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Author: Daniel Joseph Gagnier
Publisher:
ISBN:
Category :
Languages : en
Pages : 4
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Author: Daniel Joseph Gagnier
Publisher:
ISBN:
Category :
Languages : en
Pages : 4
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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: Dafna N. Izraeli
Publisher:
ISBN:
Category :
Languages : en
Pages : 38
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Author: Gregory Smith
Publisher: Oxford University Press
ISBN: 019764421X
Category : Business & Economics
Languages : en
Pages : 230
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Book Description
Borrowing is a crucial source of financing for governments all over the world. If they get it wrong, then debt crises can bring progress to a halt. But if it's done right, investment happens and conditions improve. African countries are seeking calmer capital, to raise living standards and give their economies a competitive edge. The African debt landscape has changed radically in the first two decades of the twenty-first century. Since the clean slate of extensive debt relief, states have sought new borrowing opportunities from international capital markets and emerging global powers like China. The new debt composition has increased risk, exacerbated by the 2020 coronavirus pandemic: richer countries borrowed at rock-bottom interest rates, while Africa faced an expensive jump in indebtedness. The escalating debt burden has provoked calls by the G20 for suspension of debt payments. But Africa's debt today is highly complex, and owed to a wider range of lenders. A new approach is needed, and could turn crisis into opportunity. Urgent action by both lenders and borrowers can reduce risk, while carefully preserving market access; and smart deployment of private finance can provide the scale of investment needed to achieve development goals and tackle the climate emergency.
![Giving Credit where Credit is Due [microform] : Attributions by Actors and Observers in a Teaching Situation PDF](https://books.google.com/books/content/images/frontcover/_34SPwAACAAJ?fife=w80-h100)
Author: Allen Morley Greenberg
Publisher: National Library of Canada = Bibliothèque nationale du Canada
ISBN:
Category :
Languages : en
Pages : 498
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Author: Carol Burnell
Publisher:
ISBN: 9781636350288
Category :
Languages : en
Pages :
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Book Description
An interactive, multimedia text that introduces students to reading and writing at the college level.
Author: Gina L. LaRocco
Publisher:
ISBN:
Category :
Languages : en
Pages :
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Author: Sara Gesuato
Publisher:
ISBN:
Category :
Languages : en
Pages : 1462
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Author: Austin Kleon
Publisher: Workman Publishing
ISBN: 0761185682
Category : Games & Activities
Languages : en
Pages : 225
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Book Description
From the New York Times bestselling author of Steal Like an Artist and Show Your Work! comes an interactive journal and all-in-one logbook to get your creative juices flowing, and keep a record of your ideas and discoveries. The Steal Like an Artist Journal is the next step in your artistic journey. It combines Austin Kleon’s unique and compelling ideas with the physical quality that makes journals like Moleskines so enormously popular. Page after page of ideas, prompts, quotes, and exercises are like a daily course in creativity. There are lists to fill in—Ten Things I Want to Learn, Ten Things I Probably Think About More Than the Average Person. Challenges to take. Illustrated creative exercises—Make a Mixtape (for someone who doesn’t know you) and Fill in the Speech Balloons. Pro and con charts—What Excites You?/What Drains You? The journal has an elastic band for place-marking and a special pocket in the back—a “swipe file” to store bits and pieces of inspiration. Because if you want to steal like an artist, you need a place to keep your loot.
Author: Wai-Jin Wong
Publisher:
ISBN:
Category : Ratings agencies (Finance)
Languages : en
Pages : 78
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Book Description
