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Books > Money & Finance > Credit & credit institutions

Finance Against Poverty: Volume 2 - Country Case Studies (Hardcover, illustrated edition): Hulme David, Paul Mosley Finance Against Poverty: Volume 2 - Country Case Studies (Hardcover, illustrated edition)
Hulme David, Paul Mosley
R5,418 Discovery Miles 54 180 Ships in 12 - 17 working days

Over the last decade, the theory that poverty in the world's poorest regions could be alleviated by providing small loans to micro-entrepreneurs has become increasingly popular. This volume examines the effectiveness of this theory when put into practice. The book presents empirical evidence drawn from comparative experiences in seven developing countries and produces some startling conclusions. This work should be essential reading for all those interested in development, poverty-reduction, social welfare and finance. Volume One provides a detailed analysis of this theory and offers policy recommendations for practitioners in the field.

Finance Against Poverty: Volume 2 - Country Case Studies (Paperback): Hulme David, Paul Mosley Finance Against Poverty: Volume 2 - Country Case Studies (Paperback)
Hulme David, Paul Mosley
R2,034 Discovery Miles 20 340 Ships in 12 - 17 working days


Over the last decade, the theory that poverty in the world's poorest regions could be alleviated by providing small loans to micro-entrepreneurs has become increasingly popular. This volume examines the effectiveness of this theory when put into practice. The book presents empirical evidence drawn from comparative experiences in seven developing countries and produces some startling conclusions. This work should be essential reading for all those interested in development, poverty-reduction, social welfare and finance. Volume One provides a detailed analysis of this theory and offers policy recommendations for practitioners in the field.

Finance Against Poverty: Volume 1 (Paperback): Hulme David, Paul Mosley Finance Against Poverty: Volume 1 (Paperback)
Hulme David, Paul Mosley
R1,854 Discovery Miles 18 540 Ships in 12 - 17 working days


In two volumes these books review and expand the theory that poverty in the world's poorest regions could be alleviated by providing small loans to micro-entrepreneurs. Volume 1 provides detailed analysis of this theory and offers policy recommendations for practitioners in this field. Volume 2 presents empirical evidence drawn from comparative experiences in seven developing countries. The work assesses the success of this policy and provides some startling conclusions. This is essential reading for all those interested in development, poverty-reduction, social welfare and finance.

eBook available with sample pages: HB:0415095441

Digital Currencies and the New Global Financial System (Hardcover): Ranjan Aneja, Robert Dygas Digital Currencies and the New Global Financial System (Hardcover)
Ranjan Aneja, Robert Dygas
R3,768 Discovery Miles 37 680 Ships in 12 - 17 working days

This book analyses the current debate around Central Bank Digital Currencies (CBDC) and the future of New Global Financial System. It offers deep insight into the global monetary policy in the context of digital and cryptocurrencies and examines both the opportunities and challenges to come. The book draws a clear distinction between digital and cryptocurrencies and answers several research questions, such as what the consequences of forming Central Bank Digital Currencies and their impact on the financial markets, in both advanced and developing economies, might be. Another question refers to whether the role of monetary policy easing has led to the rise of the virtual currency market, while still others relate to the impact of the pandemic on international settlements. The book also discusses the issue of investment in cryptocurrencies, and the related risks, whether or not this is a profitable investment vehicle, and how the digital banking system evaluates such investments. Further, the book also highlights the post-pandemic challenges for central banks, such as future monetary policy. It includes a complex review of the literature and presents elaborate econometric models of digital currencies and cryptocurrencies. The book has a wide geographic focus, examining these aspects from the perspective of several countries including China, India and the US. The primary audience for the book is researchers, scholars and students of international finance and economics but it will also appeal to practitioners concerned with the digitalisation of financial systems, policymakers and regulatory agencies. Note: Prof. Shalini Talwar's affiliation is published incorrectly. Her correct affiliation, which may be considered for referencing and records is: Shalini Talwar, Associate Professor, S. P. Jain Institute of Management and Research, Mumbai, India.

Microcredit and International Development - Contexts, Achievements and Challenges (Paperback): Farhad Hossain, Christopher... Microcredit and International Development - Contexts, Achievements and Challenges (Paperback)
Farhad Hossain, Christopher Rees, Tonya Knight-Millar
R1,527 Discovery Miles 15 270 Ships in 12 - 17 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.

