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  • 1
    Book
    Book
    The financial diaries : how American families cope in a world of uncertainty (2017)
    Princeton : Princeton University Press
    Details
    ISBN: 9780691172989
    Language: English
    Pages: xii, 233 Seiten , Diagramme
    Parallel Title: Erscheint auch als Morduch, Jonathan The financial diaries
    DDC: 332.02400973
    RVK:
    QW 500
    Keywords: Haushaltseinkommen ; Lebensstandard ; Privater Haushalt ; Haushaltsstatistik ; Haushaltsökonomik ; USA ; Financial security ; Poor families ; Middle class families ; Finance, Personal ; Haushaltseinkommen ; Lebensstandard ; Privater Haushalt ; Haushaltsstatistik ; Haushaltsökonomik ; USA ; United States Economic conditions 21st century
    Abstract: Deep within the American Dream lies the belief that hard work and steady saving will ensure a comfortable retirement and a better life for one's children. But in a nation experiencing unprecedented prosperity, even for many families who seem to be doing everything right, this ideal is still out of reach. Authors Jonathan Morduch and Rachel Schneider draw on the U.S. Financial Diaries, a project which follows the lives of 235 low- and middle-income families as they navigate through a year. Through the Diaries, Morduch and Schneider challenge popular assumptions about how Americans earn, spend, borrow, and save -- and they identify the true causes of distress and inequality for many working Americans. We meet real people, ranging from a casino dealer to a street vendor to a tax preparer, who open up their lives and illustrate a world of financial uncertainty in which even limited financial success requires imaginative -- and often costly -- coping strategies. Morduch and Schneider detail what families are doing to help themselves and describe new policies and technologies that will improve stability for those who need it most. Combining hard facts with personal stories, The Financial Diaries presents an inside look at the economic stresses of today's families and offers ideas for solving them
    Abstract: Introduction: A hidden inequality -- Worlds of uncertainty. Earning -- Spending -- Smoothing and spiking -- How families cope. Saving -- Borrowing -- Sharing -- New ways of seeing. Sometimes poor -- Secure and in control
    URL: http://www.usfinancialdiaries.org/
    URL: Inhaltsverzeichnis
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    Book
    MPI Ethno. Forsch.
  • 2
    Article
    Article
    Technological Adoption in Rural Cochabamba, Bolivia (1998)
    Show associated volumes/articles
    In:  Journal of anthropological research Vol. 54, No. 3 (1998), p. 351-372
    Details
    ISSN: 0091-7710
    Language: Undetermined
    Titel der Quelle: Journal of anthropological research
    Publ. der Quelle: Chicago, IL : The University of Chicago Press
    Angaben zur Quelle: Vol. 54, No. 3 (1998), p. 351-372
    DDC: 100
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    Article
    OLC Ethnologie
  • 3
    Article
    Article
    Technological adoption in rural Cochabamba, Bolivia (1998)
    In:  54/3, 1998, S. 351-371.
    Details
    Language: English
    Angaben zur Quelle: 54/3, 1998, S. 351-371.
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    Article
    Frobenius-Institut
  • 4
    Book
    Book
    Portfolios of the poor : How the world's poor live on $2 a day (2011)
    Princeton, NJ [u.a.] : Princeton Univ. Press
    Details
    ISBN: 978-0-691-14819-9 , 978-0-691-14148-0
    Language: English
    Pages: IX, 283 S. , Ill., graph. Darst.
    Edition: 8. print., and 1. paperback print.
    Keywords: Bangladesh Indien ; Südafrika ; Armut ; Alltag ; Kredit ; Haushalt ; Wirtschaftliche Bedingungen
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    Book
    Frobenius-Institut
  • 5
    Online Resource
    Online Resource
    Microfinance Meets The Market (2008)
    Washington, D.C : The World Bank
    Details
    Language: English
    Pages: Online-Ressource (1 online resource (40 p.))
