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Books > Money & Finance > Credit & credit institutions

Place, Exclusion, and Mortgage Markets (Paperback): MB Aalbers Place, Exclusion, and Mortgage Markets (Paperback)
MB Aalbers
R666 Discovery Miles 6 660 Ships in 12 - 19 working days

Utilizing research from the U.S., Italy, and the Netherlands, Place, Exclusion and Mortgage Markets presents an in depth examination of the practice of redlining and the broader implications of contemporary urban exclusion processes. * Covers exclusion in mortgage markets in three different countries - the U.S., Italy, and the Netherlands * Presents an interdisciplinary perspective to the practice of redlining * Connects the literature on social exclusion and financial exclusion

Credit Rating Agencies - Self-regulation, Statutory Regulation and Case Law Regulation in the United States and European Union... Credit Rating Agencies - Self-regulation, Statutory Regulation and Case Law Regulation in the United States and European Union (Hardcover, 2015 ed.)
Mohammed Hemraj
R1,551 Discovery Miles 15 510 Ships in 10 - 15 working days

The book examines the role of credit rating agencies (CRAs) in the subprime mortgage crisis. The CRAs are blamed for awarding risky securities '3-A' investment grade status and then failing to downgrade them quickly enough when circumstances changed, which led to investors suffering substantial losses. The causes identified by the regulators for the gatekeeper failure were conflicts of interest (as the issuers of these securities pay for the ratings); lack of competition (as the Big Three CRAs have dominated the market share); and lack of regulation for CRAs. The book examines how the regulators, both in the US and EU, have sought to address these problems by introducing soft law self-regulation in accordance with the International Organisation of Securities Commissions Code and hard law statutory regulation, such as that found in the "Reform Act" and "Dodd-Frank Act" in the US and similar provisions in the EU. The highly topical book examines these provisions in detail by using a doctrinal black-letter law method to assess the success of the regulators in redressing the problems identified. It also examines the US case law regulation relating to the legal liability of CRAs. The book examines whether the regulations introduced have had a deterrent effect on the actions of CRAs, whether investors are compensated for their losses, and how the regulators have dealt with the issues of conflicts of interest and an anti-competitive environment. Should liability be introduced for CRAs through changes in the law so as to compel them to issue reliable ratings and solve the current problems? The book seeks to simplify the complex issues involved and is backed by concrete evidence; as such, it will appeal to both the well-informed and the lay general public who are interested in learning more about the role of CRAs in the sub-prime mortgage crisis and regulators' attempts to remedy the situation. Novice readers can familiarise themselves with the legal and financial terminology used by referring to the glossary at the end of the book.

Understanding Credit Derivatives and Related Instruments (Hardcover, 2nd edition): Antulio N Bomfim Understanding Credit Derivatives and Related Instruments (Hardcover, 2nd edition)
Antulio N Bomfim
R2,080 Discovery Miles 20 800 Ships in 12 - 19 working days

Understanding Credit Derivatives and Related Instruments, Second Edition is an intuitive, rigorous overview that links the practices of valuing and trading credit derivatives with academic theory. Rather than presenting highly technical explorations, the book offers summaries of major subjects and the principal perspectives associated with them. The book's centerpiece is pricing and valuation issues, especially valuation tools and their uses in credit models. Five new chapters cover practices that have become commonplace as a result of the 2008 financial crisis, including standardized premiums and upfront payments. Analyses of regulatory responses to the crisis for the credit derivatives market (Basel III, Dodd-Frank, etc.) include all the necessary statistical and mathematical background for readers to easily follow the pricing topics. Every reader familiar with mid-level mathematics who wants to understand the functioning of the derivatives markets (in both practical and academic contexts) can fully satisfy his or her interests with the comprehensive assessments in this book.

