Results 271 to 280 of about 6,130,182 (324)

Social and Financial Exclusion: The Role of Microfinance

Rivista italiana degli economisti, 2013
Traditional banks have proved to have severe limits in mitigating fincancial exclusion. The microfinance revolution is intended to address this problem by devising new approaches which ease credit access for poor and uncollateralized borrowers. In this introductory essay we present a special issue of the Rivista Italiana degli Economisti on the role of
Becchitti, L., Boot, A., Lensink, B.W., Zazzaro, A.   +3 more
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Regulating Exclusion from Financial Markets

Review of Economic Studies, 2003
We study optimal enforcement in credit markets in which the only threat facing a defaulting borrower is restricted access to financial markets. We solve for the optimal level of exclusion, and link it to observed institutional arrangements. Regulation in this environment must accomplish two objectives.
Philip Bond, Arvind Krishnamurthy
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Informal Borrowers and Financial Exclusion: The Invisible Unbanked at the Intersections of Race and Gender

, 2020
Previous work has found that predominantly Black and Hispanic neighborhoods continue to have less access to mainstream financial services and a greater prevalence of high-cost alternatives.
Melanie G. Long
semanticscholar   +1 more source

The Bank Staff Perspective on Reducing Financial Exclusion through Affordable Bank Accounts

, 2020
In semi-structured in-depth interviews in one mid-western city with a high percentage of financially excluded consumers, 22 staff members from 15 banks describe their employer bank’s efforts to serve low- and moderate-income consumers.
J. Birkenmaier, Amy Oliver, Jin Huang
semanticscholar   +1 more source

Tackling Financial Exclusion

2014
How to provide sustainable banking solutions for low-income consumers in the United States and abroad.
Page, Chris, Porteous, David
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Is there a link between financial exclusion and over-indebtedness? Evidence from Czech peripheral municipalities

, 2020
This paper investigates the determinants of the over-indebtedness of inhabitants in particular municipalities in the Czech Republic. We draw on the theory of regional segmentation of financial markets, which foresees credit rationing in peripheral ...
G. Chmelíková, R. Redlichová
semanticscholar   +1 more source

Macroeconomic impact of fiscal policy in Ghana: Analysis of an estimated DSGE model with financial exclusion

, 2020
This study develops and estimates a standard New-Keynesian DSGE model for the Ghanaian economy, for the analysis of the impacts of government spending, consumption tax, and labor income tax shocks on household consumption and workinghours.
P. O. Takyi, R. León-González
semanticscholar   +1 more source

Financial exclusion and financial capabilities in Canada

Journal of Financial Economic Policy, 2016
Purpose The financially excluded are often denied basic financial services from mainstream banking institutions, leading them to high-cost fringe finance institutions (FFIs) such as payday loan companies and pawnshops. While strategies to address financial exclusion often include financial capabilities education, there does not appear to be evidence ...
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Financial Intermediation without Exclusivity

American Economic Review, 2001
Futures exchanges and other financial intermediaries assume counterparty risks and, in return, demand guarantees that these counterparties will deliver on their promises. It is often argued that, to attract volume, financial intermediaries would settle for excessively low contractual guarantees.
Tano Santos, Jose A. Scheinkman
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Money-Lending and Financial Exclusion

Public Money and Management, 2007
This article focuses on money-lending and financial exclusion in Ireland. Borrowing from money-lenders is seen in the academic literature as an indicator of exclusion from more affordable sources of credit. However, Ireland has a widespread credit union movement which provides access to affordable credit.
Noreen Byrne, Olive McCarthy, Michael Ward   +2 more
openaire   +1 more source