Fringe Finance

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Fringe Finance

Rob Aitken
Fringe Finance Book PDF

Author : Rob Aitken
Publisher : Routledge
Page : 302 pages
File Size : 40,8 Mb
Release : 2015-02-11
Category : Political Science
ISBN : 9781317748366

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Fringe Finance by Rob Aitken Pdf

The most recent conversations about financial instability in International Political Economy have addressed the ongoing financial spasms of the past five years; a global financial spasm unleashed by the 2008 subprime debacle, ongoing Eurozone instability, and general price volatility in securities markets globally. Alongside and as part of these broader spasms, however, has been another key trend—the intensifying reach of global financial markets into and among those populations which live at its very edges. There are increasing, and increasingly profitable, experiments which are explicitly targeted to those without regular access to full or formalized financial practices. This book places the practices of fringe finance in critical context by situating them within a larger set of discussions in the field. Most importantly, this book is part of a much broader attempt in IPE to rethread the study of finance to questions of cultural and social theory in a meaningful manner. Finance is increasingly subjected to innovative forms of social inquiry influenced by a range of diverse methods including governmentality, actor-network theory and cultural economy. By drawing on several strands of social theory, this book contributes to this broader movement in IPE and helps open more space for the continuation of these interdisciplinary conversations. This work will be of great interest to students and scholars of IPE, development studies and economic sociology.

Fringe Finance

Rob Aitken
Fringe Finance Book PDF

Author : Rob Aitken
Publisher : Routledge
Page : 256 pages
File Size : 53,5 Mb
Release : 2015-02-11
Category : Political Science
ISBN : 9781317748373

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Fringe Finance by Rob Aitken Pdf

The most recent conversations about financial instability in International Political Economy have addressed the ongoing financial spasms of the past five years; a global financial spasm unleashed by the 2008 subprime debacle, ongoing Eurozone instability, and general price volatility in securities markets globally. Alongside and as part of these broader spasms, however, has been another key trend—the intensifying reach of global financial markets into and among those populations which live at its very edges. There are increasing, and increasingly profitable, experiments which are explicitly targeted to those without regular access to full or formalized financial practices. This book places the practices of fringe finance in critical context by situating them within a larger set of discussions in the field. Most importantly, this book is part of a much broader attempt in IPE to rethread the study of finance to questions of cultural and social theory in a meaningful manner. Finance is increasingly subjected to innovative forms of social inquiry influenced by a range of diverse methods including governmentality, actor-network theory and cultural economy. By drawing on several strands of social theory, this book contributes to this broader movement in IPE and helps open more space for the continuation of these interdisciplinary conversations. This work will be of great interest to students and scholars of IPE, development studies and economic sociology.

City of Debtors

Anne Fleming
City of Debtors Book PDF

Author : Anne Fleming
Publisher : Harvard University Press
Page : 318 pages
File Size : 51,7 Mb
Release : 2018-01-08
Category : History
ISBN : 9780674982055

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City of Debtors by Anne Fleming Pdf

Since the 1890s, people on the lowest rungs of the economic ladder in the U.S. have paid the highest price for credit. Anne Fleming tells how each generation has tackled the problem of fringe finance and its regulation. Her detailed work contributes to the broader, ongoing debate about the meaning of justice within capitalistic societies.

Fringe Banking in Winnipeg's North End

Jerry Buckland,Thibault Martin,Canadian Centre for Policy Alternatives
Fringe Banking in Winnipeg s North End Book PDF

Author : Jerry Buckland,Thibault Martin,Canadian Centre for Policy Alternatives
Publisher : Canadian Centre Policy Alternatives
Page : 55 pages
File Size : 40,5 Mb
Release : 2005
Category : Check cashing services
ISBN : 9780886274283

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Fringe Banking in Winnipeg's North End by Jerry Buckland,Thibault Martin,Canadian Centre for Policy Alternatives Pdf

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.

The Global Financial Crisis and Its Aftermath

A.G. Malliaris,Leslie Shaw,Hersh Shefrin
The Global Financial Crisis and Its Aftermath Book PDF

Author : A.G. Malliaris,Leslie Shaw,Hersh Shefrin
Publisher : Oxford University Press
Page : 400 pages
File Size : 50,5 Mb
Release : 2016-09-06
Category : Political Science
ISBN : 9780199386246

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The Global Financial Crisis and Its Aftermath by A.G. Malliaris,Leslie Shaw,Hersh Shefrin Pdf

