Beyond Lending
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| Author | : Guillermo Perry |
| Publisher | : CGD Books |
| Total Pages | : 110 |
| Release | : 2009 |
| Genre | : Business & Economics |
| ISBN | : 1933286326 |
As the drafts of this book were coming together in early 2008, Guillermo Perry argued that developing countries remained highly vulnerable to external risks such as commodity price declines, capital flow reversals, and natural disasters. The economic crisis that has since ensued could not have proved his analysis more true: rather than fall into complacency as the short-term demand for traditional loans increases, multilateral development banks (MDBs) should move beyond lending to provide innovative risk-management tools for developing countries to manage volatility and create long-term stability. Book jacket.
| Author | : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit |
| Publisher | : |
| Total Pages | : 264 |
| Release | : 2010 |
| Genre | : Business & Economics |
| ISBN | : |
| Author | : Mahmoud A. Gamal |
| Publisher | : |
| Total Pages | : 42 |
| Release | : 2001 |
| Genre | : Business enterprises |
| ISBN | : |
| Author | : Tendai Murisa |
| Publisher | : African Books Collective |
| Total Pages | : 423 |
| Release | : 2015-12-01 |
| Genre | : Political Science |
| ISBN | : 1779222831 |
Over the past years, few African countries have been the focus of discussions and analyses generating a vast array of literature as much as Zimbabwe. The socioeconomic and political crises since the turn of the century have deeply transformed the country from the ideals of a vibrant freshly independent nation just two decades earlier. These transformations have necessitated the call for the restructuring of Zimbabwean society, polity, and economy. But this literature remains exclusively within the realm of academic thinking and theorising, with no concerted effort to move beyond this by explicitly drawing out the policy implications. Beyond the Crises: Zimbabwes Prospects for Transformation is a welcome addition to the academic and policy literature with a much broader and all-embracing focus in terms of policy interventions. By focusing on different aspects of social and economic justice, Murisa and Chikweche go beyond initiating a broad discussion on these two key pillars of human development with a view to suggesting possible future directions of practical solutions and policy development for the attainment of inclusive social and economic justice for Zimbabweans.
| Author | : Shahidur R. Khandker |
| Publisher | : World Bank Publications |
| Total Pages | : 336 |
| Release | : 2016-07-20 |
| Genre | : Business & Economics |
| ISBN | : 1464808953 |
The recent past has witnessed phenomenal growth in MFIs around the world. Today as many as 200 million people are beneficiaries of microfinance. Given its worldwide attention, microfinance has received serious criticism, including the argument that it is a fad with less-than-expected benefits for the poor. Surely, microfinance is not without any pitfalls. Yet the premise of improving access to financial services for consumption smoothing by the poor has never been a subject of controversy. What has been controversial is whether microfinance can alleviate poverty. That the poor lack an effective and affordable alternative financing mechanism to support income generation does not necessarily mean microfinance is a panacea since it involves entrepreneurial skills, which many poor lack. It is little wonder that studies evaluating the benefits of microfinance have produced conflicting results. Of course, study findings are contextual: They are positive in conducive environments and less so in unfavorable ones. Microfinance must be distinguished from anti-poverty schemes (e.g., conditional cash transfers) because benefits from microfinance-supported activities, which involve participants’ entrepreneurial skills and ability, take time to realize. This book using household long panel survey of 1991/92-2010/11 from Bangladesh addresses some of criticisms—including whether pushing microfinance has made it redundant as a tool for poverty reduction—while investigating whether it still matters for the poor after two decades of extensive growth. The book’s findings confirm the positive effects of continued borrowing from a microfinance program. Despite a manifold increase in microfinance borrowing, loan recovery has not declined and long-term borrowers are not trapped in poverty or debt. Interest rates charged by MFIs are not too high for realizing returns on investment, although the MFIs have scope for lowering them. The book is expected to contribute to the ongoing debate on the cost-effectiveness of microfinance as a tool for inclusive growth and development. It is expected to fill knowledge gaps in understanding the various virtues of microfinance against its portrayal as having drifted from its original poverty-reduction mission.