The Micro-politics of Microcredit - Gender and Neoliberal Development in Bangladesh (Hardcover): Mohammad Jasim Uddin The Micro-politics of Microcredit - Gender and Neoliberal Development in Bangladesh (Hardcover)
Mohammad Jasim Uddin
R4,481 Discovery Miles 44 810 Ships in 12 - 19 working days

Microcredit has been seen in recent decades as having great potential for aiding development in poor developing countries, with Bangladesh being one of the countries which has pioneered microcredit and implemented it most widely. This book, based on extensive original research, explores how microcredit works in practice, and assesses its effectiveness. It discusses how microcredit, usually channelled through women, is often passed to the men of the family, a practice disapproved of by some, but regarded as acceptable by borrowers who have a communal approach to debt, rather than viewing debt as something held by single individuals. The book demonstrates how the rules around microcredit are often seem as irksome by the borrowers, how lenders often charge high rates of interest and work primarily to preserve their institutions, thereby going against the spirit of the microcredit movement, and how borrowers often end up on a downward spiral, deeper and deeper in debt. Overall, the book argues that although microcredit does much good, it also has many drawbacks.

The Foundations of Credit Risk Analysis (Hardcover, illustrated edition): Willi Semmler, Lucas Bernard The Foundations of Credit Risk Analysis (Hardcover, illustrated edition)
Willi Semmler, Lucas Bernard
R7,623 Discovery Miles 76 230 Ships in 12 - 19 working days

The explosive growth of the credit risk industry is symbolic not only of the rapid expansion of finance into new and global markets, but is also representative of a widespread shift. The securitization of risk and, in particular, its transfer through the resulting credit derivatives, has dramatically changed the ways in which both the world economy and the finance industry work. This authoritative collection of key papers provides an overview of the subject from its beginnings through to current scholarship in this area. While the experienced investigator will find this anthology a convenient collection of essential papers, the student new to the field will be quickly taken to the front lines of research. Consequently, this collection will be of interest to historians, researchers, and students.

Debtfare States and the Poverty Industry - Money, Discipline and the Surplus Population (Paperback): Susanne Soederberg Debtfare States and the Poverty Industry - Money, Discipline and the Surplus Population (Paperback)
Susanne Soederberg
R1,435 Discovery Miles 14 350 Ships in 12 - 19 working days

WINNER of the BISA IPEG Book Prize 2015 http://www.bisa-ipeg.org/ipeg-book-prize-2015-winner-announced/ Under the rubric of 'financial inclusion', lending to the poor -in both the global North and global South -has become a highly lucrative and rapidly expanding industry since the 1990s. A key inquiry of this book is what is 'the financial' in which the poor are asked to join. Instead of embracing the mainstream position that financial inclusion is a natural, inevitable and mutually beneficial arrangement, Debtfare States and the Poverty Industry suggests that the structural violence inherent to neoliberalism and credit-led accumulation have created and normalized a reality in which the working poor can no longer afford to live without expensive credit. The book further transcends economic treatments of credit and debt by revealing how the poverty industry is extricably linked to the social power of money, the paradoxes in credit-led accumulation, and 'debtfarism'. The latter refers to rhetorical and regulatory forms of governance that mediate and facilitate the expansion of the poverty industry and the reliance of the poor on credit to augment/replace their wages. Through a historically grounded analysis, the author examines various dimensions of the poverty industry ranging from the credit card, payday loan, and student loan industries in the United States to micro-lending and low-income housing finance industries in Mexico. Providing a much-needed theorization of the politics of debt, Debtfare States and the Poverty Industry has wider implications of the increasing dependence of the poor on consumer credit across the globe, this book will be of very strong interest to students and scholars of Global Political Economy, Finance, Development Studies, Geography, Law, History, and Sociology. The Open Access version of this book, available at http://www.taylorfrancis.com/books/e/9781315761954, has been made available under a Creative Commons Attribution-Non Commercial-No Derivatives 4.0 license. https://www.youtube.com/watch?v=2lU6PHjyOzU

Microcredit and Women's Empowerment - A Case Study of Bangladesh (Paperback): Aminul Faraizi, Taskinur Rahman, Jim... Microcredit and Women's Empowerment - A Case Study of Bangladesh (Paperback)
Aminul Faraizi, Taskinur Rahman, Jim McAllister
R1,481 Discovery Miles 14 810 Ships in 12 - 19 working days