In The Global Financial Crisis, contributors argue that the complexity of the Global Financial Crisis challenges researchers to offer more comprehensive explanations by extending the scope and range of their traditional investigations. To achieve this, the volume views the financial crisis simultaneously through three different lenses---economic, psychological, and social values. Contributors offer a constructive methodology suitable for exploring financial crises. They recognize how current economic analysis did not prepare academic economists, business economists, traders, and regulators to anticipate economic and financial crises. So, they search more extensively within the broader discipline of economics for ideas related to crises but neglected perhaps because they were not mathematically rigorous. They affirm that the complexity of financial crises necessitates complementary research. Thus, to put the focal purpose of this book differently, they explore the Global Financial Crisis from three interconnected frameworks: the standards of orthodox economic analysis, Minskyan economics, and the role of ideas and values in economics. Values are the subject of both philosophy and psychology and can contribute to a better understanding of the Global Financial Crisis. Values, in general, have been relatively neglected by economists. This is not because there is doubt about their significance, but rather because welfare economics and collective choice still operate within the neoclassical paradigm. This volume argues that analyzing the value implications requires moving from the neoclassical framework to something that is broader and multidisciplinary.

Taming the Fringe

Craig McMahon
Taming the Fringe Book PDF

Author : Craig McMahon
Publisher : Springer Nature
Page : 243 pages
File Size : 52,6 Mb
Release : 2021-04-09
Category : Business & Economics
ISBN : 9783030706159

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Taming the Fringe by Craig McMahon Pdf

Taming the Fringe analyses the regulation and evolution of two credit products that were, and remain, vital to the working poor. Policymakers have struggled with pawnbroking and moneylending because they raise broader issues pertaining to poverty, capitalism and financial regulation. The values of easily accessible credit and financial independence compete with society’s desire to protect people from predatory loans. Policymakers have pondered whether regulation can lower costs without reducing access for those most in need of small cash loans. Can government policy protect borrowers while also providing sufficient profit for lenders? The many attempts at doing so reveal the difficulty of safeguarding the needs of people who have experienced financial trouble before seeking a loan. Taming the Fringe is the first extended study of the payday lending and pawnbroking markets in Britain, and the only one to examine over 160 years of financial results and market data. This work explains why small-value lenders have generated such passionate debate, even being described as the devil incarnate. It adds to our knowledge of fringe banking and the evolving role of financial regulation to protect the working poor. Since 1870, pawnbrokers and moneylenders have actively shaped regulation – a viewpoint the existing literature does not address adequately. This work contributes to the scholarly and policy dialogue on financial inclusion, working-class poverty and the development and legitimacy of fringe lending. This book analyses the motivation, content and outcome of critical regulatory episodes that have shaped fringe banking. While historians have written volumes about consumer credit, few have analysed why elite policymakers have sought to protect the working poor from some credit markets. This work demonstrates that, across time, conflicting views on poverty and liberal economic theory have, to varying degrees, influenced how the government has protected the working poor, and will be of interest to financial and economic historians.

The Everyday Life of Global Finance

Paul Langley
The Everyday Life of Global Finance Book PDF

Author : Paul Langley
Publisher : OUP Oxford
Page : 316 pages
File Size : 55,9 Mb
Release : 2008-05-08
Category : Business & Economics
ISBN : 9780191553134

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The Everyday Life of Global Finance by Paul Langley Pdf

In the US and UK, saving and borrowing routines have changed radically and become closely bound-up with the capital markets of global finance. As mutual funds have increased in popularity and pension provision has been transformed, many more individuals and households have come to invest in stocks and shares. As consumer borrowing has risen dramatically and mortgage finance has been extended to those deemed sub-prime, so the repayments of credit card holders and mortgagors have provided the basis for the issue and trading of bonds and other market instruments. The Everyday Life of Global Finance explores the unprecedented relationships that now bind society and the markets, challenging the dominant tendency to simply position recent developments in Wall Street and the City of London at the centre of contemporary finance. Grounded in literature from the sociology of finance and international political economy, drawing on the social theory of Callon, Foucault, and Latour, and informed by extensive empirical research, the book shows how global finance has become mundane and ordinary in Anglo-America. Finance is not 'out there somewhere', but is embedded in the calculative technologies and performances of reconfigured saving and borrowing networks, and is embodied through the assembly of everyday financial identities and self-disciplines. Society's new-found relationships with the financial markets are also shown, however, to be marked by stark inequalities, manifest contradictions, and political dissent. The Everyday Life of Global Finance is thus an ambitious and innovative contribution to our understanding of the contemporary financial world.

Hard Choices

Jerry Buckland
Hard Choices Book PDF

Author : Jerry Buckland
Publisher : University of Toronto Press
Page : 289 pages
File Size : 44,6 Mb
Release : 2012-03-30
Category : Business & Economics
ISBN : 9781442612525

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Hard Choices by Jerry Buckland Pdf

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.

