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Fringe Banking in Winnipeg's North End

Author: Jerry Buckland

Publisher: Canadian Centre Policy Alternatives

Published: 2005

Total Pages: 55

ISBN-13: 0886274281

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The geographic boundaries of the North End, as determined by the North End Community Renewal Corporation, is north of the CPR tracks, south of Caruthers Avenue, east of McPhillips Street, and west of the Red River. [...] This 5 In his examination of fringe banking in the US, Caskey (1994, p. 84) argues that a chief reason for their rise is the increase in the number of households without bank accounts, rising from 9.5% of the US population in 1977 to 13.5% in 1989, the result of processes affecting banks (supply side) and bank clients (demand side). [...] The second focus credit risk related to high levels of debt-servicing and personal bankruptcy; the contraction in the bank and finance company supply of non-revolving, unsecured loans; the growing numbers of people with higher credit risk due to increased legal and illegal immigration to the US; the increase in gold prices; the growing awareness among entrepreneurs of the profits in fringe banking [...] Winnipeg and the 16.5% of the population of the North End, North End both have around 13.5% of comprise a smaller percentage at 11.9% their population over the age of retire- of the population of Winnipeg. [...] This is sub- the number of people contributing income stantially higher than the 35% average in to a household, the greater the likelihood the rest of Winnipeg.

Book Synopsis Fringe Banking in Winnipeg's North End by : Jerry Buckland

Download or read book Fringe Banking in Winnipeg's North End written by Jerry Buckland and published by Canadian Centre Policy Alternatives. This book was released on 2005 with total page 55 pages. Available in PDF, EPUB and Kindle. Book excerpt: The geographic boundaries of the North End, as determined by the North End Community Renewal Corporation, is north of the CPR tracks, south of Caruthers Avenue, east of McPhillips Street, and west of the Red River. [...] This 5 In his examination of fringe banking in the US, Caskey (1994, p. 84) argues that a chief reason for their rise is the increase in the number of households without bank accounts, rising from 9.5% of the US population in 1977 to 13.5% in 1989, the result of processes affecting banks (supply side) and bank clients (demand side). [...] The second focus credit risk related to high levels of debt-servicing and personal bankruptcy; the contraction in the bank and finance company supply of non-revolving, unsecured loans; the growing numbers of people with higher credit risk due to increased legal and illegal immigration to the US; the increase in gold prices; the growing awareness among entrepreneurs of the profits in fringe banking [...] Winnipeg and the 16.5% of the population of the North End, North End both have around 13.5% of comprise a smaller percentage at 11.9% their population over the age of retire- of the population of Winnipeg. [...] This is sub- the number of people contributing income stantially higher than the 35% average in to a household, the greater the likelihood the rest of Winnipeg.

Payday Lending in Canada in a Global Context

Author: Jerry Buckland

Publisher: Springer

Published: 2018-03-29

Total Pages: 245

ISBN-13: 3319712136

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This book analyzes the highly contentious payday lending industry, presenting valuable new data collected during Canada's recent regulatory reviews and demonstrating its relevance to payday lending conversations taking place worldwide. The authors treat the industry with a balanced hand by establishing its importance as an example of financialization and acknowledging the complex impact of payday lending services on low-income and credit-constrained clients. Up-to-date data from an interdisciplinary mix of financial, econometric, legal, behavioral economic, and socioeconomic sources—all in the context of an established Canadian industry—provide both proponents and opponents of payday lending with valuable evidence for their discussions of how much regulation is required to minimize harmful consequences. These insights from Canada expand a US-centric conversation and provide a key resource for the growing list of countries in which the industry is present, from the UK and Poland to South Africa and Australia.

Book Synopsis Payday Lending in Canada in a Global Context by : Jerry Buckland

Download or read book Payday Lending in Canada in a Global Context written by Jerry Buckland and published by Springer. This book was released on 2018-03-29 with total page 245 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book analyzes the highly contentious payday lending industry, presenting valuable new data collected during Canada's recent regulatory reviews and demonstrating its relevance to payday lending conversations taking place worldwide. The authors treat the industry with a balanced hand by establishing its importance as an example of financialization and acknowledging the complex impact of payday lending services on low-income and credit-constrained clients. Up-to-date data from an interdisciplinary mix of financial, econometric, legal, behavioral economic, and socioeconomic sources—all in the context of an established Canadian industry—provide both proponents and opponents of payday lending with valuable evidence for their discussions of how much regulation is required to minimize harmful consequences. These insights from Canada expand a US-centric conversation and provide a key resource for the growing list of countries in which the industry is present, from the UK and Poland to South Africa and Australia.