Debt, Risk and Liquidity in Futures Markets (Paperback): Barry Goss Debt, Risk and Liquidity in Futures Markets (Paperback)
Barry Goss
R1,348 Discovery Miles 13 480 Ships in 12 - 17 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.

The rating agencies and their credit ratings - What They Are, How They Work and Why They are Relevant (Hardcover): Hm Langohr The rating agencies and their credit ratings - What They Are, How They Work and Why They are Relevant (Hardcover)
Hm Langohr
R1,708 Discovery Miles 17 080 Ships in 12 - 17 working days

Credit rating agencies play a critical role in capital markets, guiding the asset allocation of institutional investors as private capital moves freely around the world in search of the best trade-off between risk and return. However, they have also been strongly criticised for failing to spot the Asian crisis in the early 1990s, the Enron, WorldCom and Parmalat collapses in the early 2000s and finally for their ratings of subprime-related structured finance instruments and their role in the current financial crisis.


This book is a guide to ratings, the ratings industry and the mechanics and economics of obtaining a rating. It sheds light on the role that the agencies play in the international financial markets. It avoids the sensationalist approach often associated with studies of rating scandals and the financial crisis, and instead provides an objective and critical analysis of the business of ratings. The book will be of practical use to any individual who has to deal with ratings and the ratings industry in their day-to-day job.

Reviews

""Rating agencies fulfil an important role in the capital markets, but given their power, they are frequently the object of criticism. Some of it is justified but most of it portrays a lack of understanding of their business. In their book The Rating Agencies and their Credit Ratings, Herwig and Patricia Langohr provide an excellent economic background to the role of rating agencies and also a thorough understanding of their business and the problems they face. I recommend this book to all those who have an interest in this somewhat arcane but extremely important area."
"-Robin Monro-Davies, Former CEO, Fitch Ratings.


""At a time of unprecedented public and political scrutiny of the effectiveness and indeed the basic business model of the Credit Rating industry, and heightened concerns regarding the transparency and accountability of the leading agencies, this book provides a commendably comprehensive overview, and should provide invaluable assistance in the ongoing debate."
"-Rupert Atkinson, Managing Director, Head of Credit Advisory Group, Morgan Stanley and member of the SIFMA Rating Agency Task Force


""The Langohrs have provided useful information in a field where one frequently finds only opinions or misconceptions. They supply a firm base from which to understand changes now underway. A well-read copy of this monograph should be close to the desk of every investor, issuer and financial regulator, legislator or commentator.""
-John Grout, Policy and Technical Director, The Association of Corporate Treasurers


The American Savings and Loan Industry, 1831-1935 (Hardcover): David L. Mason The American Savings and Loan Industry, 1831-1935 (Hardcover)
David L. Mason
R14,073 Discovery Miles 140 730 Ships in 12 - 17 working days

The American savings and loan industry began in the 1830s to help people of modest financial means buy a home. Despite the long history of the industry there has been limited scholarly work done on its early years. This collection allows an insight into the place of the savings and loans industry within the wider context of American society.

Digital Finance and the Future of the Global Financial System - Disruption and Innovation in Financial Services (Hardcover):... Digital Finance and the Future of the Global Financial System - Disruption and Innovation in Financial Services (Hardcover)
Lech Gasiorkiewicz, Jan Monkiewicz
R4,067 Discovery Miles 40 670 Ships in 12 - 17 working days

This book offers an in-depth analysis of the most salient features of contemporary financial systems and clarifies the major strategic issues facing the development of digital finance. It provides insight into how the digital finance system actually works in a socioeconomic context. It presents three key messages: that digital transformation will change the financial system entirely, that the State has a particularly important role to play in the whole process and that consumers will be offered more opportunities and freedom but simultaneously will be exposed to more risk and challenges. The book is divided into four parts. It begins by laying down the fundamentals of the subsequent analysis and offers a deep understanding of digital finance, including a topology of the key technologies applied in the transformation process. The next part reviews the challenges facing the digital State in the new reality, the digitalization of public finance and the development of digitally relevant taxation systems. In the third part, digital consumer aspects are discussed. The final part examines the risks and challenges of digital finance. The authors focus their attention on three key developments in financial markets: accelerated growth in terms of the importance of algorithms, replacing existing legal regulations; the expansion of cyber risk and its growing impact and finally the emergence of new dimensions of systemic risk as a side effect of financial digitalization. The authors supplement the analysis with a discussion of how these new risks and challenges are monitored and mitigated by financial supervision. The book is a useful, accessible guide to students and researchers of finance, finance and technology, regulations and compliance in finance.

