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Financial literacy --- Finance, Personal --- Study and teaching
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Financial literacy --- Finance, Personal --- Study and teaching
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Financial literacy --- Finance, Personal --- Consumer education --- Study and teaching
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Financial literacy --- Finance, Personal --- Consumer education --- Study and teaching
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The World Bank Annual Report 2006 is the one place where you will find: a summary of the World Bank's major initiatives and activities this year; regional reports with lending to each region by theme and sector; the year's lending and advisory activities; a description of all new projects approved this year; the complete financial statements of the World Bank; and World Bank organizational information, including a list of all Country Offices. You'll find numerous references to Web sites where you can find in-depth information on every topic in the Annual Report.
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Group liability is often portrayed as the key innovation that led to the explosion of the microcredit movement, which started with the Grameen Bank in the 1970s and continues on today with hundreds of institutions around the world. Group lending claims to improve repayment rates and lower transaction costs when lending to the poor by providing incentives for peers to screen, monitor, and enforce each other's loans. However, some argue that group liability creates excessive pressure and discourages good clients from borrowing, jeopardizing both growth and sustainability. Therefore, it remains unclear whether group liability improves the lender's overall profitability and the poor's access to financial markets. The authors worked with a bank in the Philippines to conduct a field experiment to examine these issues. They randomly assigned half of the 169 pre-existing group liability 'centers' of approximately twenty women to individual-liability centers (treatment) and kept the other half as-is with group liability (control). We find that the conversion to individual liability does not affect the repayment rate, and leads to higher growth in center size by attracting new clients.
Bank Policy --- Conversion --- Debt Markets --- Exchange --- Finance and Financial Sector Development --- Financial Literacy --- Financial Markets --- Good --- Group Lending --- Joint Liability --- Lender --- Liability --- Loans --- Micro-Enterprises --- Microcred Microfinance --- Poverty --- Repayment --- Repayment Rate --- Repayment Rates --- Social Capital --- Transaction --- Transaction Costs
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Group liability is often portrayed as the key innovation that led to the explosion of the microcredit movement, which started with the Grameen Bank in the 1970s and continues on today with hundreds of institutions around the world. Group lending claims to improve repayment rates and lower transaction costs when lending to the poor by providing incentives for peers to screen, monitor, and enforce each other's loans. However, some argue that group liability creates excessive pressure and discourages good clients from borrowing, jeopardizing both growth and sustainability. Therefore, it remains unclear whether group liability improves the lender's overall profitability and the poor's access to financial markets. The authors worked with a bank in the Philippines to conduct a field experiment to examine these issues. They randomly assigned half of the 169 pre-existing group liability 'centers' of approximately twenty women to individual-liability centers (treatment) and kept the other half as-is with group liability (control). We find that the conversion to individual liability does not affect the repayment rate, and leads to higher growth in center size by attracting new clients.
Bank Policy --- Conversion --- Debt Markets --- Exchange --- Finance and Financial Sector Development --- Financial Literacy --- Financial Markets --- Good --- Group Lending --- Joint Liability --- Lender --- Liability --- Loans --- Micro-Enterprises --- Microcred Microfinance --- Poverty --- Repayment --- Repayment Rate --- Repayment Rates --- Social Capital --- Transaction --- Transaction Costs
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Finance, Personal. --- Investments. --- Saving and investment. --- Finance, Personal --- Investments --- Saving and investment --- Financial Management & Planning --- Finance --- Business & Economics --- Accumulation, Capital --- Capital accumulation --- Capital formation --- Investment and saving --- Saving and thrift --- Financial management, Personal --- Financial planning, Personal --- Personal finance --- Personal financial management --- Personal financial planning --- Investing --- Investment management --- Portfolio --- Planning --- Capital --- Supply-side economics --- Wealth --- Financial literacy --- Disinvestment --- Loans --- Speculation
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"Map Your Financial Future" is designed to empower individuals so they can avoid disaster, recover from missteps and achieve financial freedom. In this book, you learn how to: Develop a budget with room for fun, pump up your savings, master credit, dodge bankruptcy and identity theft, spot scams, find your dream job, launch a business, and relax during retirement.
Finance, Personal. --- Saving and investment. --- Accumulation, Capital --- Capital accumulation --- Capital formation --- Investment and saving --- Saving and thrift --- Capital --- Supply-side economics --- Wealth --- Investments --- Finance, Personal --- Financial management, Personal --- Financial planning, Personal --- Personal finance --- Personal financial management --- Personal financial planning --- Finance --- Financial literacy --- Planning
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The objective of this paper is not to review the pros and cons of deposit insurance systems, but to focus, rather narrowly, on the recent adoption of a deposit insurance system (DIS) in Russia, the rationale offered, and the potential impact it might have on the stability and development of the Russian banking system. An attempt is made to draw some lessons from the implementation experience in Russia. The paper starts with a brief description of the Russian DIS, followed by an overview of the banking system's structure and some observations on the sequencing followed for adopting the DIS and the political economy of its adoption. It concludes with a discussion of areas requiring attention.
Bank --- Banking --- Banking Reform --- Banking System --- Banks and Banking Reform --- Commercial Banks --- Cred Deposit Insurance --- Debt Markets --- Deposits --- Emerging Markets --- Finance --- Finance and Financial Sector Development --- Financial Crisis Management and Restructuring --- Financial Deepening --- Financial Institutions --- Financial Intermediation --- Financial Literacy --- Industry --- Legal Framework --- Lender of Last Resort --- Level Playing Field --- Macroeconomic Stability --- Moral Hazard --- Private Sector Development --- Regional Banks --- Risk --- Savings
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