New Frontiers in Banking Services

Author: Luisa Anderloni

Publisher: Springer Science & Business Media

Published: 2007-03-21

Total Pages: 376

ISBN-13: 3540464980

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The book is devoted to a subject which deserves growing attention from policy makers, financial operators and academics. It is the issue of unbanking or underbanking in developed countries. With respect to this, the goal of the authors has been to devote more efforts to understanding the problem of financial exclusion in order to offer to low-moderate-income people new opportunities of accessing financial services (banking, credit and investment services).

Book Synopsis New Frontiers in Banking Services by : Luisa Anderloni

Download or read book New Frontiers in Banking Services written by Luisa Anderloni and published by Springer Science & Business Media. This book was released on 2007-03-21 with total page 376 pages. Available in PDF, EPUB and Kindle. Book excerpt: The book is devoted to a subject which deserves growing attention from policy makers, financial operators and academics. It is the issue of unbanking or underbanking in developed countries. With respect to this, the goal of the authors has been to devote more efforts to understanding the problem of financial exclusion in order to offer to low-moderate-income people new opportunities of accessing financial services (banking, credit and investment services).

Hard Choices

Author: Jerry Buckland

Publisher: University of Toronto Press

Published: 2012-03-30

Total Pages: 289

ISBN-13: 1442662611

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When low-income city dwellers lack access to mainstream banking services, many end up turning to ‘fringe banks,’ such as cheque-cashers and pawnshops, for some or all of their financial transactions. This predicament of ‘financial exclusion’ – faced by those underserved by conventional financial institutions – is comprehensively examined in Jerry Buckland's powerful study, Hard Choices. The first account of the nature and causes of financial exclusion in Canada, Hard Choices thoroughly integrates economic and social data on consumer choice, bank behaviour, and government policy. Buckland demonstrates why the current two-tier system of banking is becoming increasingly dysfunctional, especially in the context of new credit products that aggravate income inequality and stifle local economic growth. Featuring a foreword by esteemed economics scholar John P. Caskey, Hard Choices presents pragmatic policy improvements on both the public and private levels that can promote and build financial inclusion for all.

Book Synopsis Hard Choices by : Jerry Buckland

Download or read book Hard Choices written by Jerry Buckland and published by University of Toronto Press. This book was released on 2012-03-30 with total page 289 pages. Available in PDF, EPUB and Kindle. Book excerpt: When low-income city dwellers lack access to mainstream banking services, many end up turning to ‘fringe banks,’ such as cheque-cashers and pawnshops, for some or all of their financial transactions. This predicament of ‘financial exclusion’ – faced by those underserved by conventional financial institutions – is comprehensively examined in Jerry Buckland's powerful study, Hard Choices. The first account of the nature and causes of financial exclusion in Canada, Hard Choices thoroughly integrates economic and social data on consumer choice, bank behaviour, and government policy. Buckland demonstrates why the current two-tier system of banking is becoming increasingly dysfunctional, especially in the context of new credit products that aggravate income inequality and stifle local economic growth. Featuring a foreword by esteemed economics scholar John P. Caskey, Hard Choices presents pragmatic policy improvements on both the public and private levels that can promote and build financial inclusion for all.

Financial Vulnerability in Canada

Author: Jerry Buckland

Publisher: Springer Nature

Published: 2022-03-02

Total Pages: 191

ISBN-13: 3030925811

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This book examines financial vulnerability: a state in which a person or household cannot absorb any substantial spending or negative income shock without substantial financial and ultimately broader harm such as job loss, emotional harm, or mental illness. The focus of the book is on the experiences of low- income and modest income Canadian families – families which, by virtue of being in the lower income brackets, are particularly at risk of experiencing financial hardship. Looking at vulnerability from a conceptual and empirical lens, this book offers a framework to better understand the complex and interdependent ways in which financial vulnerability emerge and can be addressed. By locating its analysis of individual and household financial management in wider community, cultural, and economic contexts, this book seeks to offer holistic policy recommendations to reduce financial vulnerability, with implications that go beyond Canada and to other developed countries.

Book Synopsis Financial Vulnerability in Canada by : Jerry Buckland

Download or read book Financial Vulnerability in Canada written by Jerry Buckland and published by Springer Nature. This book was released on 2022-03-02 with total page 191 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book examines financial vulnerability: a state in which a person or household cannot absorb any substantial spending or negative income shock without substantial financial and ultimately broader harm such as job loss, emotional harm, or mental illness. The focus of the book is on the experiences of low- income and modest income Canadian families – families which, by virtue of being in the lower income brackets, are particularly at risk of experiencing financial hardship. Looking at vulnerability from a conceptual and empirical lens, this book offers a framework to better understand the complex and interdependent ways in which financial vulnerability emerge and can be addressed. By locating its analysis of individual and household financial management in wider community, cultural, and economic contexts, this book seeks to offer holistic policy recommendations to reduce financial vulnerability, with implications that go beyond Canada and to other developed countries.