The LSTA's Complete Credit Agreement Guide, Second Edition (Paperback, 2nd edition): Michael Bellucci, Jerome McCluskey The LSTA's Complete Credit Agreement Guide, Second Edition (Paperback, 2nd edition)
Michael Bellucci, Jerome McCluskey
R2,611 R2,332 Discovery Miles 23 320 Save R279 (11%) Ships in 12 - 17 working days

The new edition of this popular guide provides the tools you need to navigate the radically altered, post-meltdown world of credit Originally published in 2009, when the banking industry was in major turmoil, The LSTA's Complete Credit Agreement Guide has been comprehensively updated to address all the changes that have taken place over the past seven years. The loan market is no longer dominated by traditional banks; today's lenders also include retail loan funds, structured vehicles like CLOs, and numerous other hedge funds and distressed funds--all of which is explained and updated in this new edition. You will learn all of the essentials in understanding today's typical credit agreement versus that of seven years ago.

Developing and Managing a Successful Payment Cards Business (Hardcover, New Ed): Jeff Slawsky, Samee Zafar Developing and Managing a Successful Payment Cards Business (Hardcover, New Ed)
Jeff Slawsky, Samee Zafar
R3,920 Discovery Miles 39 200 Ships in 12 - 17 working days

The credit card industry today is a multi-trillion dollar business that employs hundreds of thousands of people across the globe and impacts literally billions of people every day. Yet there is no comprehensive book or reference material available in the marketplace that provides fact-based perspectives on how to develop and manage a successful card business - despite the significant demand from all those involved in the industry. Developing and Managing a Successful Payment Cards Business offers information, analysis, observations, perspectives and advice on developing and managing a card business. There is comprehensive coverage of all areas including card business strategy, product development, customer acquisition and retention strategies, and product marketing techniques. The book also reviews underlying infrastructure components relating to operations and systems including risk management and transaction processing and suggests improvement techniques. There is detailed discussion on portfolio performance and profitability evaluation, as well as new technology developments and emerging payment systems such as chip cards and mobile payments.

Women and Credit - Researching the Past, Refiguring the Future (Hardcover): Beverly Lemire, Ruth Pearson, Gail Campbell Women and Credit - Researching the Past, Refiguring the Future (Hardcover)
Beverly Lemire, Ruth Pearson, Gail Campbell
R3,917 Discovery Miles 39 170 Ships in 12 - 17 working days

Credit can be instrumental in equalizing opportunity and alleviating poverty, yet historically men and women have not had the same access. Partly because of this, women have been excluded from many previous economic histories. This book fills a significant gap in exploring the vexed relationship between the women and credit across time and space.
Providing examples of credit agencies and initiatives in both the developing and developed world, Women and Credit raises important policy issues and makes valuable suggestions for reconfiguring the relationship between women and credit. It also answers questions previously ignored by scholars, yet of vital significance to women's studies and economic history. What contribution did women make to the development of industrial capitalism? How does women's access to credit vary across time and cultures? How has the development of mico-credit initiatives affected women's economic position and what role will such initiatives play in the future?
This book is an invaluable resource for anyone in the fields of Women's studies, economic history, anthropology or development

A History of Credit and Power in the Western World (Hardcover): Scott B. MacDonald A History of Credit and Power in the Western World (Hardcover)
Scott B. MacDonald
R3,914 Discovery Miles 39 140 Ships in 12 - 17 working days