Taming the Fringe

Craig McMahon
Taming the Fringe Book PDF

Author : Craig McMahon
Publisher : Palgrave Macmillan
Page : 234 pages
File Size : 40,9 Mb
Release : 2021-05-13
Category : Business & Economics
ISBN : 3030706141

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Taming the Fringe by Craig McMahon Pdf

Taming the Fringe analyses the regulation and evolution of two credit products that were, and remain, vital to the working poor. Policymakers have struggled with pawnbroking and moneylending because they raise broader issues pertaining to poverty, capitalism and financial regulation. The values of easily accessible credit and financial independence compete with society’s desire to protect people from predatory loans. Policymakers have pondered whether regulation can lower costs without reducing access for those most in need of small cash loans. Can government policy protect borrowers while also providing sufficient profit for lenders? The many attempts at doing so reveal the difficulty of safeguarding the needs of people who have experienced financial trouble before seeking a loan. Taming the Fringe is the first extended study of the payday lending and pawnbroking markets in Britain, and the only one to examine over 160 years of financial results and market data. This work explains why small-value lenders have generated such passionate debate, even being described as the devil incarnate. It adds to our knowledge of fringe banking and the evolving role of financial regulation to protect the working poor. Since 1870, pawnbrokers and moneylenders have actively shaped regulation – a viewpoint the existing literature does not address adequately. This work contributes to the scholarly and policy dialogue on financial inclusion, working-class poverty and the development and legitimacy of fringe lending. This book analyses the motivation, content and outcome of critical regulatory episodes that have shaped fringe banking. While historians have written volumes about consumer credit, few have analysed why elite policymakers have sought to protect the working poor from some credit markets. This work demonstrates that, across time, conflicting views on poverty and liberal economic theory have, to varying degrees, influenced how the government has protected the working poor, and will be of interest to financial and economic historians.

Innovations in Social Finance

Thomas Walker,Jane McGaughey,Sherif Goubran,Nadra Wagdy
Innovations in Social Finance Book PDF

Author : Thomas Walker,Jane McGaughey,Sherif Goubran,Nadra Wagdy
Publisher : Springer Nature
Page : 524 pages
File Size : 51,5 Mb
Release : 2021-07-29
Category : Business & Economics
ISBN : 9783030725358

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Innovations in Social Finance by Thomas Walker,Jane McGaughey,Sherif Goubran,Nadra Wagdy Pdf

Our world is experiencing increasingly complex social and environmental challenges. The prevailing business models and, to some extent, capitalism per se, are frequently blamed for these problems due to their neglect of social and environmental values in favour of financial returns. Within this context, social finance has attracted the attention of governments, organizations, entrepreneurs, and researchers as a means of mobilizing resources and innovation with the goal of establishing effective long-term solutions. This edited collection summarizes, discusses, and analyzes new innovative trends in social finance. It features contributions that aim to highlight emerging trends (products, tools, and processes) in social finance, present a series of case studies related to the development, deployment, and scaling of social finance innovations, offer an understanding of how non-economic externalities are being incorporated, managed, and assessed in recent innovations, reveal the disruptive potential of social finance innovations by analyzing how they are redefining mainstream finance, analyze the scales – of operation and impact – of different innovations, and explore the complex relationship between social finance and social innovation. Featuring contributions from both the research and practitioner community as well as policy actors, the book provides more than a snapshot of the current social finance field by specifically highlighting the major challenges and difficulties that require the urgent attention of policymakers and social entrepreneurs.

Between Truth and Power

Julie E. Cohen
Between Truth and Power Book PDF

Author : Julie E. Cohen
Publisher : Oxford University Press
Page : 368 pages
File Size : 43,8 Mb
Release : 2019-09-02
Category : Law
ISBN : 9780190246716

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Between Truth and Power by Julie E. Cohen Pdf

A work of ambitious interdisciplinary scholarship that explores the ways that law and technology interact. Our current legal system is to a great extent the product of an earlier period of social and economic transformation. From the late nineteenth century through the mid-twentieth century, as accountability for industrial-age harms became a pervasive source of conflict, the US legal system underwent profound, tectonic shifts. Today, struggles over ownership of information-age resources and accountability for information-age harms are producing new systemic changes. In Between Truth and Power, Julie E. Cohen explores the relationships between legal institutions and political and economic transformation. Systematically examining struggles over the conditions of information flow and the design of information architectures and business models, she argues that as law is enlisted to help produce the profound economic and sociotechnical shifts that have accompanied the emergence of the informational economy, it is too is transforming in fundamental ways. Drawing on elements from legal theory, science and technology studies, information studies, communication studies and organization studies to develop a complex theory of institutional change, Cohen develops an account of the gradual emergence of legal institutions adapted to the information age and of the power relationships that such institutions reflect and reproduce. A tour de force of ambitious interdisciplinary scholarship, Between Truth and Power will transform our thinking about the possible futures of law and legal institutions in the networked information era.

