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Credit Unions and the Poverty Challenge by Bernd Balkenhol Pdf
Reviews experiences of refinancing credit unions in several developing countries. Examines their capacity to increase members' shares or mobilize deposits, how refinancing facilities have influenced the quality of the loan portfolio, whether external credit lines have enhanced their profitability, and whether debt finance has led to sustained growth and better outreach to the poor. Includes an agenda for action.
Credit Cooperative Institutions in European Countries by Simeon Karafolas Pdf
This book offers a comparative analysis of credit cooperative systems across 23 European countries. Cooperative banking has an important place in the financial, economic and social life of most European countries, and while cooperative banks, credit mutuals, credit cooperatives and credit unions share the spirit of cooperation and mutuality, they often have very different features, history and development. The book examines the evolution and current model of each credit cooperative system, its importance for the national and local banking markets, as well as the impact of the financial crisis on cooperative banking, and also presents the sharp contrasts between these systems throughout the EU. It is of significant scientific and practical interest and enables policymakers, practitioners and academics at European and national levels to deepen their understanding of the evolution of the system and its governance.
Does the search for meaning in work matter? - and is it even possible to ask such a question against a backdrop of mass youth unemployment, widespread poverty and growing inequality? Drawing on the experience of the Mondragon co-operatives in Spain and other innovative models of employment and enterprise from around the world - and the visions and values derived from his faith - Chris Beales explores how 'work' might be humanised and education and employment made not only responsive to what the Economy needs but also purposeful, satisfying and rewarding for people. "Chris Beales is, in equal part, activist, campaigner and theologian. He is also a classic example of what Antonio Gramsci famously described as the 'organic intellectual': his work is important, and should be read by policymakers, practitioners and others concerned with promoting social justice." From the Foreword by Prof Robin Simmons, Professor of Education, University of Huddersfield.
The Economics of Financial Cooperatives by Amr Khafagy Pdf
Building on theories of finance and distribution, and the political economy of finance, this book explains the influence of financial cooperatives on wealth and income distribution, and institutional factors that determine the development of financial cooperatives. The book discusses the dynamics of income and wealth distribution with and without financial cooperatives, and defines the economic objective for financial cooperatives. Through explaining the influence of political institutions and regulations on the development of financial cooperatives, this book examines why financial cooperatives grew in some emerging economies and not in other similar ones. The book is of interest to scholars interested in financial economics, political economy of finance, alternative banking and development finance, and banking regulation. The book also gives valuable output to central bankers and financial and monetary policy makers in underdeveloped economies. In addition, it will be of particular interest to practitioners in international development institutions, especially those engaged in development finance and rural finance.
International Business Ethics by Stephan Rothlin,Dennis McCann Pdf
This book addresses an essential need felt by many who seek to promote best business practices in China and East Asia – namely the need for culturally appropriate instructional materials (basic information, case studies and ethical perspectives) that will allow managers and entrepreneurs to understand and embrace the challenge of moral leadership in business. In an era characterized by globalization and the increasing importance of the economies of China, India, Japan and SE Asia, international business ethics must reflect the concerns of the people living and working in this area, the moral and spiritual traditions that have nurtured them and their specific contributions to sustainable development. This book presents twenty important case studies, taken from newsworthy events of the past few years, in which Asians and others have attempted to respond to this challenge. Each case study has been selected and shaped in order to highlight various aspects of doing business in Asia, starting with basic principles and moving on to the specific responsibilities that businesses have towards their various stakeholders. The authors contend that the best way to appreciate the relevance of Asian moral and spiritual traditions is to determine their specific contribution to virtue ethics, where the ancient traditions of both East and West converge in their focus on the qualities of moral leadership that form the basis of best business practice. Exploring the case studies will enable readers to appreciate the continued relevance of these ethical perspectives in Asian business. Best business practice clearly involves learning to do business and playing the game according to the rules; but the necessity of playing by the rules is not likely to become clear until one takes up the path that leads to a virtuous life in business, developing a moral character chiefly based on integrity.