The end of the Cold War put the planet on a new track, abruptly replacing the familiar world of bipolarity, red phones, and intercontinental ballistic missiles with the strange new world of the Internet, e-commerce, and Palm Pilots. The "New World Order" was defined by a U.S.-led war against Iraq, bloody ethnic strife in Bosnia and Rwanda, and religious turmoil in Central Asia. This evolving global system, however, overlooked the powerful role of credit, which functions as a critical building block for developing greater national and individual wealth. This volume examines the evolution of credit in the Western world and its relationship to power. Spanning several centuries of human endeavor. it focuses on Western Europe and the United States and also considers how the Western system became the global credit system. Six major themes run throughout: (1) the direct relationship between credit and power; (2) different kinds of political power promote different kinds of economic behavior; (3) various societal and cultural groups were often more successful in mingling credit and political power; (4) the Western credit system evolved in tandem with the development of the nation-state; (5) historically, there has been a pattern of financial crises; (6) credit spread from being the privilege of the wealthy and powerful to being available to vast numbers. MacDonald and Gastmann have broken history into five periods, ranging from early pre-modern, defining the earliest references to banking and credit as exemplified by the Code of Hammurabi, circa 1726 BC, through the Roman Empire with its creation of money and growing use of credit in trade, the barbarian invasions of the 11th century which led to a breakdown in credit networks in the West, through the establishment of the Italian city-states, to the modern period which incorporates the rise of credit in the Low Countries in the 1500s and extends through the rise of London and New York as the major international credit hubs. The final period is the global one which began in the early 1990s, reflecting the linkages of almost all points of the map, and the deepening democratization of credit in North America, Europe, and parts of Asia. This highly accessible and well-written volume will engage historians and economists alike.

Between Debt and the Devil - Money, Credit, and Fixing Global Finance (Paperback, Revised edition): Adair Turner Between Debt and the Devil - Money, Credit, and Fixing Global Finance (Paperback, Revised edition)
Adair Turner; Afterword by Adair Turner
R520 R416 Discovery Miles 4 160 Save R104 (20%) Ships in 12 - 17 working days

Adair Turner became chairman of Britain's Financial Services Authority just as the global financial crisis struck in 2008, and he played a leading role in redesigning global financial regulation. In this eye-opening book, he sets the record straight about what really caused the crisis. It didn't happen because banks are too big to fail--our addiction to private debt is to blame. Between Debt and the Devil challenges the belief that we need credit growth to fuel economic growth, and that rising debt is okay as long as inflation remains low. In fact, most credit is not needed for economic growth--but it drives real estate booms and busts and leads to financial crisis and depression. Turner explains why public policy needs to manage the growth and allocation of credit creation, and why debt needs to be taxed as a form of economic pollution. Banks need far more capital, real estate lending must be restricted, and we need to tackle inequality and mitigate the relentless rise of real estate prices. Turner also debunks the big myth about fiat money--the erroneous notion that printing money will lead to harmful inflation. To escape the mess created by past policy errors, we sometimes need to monetize government debt and finance fiscal deficits with central-bank money. Between Debt and the Devil shows why we need to reject the assumptions that private credit is essential to growth and fiat money is inevitably dangerous. Each has its advantages, and each creates risks that public policy must consciously balance.

The Growth of Islamic Banking in Indonesia - Theory and Practice (Hardcover): Sigit Pramono, Yasushi Suzuki The Growth of Islamic Banking in Indonesia - Theory and Practice (Hardcover)
Sigit Pramono, Yasushi Suzuki
R3,899 Discovery Miles 38 990 Ships in 12 - 17 working days

Indonesia is the most populous Muslim country in the world. Taking into account also its endowment and potential economic resources, the Islamic banking industry in Indonesia was expected to take on an important role in facilitating more financial resources and to contribute to the internationalization of the Islamic mode of financing particularly in the Asia-Pacific region. However, the reality is far from the expectation. This book aims to clarify the causes and fundamental constraints leading to the extraordinarily low level of Indonesia's Islamic financial deepening. The authors draw on the traditions of Institutional Economics which are concerned with the rules or mechanisms of creating the 'incentive' and 'threat' for economic players because the rules (institutions) would matter as the determinant for economic development and economic efficiency. This book offers a fairly new analytical lens by hypothesizing that Islamic banks must earn additional profit- the authors coined as 'Islamic bank rent' - to maintain their franchise value as prudent Shari'ah-compliant lenders when compared to conventional banks. The authors argued that insufficient provision of the Islamic bank rent opportunity may have caused the Indonesia's Islamic banks the opportunity to learn and improve their skill and capacity for the credit risk management. The book also offers evidence in support of implementing economic and affirmative policy necessary for incubating and developing the Islamic banking industry in Indonesia and making Indonesia an international Islamic financial hub in the Asia-Pacific region. This book will be a useful resource for policy makers and researchers interested in Islamic banking in Indonesia.

