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Author: Naomi R. Lamoreaux
Publisher: Cambridge University Press
Published: 1996-08-28
Total Pages: 196
ISBN-13: 9780521566247
DOWNLOAD EBOOKThis book, first published in 1994, explores the important role that insider lending played in the economic development of early nineteenth-century New England.
Author: Bryan Ellickson
Publisher: Cambridge University Press
Published: 1993
Total Pages: 424
ISBN-13: 9780521319881
DOWNLOAD EBOOKThe development of general equilibrium theory represents one of the greatest advances in economic analysis in the latter half of the twentieth century. This book, intended for advanced undergraduates and graduate students, provides a broad introduction to competitive equilibrium analysis with an emphasis on concrete applications. The first three chapters are introductory in nature, paving the way for the more advanced second half of the book. Relative to the competition, it is much more 'user friendly' while offering exceptionally broad coverage of topics. Well-designed and interesting applications help to make potentially abstract material more accessible. The book includes 92 illustrations and nearly 200 exercises.
Author: Mr.Giovanni Dell'Ariccia
Publisher: International Monetary Fund
Published: 2017-11-07
Total Pages: 45
ISBN-13: 1484324897
DOWNLOAD EBOOKWe study bank portfolio allocations during the transition of the real sector to a knowledge economy in which firms use less tangible capital and invest more in intangible assets. We show that, as firms shift toward intangible assets that have lower collateral values, banks reallocate their portfolios away from commercial loans toward other assets, primarily residential real estate loans and liquid assets. This effect is more pronounced for large and less well capitalized banks and is robust to controlling for real estate loan demand. Our results suggest that increased firm investment in intangible assets can explain up to 20% of bank portfolio reallocation from commercial to residential lending over the last four decades.
Author: Richard Bitner
Publisher: John Wiley & Sons
Published: 2008-06-16
Total Pages: 166
ISBN-13: 0470402199
DOWNLOAD EBOOKFormer subprime lender Richard Bitner once worked in an industry that started out helping disadvantaged customers but collapsed due to greed, lack of financial control and willful ignorance. In Confessions of a Subprime Lender: An Insider's Tale of Greed, Fraud, and Ignorance, he reveals the truth about how the subprime lending business spiraled out of control, pushed home prices to unsustainable levels, and turned unqualified applicants into qualified borrowers through creative financing. Learn about the ways the mortgage industry can be fixed with his twenty suggestions for critical change.
Author: Lisa Servon
Publisher: Houghton Mifflin Harcourt
Published: 2017-01-10
Total Pages: 264
ISBN-13: 0544611187
DOWNLOAD EBOOKWhy Americans are fleeing our broken banking system: “Startling and absorbing…Required reading for fans of muckraking authors like Barbara Ehrenreich.”—Publishers Weekly (starred review) What do an undocumented immigrant in the South Bronx, a high-net-worth entrepreneur, and a twentysomething graduate student have in common? All three are victims of our dysfunctional mainstream bank and credit system. Nearly half of all Americans live from paycheck to paycheck, and income volatility has doubled over the past thirty years. Banks, with their high monthly fees and overdraft charges, are gouging their lower- and middle-income customers while serving only the wealthiest Americans. Lisa Servon delivers a stunning indictment of America’s banks, together with eye-opening dispatches from inside a range of banking alternatives that have sprung up to fill the void. She works as a teller at RiteCheck, a check-cashing business in the South Bronx, and as a payday lender in Oakland. She looks closely at the workings of a tanda, an informal lending club. And she delivers engaging, hopeful portraits of the entrepreneurs reacting to the unbanking of America by designing systems to creatively serve those outside the one percent. “Valuable evidence on the fragility of the personal economies of most Americans these days.”—Kirkus Reviews “An intelligent plea for financial justice…[An] excellent book.”—The Christian Science Monitor
Author: Richard E. Beck (Jr.)
Publisher:
Published: 2009
Total Pages: 448
ISBN-13: 9780899826301
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Publisher:
Published: 1988
Total Pages: 114
ISBN-13:
DOWNLOAD EBOOKAuthor: Juliette Levy
Publisher: Penn State Press
Published: 2012-01-01
Total Pages: 176
ISBN-13: 0271052147
DOWNLOAD EBOOKDuring the nineteenth century, Yucat&án moved effectively from its colonial past into modernity, transforming from a cattle-ranching and subsistence-farming economy to a booming export-oriented agricultural economy. Yucat&án and its economy grew in response to increasing demand from the United States for henequen, the local cordage fiber. This henequen boom has often been seen as another regional and historical example of overdependence on foreign markets and extortionary local elites. In The Making of a Market, Juliette Levy argues instead that local social and economic dynamics are the root of the region&’s development. She shows how credit markets contributed to the boom before banks (and bank crises) existed and how people borrowed before the creation of institutions designed specifically to lend. As the intermediaries in this lending process, notaries became unwitting catalysts of Yucat&án&’s capitalist transformation. By focusing attention on the notaries&’ role in structuring the mortgage market rather than on formal institutions such as banks, this study challenges the easy compartmentalization of local and global relationships and of economic and social relationships.
Author: Richard Bitner
Publisher:
Published: 2008-03-01
Total Pages: 197
ISBN-13: 9780981457406
DOWNLOAD EBOOKAuthor: Hugh Sinclair
Publisher: Berrett-Koehler Publishers
Published: 2012-07-09
Total Pages: 290
ISBN-13: 1609945182
DOWNLOAD EBOOKMicrofinance insider Hugh Sinclair weaves a shocking tale of an industry focused on maximizing profits and plagued by predatory lending practices, scandals, cover-ups and corruption.