    Edition: Online-Ausg. World Bank E-Library Archive
    Parallel Title: Cull, Robert Microfinance Meets The Market
    Keywords: Access to Finance ; Access to financial services ; Asymmetric information ; Banking services ; Banks & Banking Reform ; Debt Markets ; Emerging Markets ; Finance and Financial Sector Development ; Financial markets ; International bank ; Loan ; Loan repayment ; Microfinance ; Microfinance institutions ; Private Sector Development ; Transactio ; Access to Finance ; Access to financial services ; Asymmetric information ; Banking services ; Banks & Banking Reform ; Debt Markets ; Emerging Markets ; Finance and Financial Sector Development ; Financial markets ; International bank ; Loan ; Loan repayment ; Microfinance ; Microfinance institutions ; Private Sector Development ; Transactio ; Access to Finance ; Access to financial services ; Asymmetric information ; Banking services ; Banks & Banking Reform ; Debt Markets ; Emerging Markets ; Finance and Financial Sector Development ; Financial markets ; International bank ; Loan ; Loan repayment ; Microfinance ; Microfinance institutions ; Private Sector Development ; Transactio
    Abstract: Microfinance institutions have proved the possibility of providing reliable banking services to poor customers. Their second aim is to do so in a commercially-viable way. This paper analyzes the tensions and opportunities of microfinance as it embraces the market, drawing on a data set that includes 346 of the world's leading microfinance institutions and covers nearly 18 million active borrowers. The data show remarkable successes in maintaining high rates of loan repayment, but the data also suggest that profit-maximizing investors would have limited interest in most of the institutions that are focusing on the poorest customers and women. Those institutions, as a group, charge their customers the highest fees in the sample but also face particularly high transaction costs, in part due to small transaction sizes. Innovations to overcome the well-known problems of asymmetric information in financial markets were a triumph, but further innovation is needed to overcome the challenges of high costs
    URL: Volltext  (Deutschlandweit zugänglich)
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    Online Resource
    MPI Ethno. Forsch.
  • 6
    Online Resource
    Online Resource
    Does Regulatory Supervision Curtail Microfinance Profitability and Outreach? (2009)
    Washington, D.C : The World Bank
    Details
    Language: English
    Pages: Online-Ressource (41 p)
    Edition: 2009 World Bank eLibrary
    Parallel Title: Cull, Robert Does Regulatory Supervision Curtail Microfinance Profitability and Outreach?
    Abstract: Regulation allows microfinance institutions to evolve more fully into banks, particularly for institutions aiming to take deposits. But there are potential trade-offs. Complying with regulation and supervision can be costly. The authors examine the implications for the institutions’ profitability and their outreach to small-scale borrowers and women. The tests draw on a new database that combines high-quality financial data on 245 of the world’s largest microfinance institutions with newly-constructed data on their prudential supervision. Ordinary least squares regressions show that supervision is negatively associated with profitability. Controlling for the non-random assignment of supervision via treatment effects and instrumental variables regressions, the analysis finds that supervision is associated with substantially larger average loan sizes and less lending to women than in ordinary least squares regressions, although it is not significantly associated with profitability. The pattern is consistent with the notion that profit-oriented microfinance institutions absorb the cost of supervision by curtailing outreach to market segments that tend to be more costly per dollar lent. By contrast, microfinance institutions that rely on non-commercial sources of funding (for example, donations), and thus are less profit-oriented, do not adjust loan sizes or lend less to women when supervised, but their profitability is significantly reduced
    DOI: 10.1596/1813-9450-4948
    URL: Volltext  (Deutschlandweit zugänglich)
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    Online Resource
    MPI Ethno. Forsch.
  • 7
    Online Resource
    Online Resource
    Microfinance Tradeoffs : Regulation, Competition, and Financing (2009)
    Washington, D.C : The World Bank
    Details
    Language: English
    Pages: Online-Ressource (21 p)
    Edition: 2009 World Bank eLibrary
    Parallel Title: Cull, Robert Microfinance Tradeoffs
    Abstract: This paper describes important trade-offs that microfinance practitioners, donors, and regulators navigate. Drawing evidence from large, global surveys of microfinance institutions, the authors find a basic tension between meeting social goals and maximizing financial performance. For example, non-profit microfinance institutions make far smaller loans on average and serve more women as a fraction of customers than do commercialized microfinance banks, but their costs per dollar lent are also much higher. Potential trade-offs therefore arise when selecting contracting mechanisms, level of commercialization, rigor of regulation, and the extent of competition. Meaningful interventions in microfinance will require making deliberate choices - and thus embracing and weighing tradeoffs carefully
    DOI: 10.1596/1813-9450-5086
    URL: Volltext  (Deutschlandweit zugänglich)
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    Online Resource
    MPI Ethno. Forsch.