Effective Trading in Financial Markets Using Technical Analysis (Paperback): Smita Roy Trivedi, Ashish H. Kyal Effective Trading in Financial Markets Using Technical Analysis (Paperback)
Smita Roy Trivedi, Ashish H. Kyal
R1,268 Discovery Miles 12 680 Ships in 12 - 17 working days

This book provides a comprehensive guide to effective trading in the financial markets through the application of technical analysis through the following: Presenting in-depth coverage of technical analysis tools (including trade set-ups) as well as backtesting and algorithmic trading Discussing advanced concepts such as Elliott Waves, time cycles and momentum, volume, and volatility indicators from the perspective of the global markets and especially India Blending practical insights and research updates for professional trading, investments, and financial market analyses Including detailed examples, case studies, comparisons, figures, and illustrations from different asset classes and markets in simple language The book will be essential for scholars and researchers of finance, economics and management studies, as well as professional traders and dealers in financial institutions (including banks) and corporates, fund managers, investors, and anyone interested in financial markets.

Understanding Investments - Theories and Strategies (Paperback, 2nd edition): Nikiforos T. Laopodis Understanding Investments - Theories and Strategies (Paperback, 2nd edition)
Nikiforos T. Laopodis
R2,344 Discovery Miles 23 440 Ships in 12 - 17 working days

This revised and fully expanded edition of Understanding Investments continues to incorporate the elements of traditional textbooks on investments, but goes further in that the material is presented from an intuitive, practical point of view, and the supplementary material included in each chapter lends itself to both class discussion and further reading by students. It provides the essential tools to navigate complex, global financial markets and instruments including relevant (and classic) academic research and market perspectives. The author has developed a number of key innovative features. One unique feature is its economic angle, whereby each chapter includes a section dedicated to the economic analysis of that chapter's material. Additionally, all chapters contain sections on strategies that investors can apply in specific situations and the pros and cons of each are also discussed. The book provides further clarification of some of the concepts discussed in the previous edition, thereby offering a more detailed analysis and discussion, with more real-world examples. The author has added new, shorter text boxes, labeled "Market Flash" to highlight the use of, or changes in current practices in the field; updates on strategies as applied by professionals; provision of useful information for an investor; updates on regulations; and anything else that might be relevant in discussing and applying a concept. This second edition also includes new sections on core issues in the field of investments, such as alternative investments, disruptive technologies, and future trends in investment management. This textbook is intended for undergraduate students majoring or minoring in finance and also for students in economics and related disciplines who wish to take an elective course in finance or investments.

Growth Without Inequality - Reinventing Capitalism (Hardcover): Henry K.H. Woo Growth Without Inequality - Reinventing Capitalism (Hardcover)
Henry K.H. Woo
R3,761 Discovery Miles 37 610 Ships in 12 - 17 working days

Many years on after the 2007-8 financial crisis, most developed nations still find themselves in a state of weak recovery, high debt pile-up and distributive disparity. The intriguing question that we face is whether the golden days of modern capitalism are over, or if capitalism is just undergoing another period of adjustment characteristic of its past. What is disheartening is that the twin economic goals of sustainable growth and equality, which the world has now come to recognise as of paramount importance but mutually conflicting, remain, more now than ever, illusive and unattainable. Growth Without Inequality attempts to address this issue and to provide a pragmatic solution especially for nations in the current policy gridlock. By offering a unified framework of factors that drive growth, it shows how growth also gives rise to an array of "anomalous market forms" (defined by different degrees of value and risk visibility) that subvert distributive equity between labour and capital. It debunks both the pure free market solution and the mixed economy approach on the ground that they fail to arrest the growth propelling yet subversive power inherent in the "corporate forms" under the present capitalistic regime. Having shown that effective reform can hardly take place within the system itself, this book proposes to build a separate sector (Economy II) and partition it from the existing system (Economy I). The solution is easy to implement and quick to take effect. By one single stroke, this "Non-Marxist" solution can happily achieve the ideals of both "competitive capitalism" and "egalitarian socialism".

