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Building Financial Resilience
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.
Ploughing Up the Farm
"Ploughing Up the Farm brings together an array of evidence to show that the past twenty years - a period of "neoliberal globalization" - has brought about rural depopulation in the North, rising rural poverty in the South and environmental problems to all farming communities. Jerry Buckland calls for farm policies founded on farmer-led food security and a democratization of global institutions as the means to arrest these trends."--BOOK JACKET.
Hard Choices
"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.
Fringe Banking in Winnipeg's North End
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 com...
Financial Vulnerability in Canada
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.
Payday Lending in Canada in a Global Context
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.
Hard Choices
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.
Why Canada Needs Postal Banking
In almost half the communities in small town and rural Canada that have a post office, there are no bank or credit union branches; Only about fifty-four bank and credit union branches exist in the over 615 First Nations communities in Canada; A growing number of urban areas in Canada have no accessible banks or credit unions Why Canada Needs Postal Banking offers a plethora of information about the banking industry that will shock ordinary Canadians. In explaining the banking system that many of us take for granted, the author reveals a deep, and largely unrecognized, gap between the services offered in densely populated, urban spaces and those available in small towns, rural and remote regi...
Development and Its Diverse Aspects
Development is the agenda and the priority of almost all nations. They try to provide their people with a better way of living and better life-chances. In this attempt, they concentrate on the economic and political systems of their societies and try to improve them to achieve the target. The general feeling is that if one increases national wealth, raises physical quality of life and gives freedom to the populace to govern themselves, one achieves prosperity. The past three centuries have shown that nations have made tremendous efforts to boost their economic productions and refine the governing systems. They initiated industrialization, increased capital formation and developed sophisticat...
In Our Backyard
Beginning with the Grand Rapids Dam in the 1960s, hydroelectric development has dramatically altered the social, political, and physical landscape of northern Manitoba. The Nelson River has been cut up into segments and fractured by a string of dams, for which the Churchill River had to be diverted and new inflow points from Lake Winnipeg created to manage their capacity. Historic mighty rapids have shrivelled into dry river beds. Manitoba Hydro's Keeyask dam and generating station will expand the existing network of 15 dams and 13,800 km of transmission lines. In Our Backyard tells the story of the Keeyask dam and accompanying development on the Nelson River from the perspective of Indigeno...