Using a case study of Bangladesh, and based on a long term participatory observation method, this book investigates claims of the success of microcredit, as well as the critiques of it, in the context of women's empowerment. It confronts the distinction between women's increasing wealth as a consequence of the success of microcredit programmes and their apparent non-commensurate empowerment, looking at two organisations (the Grameen Bank and the Bangladesh Rural Advancement Committee) as they operate in two localities in rural Bangladesh, in order to discover how enrichment and empowerment are often confused. The book goes on to establish that the well-publicised success stories of the microcredit programme are blown out of proportion, and that the dynamics of collective responsibility for repayment of loans by a group of women borrowers - usually seen to be a tool for the success of microcredit - is in fact no less repressive than traditional debt collectors. This book makes a contribution to development debates; challenging adherents to more closely specify those conditions under which microcredit does indeed have validity, as well as providing insights relevant to South Asian Studies and Development Studies.

Finance - The Basics (Paperback, 4th edition): Erik Banks Finance - The Basics (Paperback, 4th edition)
Erik Banks
R694 Discovery Miles 6 940 Ships in 9 - 17 working days

A clear and accessible guide to finance, which provides the ideal introduction for the non-specialist. Packed with examples and case studies, the book features numerous real-world demonstrations of key concepts and ideas. This new edition includes coverage of ESG investing, a brand new chapter on digital currencies and electronic payments, and new case studies on sustainability versus profit maximization, environmental financing, socially responsible investing, the rise of fintech, the perils of cryptocurrency, global debt pressures and 'the rise of the South' in finance. The fourth edition will be supplemented by useful digital resources in the form of instructor PowerPoint slides and a testbank of questions for students.

Debt, Risk and Liquidity in Futures Markets (Paperback): Barry Goss Debt, Risk and Liquidity in Futures Markets (Paperback)
Barry Goss
R1,488 Discovery Miles 14 880 Ships in 12 - 19 working days

The issues of developing country debt crises, increased volatility and risk, and the determination of market liquidity are high on the agendas of policy makers, market participants and researchers in the area of financial markets. These issues are also of major importance to regulators and exchange officials. This book contains a collection of eight papers which provide new insights into all three issues, with special emphasis on futures markets, which have received relatively little attention in the analysis of these problems. Issues explored and findings reported in this book, have implications for policy makers in framing recommendations to government, for government officials in shaping the regulatory structure of futures exchanges, for traders on these exchanges, and also for researchers planning future investigations. The book is relevant for post-graduate and advanced under-graduate courses on financial markets in Economics, Finance and Banking.

Financial Exclusion and the Poverty Trap - Overcoming Deprivation in the Inner City (Paperback): Paul Mosley, Pamela Lenton Financial Exclusion and the Poverty Trap - Overcoming Deprivation in the Inner City (Paperback)
Paul Mosley, Pamela Lenton
R1,675 Discovery Miles 16 750 Ships in 12 - 19 working days

The persistence of poverty hurts us all, and attacking poverty is a major policy objective everywhere. In Britain, the main political parties have an anti-poverty mandate and in particular an agreed commitment to eliminate child poverty by 2020, but there is controversy over how this should be done. This book addresses one of the main causes of poverty, financial exclusion the inability to access finance from the high-street banks. People on low or irregular incomes typically have to resort to loan sharks, doorstep lenders and other informal credit sources, a predicament which makes escape from the poverty trap doubly difficult.

Over the last fifteen years, a strategy of breaking down the poverty trap has been implemented, known in the UK as community development financial institutions (CDFIs), typically non-profit lending institutions focussed on the financially excluded, and seeking to learn from the achievements of microfinance around the world. Focussing on the period 2007-09, during which the UK went into a global recession, this book investigates how CDFIs work and how well they have helped low-income people and businesses to weather that recession. Based on a study of eight CDFIs in four UK cities, we ask: what ideas for overcoming financial exclusion have worked well, and which have worked badly? What can we learn from the experience of these CDFIs which can help reduce poverty in this country and globally?

We assess the impact of CDFIs using a range of indicators (including income, assets, education, health) and ask what changes in policy by both CDFIs and government agencies (for example, benefits agencies) might be able to increase impact. Some of the key lessons are: CDFIs need to work with appropriate partners to build up savings capacity in their clients; the community environment is vital in determining who escapes from the poverty trap; and CDFIs can never function properly unless they learn how to control their overdue debts.

