A Policy Framework for Addressing Over-Indebtedness PDF Download
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Author:
Publisher: Combat Poverty Agency
ISBN: 1905485816
Category :
Languages : en
Pages : 45
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Book Description
Author:
Publisher: Combat Poverty Agency
ISBN: 1905485816
Category :
Languages : en
Pages : 45
Get Book Here
Book Description
Author:
Publisher:
ISBN:
Category : Consumer credit
Languages : en
Pages : 10
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Book Description
"There has not been a standard definition of over-indebtedness which is accepted throughout the Union. This is one of the reasons why there are no comparable statistics about the current state, extent and past development of over-indebtedness within individual Member States. Such a lack hampers the evaluation of policy measures and undermines any well-founded discussion about the effectiveness of prevention measures."--Introduction.
Author: Heikki Hiilamo
Publisher: Edward Elgar Publishing
ISBN: 1785369873
Category : Business & Economics
Languages : en
Pages : 253
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Book Description
The trajectories of increasing household debt are studied in the contexts of the US and the UK, Germany, the Netherlands, Finland and Norway. Household Debt and Economic Crises examines remedies to prevent and alleviate the over-indebtedness epidemic, creating a conceptual framework with which to analyse the causes and consequences of debt. Hiilamo argues that social policies are needed to tackle the current borrowing crisis that endangers and prevents the full participation in society of individuals with excessive debts.
Author: International Monetary Fund. Monetary and Capital Markets Department
Publisher: International Monetary Fund
ISBN: 1498339174
Category : Business & Economics
Languages : en
Pages : 33
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Book Description
MCM conducted a survey in December 2010 to take stock of international experiences with financial stability and the evolving macroprudential policy framework. The survey was designed to seek information in three broad areas: the institutional setup for macroprudential policy, the analytical approach to systemic risk monitoring, and the macroprudential policy toolkit. The survey was sent to 63 countries and the European Central Bank (ECB), including all countries in the G-20 and those subject to mandatory Financial Sector Assessment Programs (FSAPs). The target list is designed to cover a broad range of jurisdictions in all regions, but more weight is given to economies that are systemically important (see Annex for details). The response rate is 80 percent. This note provides a summary of the survey’s main findings.
Author: Andreas Wiedemann
Publisher: Cambridge University Press
ISBN: 1108983715
Category : Political Science
Languages : en
Pages : 345
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Book Description
In many rich democracies, access to financial markets is now a prerequisite for fully participating in labor and housing markets and pursuing educational opportunities. Indebted Societies introduces a new social policy theory of everyday borrowing to examine how the rise of credit as a private alternative to the welfare state creates a new kind of social and economic citizenship. Andreas Wiedemann provides a rich study of income volatility and rising household indebtedness across OECD countries. Weaker social policies and a flexible knowledge economy have increased costs for housing, education, and raising a family - forcing many people into debt. By highlighting how credit markets interact with welfare states, the book helps explain why similar groups of people are more indebted in some countries than others. Moreover, it addresses the fundamental question of whether individuals, states, or markets should be responsible for addressing socio-economic risks and providing social opportunities.
Author: Zach Roche
Publisher: Policy Press
ISBN: 1529231175
Category : Social Science
Languages : en
Pages : 211
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Book Description
Capitalism only celebrates success, and it can be difficult to know what to do when confronted with failure. This book explores what happens when people go broke and what the experience of bankruptcy and insolvency is like from a qualitative perspective. It shows, contrary to the expectations of policy makers, that debt relief is not transactional. Rather, it is moral, theological, social and cultural. The book demonstrates that debt encompasses fairness, trust, faith, sin, guilt, revelation and confession and that taking these factors seriously is vital to successfully navigating the world of the over-indebted.
