Fringe Banking in Winnipeg's North End

Fringe Banking in Winnipeg's North End
Title Fringe Banking in Winnipeg's North End PDF eBook
Author Jerry Buckland
Publisher Canadian Centre Policy Alternatives
Pages 55
Release 2005
Genre Check cashing services
ISBN 0886274281

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The geographic boundaries of the North End, as determined by the North End Community Renewal Corporation, is north of the CPR tracks, south of Caruthers Avenue, east of McPhillips Street, and west of the Red River. [...] This 5 In his examination of fringe banking in the US, Caskey (1994, p. 84) argues that a chief reason for their rise is the increase in the number of households without bank accounts, rising from 9.5% of the US population in 1977 to 13.5% in 1989, the result of processes affecting banks (supply side) and bank clients (demand side). [...] The second focus credit risk related to high levels of debt-servicing and personal bankruptcy; the contraction in the bank and finance company supply of non-revolving, unsecured loans; the growing numbers of people with higher credit risk due to increased legal and illegal immigration to the US; the increase in gold prices; the growing awareness among entrepreneurs of the profits in fringe banking [...] Winnipeg and the 16.5% of the population of the North End, North End both have around 13.5% of comprise a smaller percentage at 11.9% their population over the age of retire- of the population of Winnipeg. [...] This is sub- the number of people contributing income stantially higher than the 35% average in to a household, the greater the likelihood the rest of Winnipeg.

Experience Research Social Change

Experience Research Social Change
Title Experience Research Social Change PDF eBook
Author Sandra Louise Kirby
Publisher University of Toronto Press
Pages 296
Release 2006-01-01
Genre Social Science
ISBN 9781551930565

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"This is a book that combines solid theoretical background with a step-by-step approach to conducting collaborative research. [It is] essential reading." - Guylaine Demers, Laval University

Hard Choices

Hard Choices
Title Hard Choices PDF eBook
Author Jerry Buckland
Publisher University of Toronto Press
Pages 289
Release 2012-03-30
Genre Business & Economics
ISBN 1442612525

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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

Building Financial Resilience
Title Building Financial Resilience PDF eBook
Author Jerry Buckland
Publisher Springer
Pages 289
Release 2018-02-19
Genre Business & Economics
ISBN 3319724193

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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.

Sex Workers in the Maritimes Talk Back

Sex Workers in the Maritimes Talk Back
Title Sex Workers in the Maritimes Talk Back PDF eBook
Author Leslie Ann Jeffrey
Publisher UBC Press
Pages 290
Release 2011-11-01
Genre Social Science
ISBN 0774840307

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Sex workers are often the "objects" of study for academics and policy makers. Theories about their lives and the policies that affect their work are usually developed without input from the sex workers themselves, as they are rarely seen as capable of analyzing the social and political world in which they work. In this book, however, sex workers set the tone. Leslie Ann Jeffrey and Gayle MacDonald interview sex workers in three Maritime cities and those who work around them: police, health-care providers, community workers/advocates, members of neighbourhood associations, and politicians. The sex workers discuss such issues as violence and safety, health and risk, politics and policy, media influence, and public perception of the trade, portraying the best and the worst facets of their working lives and expressing sentiments refreshingly at odds with commonly held opinions. Given recent Parliamentary recommendations to decriminalize prostitution, Sex Workers in the Maritimes Talk Back represents a timely shift to public discussions about sex work. Engaging and accessible, this book will be of interest to public policy practitioners, students of social and political science, community advocates, police, and sex workers and their families.

North Carolina Banking Institute

North Carolina Banking Institute
Title North Carolina Banking Institute PDF eBook
Author
Publisher
Pages 934
Release 2005
Genre Banking law
ISBN

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House of Commons Debates, Official Report

House of Commons Debates, Official Report
Title House of Commons Debates, Official Report PDF eBook
Author Canada. Parliament. House of Commons
Publisher
Pages 618
Release 2007
Genre Canada
ISBN

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