This book will be vital reading for those concerned with social policy, microfinance and anti-poverty policies in industrialised countries and around the world."

Financial Economics and Econometrics (Hardcover): Nikiforos T. Laopodis Financial Economics and Econometrics (Hardcover)
Nikiforos T. Laopodis
R7,108 Discovery Miles 71 080 Ships in 12 - 19 working days

Financial Economics and Econometrics provides an overview of the core topics in theoretical and empirical finance, with an emphasis on applications and interpreting results. Structured in five parts, the book covers financial data and univariate models; asset returns; interest rates, yields and spreads; volatility and correlation; and corporate finance and policy. Each chapter begins with a theory in financial economics, followed by econometric methodologies which have been used to explore the theory. Next, the chapter presents empirical evidence and discusses seminal papers on the topic. Boxes offer insights on how an idea can be applied to other disciplines such as management, marketing and medicine, showing the relevance of the material beyond finance. Readers are supported with plenty of worked examples and intuitive explanations throughout the book, while key takeaways, 'test your knowledge' and 'test your intuition' features at the end of each chapter also aid student learning. Digital supplements including PowerPoint slides, computer codes supplements, an Instructor's Manual and Solutions Manual are available for instructors. This textbook is suitable for upper-level undergraduate and graduate courses on financial economics, financial econometrics, empirical finance and related quantitative areas.

Europe in Crisis - Bolt from the Blue? (Hardcover): Ivan Berend Europe in Crisis - Bolt from the Blue? (Hardcover)
Ivan Berend
R4,473 Discovery Miles 44 730 Ships in 12 - 19 working days

This book analyzes the European Great Recession of 2008-12, its economic and social causes, its historical roots, and the policies adopted by the European Union to find a way out of it. It contains explicit debates with several economists and analysts on some of the most controversial questions about the causes of the crisis and the policies applied by the European Union. It presents the cases of Iceland, Greece and Ireland, the countries that first declined into crisis in Europe, each of them in a different way. Iceland is a case study for reckless banking practices, Greece of reckless public spending, and Ireland of reckless household indebtedness. At least seven other countries, mostly from the peripheries of Europe, had similarly reckless banking and spending practices. In the center of the book are the economic and social causes of the crisis. Contemporary advanced capitalism became financialized, de-industrialized and globalized and got rid of the "straitjacket" of regulations. Solid banking was replaced by high-risk, "casino-type" activity. The European common currency also had a structural problem - monetary unification without a federal state and fiscal unification. The other side of the same coin is European hyper-consumerism. A new lifestyle emerged during two super-prosperous periods in the 1950s to 1960s, and during the 1990s to 2006. Trying to find an exit policy, the European Union turned to strict austerity measures to curb the budget deficit and indebtedness. This book critically analyzes the debate around austerity policy. The creation of important supra-national institutions, and of a financial supervisory authority and stability mechanisms, strengthens integration. The correction of the euro's structural mistake by creating a quasi-fiscal unification is even more important. The introduction of mandatory fiscal rules and their supervision promises a long-term solution for a well-functioning common currency. These measures, meanwhile, create a two-tier European Union with a fast-track core. This book suggests that the European Union will emerge stronger from the crisis. This book will be of particular interest to students and researchers of economics, history, political science and international finance, but will also prove profitable reading for practitioners and the interested public.

Europe in Crisis - Bolt from the Blue? (Paperback): Ivan Berend Europe in Crisis - Bolt from the Blue? (Paperback)
Ivan Berend
R1,241 Discovery Miles 12 410 Ships in 12 - 19 working days

