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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.
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.
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.
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...
The Banker Ladies
All over the world, Black and racialized women engage in the solidarity economy through what is known as mutual aid financing. Formally referred to as rotating savings and credit associations (ROSCAs), these institutions are purposefully informal to support the women’s livelihoods and social needs, and they act to reject tiered forms of neo-liberal development. The Banker Ladies – a term coined by women in the Black diaspora – are individuals that voluntarily organize ROSCAs for self-sufficiency and are intentional in their politicized economic co-operation to counter business exclusion. Caroline Shenaz Hossein reveals how Black women redefine the banking co-operative sector to be incl...
Agricultural Land Trusts: Preserving Small Farm Heritage
The land trust is seen as a way For example, a landowner might have a bun- to both balance the legitimate rights of the indi- dle of rights to a section of land. [...] The common, and private forms of property, and trust owns the land and the lessee or the user concludes that the land trust does not fit neat- owns the improvement. [...] The land use agreement. 5 easement transfers with the title of the property In Canada, the greatest number of land trusts and may impact the market value of the property. [...] There is a growing interest A "positive easement" gives the holder of the in housing trusts (CLTs), which are much more easement the right to enter on the land for a par- common in the U. S. Agricultural land trusts are ticular reason. [...] The development of agricultural land for free, where the restrictive nature of the ease- trusts is a relatively new phenomenon, and most ment is consistent with the landowner's long term of them are designed to address the issue of farm- desire for how the land is to be used.
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...
Organic Farming
Drawing on scientific research, this book: reviews the organic farming sector in the 21st century and the policies developed towards it; assesses its contributions to the environment, food quality, farmers' incomes; and makes a detailed range of recommendations for future organic farming policy.
Integrating Science and Policy
As progress towards a greater knowledge in sustainability science continues, the question of how better to integrate scientific progress with actual decisions made by practitioners remains paramount. This book aims to help close the gap between science and practice. Based on a two year collaborative project between Harvard and Clark Universities, the book takes as its focus the vulnerability and resilience of people around the world to the effects of environmental change, a mature area of research in which one might expect the gap between science and policy/practice to have been extensively bridged. The book presents analysis of past studies, interviews conducted with the producers and users...
Law and Catastrophe
The study of catastrophe is a growth industry. Today, cosmologists scan the heavens for asteroids of the kind that smashed into earth some ninety million years ago, leading to the swift extinction of the dinosaurs. Climatologists create elaborate models of the chaotic weather and vast flooding that will result from the continued buildup of greenhouse gases in the planet's atmosphere. Terrorist experts and homeland security consultants struggle to prepare for a wide range of possible biological, chemical, and radiological attacks: aerated small pox virus spread by a crop duster, botulism dumped into an urban reservoir, a dirty bomb detonated in a city center. Yet, strangely, law's role in the...