The Rise and Fall of Global Microcredit - Development, debt and disillusion (Paperback): Milford Bateman, Stephanie... The Rise and Fall of Global Microcredit - Development, debt and disillusion (Paperback)
Milford Bateman, Stephanie Blankenburg, Richard Kozul-Wright
R968 Discovery Miles 9 680 Ships in 10 - 15 working days

In the mid-1980s the international development community helped launch what was to quickly become one of the most popular poverty reduction and local economic development policies of all time. Microcredit, the system of disbursing tiny micro-loans to the poor to help them to establish their own income-generating activities, was initially highly praised and some were even led to believe that it would end poverty as we know it. But in recent years the microcredit model has been subject to growing scrutiny and often intense criticism. The Rise and Fall of Global Microcredit shines a light on many of the fundamental problems surrounding microcredit, in particular, the short- and long-term impacts of dramatically rising levels of microdebt. Developed in collaboration with UNCTAD, this book covers the general policy implications of adverse microcredit impacts, as well as gathering together country-specific case studies from around the world to illustrate the real dynamics, incentives and end results. Lively and provocative, The Rise and Fall of Global Microcredit is an accessible guide for students, academics, policymakers and development professionals alike.

Transforming Africa - How Savings Groups Foster Financial Inclusion, Resilience and Economic Development (Hardcover): Dana T.... Transforming Africa - How Savings Groups Foster Financial Inclusion, Resilience and Economic Development (Hardcover)
Dana T. Redford, Grietjie Verhoef
R2,582 Discovery Miles 25 820 Ships in 12 - 17 working days

Formal financial systems are emerging rapidly in Africa, driven by rising financial literacy and technological innovation, and accelerated by informal savings groups that foster inclusive growth across the continent. While prevalent among the poor, the savings groups phenomenon extends to Africa's growing, yet still fragile, middle class, underpinning economic resilience and providing a tool for community participation as well as cooperative entrepreneurial development. These groups are also becoming important agents for social and economic empowerment, independent of age and gender. Transforming Africa: How Savings Groups Foster Financial Inclusion, Resilience and Economic Development gives voice to the local and international agents of grassroots economic empowerment initiatives that thrive in Africa. Presenting a unique through in-depth empirical research into savings group activities in over a dozen African countries, this book explores savings groups through the lens of financial inclusion, reflecting on formal finance, economic and social outcomes. SG4Africa was launched in April 2018 to explore these dimensions of savings groups and provide novel, empirically-grounded research across different geographies in Africa. Led jointly by the Policy Experimentation; Evaluation Platform and the University of Johannesburg, the SG4Africa consortium includes members from more than a dozen African countries.

Getting Started as a Commercial Mortgage Broker - How to Get to a Six-Figure Salary in 12 Months (Hardcover): PJ Gineris Getting Started as a Commercial Mortgage Broker - How to Get to a Six-Figure Salary in 12 Months (Hardcover)
PJ Gineris
R691 R531 Discovery Miles 5 310 Save R160 (23%) Ships in 12 - 17 working days

While residential real estate lending has gone soft, commercial lending is hot--with a wave of low interest rates and refinancing--and it shows no sign of slowing down. Right now, commercial mortgage brokering is one of the best ways to earn money without a ton of training. In this practical guide for first-timers, you'll learn the basics of brokering from application to closing, as well as inside information you won't find anywhere else. So get started!