This book analyzes the European Great Recession of 2008-12, its economic and social causes, its historical roots, and the policies adopted by the European Union to find a way out of it. It contains explicit debates with several economists and analysts on some of the most controversial questions about the causes of the crisis and the policies applied by the European Union. It presents the cases of Iceland, Greece and Ireland, the countries that first declined into crisis in Europe, each of them in a different way. Iceland is a case study for reckless banking practices, Greece of reckless public spending, and Ireland of reckless household indebtedness. At least seven other countries, mostly from the peripheries of Europe, had similarly reckless banking and spending practices. In the center of the book are the economic and social causes of the crisis. Contemporary advanced capitalism became financialized, de-industrialized and globalized and got rid of the "straitjacket" of regulations. Solid banking was replaced by high-risk, "casino-type" activity. The European common currency also had a structural problem - monetary unification without a federal state and fiscal unification. The other side of the same coin is European hyper-consumerism. A new lifestyle emerged during two super-prosperous periods in the 1950s to 1960s, and during the 1990s to 2006. Trying to find an exit policy, the European Union turned to strict austerity measures to curb the budget deficit and indebtedness. This book critically analyzes the debate around austerity policy. The creation of important supra-national institutions, and of a financial supervisory authority and stability mechanisms, strengthens integration. The correction of the euro's structural mistake by creating a quasi-fiscal unification is even more important. The introduction of mandatory fiscal rules and their supervision promises a long-term solution for a well-functioning common currency. These measures, meanwhile, create a two-tier European Union with a fast-track core. This book suggests that the European Union will emerge stronger from the crisis. This book will be of particular interest to students and researchers of economics, history, political science and international finance, but will also prove profitable reading for practitioners and the interested public.

How Monetary Policy Works (Paperback): Lavan Mahadeva, Peter J.N. Sinclair How Monetary Policy Works (Paperback)
Lavan Mahadeva, Peter J.N. Sinclair
R1,528 Discovery Miles 15 280 Ships in 12 - 19 working days

For monetary policymakers worldwide, developing a practical understanding of how monetary policy transmits to the economy is a day-to-day challenge. The data such policymakers have is imperfect, the maps they use are continually redrawn. With such uncertainty, understanding this complicated issue is rarely straightforward. This book, a collaboration between some of the finest minds working on monetary theory in the world, helps to provide a foundation for understanding monetary policy in all its complex glory. Using models, case studies and new empirical evidence, the contributors to this book help readers on many levels develop their technical expertise. Students of macroeconomics, money and banking and international finance will find this to be a good addition to their reading lists. At the same time, policymakers and professionals within banking will learn valuable lessons from a thorough read of this book's pages.

CreditRisk+ in the Banking Industry (Hardcover, 2004 ed.): Matthias Gundlach, Frank Lehrbass CreditRisk+ in the Banking Industry (Hardcover, 2004 ed.)
Matthias Gundlach, Frank Lehrbass
R3,097 Discovery Miles 30 970 Ships in 10 - 15 working days

CreditRisk+ is an important and widely implemented default-mode model of portfolio credit risk, based on a methodology borrowed from actuarial mathematics. This book gives an account of the status quo as well as of new and recent developments of the credit risk model CreditRisk+, which is widely used in the banking industry. It gives an introduction to the model itself and to its ability to describe, manage and price credit risk. The book is intended for an audience of practitioners in banking and finance, as well as for graduate students and researchers in the field of financial mathematics and banking. It contains carefully refereed contributions from experts in the field, selected for mutual consistency and edited for homogeneity of style, notation, etc. The discussion ranges from computational methods and extensions for special forms of credit business to statistical calibrations and practical implementations. This unique and timely book constitutes an indispensable tool for both practitioners and academics working in the evaluation of credit risk.

Microcredit and International Development - Contexts, Achievements and Challenges (Hardcover): Farhad Hossain, Christopher... Microcredit and International Development - Contexts, Achievements and Challenges (Hardcover)
Farhad Hossain, Christopher Rees, Tonya Knight-Millar
R4,626 Discovery Miles 46 260 Ships in 12 - 19 working days

This book draws together a set of topical writings on the subject of microcredit that will be of relevance to the work of both researchers and practitioners in the field. In drawing on the experiences of authors from countries and regions throughout the globe, including Cambodia, Barbados and the Caribbean, Mexico, Pakistan, India and Africa, the book examines the subject of microcredit from various perspectives. The book explores the contribution of microcredit to various sectors within the developed and developing worlds and seeks to analyze critically the contributory success and failure factors of microcredit in varying international contexts.