Author: Aida A. Hozic
Publisher: Oxford University Press
ISBN: 0190204257
Category : Political Science
Languages : en
Pages : 353
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Book Description
Of all of the lies, fragile alliances, and predatory financial dealings that have been revealed in the wake of the Global Financial Crisis of 2008, we have yet to come to terms with the ways in which structural inequalities around gender and race factor into (and indeed make possible) the current economic order. Scandalous Economics is about "silences" - the astonishing neglect of gender and race in explanations of the Global Financial Crisis. But, it is also about "noises" - the sexual scandals and gendered austerity policies that have relegated public debate, and the crisis itself, into political oblivion. While feminist economists and movements such as Occupy Wall Street have pointed to the distributional inequalities that are an effect of financial deregulation, scholars haven't really grappled with the representational inequalities inherent in the way we view the politics of the market. For example, capitalism won't be made more equitable simply by appointing women to leadership positions within financial firms or corporations. And the next crisis will not be averted if our understandings of gendered inequalities are framed by sexual scandals in media and popular culture. We need to look at the activities and the privileges of the advantaged - the "TED women" of the crisis -- as much as the victimization of the disadvantaged - to fully grasp the interplay between gender and economy in this fragile age of restoration. Scandalous Economics breaks new ground by doing precisely this. It argues that normalization of the post-GFC economic order in the face of its obvious breakdown(s) has been facilitated by co-optation of feminist and queer perspectives into national and international responses to the crisis. Scandalous Economics builds upon the Occupy movement and other critical analysis of the GFC to comprehensively examine gendered material, ideational and representational dimensions that have served to make the crisis and its effects, 'the new normal' in Europe and America as well as Latin America and Asia.
Author: Mindaugas Leika
Publisher: International Monetary Fund
ISBN: 1484326792
Category : Business & Economics
Languages : en
Pages : 56
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Book Description
Household financial fragility has received considerable attention following the global financial crisis, but substantial gaps remain in the analytical underpinnings of household financial vulnerability assessment, as well as in data availability. This paper aims at integrating the contributions in the literature in a coherent fashion. The study proposes also analytical and estimation extensions aimed at improving the quality of estimates and allowing the assessment of household financial vulnerability in presence of data limitations. The result of this effort is a comprehensive framework, that has wide applicability to both advanced and developing economies. For illustrative purposes the paper includes a detailed application to one developing country (Namibia).
Author: Laurana Rayne
Publisher: Laurana Rayne
ISBN: 1481140116
Category : Business & Economics
Languages : en
Pages : 412
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Book Description
Conscious Spending, Conscious Life is a manual for anyone who wants to move from unconscious consumption to conscious spending. Why would you? In a consumer world, it's incredibly easy to make poor choices that haunt us for years. Usually, we are deep in difficulty by the time anyone stops us. The best approach is conscious spending. Presenting a timeless philosophy in the context of modern life, Conscious Spending, Conscious Life will enrich the way you look at money and at life. Packed with practical information and thought-provoking ideas, it helps you think for yourself and make satisfying decisions. Based on Laurana Rayne's long-time experience as a college instructor, Conscious Spending, Conscious Life is sprinkled with personal anecdotes, relevant stories, clearly-written examples, and useful diagrams. This is not a textbook. Int is intended to inspire everyone to broaden their perspectives, ask questions, think independently, and cultivate common sense, Parents and grandparents will recognize it as a worthwhile resource for family members starting out on their own. Those with more life experience will find valuable perspectives to augment their current thinking about money and their lives. It's the kind of book that can be reread many times, in whole or in part, because what the reader derives will vary depending on his or her stage in life.
Author: Thomas Laryea
Publisher: International Monetary Fund
ISBN: 1462376770
Category : Business & Economics
Languages : en
Pages : 30
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Book Description
This paper examines the estimated compliance with the macroeconomic convergence targets for 2008, based on estimates contained in the IMF’s Regional Economic Outlook: Sub-Saharan Africa (the REO). SADC’s regional economic integration agenda includes a macroeconomic convergence program, intended to achieve and maintain macroeconomic stability in the region, thereby contributing to faster economic growth and laying the basis for eventual monetary union. Targets for key macroeconomic variables have been set out for 2008, 2012, and 2018. Most SADC member states have recorded solid macroeconomic performance in recent years, in general coming close to, and in many cases surpassing, the convergence targets specified for 2008. A notable exception in this regard is Zimbabwe, which was in the grip of hyperinflation. The macroeconomic targets for 2012 are ambitious and, in some cases, warrant further evaluation, given that achieving the targets may be neither necessary nor sufficient to achieve good macroeconomic results.