House of Commons Debates, Official Report

Author: Canada. Parliament. House of Commons

Publisher:

Published: 2007

Total Pages: 618

ISBN-13:

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Book Synopsis House of Commons Debates, Official Report by : Canada. Parliament. House of Commons

Download or read book House of Commons Debates, Official Report written by Canada. Parliament. House of Commons and published by . This book was released on 2007 with total page 618 pages. Available in PDF, EPUB and Kindle. Book excerpt:

North Carolina Banking Institute

Author:

Publisher:

Published: 2005

Total Pages: 934

ISBN-13:

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Book Synopsis North Carolina Banking Institute by :

Download or read book North Carolina Banking Institute written by and published by . This book was released on 2005 with total page 934 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Building Financial Resilience

Author: Jerry Buckland

Publisher: Springer

Published: 2018-02-19

Total Pages: 270

ISBN-13: 3319724193

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This book examines how credit and finance schemes affect the financial lives of vulnerable people around the world. These schemes include payday lending, matched savings, and financial literacy in the Global North, and micro-credit and mobile banking in the Global South. Buckland sets these schemes within the context of financialization and seeks to identify strengths, weaknesses, and ways to enhance the well-being of vulnerable people. This book’s coverage of a wide range of financial products and geographic regions makes for a unique and innovative perspective on this topic. It presents a balanced critique of credit and finance schemes under the assumption that reform is the most practical means to improve human well-being.

Book Synopsis Building Financial Resilience by : Jerry Buckland

Download or read book Building Financial Resilience written by Jerry Buckland and published by Springer. This book was released on 2018-02-19 with total page 270 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book examines how credit and finance schemes affect the financial lives of vulnerable people around the world. These schemes include payday lending, matched savings, and financial literacy in the Global North, and micro-credit and mobile banking in the Global South. Buckland sets these schemes within the context of financialization and seeks to identify strengths, weaknesses, and ways to enhance the well-being of vulnerable people. This book’s coverage of a wide range of financial products and geographic regions makes for a unique and innovative perspective on this topic. It presents a balanced critique of credit and finance schemes under the assumption that reform is the most practical means to improve human well-being.

Sex Workers in the Maritimes Talk Back

Author: Leslie Ann Jeffrey

Publisher: UBC Press

Published: 2011-11-01

Total Pages: 290

ISBN-13: 0774840307

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Sex workers are often the "objects" of study for academics and policy makers. Theories about their lives and the policies that affect their work are usually developed without input from the sex workers themselves, as they are rarely seen as capable of analyzing the social and political world in which they work. In this book, however, sex workers set the tone. Leslie Ann Jeffrey and Gayle MacDonald interview sex workers in three Maritime cities and those who work around them: police, health-care providers, community workers/advocates, members of neighbourhood associations, and politicians. The sex workers discuss such issues as violence and safety, health and risk, politics and policy, media influence, and public perception of the trade, portraying the best and the worst facets of their working lives and expressing sentiments refreshingly at odds with commonly held opinions. Given recent Parliamentary recommendations to decriminalize prostitution, Sex Workers in the Maritimes Talk Back represents a timely shift to public discussions about sex work. Engaging and accessible, this book will be of interest to public policy practitioners, students of social and political science, community advocates, police, and sex workers and their families.

Book Synopsis Sex Workers in the Maritimes Talk Back by : Leslie Ann Jeffrey

Download or read book Sex Workers in the Maritimes Talk Back written by Leslie Ann Jeffrey and published by UBC Press. This book was released on 2011-11-01 with total page 290 pages. Available in PDF, EPUB and Kindle. Book excerpt: Sex workers are often the "objects" of study for academics and policy makers. Theories about their lives and the policies that affect their work are usually developed without input from the sex workers themselves, as they are rarely seen as capable of analyzing the social and political world in which they work. In this book, however, sex workers set the tone. Leslie Ann Jeffrey and Gayle MacDonald interview sex workers in three Maritime cities and those who work around them: police, health-care providers, community workers/advocates, members of neighbourhood associations, and politicians. The sex workers discuss such issues as violence and safety, health and risk, politics and policy, media influence, and public perception of the trade, portraying the best and the worst facets of their working lives and expressing sentiments refreshingly at odds with commonly held opinions. Given recent Parliamentary recommendations to decriminalize prostitution, Sex Workers in the Maritimes Talk Back represents a timely shift to public discussions about sex work. Engaging and accessible, this book will be of interest to public policy practitioners, students of social and political science, community advocates, police, and sex workers and their families.