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Author: Annelise Riles
Publisher: Cornell University Press
ISBN: 1501732730
Category : Political Science
Languages : en
Pages : 101
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Book Description
Government bailouts; negative interest rates and markets that do not behave as economic models tell us they should; new populist and nationalist movements that target central banks and central bankers as a source of popular malaise; new regional organizations and geopolitical alignments laying claim to authority over the global economy; households, consumers, and workers facing increasingly intolerable levels of inequality: These dramatic conditions seem to cry out for new ways of understanding the purposes, roles, and challenges of central banks and financial governance more generally. Financial Citizenship reveals that the conflicts about who gets to decide how central banks do all these things, and about whether central banks are acting in everyone’s interest when they do them, are in large part the product of a culture clash between experts and the various global publics that have a stake in what central banks do. Experts—central bankers, regulators, market insiders, and their academic supporters—are a special community, a cultural group apart from many of the communities that make up the public at large. When the gulf between the culture of those who govern and the cultures of the governed becomes unmanageable, the result is a legitimacy crisis. This book is a call to action for all of us—experts and publics alike—to address this legitimacy crisis head on, for our economies and our democracies.
Author: Annelise Riles
Publisher: Cornell University Press
ISBN: 1501732730
Category : Political Science
Languages : en
Pages : 101
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Book Description
Government bailouts; negative interest rates and markets that do not behave as economic models tell us they should; new populist and nationalist movements that target central banks and central bankers as a source of popular malaise; new regional organizations and geopolitical alignments laying claim to authority over the global economy; households, consumers, and workers facing increasingly intolerable levels of inequality: These dramatic conditions seem to cry out for new ways of understanding the purposes, roles, and challenges of central banks and financial governance more generally. Financial Citizenship reveals that the conflicts about who gets to decide how central banks do all these things, and about whether central banks are acting in everyone’s interest when they do them, are in large part the product of a culture clash between experts and the various global publics that have a stake in what central banks do. Experts—central bankers, regulators, market insiders, and their academic supporters—are a special community, a cultural group apart from many of the communities that make up the public at large. When the gulf between the culture of those who govern and the cultures of the governed becomes unmanageable, the result is a legitimacy crisis. This book is a call to action for all of us—experts and publics alike—to address this legitimacy crisis head on, for our economies and our democracies.
Author: Frederick F. Wherry
Publisher: Russell Sage Foundation
ISBN: 1610448847
Category : Social Science
Languages : en
Pages : 176
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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: Guido Comparato
Publisher: Bloomsbury Publishing
ISBN: 1509919244
Category : Law
Languages : en
Pages : 387
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Book Description
This book discusses the role of private law as an instrument to produce financial and social inclusion in a context characterised by the redefinition of the role of the State and by the financialisation of society. By depicting the political and economic developments behind the popular idea of financial inclusion, the book deconstructs that notion, illustrating the existence and interaction of different discourses surrounding it. The book further traces the evolution of inclusion, specifically in the European context, and thus moves on to analyse the legal rules which are most relevant for the purposes of bringing about the financialisation of the citizen. Hence, the author focuses more on four highly topical areas: access to a bank account, access to credit, over indebtedness, and financial education. Adopting a critical and inter-disciplinary approach, The Financialisation of the Citizen takes the reader through a top-down journey starting from the political economy of financialisation, to the law and policy of the European Union, and finally to more specific private law rules.
Author: Atossa Araxia Abrahamian
Publisher:
ISBN: 9780990976363
Category : Social Science
Languages : en
Pages : 166
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Book Description
The cosmopolites are literally "citizens of the world," from the Greek word kosmos, meaning "world," and polites, or "citizen." Garry Davis, aka World Citizen No. 1, and creator of the World Passport, was a former Broadway actor and World War II bomber pilot who renounced his American citizenship in 1948 as a form of protest against nationalism, sovereign borders, and war. Today there are cosmopolites of all stripes, rich or poor, intentional or unwitting, from 1-percenters who own five passports thanks to tax-havens to theBidoon, the stateless people of countries like the United Arab Emirates. Journalist Atossa Abrahamian, herself a cosmopolite, travels around the globe to meet the people who have come to embody an increasingly fluid, borderless world. Along the way you are introduced to a colorful cast of characters, including passport-burning atheist hackers, the new Knights of Malta, California libertarian "seasteaders," who are residents of floating city-states,Bidoons, who have been forced to be citizens of the island nation Comoros, entrepreneurs in the business of buying and selling passports, cosmopolites who live on a luxury cruise ship calledThe World, and shady businessmen with ties to Syrian dictator Bashar al Assad.
Author: Peter Dietsch
Publisher: John Wiley & Sons
ISBN: 1509525807
Category : Philosophy
Languages : en
Pages : 78
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Book Description
Central banks have become the go-to institution of modern economies. In the wake of the 2007 financial crisis, they injected trillions of dollars of liquidity – through a process known as quantitative easing – first to prevent financial meltdown and later to stimulate the economy. The untold story behind these measures, and behind the changing roles of central banks generally, is that they have come at a considerable cost. Central banks argue we had no choice. This book offers a powerfully original examination of why this claim is false. Using examples from Europe and the US, the authors present and analyse three specific concerns about the way central banks in developed economies operate today. Firstly, they show how unconventional monetary policies have created significant unintended negative consequences in terms of inequalities in income and wealth. They go on to argue that central banks may have become independent of governments, but have instead become worryingly dependent on financial markets. They then proceed to analyse how central bankers, despite being the undisputed experts on monetary policy, can still err and suffer from multiple forms of bias. This book is a sobering and urgent wake-up call for policy-makers and anyone interested in how our monetary and financial system really works.