By means of evaluating the opportunities and challenges of microcredit, the book provides key lessons about microcredit for international development purposes. More specifically, the authors of the chapters offer a series of insights into microcredit activities as they relate to the real world. For example, in his chapter, David Hulme traces the developing nature of the activities of the highly influential Grameen Bank, that is, from activities focused on subsidised microcredit to more market-based microfinance activities. In their chapter, Johanna Hietalahti and Anja Nygren examine microcredit as a socio-political institution in South Africa and, in doing so, unearth the complex interactions between of rules, logic and power-relations which are relevant to microcredit activities. In another chapter, Asad Ghalib uses the context of Rural Punjab in Pakistan in order to assess the extent to which microcredit-related activities actually reach the poor.

Taken together, the chapters in the book provide readers with an opportunity to consider a host of factors connected to microcredit from a genuinely international perspective.

Financial Exclusion and the Poverty Trap - Overcoming Deprivation in the Inner City (Hardcover): Paul Mosley, Pamela Lenton Financial Exclusion and the Poverty Trap - Overcoming Deprivation in the Inner City (Hardcover)
Paul Mosley, Pamela Lenton
R4,930 Discovery Miles 49 300 Ships in 12 - 19 working days

The persistence of poverty hurts us all, and attacking poverty is a major policy objective everywhere. In Britain, the main political parties have an anti-poverty mandate and in particular an agreed commitment to eliminate child poverty by 2020, but there is controversy over how this should be done. This book addresses one of the main causes of poverty, financial exclusion - the inability to access finance from the high-street banks. People on low or irregular incomes typically have to resort to loan sharks, 'doorstep lenders' and other informal credit sources, a predicament which makes escape from the poverty trap doubly difficult. Over the last fifteen years, a strategy of breaking down the poverty trap has been implemented, known in the UK as community development financial institutions (CDFIs), typically non-profit lending institutions focussed on the financially excluded, and seeking to learn from the achievements of microfinance around the world. Focussing on the period 2007-09, during which the UK went into a global recession, this book investigates how CDFIs work and how well they have helped low-income people and businesses to weather that recession. Based on a study of eight CDFIs in four UK cities, we ask: what ideas for overcoming financial exclusion have worked well, and which have worked badly? What can we learn from the experience of these CDFIs which can help reduce poverty in this country and globally? We assess the impact of CDFIs using a range of indicators (including income, assets, education, health) and ask what changes in policy by both CDFIs and government agencies (for example, benefits agencies) might be able to increase impact. Some of the key lessons are: CDFIs need to work with appropriate partners to build up savings capacity in their clients; the community environment is vital in determining who escapes from the poverty trap; and CDFIs can never function properly unless they learn how to control their overdue debts. This book will be vital reading for those concerned with social policy, microfinance and anti-poverty policies in industrialised countries and around the world.

Southeast Asia's Credit Revolution - From Moneylenders to Microfinance (Paperback): Aditya Goenka, David Henley Southeast Asia's Credit Revolution - From Moneylenders to Microfinance (Paperback)
Aditya Goenka, David Henley
R1,496 Discovery Miles 14 960 Ships in 12 - 19 working days

Southeast Asia's Credit Revolution describes and explains the rise of microfinance - the provision of credit and other financial services for the poor - in Southeast Asia, over the past four decades the most consistently successful region of the developing world. In recent years microfinance has come to be seen as a key weapon in the battle against global poverty, generating more enthusiasm and optimism than any other development strategy. Southeast Asia has a special place in the history of microfinance. Historically, Southeast Asian societies and economies were perceived as almost uniquely debt-ridden and credit-constrained. In the twentieth century, however, the region was in the forefront of the modern microfinance revolution. This book asks what factors have made it possible for formal microfinance institutions to replace moneylenders and other traditional credit providers. Bringing together economists, sociologists, anthropologists and historians, the book covers seven Southeast Asian countries. The topic is explored from cultural and institutional as well as economic perspectives, and policy-relevant lessons are offered for the design of successful microfinance institutions. Focusing on recent developments while putting them in historical context, this will be an important text for scholars and students of economic history, finance, institutional economics, and Asian Studies.