Public Finance Administration

B. J. Reed,John W. Swain
Public Finance Administration Book PDF

Author : B. J. Reed,John W. Swain
Publisher : SAGE Publications
Page : 391 pages
File Size : 51,7 Mb
Release : 1996-12-19
Category : Business & Economics
ISBN : 9781452215372

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Public Finance Administration by B. J. Reed,John W. Swain Pdf

A unique, clearly written, and logically organized volume, Public Finance Administration, Second Edition provides a comprehensive focus on the management of public funds. Ideal for the nonexpert with a public administration background, this easy-to-read new edition is updated in content and examples. Authors B. J. Reed and John W. Swain begin with a broad introduction to public finance administration, including its relationship to public budgeting, the practice of public sector accounting, and the economic concepts of money and value. Next, they cover revenues and expenditures, including how they are administered and the importance of forecasting and cost analysis. Later chapters deal with such technical areas as managing cash flow, investment, debts, risk, purchasing, capital budgets, and the financial components of human resource management. The volume includes a look at the evaluative side of public finance such as auditing, assessing financial conditions, and the emerging use of development finance. In addition, the authors point to relevant web sites on the Internet for more information on public finance administration. Filling a need for courses in public finance administration, this volume provides a public administration based approach to the subject with a highly practical orientation.

Introduction to Personal Finance

John E. Grable,Lance Palmer
Introduction to Personal Finance Book PDF

Author : John E. Grable,Lance Palmer
Publisher : John Wiley & Sons
Page : 642 pages
File Size : 42,5 Mb
Release : 2024-02-21
Category : Business & Economics
ISBN : 9781394244003

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Introduction to Personal Finance by John E. Grable,Lance Palmer Pdf

Every financial decision we make impacts our lives. Introduction to Personal Finance: Beginning Your Financial Journey, 3rd Edition is designed to help students avoid early financial mistakes and provide the tools needed to secure a strong foundation for the future. Using engaging visuals and a modular approach, instructors can easily customize their course with topics that matter most to their students. This course empowers students to define their personal values and make smart financial decisions that help them achieve their goals.

The Finance of British Industry, 1918-1976

W.A. Thomas
The Finance of British Industry 1918 1976 Book PDF

Author : W.A. Thomas
Publisher : Routledge
Page : 376 pages
File Size : 44,7 Mb
Release : 2013-11-05
Category : Business & Economics
ISBN : 9781136587900

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The Finance of British Industry, 1918-1976 by W.A. Thomas Pdf

How has British industry financed itself in the past? With the current debate on industry's financial strategy, this study of the past sixty years is a particularly timely contribution to the discussions on the future financing of industry. This book gives, for the inter-war years, a detailed examination of the main sources of funds, covering long-term and short-term funding. It also traces the transition in the new issue market and explores the course of firms' own internal funds, and ends his coverage of the pre-war years with a chapter on the Macmillan Gap. Dr Thomas puts particular emphasis on the influence of government policy on the financing of industry in post-war Britain. He also explains the effects the new sources of finance have had on industry and the major public corporations. His last chapter surveys the later developments in the main sources and uses of funds and the factors responsible for them, and includes an illuminating comparison of financial practices in some of the major overseas industrial countries. Dr. Thomas has written a clear and objective account describing the trends in finance since the First World War. His notably well-documented book is an essential reference work.

Fundamentals of Public Budgeting and Finance

Aman Khan
Fundamentals of Public Budgeting and Finance Book PDF

Author : Aman Khan
Publisher : Springer Nature
Page : 438 pages
File Size : 51,9 Mb
Release : 2019-11-12
Category : Law
ISBN : 9783030192266

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Fundamentals of Public Budgeting and Finance by Aman Khan Pdf

Budgeting is probably the single most important function in government, considering the amount of money a government spends each year on various expenditure programs and activities, as well as the time it spends in preparing the budget, appropriating funds for these activities and, finally, executing them. This book integrates the complex theory and practice of public budgeting into a single text. Written in a simple, concise and easy to understand manner, The Fundamentals of Public Budgeting and Finance captures the multidimensional perspective of public budgeting that students, as well as practitioners will find useful.