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This book offers a guide, for companies, pension funds, asset
managers, and other institutional investors, on how to commence the
legal, governance, and financial strategies needed for effective
climate mitigation and adaptation, and to help distribute the
economic benefits of these actions to their stakeholders. It takes
the reader from ideas to action, from first steps to a more
meaningful contribution to the move towards a net zero carbon
world. It can serve as a helpful guide to everyone implicated in a
corporation's activities - employees, pensioners, consumers, banks
and other lenders, policymakers, and community members. It offers
insights into what we should be expecting, and asking, of these
fiduciaries who have taken responsibility for effectively managing
our savings, our retirement funds, our investments, and our tax
dollars.
Since the Great Recession of 2008, the racial wealth gap between
black and white Americans has continued to widen. In Predatory
Lending and the Destruction of the African-American Dream, Janis
Sarra and Cheryl Wade detail the reasons for this failure by
analyzing the economic exploitation of African Americans, with a
focus on predatory practices in the home mortgage context. They
also examine the failure of reform and litigation efforts
ostensibly aimed at addressing this form of racial discrimination.
This research, augmented by first-hand narratives, provides
invaluable insight into the racial wealth gap by vividly
illustrating the predation that targets African-American consumers
and examining the intentionally obfuscating settlement terms of
cases brought by the U.S. Department of Justice, states attorneys,
and municipalities. The authors conclude by offering structural,
systemic changes to address predatory practices. This important
work should be read by anyone seeking to understand racial
inequality in the United States.
This new book systematically examines the current process for
distressed Micro, Small and Medium Enterprises (MSMEs), and
proposes a different, more appropriate, 'modular' approach to the
treatment of such entities when faced with insolvency proceedings.
MSMEs play a vital role in virtually all global economies. They are
a primary means by which entrepreneurs bring new business
propositions to the market, and deliver a range of products and
services to local economies. MSMEs tend to be more reliant on
favourable legal and regulatory climates to survive and thrive than
larger businesses, and insolvency regimes are often more tailored
to these larger businesses, assuming an extensive insolvency estate
of significant worth, and the presence of creditors and other
concerned stakeholders to participate in and oversee the process.
These assumptions and features are generally incongruous with the
reality of MSMEs, for whom assets are of less value and whose
stakeholders are generally more disinterested. The modular approach
proposed in this book addresses the imbalances, inconsistencies,
and lack of supervision which is often apparent in treatment of
insolvent MSMEs. It provides an overview of existing approaches to
MSME insolvency, the place of MSMEs in the global economy, and the
particular needs of MSMEs in financial distress. It then sets out
the procedural framework, policy objectives, and key components of
the modular approach, detailing how a choice of modules enables
national policy-makers a more flexible process for resolution. It
then outlines the roles, positions, and obligations of key
stakeholder groups, and explains the managerial, administrative,
and judicial functions of this approach. Finally, it explains how
elements of the broader legal system should be aligned with, and
supportive of, the optimal functioning of the modular approach.
Since the Great Recession of 2008, the racial wealth gap between
black and white Americans has continued to widen. In Predatory
Lending and the Destruction of the African-American Dream, Janis
Sarra and Cheryl Wade detail the reasons for this failure by
analyzing the economic exploitation of African Americans, with a
focus on predatory practices in the home mortgage context. They
also examine the failure of reform and litigation efforts
ostensibly aimed at addressing this form of racial discrimination.
This research, augmented by first-hand narratives, provides
invaluable insight into the racial wealth gap by vividly
illustrating the predation that targets African-American consumers
and examining the intentionally obfuscating settlement terms of
cases brought by the U.S. Department of Justice, states attorneys,
and municipalities. The authors conclude by offering structural,
systemic changes to address predatory practices. This important
work should be read by anyone seeking to understand racial
inequality in the United States.
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