The Recognition of Prior Learning Power, Pedagogy and Possibility - Conceptual and Implementation Guides (Paperback): The Recognition of Prior Learning Power, Pedagogy and Possibility - Conceptual and Implementation Guides (Paperback)
R180 R162 Discovery Miles 1 620 Save R18 (10%) Ships in 5 - 10 working days

RPL: Power, Pedagogy and Possibility is a useful guide for academics, planners, policy-makers and practitioners who deal with the Recognition of Prior Learning (RPL). Its theme of 'knowledgeable practice' marks a departure from much international literature in that it understands RPL as a social practice situated in context, rather than as a set of neutral technical procedures. The conceptual guide presents the theoretical perspectives developed to illuminate the complex relationships between context and RPL practice. These are put to work in three distinctive international contexts chosen to draw out epistemological and pedagogical issues and possibilities. These analyses provide the basis for an understanding of what is and a consideration of what could be. The implementation guide is structured around questions often asked by those interested in implementing RPL for the first time. The focus is practical, on researching and analysing particular institutional and curricular contexts to provide a local picture of what is, what could be and why. On that basis, the detail of how to implement an RPL procedure is also addressed.

Microcredit and Women's Empowerment - A Case Study of Bangladesh (Hardcover, New): Aminul Faraizi, Taskinur Rahman, Jim... Microcredit and Women's Empowerment - A Case Study of Bangladesh (Hardcover, New)
Aminul Faraizi, Taskinur Rahman, Jim McAllister
R4,614 Discovery Miles 46 140 Ships in 12 - 19 working days

Using a case study of Bangladesh, and based on a long term participatory observation method, this book investigates claims of the success of microcredit, as well as the critiques of it, in the context of women's empowerment. It confronts the distinction between women's increasing wealth as a consequence of the success of microcredit programmes and their apparent non-commensurate empowerment, looking at two organisations (the Grameen Bank and the Bangladesh Rural Advancement Committee) as they operate in two localities in rural Bangladesh, in order to discover how enrichment and empowerment are often confused.

The book goes on to establish that the well-publicised success stories of the microcredit programme are blown out of proportion, and that the dynamics of collective responsibility for repayment of loans by a group of women borrowers - usually seen to be a tool for the success of microcredit - is in fact no less repressive than traditional debt collectors. This book makes a contribution to development debates; challenging adherents to more closely specify those conditions under which microcredit does indeed have validity, as well as providing insights relevant to South Asian Studies and Development Studies.

China's Rural Financial System - Households' Demand for Credit and Recent Reforms (Hardcover, New): Yuepeng Zhao China's Rural Financial System - Households' Demand for Credit and Recent Reforms (Hardcover, New)
Yuepeng Zhao
R4,774 Discovery Miles 47 740 Ships in 12 - 19 working days

This book examines the credit needs and the borrowing behaviour of rural households in China in recent years. It is based on in-depth analysis of the status of households indebtedness and borrowing behaviour; the performance of Rural Credit Cooperatives (RCCs), as well as resources of informal finance. Before 2006, RCCs are virtually the only source of formal credit for rural households in China and were subject to a series of reforms from 1996 to 2003. The reforms aimed to transform RCCs into market-oriented institutions and, more importantly, help them meet the increasing demands of farmers for varied financial services, and thereby contribute effectively to economic transformation in rural China.

Based on a micro-study of three villages, at different stages of development with dissimilar economic characteristics in Jiangxi province, this book investigates the sources of finance, formal and informal, in rural areas and the different types of credit that farmers require. It examines the patterns of credit required by rural households at different stages of agricultural processes, and the institutions from which they obtain loans. It demonstrates the importance of innovative institutional arrangements in rural China and new instruments that give farmers access to formal rural financial markets and enable them to utilize credit effectively, concluding that further reforms to RCCs are necessary for RCCs to be truly effective.