Author: Petra A. Robinson
Publisher: Routledge
ISBN: 1000403408
Category : Education
Languages : en
Pages : 333
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Book Description
This book promotes the development of nontraditional literacies in adult education, especially as these critical literacies relate to global citizenship, equity, and social justice. As this edited collection argues, a rapidly changing global environment and proliferation of new media technologies have greatly expanded the kinds of literacies that one requires in order to be an engaged global citizen. It is imperative for adult educators and learners to understand systems, organizations, and relationships that influence our lives as citizens of the world. By compiling a comprehensive list of foundational, sociocultural, technological and informational, psychosocial and environmental, and social justice literacies, this volume offers readers theoretical foundations, practical strategies, and additional resources.
Author: Detroit Arab American Study Group
Publisher: Russell Sage Foundation
ISBN: 1610446135
Category : Social Science
Languages : en
Pages : 310
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Book Description
Is citizenship simply a legal status or does it describe a sense of belonging to a national community? For Arab Americans, these questions took on new urgency after 9/11, as the cultural prejudices that have often marginalized their community came to a head. Citizenship and Crisis reveals that, despite an ever-shifting definition of citizenship and the ease with which it can be questioned in times of national crisis, the Arab communities of metropolitan Detroit continue to thrive. A groundbreaking study of social life, religious practice, cultural values, and political views among Detroit Arabs after 9/11, Citizenship and Crisis argues that contemporary Arab American citizenship and identity have been shaped by the chronic tension between social inclusion and exclusion that has been central to this population's experience in America. According to the landmark Detroit Arab American Study, which surveyed more than 1,000 Arab Americans and is the focus of this book, Arabs express pride in being American at rates higher than the general population. In nine wide-ranging essays, the authors of Citizenship and Crisis argue that the 9/11 backlash did not substantially transform the Arab community in Detroit, nor did it alter the identities that prevail there. The city's Arabs are now receiving more mainstream institutional, educational, and political support than ever before, but they remain a constituency defined as essentially foreign. The authors explore the role of religion in cultural integration and identity formation, showing that Arab Muslims feel more alienated from the mainstream than Arab Christians do. Arab Americans adhere more strongly to traditional values than do other Detroit residents, regardless of religion. Active participants in the religious and cultural life of the Arab American community attain higher levels of education and income, yet assimilation to the American mainstream remains important for achieving enduring social and political gains. The contradictions and dangers of being Arab and American are keenly felt in Detroit, but even when Arab Americans oppose U.S. policies, they express more confidence in U.S. institutions than do non-Arabs in the general population. The Arabs of greater Detroit, whether native-born, naturalized, or permanent residents, are part of a political and historical landscape that limits how, when, and to what extent they can call themselves American. When analyzed against this complex backdrop, the results of The Detroit Arab American Study demonstrate that the pervasive notion in American society that Arabs are not like "us" is simply inaccurate. Citizenship and Crisis makes a rigorous and impassioned argument for putting to rest this exhausted cultural and political stereotype.
Author: Carmela Aprea
Publisher: Springer
ISBN: 9811003602
Category : Education
Languages : en
Pages : 708
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Book Description
This Handbook presents in-depth research conducted on a myriad of issues within the field of financial literacy. Split into six sections, it starts by presenting prevalent conceptions of financial literacy before covering financial literacy in the policy context, the state and development of financial literacy within different countries, issues of assessment and evaluation of financial literacy, approaches to teaching financial literacy, and teacher training and teacher education in financial literacy. In doing so, it provides precise definitions of the construct of financial literacy and elaborates on the state and recent developments of financial literacy around the world, to show ways of measuring and fostering financial literacy and to give hints towards necessary and successful teacher trainings. The book also embraces the diversity in the field by revealing contrasting and conflicting views that cannot be bridged, while at the same time making a contribution by re-joining existing materials in one volume which can be used in academic discourse, in research-workshops, in university lectures and in the definition of program initiatives within the wider field of financial literacy. It allows for a landscape of financial literacy to be depicted which would foster the implementation of learning opportunities for human beings for sake of well-being within financial living-conditions. The Handbook is useful to academics and students of the topic, professionals in the sector of investment and banking, and for every person responsible for managing his or her financial affairs in everyday life.
Author: Martha S. Jones
Publisher: Cambridge University Press
ISBN: 1107150345
Category : History
Languages : en
Pages : 269
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Book Description
Explains the origins of the Fourteenth Amendment's birthright citizenship provision, as a story of black Americans' pre-Civil War claims to belonging.
Author: OECD
Publisher: OECD Publishing
ISBN: 9264724788
Category :
Languages : en
Pages : 150
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Book Description
Widespread voluntary tax compliance plays a significant role in countries’ efforts to raise the revenues necessary to achieve Sustainable Development Goals. As part of this process, governments are increasingly reaching out to taxpayers – current and future – to teach, communicate and assist them in order to foster a “culture of compliance” based on rights and responsibilities, in which citizens see paying taxes as an integral aspect of their relationship with their government.