The Real Estate Investor's Guide to Financing - Insider Advice for Making the Most Money on Every Deal (Paperback, Special... The Real Estate Investor's Guide to Financing - Insider Advice for Making the Most Money on Every Deal (Paperback, Special Ed.)
David Reed
R495 R371 Discovery Miles 3 710 Save R124 (25%) Ships in 12 - 17 working days

To get the biggest return, real estate investors need the right financing. And as they buy multiple properties, their debt to equity rises, making it more difficult to get the kind of deal they need. As many investors have learned the hard way, getting the wrong financing can wipe out their profits, hold them back from selling because of a lack of equity, or force them to try to sell for more than the market will bear. The Real Estate Investor's Guide to Financing is the one book that shows readers how to get the right financial package for the biggest return on their investment. As a respected author and mortgage banker, David Reed has spent more than 20 years helping investors finance their properties. Here, he offers advice on such crucial topics as: * financing options for different property types * the financial implications of renting vs. flipping * setting rental rates * the challenges and benefits of being a landlord, including rent loss coverage * the pros and cons of having partners * tips on financing a second home, duplex, multi-family unit, or condo Complete with essential advice on financing and a glossary of investment terms, this is the one guide that will help readers start making real money.

Your Successful Career as a Mortgage Broker (Paperback): David Reed Your Successful Career as a Mortgage Broker (Paperback)
David Reed
R490 R365 Discovery Miles 3 650 Save R125 (26%) Ships in 12 - 17 working days

Mortgage banking is one of the fastest growing industries in the country. In the next few years, home purchases are expected to run into the trillions, creating more opportunity than ever for people seeking a career in this profitable industry. Real estate author, columnist, and veteran mortgage banker. David Reed offers practical advice on licensing and educational requirements, as well as valuable guidance on the different career options available as a mortgage broker, mortgage banker, correspondent mortgage banker, and more. Aspiring mortgage brokers will also discover how to: * Quote interest rates * Get approved by wholesale lenders * Negotiate the steps of the loan process * Market and prospect successfully Detailed and informative, Your Successful Career as a Mortage Broker is an invaluable tool for creating a brilliant career in an ever-changing, ever-growing field.

Managing Financial Institutions - Markets and Sustainable Finance (Paperback): Elizabeth Cooperman Managing Financial Institutions - Markets and Sustainable Finance (Paperback)
Elizabeth Cooperman
R2,623 Discovery Miles 26 230 Ships in 12 - 17 working days

This book goes beyond traditional financial institutions textbooks, which tend to focus on mathematical models for risk management and the technical aspects of measuring and managing risk. It focuses on the role of financial institutions in promoting social and economic goals for the communities in which they operate for the greater good, while also meeting financial and competitive challenges, and managing risks. Cooperman divides the text into seven easily teachable modules that examine the real issues and challenges that managers of financial institutions face. These include the transformative changes presented by social unrest, climate change and resource challenges, as well as the changes in how financial institutions operate in light of the opportunities that rapid innovations and disruptive technologies offer. The book features: Up-to-date coverage of new regulations affecting financial institutions, such as Dodd Frank and new SEC regulations. Material on project financing and new forms of financing, including crowd funding and new methods of payment for financial institutions. New sustainable finance models and strategies that incorporate environmental, social, and corporate governance considerations. A new chapter on sustainable financial institutions, social activism, the greening of finance, and socially responsible investing. Practical cases focusing on sustainability give readers insight into the socioeconomic risks associated with climate change. Streamlined and accessible, Managing Financial Institutions will appeal to students of financial institutions and markets, risk management, and banking. A companion website, featuring PowerPoint slides, an Instructor's Manual, and additional cases, is also available.

Women, Microfinance and the State in Neo-liberal India (Hardcover): K. Kalpana Women, Microfinance and the State in Neo-liberal India (Hardcover)
K. Kalpana
R4,215 Discovery Miles 42 150 Ships in 12 - 17 working days

This book discusses women-oriented microfinance initiatives in India and their articulation vis-a-vis state developmentalism and contemporary neo-liberal capitalism. It examines how these initiatives encourage economically disadvantaged rural women to make claims upon state-provided microcredit and connect with multiple state institutions and agencies, thereby reshaping their gendered identities. The author shows how Self-Help Group (SHG)-based microfinance institutions mobilise agency and create channels of empowerment for women as well as make them responsible for alleviating poverty for themselves and their families. The book also brings out the importance of factoring in women's dissenting voices when they negotiate developmental projects at the grassroots level. Rich in empirical data, this volume will be useful to scholars and researchers of development studies, gender studies, economics, especially microeconomics, politics, public policy and governance.

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