Financing Low Income Communities by Julia Sass Rubin Pdf
Access to capital and financial services is crucial for healthy communities. However, many impoverished individuals and neighborhoods are routinely ignored by mainstream financial institutions. This neglect led to the creation of community development financial institutions (CDFIs), which provide low-income communities with financial services and act as a conduit to conventional financial organizations and capital markets. Edited by Julia Sass Rubin, Financing Low-Income Communities brings together leading experts in the field to assess what we know about the challenges of bringing financial services and capital to poor communities, map out future lines of research, and propose policy reforms to make these efforts more effective. The contributors to Financing Low-Income Communities distill research on key topics related to community development finance. Daniel Schneider and Peter Tufano examine the obstacles that make saving and asset accumulation difficult for low-income households—such as the fact that tens of millions of low-income and minority adults don't have a bank account—and consider solutions, like making it easier for low-wage workers to enroll in 401(K) plans. Jeanne Hogarth, Jane Kolodinksy, and Marianne Hilgert review evidence showing that community-based financial education programs can be effective in changing families' saving and budgeting patterns. Lisa Servon proposes strategies for addressing the challenges facing the microenterprise field in the United States. Julia Sass Rubin discusses ways community loan and venture capital funds have adapted in response to the decreased availability of funding, and considers potential sources of new capital, such as state governments and public pension funds. Marva Williams explores the evolution and recent performance of community development banks and credit unions. Kathleen Engel and Patricia McCoy document the proliferation of predatory lenders, who market loans at onerous interest rates to financially vulnerable families and the devastating effects of such lending on communities—from increased crime to falling home values and lower tax revenues. Rachel Bratt reviews the policies and programs used to make rental and owned housing financially accessible. Rob Hollister proposes a framework for evaluating the contributions of community development financial institutions. Despite the many accomplishments of CDFIs over the last four decades, changing political and economic conditions make it imperative that they adapt in order to survive. Financing Low-Income Communities charts out new directions for public and private organizations which aim to end the financial exclusion of marginalized neighborhoods.
Socially Responsible Investment Law by Benjamin J Richardson Pdf
Environmental harm is commonly associated with companies that extract, consume, and pollute our shared natural resources. Rarely are the 'unseen polluters,' the financiers that sponsor and profit from eco-damaging corporations, placed at the forefront of the environmental debate. By focusing on these unseen polluters, Benjamin Richardson provides a comprehensive examination of socially responsible investment (SRI), and offers a guide to possible reform. Richardson proposes that greater regulatory supervision of SRI will help ensure that the financial sector prioritizes ethically-based investments. In Socially Responsible Investment Law, he suggests that new governmental reforms should encourage companies to participate in socially responsible investments by providing a better mix of standards and incentives for SRI through measures that include redefining the fiduciary responsibilities of institutional investors to incorporate environmental concerns. By doing so, Richardson posits that corporate financiers, including banks, hedge funds, and pension plans, will become more accountable to the goals of ensuring sustainable development.
Handbook of Development Policy by Habib, Zafarullah,Huque, Ahmed S. Pdf
This authoritative Handbook provides a thorough exploration of development policy from both scholarly and practical perspectives and offers insights into the policy process dynamics and a range of specific policy issues, including corruption and network governance.
Access to Financial Services in Brazil by Anjali Kumar Pdf
There is an increasing awareness that access to financial services can contribute to economic growth and poverty reduction. This study focuses on the delivery of financial services in Brazil, one of the world's most important emerging financial markets. It examines different aspects of financial service provision, and explores approaches to address problems of financial exclusion. Topics discussed include: microfinance schemes; private banking; rural finance systems; institutional infrastructure; and the role of government policy.
