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Credit Markets for the Poor
by | HC | Good
US $5.43
ApproximatelyAU $8.15
Condition:
“A copy that has been read, but remains in clean condition. All pages are intact, and the cover is ”... Read moreabout condition
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Estimated between Fri, 28 Jun and Mon, 1 Jul to 43230
Located in: ThriftBooks Warehouse, United States
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eBay item number:143328310915
Item specifics
- Condition
- Good
- Seller notes
- Binding
- Hardcover
- Weight
- 1.01 lbs
- Product Group
- Book
- IsTextBook
- Yes
- ISBN
- 9780871541321
- Subject Area
- Business & Economics, Social Science
- Publication Name
- Credit Markets for the Poor
- Publisher
- Russell SAGE Foundation
- Item Length
- 9 in
- Subject
- Banks & Banking, Finance / General, Poverty & Homelessness, General, Personal Finance / General
- Publication Year
- 2005
- Type
- Textbook
- Format
- Hardcover
- Language
- English
- Item Height
- 1.1 in
- Item Weight
- 0 Oz
- Item Width
- 6 in
- Number of Pages
- 314 Pages
About this product
Product Information
Access to credit is an important means of providing people with the opportunity to make a better life for themselves. Loans are essential for most people who want to purchase a home, start a business, pay for college, or weather a spell of unemployment. Yet many people in poor and minority communities--regardless of their creditworthiness--find credit hard to come by, making the climb out of poverty extremely difficult. How dire are the lending markets in these communities and what can be done to improve access to credit for disadvantaged groups? In Credit Markets for the Poor, editors Patrick Bolton and Howard Rosenthal and an expert team of economists, political scientists, and legal and business scholars tackle these questions with shrewd analysis and a wealth of empirical data. Credit Markets for the Poor opens by examining what credit options are available to poor households. Economist John Caskey profiles how weak credit options force many working families into a disastrous cycle of short-term, high interest loans in order to sustain themselves between paychecks. L ic Sadoulet explores the reasons that community lending organizations, which have been so successful in developing countries, have failed in more advanced economies. He argues the obstacles that have inhibited community lending groups in industrialized countries--such as a lack of institutional credibility and the high cost of establishing lending networks--can be overcome if banks facilitate the community lending process and establish a system of repayment insurance. Credit Markets for the Poor also examines how legal institutions affect the ability of the poor to borrow. Daniela Fabbri and Mario Padula argue that well-meaning provisions making it more difficult for lenders to collect on defaulted loans are actually doing a disservice to the poor in credit markets. They find that in areas with lax legal enforcement of debt agreements, credit markets for the poor are underdeveloped because lenders are unwilling to take risks on issuing credit or will do so only at exorbitant interest rates. Timothy Bates looks at programs that facilitate small-business development and finds that they have done little to reduce poverty. He argues that subsidized business creation programs may lure inexperienced households into entrepreneurship in areas where little profitable investment is possible, hence setting them up for failure. With clarity and insightful analysis, Credit Markets for the Poor demonstrates how weak credit markets are impeding the social and economic mobility of the needy. By detailing the many disadvantages that impoverished people face when seeking to borrow, this important new volume highlights a significant national problem and offers solutions for the future.
Product Identifiers
Publisher
Russell SAGE Foundation
ISBN-10
0871541327
ISBN-13
9780871541321
eBay Product ID (ePID)
44112705
Product Key Features
Number of Pages
314 Pages
Language
English
Publication Name
Credit Markets for the Poor
Publication Year
2005
Subject
Banks & Banking, Finance / General, Poverty & Homelessness, General, Personal Finance / General
Type
Textbook
Subject Area
Business & Economics, Social Science
Format
Hardcover
Dimensions
Item Height
1.1 in
Item Weight
0 Oz
Item Length
9 in
Item Width
6 in
Additional Product Features
LCCN
2004-061486
Dewey Edition
22
Target Audience
Scholarly & Professional
Illustrated
Yes
Dewey Decimal
332.7/086/942
Lc Classification Number
Hg3751.C7293 2005
Copyright Date
2005
Item description from the seller
Seller assumes all responsibility for this listing.
eBay item number:143328310915
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| Postage and handling | To | Service | Delivery*See delivery notes |
|---|---|---|---|
| Free postage | United States | Economy Shipping | Estimated between Fri, 28 Jun and Mon, 1 Jul to 43230 |
| US $15.99 (approx. AU $24.01) | United States | Expedited Shipping | Estimated on or before Thu, 27 Jun to 43230 |
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Sales tax for an item #143328310915
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