Should we abolish household debts? (Paperback): Montgomerie Should we abolish household debts? (Paperback)
Montgomerie
R347 Discovery Miles 3 470 Ships in 9 - 17 working days

We live in a culture of credit. As wages have stagnated, we've seen a dramatic surge in private borrowing across the western world; increasing numbers of households are sucked into a hopeless vortex of spiralling debt, fuelled by exploitative lending. In this book Johnna Montgomerie argues that the situation is chronically dysfunctional, both individually and collectively. She shows that abolishing household debts can put an end to austerity and to the unsustainable forward march of debt-dependent growth. She combines astute economic analysis with the elements of an accessible guide to practical policy solutions such as extending unconventional monetary policy to the household sector, providing pragmatic and affordable refinancing options, and writing off the most pernicious elements of household debt. This framework, she contends, can help us to make our economy fairer and to tackle both the housing crisis and accelerating inequality.

Benjamin Franklin and the Invention of Microfinance (Hardcover): Bruce H. Yenawine Benjamin Franklin and the Invention of Microfinance (Hardcover)
Bruce H. Yenawine
R2,968 Discovery Miles 29 680 Ships in 12 - 19 working days

In life, Benjamin Franklin sought to manage debt, organize credit, build capital and promote virtue. After death, he continued this work by leaving a codicil to his last will and testament, bequeathing GBP2,000 to Boston and Philadelphia. This study examines Franklin's codicil and the financial history of America over the 200 years since his death.

Performance Measurement Systems in Banks (Paperback): Rahat Munir, Kevin Baird Performance Measurement Systems in Banks (Paperback)
Rahat Munir, Kevin Baird
R1,361 Discovery Miles 13 610 Ships in 12 - 19 working days

Given the significant changes in the banking environment and the resultant pressures on banks to change their systems and procedures, this book is a timely reference that provides a comprehensive analytical overview of changes in the performance measurement system (PMS) of banks in the post-financial crisis era. It explores the factors that influence such changes and examines banks' consequential responses to institutional pressures. It is an invaluable resource for researchers and practitioners to gain insights into the concept of PMS change in both developed and developing economies.

Southeast Asia's Credit Revolution - From Moneylenders to Microfinance (Hardcover): Aditya Goenka, David Henley Southeast Asia's Credit Revolution - From Moneylenders to Microfinance (Hardcover)
Aditya Goenka, David Henley
R4,630 Discovery Miles 46 300 Ships in 12 - 19 working days

Southeast AsiaOCOs Credit Revolution describes and explains the rise of microfinance OCo the provision of credit and other financial services for the poor OCo in Southeast Asia, over the past four decades the most consistently successful region of the developing world. In recent years microfinance has come to be seen as a key weapon in the battle against global poverty, generating more enthusiasm and optimism than any other development strategy.

Southeast Asia has a special place in the history of microfinance. Historically, Southeast Asian societies and economies were perceived as almost uniquely debt-ridden and credit-constrained. In the twentieth century, however, the region was in the forefront of the modern microfinance revolution. This book asks what factors have made it possible for formal microfinance institutions to replace moneylenders and other traditional credit providers.

Bringing together economists, sociologists, anthropologists and historians, the book covers seven Southeast Asian countries. The topic is explored from cultural and institutional as well as economic perspectives, and policy-relevant lessons are offered for the design of successful microfinance institutions. Focusing on recent developments while putting them in historical context, this will be an important text for scholars and students of economic history, finance, institutional economics, and Asian Studies."

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Training Your Own Psychiatric Service…
Max Matthews Hardcover R811 R727 Discovery Miles 7 270
The New Free-Mason's Monitor - Or…
James Hardie Paperback R600 Discovery Miles 6 000
Strengthening the DSM - Incorporating…
Betty Garcia, Randall Nedegaard, … Paperback R2,030 Discovery Miles 20 300
Living Landmarks of Freemasonry
Barry Mitchell Paperback R382 Discovery Miles 3 820
A Mosaic Palace - Freemasonry and the…
Martin Faulks Paperback R289 Discovery Miles 2 890
Forensic Nursing and Mental Disorder…
Norman McClelland, Martin Humphreys, … Paperback R856 Discovery Miles 8 560
Typical and Atypical Child and…
Stephen Von Tetzchner Hardcover R4,466 Discovery Miles 44 660
Kultusse In Suid-Afrika
Jana Marx Paperback R310 R291 Discovery Miles 2 910
Proceedings of the Grand Chapter of…
Royal Arch Masons of Canada Hardcover R655 R572 Discovery Miles 5 720

 

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