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Access to Financial Services in Colombia
"The authors look at the depth of the financial sector in Bogota in terms of the "financial exclusion" of those, particularly poorer citizens, who operate without accounts in formal financial institutions-the unbanked. They begin with a review of the overall decline in financial intermediation from 1998 to 2003, which explains, in part, the high percentage of unbanked-61 percent in a recent household survey in Bogota. The authors next look at the banking system today, concluding that the present challenge is to increase financial intermediation overall, especially with the poor. Their analysis shows that Colombia's banks provide costly services mainly catered toward high-income clients. Exis...
The Last Taboo
Except in schoolboy jokes, the subject of human waste is rarely aired. We talk aboutwater-related diseases when most are sanitation-related - in short, we don‘t mention the shit. A century and a half ago, a long, hot summer reduced the Thames flowing past the UK Houses of Parliament to aGreat Stink thereby inducing MPs to legislate sanitary reform. Today, another sanitary reformation is needed, one that manages to spread cheaper and simpler systems to people everywhere. In the byways of the developing world, much is quietly happening on the excretory frontier. In 2008, the International Year of Sanitation, the authors bring this awkward subject to a wider audience than the world of international filth usually commands. They seek the elimination of theGreat Distaste so that people without political clout or economic muscle can claim their right to a dignified and hygienic place togo. Published with UNICEF
Small-scale Private Service Providers of Water Supply and Electricity
Abstract: "This paper summarizes the key findings and conclusions of a literature review of small-scale private service providers (SPSPs) of water supply and electricity conducted over a six-month period in 2003. It draws on more than 400 documents-including journals, articles, reports, case studies and project reports-which have been disaggregated and referenced in a publicly available database. SPSPs appear most prevalent in countries with low coverage levels, ineffective public utilities that provide inadequate or partial services, and remote, difficult-to-access regions. SPSPs are especially prevalent in post-conflict countries and others with weak or failed states. Of the countries for ...
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...
The Urban Unbanked in Mexico and the United States
This paper examines the ways in which lower-income households obtain basic financial services in urban communities in Mexico and the United States. And it discusses the efforts that private sector and government organizations are making to lower the cost or improve the quality of those services. The paper summarizes available information on these issues and assesses the rationale and challenges facing the strategies that both countries are using to improve the financial services available to lower-income households, giving particular attention to "unbanked" households, meaning households that do not have deposit accounts with any regulated deposit-taking institution, and also to lower-income...
Financial Inclusion at the Bottom of the Pyramid
As incredible as it may seem in this hyper-connected, technologically advanced era, half the planet's population exist as "Financial nomads"-those who nourish and shelter themselves without using traditional banking services. While the wealthy live at the top of a metaphorical pyramid, taking financial security and banking services for granted, there are billions of people who struggle at the pyramid's base in an exhausting state of financial exclusion and insecurity. Times are changing rapidly, but despite global uncertainty, technology has the capacity to reach and equip people in all walks of life. Advances in communications have reconfigured the ease with which we interact with our money-and these advances can provide innovative financial services to the unbanked and underserved around the world. Financial inclusion for all is indeed within our reach, and with this conviction, authors Karl Mehta and Carol Realini propose a vision for a better world and a blueprint to get there....
The Economies of Violence
The covert interplay between violence and economies has long eluded public scrutiny, remaining a neglected topic in academic and policy circles alike. Amidst the proclamation of the “liberal peace”, democratic nations in the 90s sidestepped discussions on violent influences within their borders. Yet, the repercussions of economic violence, spanning psychological trauma to societal upheaval, persist globally. Beyond preconceived ideas limiting violence to geographic areas and certain political regimes, identifying the profiteers and veiled beneficiaries of such systems is paramount. This understanding is crucial in dismantling the undemocratic underpinnings of economies of violence, fostering a path towards equity and peace. Contributors are Arturo Alvarado, Alain Bauer, Clotilde Champeyrache, Julien Dechanet, Nazia Hussain, David Izadifar, Louise Shelley, and Guillaume Soto-Mayor.
Water and Sanitation in the World's Cities
'This is surely the most impressive and important publication to come out of the UN system for many years.' Peter Adamson, founder, New Internationalist, and author and researcher of UNICEF's The State of the World's Children from 1980 to 1995 The world's governments agreed at the Millennium Summit to halve, by 2015, the number of people who lack access to safe water. With rapidly growing urban populations the challenge is immense. Water and Sanitation in the World's Cities is a comprehensive and authoritative assessment of the problems and how they can be addressed. This influential publication by the United Nations Human Settlements Programme (UN-HABITAT) sets out in detail the scale of in...
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 ...