| Author | : Vee Huynh |
| Publisher | : iUniverse |
| Total Pages | : 227 |
| Release | : 2012-12 |
| Genre | : Body, Mind & Spirit |
| ISBN | : 1475962150 |
As human beings, we search for the same thing our entire lives: happiness. There are many paths to this elusive and precious destination. But once attained, some joys last, while others wither quickly. What are the secrets to finding and keeping lifelong happiness? Do these secrets even exist? Do you search for true happiness? Within these ancient practices, you can discover tools to help you become the cocreator of your destiny. Do you search for your perfect soul mate? Finding this person isn't hard at all, once you understand how universal energy truly works. Do you search for financial stability? The key to this treasure is well within reach with the right education and some hard work. We all have the power to turn our dreams into reality; this guide, packed with ancient theories and backed by modern science about the power of mind energy, can help you do so. The power of Feng Shui is immeasurable; it can change your life. By living in harmony with the universal Chi, you can shape your destiny. You'll learn how Feng Shui's potent secret formulas can be used to create your new destiny. Are you ready for happiness beyond anything you could have imagined? Feng Shui beyond Boundaries can show you the path; it's time to take that first step on your journey to a new life.
| Author | : Daniel D. Lee |
| Publisher | : SkyCuration |
| Total Pages | : 273 |
| Release | : 2024-06-25 |
| Genre | : Biography & Autobiography |
| ISBN | : |
Step into the extraordinary life of one of the world's most celebrated music icons in "Celine Dion: Beyond the Stage." This meticulously detailed biography offers an in-depth exploration of Celine Dion's remarkable journey, capturing the essence of her unparalleled career and the personal experiences that have shaped her into the global phenomenon she is today. From her modest beginnings in Charlemagne, Quebec, where she was the youngest of 14 children in a musically gifted family, Celine's early years were marked by her prodigious talent and unyielding determination. Readers will gain insight into her initial steps into the music industry, including her first performance at her parents' piano bar and her victory at the 1988 Eurovision Song Contest, which catapulted her to international recognition. The book delves into her transformative partnership with René Angélil, the man who mortgaged his house to finance her first album and eventually became her husband and manager. Their love story, filled with mutual respect and shared dreams, is a testament to their unwavering bond and René's pivotal role in shaping Celine's career. Explore how René's guidance and Celine's relentless work ethic led to her breakthrough in the English-speaking market with albums like "Unison" and "The Colour of My Love." The biography provides a comprehensive look at Celine's iconic performances and tours, including her groundbreaking Las Vegas residencies, "A New Day..." and "Celine," which redefined live entertainment in Sin City. Through vivid descriptions and behind-the-scenes accounts, readers will experience the grandeur of these shows and understand the meticulous planning and dedication that went into every performance. Amidst the glitz and glamour, "Celine Dion: Beyond the Stage" also sheds light on the challenges Celine has faced. Her personal struggles, such as her battle with infertility, the loss of her beloved husband René, and her diagnosis with Stiff Person Syndrome, are portrayed with sensitivity and depth. The book reveals how these experiences have influenced her music, bringing a profound emotional resonance to her songs. Explore her evolution as an artist, from the powerful ballads that defined the 1990s to her recent explorations in contemporary pop and electronic music. Discover the stories behind her most beloved songs, the creative processes that drove her albums, and the collaborations with some of the industry's most renowned producers and songwriters. Throughout her career, Celine Dion has consistently delivered unforgettable performances and produced music that resonates deeply with audiences. These defining moments illustrate her extraordinary talent, her ability to connect with listeners, and her unwavering dedication to her craft. Each milestone in her career has contributed to her enduring legacy as one of the greatest voices in music history. Perfect for lifelong fans and new admirers alike, "Celine Dion: Beyond the Stage" offers a detailed, intimate portrait of Celine Dion's life, capturing the heart and soul of an artist who has transcended the boundaries of music to become a true global icon. Get ready to embark on an unforgettable journey through the life of Celine Dion—beyond the stage and into the heart of a legend.
