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Author: Julie Birkenmaier
Publisher: Routledge
ISBN: 1351202294
Category : Social Science
Languages : en
Pages : 151
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Book Description
Global economic recovery in the aftermath of the Great Recession has not been experienced equally: while the share of wealth owned by the richest 3% has grown, the share owned by the poorest 90% continues to decline, as reported by Oxfam in 2016. This wealth divide disproportionately affects racial and ethnic minority communities. This book underscores the importance of financial capability and asset building (FCAB) practice, policy and research during a period when vulnerable populations face increasingly difficult economic and financial realities. At the same time, retrenchment and privatization of government-sponsored social services have eroded the safety net available for families experiencing poverty or near-poverty conditions. The proliferation of products and services available from both formal and informal financial institutions highlights the need to promote FCAB to avoid and/or recover from financial difficulties, crises and poverty. The contributors to this volume disseminate findings from interventions designed to increase financial knowledge, financial management and financial access across several vulnerable populations, including immigrant communities. Further, they demonstrate the need for culturally sensitive FCAB service delivery, considering opportunities and barriers posed by past and current life situations, experiences and environments experienced by different populations. The book is aimed at policymakers, researchers and practitioners who assist financially vulnerable people. This book was originally published as a special issue of the Journal of Community Practice.
Author: Julie Birkenmaier
Publisher: Routledge
ISBN: 1351202294
Category : Social Science
Languages : en
Pages : 151
Get Book Here
Book Description
Global economic recovery in the aftermath of the Great Recession has not been experienced equally: while the share of wealth owned by the richest 3% has grown, the share owned by the poorest 90% continues to decline, as reported by Oxfam in 2016. This wealth divide disproportionately affects racial and ethnic minority communities. This book underscores the importance of financial capability and asset building (FCAB) practice, policy and research during a period when vulnerable populations face increasingly difficult economic and financial realities. At the same time, retrenchment and privatization of government-sponsored social services have eroded the safety net available for families experiencing poverty or near-poverty conditions. The proliferation of products and services available from both formal and informal financial institutions highlights the need to promote FCAB to avoid and/or recover from financial difficulties, crises and poverty. The contributors to this volume disseminate findings from interventions designed to increase financial knowledge, financial management and financial access across several vulnerable populations, including immigrant communities. Further, they demonstrate the need for culturally sensitive FCAB service delivery, considering opportunities and barriers posed by past and current life situations, experiences and environments experienced by different populations. The book is aimed at policymakers, researchers and practitioners who assist financially vulnerable people. This book was originally published as a special issue of the Journal of Community Practice.
Author: Margaret S. Sherraden
Publisher: Oxford University Press
ISBN: 0190238569
Category : Business & Economics
Languages : en
Pages : 473
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Book Description
Financial Capability and Asset Building in Vulnerable Households is the first book of its kind. It prepares students and practitioners for financial practice. This comprehensive text offers knowledge and skills to enable families to improve their financial circumstances, and to promote policies and services for household economic security and development.
Author: Julie Birkenmaier
Publisher: Oxford University Press
ISBN: 0199344167
Category : Social Science
Languages : en
Pages : 380
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Book Description
This book introduces the concept of financial capability and assembles the latest evidence from ground-breaking innovations with financially vulnerable families, and links it to education, policy, and practice. This book is a key resource for those interested in improving financial education and financial products and services for low-income families.
Author: Margaret S. Sherraden
Publisher: Oxford University Press, USA
ISBN: 0199374309
Category : Business & Economics
Languages : en
Pages : 281
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Book Description
In Financial Capability and Asset Holding in Later Life: A Life Course Perspective the concept of Financial Capability is used to underscore the importance of acquiring knowledge and skills while addressing policies and services than can build financial security.
Author: Julie Birkenmaier
Publisher: OUP USA
ISBN: 0199755957
Category : Social Science
Languages : en
Pages : 400
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Book Description
This book introduces the concept of financial capability and assembles the latest evidence from ground-breaking innovations with financially vulnerable families, and links it to education, policy, and practice. It is a key resource for those interested in improving financial education and financial products and services for low-income families.
Author:
Publisher:
ISBN:
Category : Assets (Accounting)
Languages : en
Pages : 8
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Book Description
Author: Julie Birkenmaier
Publisher: Oxford University Press
ISBN: 0199755957
Category : Business & Economics
Languages : en
Pages : 380
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Book Description
This book introduces the concept of financial capability and assembles the latest evidence from ground-breaking innovations with financially vulnerable families, and links it to education, policy, and practice. It is a key resource for those interested in improving financial education and financial products and services for low-income families.
Author: Frederick F. Wherry
Publisher: Russell Sage Foundation
ISBN: 1610448847
Category : Social Science
Languages : en
Pages : 175
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Book Description
An estimated 45 million adults in the U.S. lack a credit score at time when credit invisibility can reduce one’s ability to rent a home, find employment, or secure a mortgage or loan. As a result, individuals without credit—who are disproportionately African American and Latino—often lead separate and unequal financial lives. Yet, as sociologists and public policy experts Frederick Wherry, Kristin Seefeldt, and Anthony Alvarez argue, many people who are not recognized within the financial system engage in behaviors that indicate their credit worthiness. How might institutions acknowledge these practices and help these people emerge from the financial shadows? In Credit Where It’s Due, the authors evaluate an innovative model of credit-building and advocate for a new understanding of financial citizenship, or participation in a financial system that fosters social belonging, dignity, and respect. Wherry, Seefeldt, and Alvarez tell the story of the Mission Asset Fund, a San Francisco-based organization that assists mostly low- and moderate-income people of color with building credit. The Mission Asset Fund facilitates zero-interest lending circles, which have been practiced by generations of immigrants, but have gone largely unrecognized by mainstream financial institutions. Participants decide how the circles are run and how they will use their loans, and the organization reports their clients’ lending activity to credit bureaus. As the authors show, this system not only helps clients build credit, but also allows them to manage debt with dignity, have some say in the creation of financial products, and reaffirm their sense of social membership. The authors delve into the history of racial wealth inequality in the U.S. to show that for many black and Latino households, credit invisibility is not simply a matter of individual choices or inadequate financial education. Rather, financial marginalization is the result of historical policies that enabled predatory lending, discriminatory banking and housing practices, and the rollback of regulatory protections for first-time homeowners. To rectify these inequalities, the authors propose common sense regulations to protect consumers from abuse alongside new initiatives that provide seed capital for every child, create affordable short-term loans, and ensure that financial institutions treat low- and moderate-income clients with equal respect. By situating the successes of the Mission Asset Fund in the larger history of credit and debt, Credit Where It’s Due shows how to prioritize financial citizenship for all.
Author: R. Cramer
Publisher: Palgrave Macmillan
ISBN: 9781349481965
Category : Political Science
Languages : en
Pages : 299
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Book Description
The economy's struggles to overcome the lingering effects of the Great Recession presented unique but essential questions.The book considers a full range of data which considers how this recent experience has impacted households, providing a thorough and contemporary treatment of how the assets perspective has prompted changes within social policy.
Author: Robert B. Hudson
Publisher: JHU Press
ISBN: 1421414872
Category : Law
Languages : en
Pages : 292
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Book Description
Scholars, students, and policymakers will appreciate the volume's timely overview of the evolution of aging policy.