  • 8
    Online Resource
    Online Resource
    The Microfinance Business Model : Enduring Subsidy and Modest Profit (2016)
    Washington, D.C : The World Bank
    Details
    Language: English
    Pages: 1 Online-Ressource (63 p)
    Series Statement: World Bank E-Library Archive
    Parallel Title: Erscheint auch als Cull, Robert The Microfinance Business Model: Enduring Subsidy and Modest Profit
    Abstract: Recent evidence suggests only modest social and economic impacts of microfinance. Favorable cost-benefit ratios then depend on low costs. This paper uses proprietary data on 1,335 microfinance institutions between 2005 and 2009, jointly serving 80.1 million borrowers, to calculate the costs of microfinance and other elements of the microfinance business model. It calculates that on average, subsidies amounted to
    DOI: 10.1596/1813-9450-7786
    URL: Volltext  (Deutschlandweit zugänglich)
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    Online Resource
    MPI Ethno. Forsch.
  • 9
    Online Resource
    Online Resource
    Banks and Microbanks (2009)
    Washington, D.C : The World Bank
    Details
    Language: English
    Pages: Online-Ressource (48 p)
    Edition: 2009 World Bank eLibrary
    Parallel Title: Cull, Robert Banks and Microbanks
    Keywords: Bank ; Mikrofinanzierung
    Abstract: Using two new datasets, the authors examine whether the presence of banks affects the profitability and outreach of microfinance institutions. They find evidence that competition matters. Greater bank penetration in the overall economy is associated with microbanks pushing toward poorer markets, as reflected in smaller average loans sizes and greater outreach to women. The evidence is particularly strong for microbanks relying on commercial funding and using traditional bilateral lending contracts (rather than the group lending methods favored by microfinance nongovernmental organizations). The analysis considers plausible alternative explanations for the correlations, including relationships that run through the nature of the regulatory environment and the structure of the banking environment; but it fails to find strong support for these alternative hypotheses
    DOI: 10.1596/1813-9450-5078
    URL: Volltext  (Deutschlandweit zugänglich)
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    MPI Ethno. Forsch.
  • 10
    Online Resource
    Online Resource
    Financial performance and outreach : a global analysis of leading microbanks (2006)
    [Washington, D.C] : World Bank
    Details
    Language: English
    Pages: Online-Ressource
    Edition: Online-Ausg. World Bank E-Library Archive Also available in print
    Series Statement: Policy research working paper 3827
    Parallel Title: Morduch, Jonathan Financial performance and outreach
    Keywords: Bank loans Case studies ; Microfinance Case studies ; Bank loans Case studies ; Microfinance Case studies
    Abstract: "Microfinance contracts have proven able to secure high rates of loan repayment in the face of limited liability and information asymmetries, but high repayment rates have not translated easily into profits for most microbanks. Profitability, though, is at the heart of the promise that microfinance can deliver poverty reduction while not relying on ongoing subsidy. The authors examine why this promise remains unmet for most institutions. Using a data set with unusually high quality financial information on 124 institutions in 49 countries, they explore the patterns of profitability, loan repayment, and cost reduction. The authors find that institutional design and orientation matter substantially. Lenders that do not use group-based methods to overcome incentive problems experience weaker portfolio quality and lower profit rates when interest rates are raised substantially. For these individual-based lenders, one key to achieving profitability is investing more heavily in staff costs-a finding consistent with the economics of information but contrary to the conventional wisdom that profitability is largely a function of minimizing cost. "--World Bank web site
    Note: Includes bibliographical references , Title from PDF file as viewed on 1/26/2006 , Also available in print.
    URL: Volltext  (Deutschlandweit zugänglich)
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    MPI Ethno. Forsch.
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