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This book examines how credit and finance schemes affect the
financial lives of vulnerable people around the world. These
schemes include payday lending, matched savings, and financial
literacy in the Global North, and micro-credit and mobile banking
in the Global South. Buckland sets these schemes within the context
of financialization and seeks to identify strengths, weaknesses,
and ways to enhance the well-being of vulnerable people. This
book's coverage of a wide range of financial products and
geographic regions makes for a unique and innovative perspective on
this topic. It presents a balanced critique of credit and finance
schemes under the assumption that reform is the most practical
means to improve human well-being.
This book analyzes the highly contentious payday lending industry,
presenting valuable new data collected during Canada's recent
regulatory reviews and demonstrating its relevance to payday
lending conversations taking place worldwide. The authors treat the
industry with a balanced hand by establishing its importance as an
example of financialization and acknowledging the complex impact of
payday lending services on low-income and credit-constrained
clients. Up-to-date data from an interdisciplinary mix of
financial, econometric, legal, behavioral economic, and
socioeconomic sources-all in the context of an established Canadian
industry-provide both proponents and opponents of payday lending
with valuable evidence for their discussions of how much regulation
is required to minimize harmful consequences. These insights from
Canada expand a US-centric conversation and provide a key resource
for the growing list of countries in which the industry is present,
from the UK and Poland to South Africa and Australia.
This book analyzes the highly contentious payday lending industry,
presenting valuable new data collected during Canada's recent
regulatory reviews and demonstrating its relevance to payday
lending conversations taking place worldwide. The authors treat the
industry with a balanced hand by establishing its importance as an
example of financialization and acknowledging the complex impact of
payday lending services on low-income and credit-constrained
clients. Up-to-date data from an interdisciplinary mix of
financial, econometric, legal, behavioral economic, and
socioeconomic sources-all in the context of an established Canadian
industry-provide both proponents and opponents of payday lending
with valuable evidence for their discussions of how much regulation
is required to minimize harmful consequences. These insights from
Canada expand a US-centric conversation and provide a key resource
for the growing list of countries in which the industry is present,
from the UK and Poland to South Africa and Australia.
This book examines how credit and finance schemes affect the
financial lives of vulnerable people around the world. These
schemes include payday lending, matched savings, and financial
literacy in the Global North, and micro-credit and mobile banking
in the Global South. Buckland sets these schemes within the context
of financialization and seeks to identify strengths, weaknesses,
and ways to enhance the well-being of vulnerable people. This
book's coverage of a wide range of financial products and
geographic regions makes for a unique and innovative perspective on
this topic. It presents a balanced critique of credit and finance
schemes under the assumption that reform is the most practical
means to improve human well-being.
This book examines financial vulnerability: a state in which a
person or household cannot absorb any substantial spending or
negative income shock without substantial financial and ultimately
broader harm such as job loss, emotional harm, or mental illness.
The focus of the book is on the experiences of low- income and
modest income Canadian families - families which, by virtue of
being in the lower income brackets, are particularly at risk of
experiencing financial hardship. Looking at vulnerability from a
conceptual and empirical lens, this book offers a framework to
better understand the complex and interdependent ways in which
financial vulnerability emerge and can be addressed. By locating
its analysis of individual and household financial management in
wider community, cultural, and economic contexts, this book seeks
to offer holistic policy recommendations to reduce financial
vulnerability, with implications that go beyond Canada and to other
developed countries.
The past twenty years - the period of 'neoliberal globalization'-
has seen an erosion of farmers' livelihoods and food security
around the world. Increasing reliance on markets and modern
technology has not generated universal farm affluence. This book
brings together an impressive array of statistical evidence to show
that neoliberalism has brought about rural depopulation in the
North, rising rural poverty in the South and environmental problems
all around the farming world. Beginning in the 1980s, neoliberal
ideology and accelerated globalization shaped farm policies
worldwide. Markets, the cornerstone of neoliberalism, were said to
provide higher prices to farmers. But evidence shows that farmgate
prices during this period have stagnated. Moreover, market-driven
growth has encouraged production of agricultural exports and
growing use of chemical inputs. Since world farm prices have been
in decline, the consequences for food security and the farm
environment are, to say the least, questionable. Neoliberal
globalization is also premised on expanding international trade
into the realms of agriculture and intellectual property. Evidence
shows that trade liberalization - implemented mainly through
structural adjustment programs and the WTO - is often biased
against Third World farmers and small farmers everywhere. The power
of transnational corporations in agricultural trade and farm
technology has grown by leaps and bounds. Evidence shows that the
corporate-driven GM-food revolution has had little positive effect
on farm livelihoods or food security. To arrest these trends, Jerry
Buckland calls for farm policies founded on farmer-led food
security and a democratization of the global institutions that have
had such detrimental effects on the world's farmers.
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