Author : David M. Dror,Alexander S. Preker Publisher : World Bank Publications Page : 548 pages File Size : 54,9 Mb Release : 2002-01-01 Category : Business & Economics ISBN : 0821350412
Social Reinsurance by David M. Dror,Alexander S. Preker Pdf
Annotation This volume views community-based microinsurance as an incremental first step to improved financial protection and better access to health services for the poor. While community-based financing can be structured in various ways, this volume focuses on reinsurance as a mechanism for improving micro-level health insurance units. It outlines strategies and policies that can be applied by countries and donors to improve access to health care services.
The Role of Strategic Planning On Enhancing Investment in Public Transport Saccos in Kenya by Nickson Moseti Ongaki,Enock Mauthia Otundo Pdf
This study will seek to find out the effects of strategic planning on enhancing investments in public transport Saccos in Kenya. The study will also seek to find out recent changes in operation of public transport in Kenya for example new vehicles on the road, new safety rules and the registration of co-operative societies to replace the Matatu Welfare Associations in a new development which started from early 1990s. Cooperatives are economic units by which members mobilize their financial resources through savings. It is estimated that this sector contributes about 20% to the gross Domestic Product. Although this sector is considered both economically and socially important, sectoral report indicates that nearly 2% of savings and Credit Cooperative Societies (SACCOs) collapse every year and about 6% of registered members withdraw their membership annually. Some SACCOs pay dividends which are as low as 3.5%. It is not clear why there is a deteriorating trend in most of the societies despite governments financial regulations being in operation since 2004 that were meant to help SACCOs achieve sustainability through growth and financial stability. The objective of this study was to assess the effect of governments financial regulations on investment performance in SACCOs in Nairobi County. The study adopted descriptive research design and purposive sampling method. The research adopted a self administered questionnaire which was used to collect quantitative data. The study units comprised 104 sacco societies of public transport in Nairobi County. The questionnaire was designed based on a Five Lickert scale. However, only 95 Saccos were actively in operation. The other 9 were either dormant or inactive. Therefore, 87 Saccos were randomly sampled and studies. The findings show that government financial regulations have been moderately regulated with a weighted mean of 2.805. Concerning the approval of maximum borrowing powers by members, a weighted mean score of 3.816 on the scale was posted. It is therefore expected that with this large extent of implementation of this regulation, Saccos will have a strong financial stability since they will have fewer loans to service. The study also found out that performance of Saccos in terms of efficient and prompt disbursement of loans is quite wanting with a weighted mean score 2.0919. Key recommendations were to the Ministry of Co-operative Development to mobilize resources to educate the members and management committees of the societies for better performance, and adherence to the regulations laid down by the government.
Challenging health inequalities by Dowler, Elizabeth,Spencer, Nick J. Pdf
This book offers a unique multi-disciplinary perspective on tackling health inequalities in a rich country, examining the New Labour policy agenda for tackling health inequalities and its inherent challenges. The book presents an overview of progress since the publication of the seminal and ambitious 1998 Acheson Inquiry into health inequalities, and the theoretical and methodological issues underpinning health inequalities. The contributors consider the determinants of inequality - for example, early childhood experience and ethnicity - the factors that mediate the relationship between determinants and health - nutrition, housing and health behaviour - and the sectoral policy interventions in user involvement, local area partnership working and social work. Challenging health inequalities offers a combination of broad analysis of progress from differing perspectives and will be key reading to academics, students and policy makers.
Challenging the Injustice of Poverty by Rehman Sobhan Pdf
This book explores issues related to poverty in South Asia in a two-pronged manner—by focusing on injustice created and perpetuated by the unjust nature of a social order as its source and by providing concrete suggestions about how policymakers may move to challenge these injustices. Drawing on research inputs from studies across various South Asian countries, the book redefines poverty as a process which excludes certain segments of the society from equitable participation in development opportunities as well as decision-making. It further identifies a variety of operational ideas which can be used by policymakers, political activists, and civil society advocacy groups committed to build a more just, inclusive and poverty free society in South Asia.