Credit Markets for the Poor

Name: Credit Markets for the Poor
Brand: Russell Sage Foundation
SKU: 9780871541321
Price: 24456 HUF
Availability: InStock

Szerző: Patrick Bolton, Howard Rosenthal

Nyelv:

Kötés: Kemény kötésű

Kiadó: Russell Sage Foundation

Elérhetőség: 50 % esély

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Access to credit is an important means of providing people with the opportunity to make a better lif...

Információk a könyvről

Szerző

Patrick Bolton, Howard Rosenthal

Nyelv

Angol

Kötés

Könyv - Kemény kötésű

Kiadva

2005

oldal

314

EAN

9780871541321

ISBN

0871541327

Enbook ID

11560472

Kiadó

Russell Sage Foundation

Súly

612

Méretek

161 x 238 x 29

Teljes leírás

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 crediworthiness--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. Loic 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 thatwell-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 beca

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Credit Markets for the Poor

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