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Building financial resilience : do credit and finance schemes serve or impoverish vulnerable people? /

Bibliographic Details
Main Author: Buckland, Jerry, 1961- (Author)
Corporate Author: SpringerLink (Online service)
Format: Online Book
Published: Cham, Switzerland : Palgrave Macmillan, [2018]
Online Access:Online version
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Table of Contents:
  • Intro; Foreword; Acknowledgments; Contents; List of Figures; List of Tables; Chapter 1: Introduction; General Approach; Actors Engaged in Credit and Finance Schemes; Bibliography; Chapter 2: Financial Inclusion and Building Financial Resilience; Financialization; Views about Financialization and the Financialization of the Everyday; Causes and Effects of Financialization; Financialization and Human Motivations; Financial Inclusion; Indicators of Financialization and Financial Inclusion; Poverty, Capability, and Financial Resilience; Types of and Views About Poverty
  • Human Capability and Financial ResilienceRecent History of Money and Banking; The Changing Role of Actors in Credit and Finance Schemes; Discussion; Bibliography; Chapter 3: New Areas of Commercial Banking Directed at Vulnerable People: Payday Lending and Mobile Banking; Firm Motivation, Politics, and Ethical Considerations; Motives and Markets of Financial Institutions; The Political Influence of Financial Institutions; Ethical Issues and Usury; Information Technologies and Banking; Financial Institutions That Offer Services to Poor People
  • Early Roots of Fringe Banks: Pawnshops and Check CashersInformal Financial Services; Traditional Moneylenders and Loan Sharks; Traditional Social Finance; New Commercial Financial Services Directed at Low-Income People: Payday Lending and Mobile Banking; Fringe Banks and Payday Lending; Payday Loans and Lenders; Other Transactions Services Payday Lenders Offer; Other Fringe Banks; The "Corporatization" of Payday Lenders and Fringe Banks; DFC Global Corporation; Mainstream Banks and Mobile Banking; Mobile Banking
  • Mobile Banking: Constraints to Adoption and Contribution to Broad-¬≠Based Economic DevelopmentM-PESA and bKash; Problems Identified with Mobile Banking; Pilot Survey Results; Discussion; Bibliography; Chapter 4: Financialization and Consumer Behavior; Consumerism; Consumer Debt; Consumer Debt and Mental Health; Consumption and Advertising; Unpacking Human Rationality; Collective Behavior; Structural Barriers; Rational Behavior; Unpacking Bounded Rationality; Measuring Financial Literacy; Rules of Thumb That Go Wrong; Borrowing Behavior; Savings Behavior; Scarcity and Tunneling
  • From Bounded Rationality to Deliberate Decision-MakingDiscussion; Bibliography; Chapter 5: Credit, Cash, Savings, and Financial Literacy Delivered Through Civil Society; Introduction; Regional Variations in Socially Oriented Financial Programs; Microcredit, Conditional Cash Transfers, and Asset-¬≠Building Programs; Microcredit; The Concept and History; Size and Scope of Microcredit; The Diversity of the Model; Analysis of Microcredit; Impact; Cash Transfers; Current Scope and Size; Impact; Asset Building; The Concept and History; The Current Scope and Size; Analysis and Impact