| Author | : United States. Congress. House. Committee on Small Business. Subcommittee on Taxation and Finance |
| Publisher | : |
| Total Pages | : 260 |
| Release | : 1996 |
| Genre | : Business & Economics |
| ISBN | : |
Distributed to some depository libraries in microfiche.
| Author | : Orice Williams Brown |
| Publisher | : DIANE Publishing |
| Total Pages | : 102 |
| Release | : 2010 |
| Genre | : Business & Economics |
| ISBN | : 1437920780 |
The Fair Housing Act (FHA) and the Equal Credit Opportunity Act (ECOA) -- the "fair lending laws" -- prohibit discrimination in lending. Responsibility for their oversight is shared among three enforcement agencies -- HUD, the FTC, and Dept. of Justice -- and five depository institution regulators -- the FDIC, the Fed. Reserve, Nat. Credit Union Admin., Office of the Comptroller of the Currency, and the Office of Thrift Supervision. This report examines: (1) data used by agencies and the public to detect potential violations and options to enhance the data; (2) fed. oversight of lenders that are identified as at heightened risk of violating the fair lending laws; and (3) recent cases involving fair lending laws and associated enforcement challenges. Illus.
| Author | : Nora Beausang |
| Publisher | : Bloomsbury Publishing |
| Total Pages | : 2649 |
| Release | : 2021-12-16 |
| Genre | : Law |
| ISBN | : 1526515881 |
With 2000+ pages of guidance, this important new textbook provides an extensive and in-depth guide to the current labyrinthine regulatory regime relating to consumer and SME credit (by way of cash loans) and protection generally, including the Consumer Protection Code, the Consumer Credit Act (housing loans and non-housing loans), the EU Consumer Credit Regulations, the EU Mortgage Credit Regulations and the Central Bank Housing Loan Regulations. Other lending-related conduct of business requirements are also covered in detail, including the Code of Conduct on Mortgage Arrears, the Lending to SME Regulations, the Code on Related Parties Lending and the Credit Reporting Act, together with applicable EBA/ECB Guidelines dealing with loan origination, product oversight and governance, non-performing exposures/loans and arrears. The regulated activities triggering authorisation as a retail credit firm or credit servicing firm are also addressed in detail. The book additionally extends beyond lending to have application to the wider business of regulated firms in the financial services arena, dealing in detail with issues including the general principles and requirements of the Consumer Protection Code,the fitness and probity regime including the area of minimum competency, distance marketing requirements and other background to the regulatory regime in Ireland including the increased regulatory focus on the culture of regulated firms and product oversight and governance. The available redress/recourse mechanisms are also covered, including the Financial Services and Pensions Ombudsman, the Credit Review Office, the regulatory and other consequences of breach of applicable requirements and the significant risk management area for regulated firms of their customers' statutory right to redress on breach of financial services legislation. In addition, the book has relevance to professionals dealing with consumers in any contractual context including extensive treatment of how the concept of 'consumer' has developed under common law, the unfair commercial practices regime and the increasingly topical area of unfair contract terms legislation. Relevant case law of the Irish courts and other common law jurisdictions, together with an expanding corpus of decisions from the CJEU, are addressed in detail. This book's practical style is designed to assist bankers, other regulated firms, lawyers, compliance professionals and regulators in the application of a complex area. Rather than simply setting out the separate requirements, the book seeks to navigate the at times contradictory legislative and regulatory strands to give (in so far as is possible) a coherent sense of how they integrate. Much of the content is unique and cannot be found in any other publication. An essential addition to the library of every lender, practitioner and compliance and regulatory risk professional, particularly in the areas of consumer and SME credit.
