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Poverty and Social Exclusion in Britain
Includes statistical tables and graphs.
Debt management
This report highlights four main areas of ongoing concern relating to debt management: regulation of consumer debt, payday loans, debt management companies and the Money Advice Service. It makes a number of recommendations for future Government action including reforms for higher licensing fees to be charged for higher-risk credit businesses, for a fast track procedure be put in place to suspend credit licenses, and for the new regulator be given the power to ban harmful products. The Financial Services Bill did little to clarify the way in which the consumer credit market is to be regulated. The Committee also wants be certain that the payday loan industry adheres to the highest standards -...
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.
Striving to Save
The struggles of low-income families trying to build savings accounts
Enduring Austerity
Looking at how austerity has become embedded in institutional practices, this book offers new critical insights into the uneven geographies created by austerity. Reflecting on the spatially and socially uneven impacts of austerity on individuals and families, Julie MacLeavy shows how the ‘new normal’ of post-welfare state governance will negatively condition life chances, even in better economic times. She considers the political, economic and social developments that have led us to the present moment and shows how the rhetoric of austerity has pushed social inequality and uneven development off the political agenda.
Cash and Care
'Cash and Care' gathers reflective overview pieces and findings from new empirical research by a group of distinguished international experts. It links the twin themes of cash and care within the broader contexts of disability, carework and disadvantage, and locates these within recent social trends.
Finance for All?
Access to financial services varies sharply around the world. In many developing countries less than half the population has an account with a financial institution, and in most of Africa less than one in five households do. Lack of access to finance is often the critical mechanism for generating persistent income inequality, as well as slower growth. 'Finance for All?: Policies and Pitfalls in Expanding Access' documents the extent of financial exclusion around the world; addresses the importance of access to financial services for growth, equity and poverty reduction; and discusses policy interventions and institutional reforms that can improve access for underserved groups. The report is ...
The Saving Gateway
None
Neighbourhoods on the Net
How a neighbourhood is viewed can affect the lives of those who live there and the attitudes and behaviour of others towards them. This report examines the increasing use and sophistication of Internet-Based Neighbourhood Information Systems (IBNIS), such as www.upmystreet.co.uk, and considers their potential impact on how neighbourhoods are viewed. Neighbourhoods on the net: - provides in-depth analysis of a number of IBNIS both in the UK and US;- considers their advantages and disadvantages;- reviews the research literature on IBNIS and compares and contrasts this with the perspectives of a number of key stakeholders involved in their development and use;- relates the emergence of IBNIS to broader discussions about the impact of the Internet on every day life, particularly in the context of the growing 'digital divide'; and- points towards a range of possible policy implications.The report is essential reading for those working on: urban and regeneration policy; the application of information and communication technologies to social policy issues; e-commerce; e-government; and social and public policy more generally.
Insufficient Funds
One in four American adults doesn’t have a bank account. Low-income families lack access to many of the basic financial services middle-class families take for granted and are particularly susceptible to financial emergencies, unemployment, loss of a home, and uninsured medical problems. Insufficient Funds explores how institutional constraints and individual decisions combine to produce this striking disparity and recommends policies to help alleviate the problem. Mainstream financial services are both less available and more expensive for low-income households. High fees, minimum-balance policies, and the relative scarcity of banks in poor neighborhoods are key factors. Michael Barr repo...
