor examines the issues of debt affecting the 'first world' or OECD countries, looking at the history, politics and ethics of the coming debt crisis and exploring the implications of high international indebtedness for governments, corporations, households, individuals and the ecosystem.