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Government securities --- Savings bonds --- Municipal bonds --- War bonds --- Bonds --- Low-income consumers --- Disadvantaged consumers --- Poor as consumers --- Consumers --- Finance, Personal --- E-books
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Financial services industry --- Mobile commerce --- Low-income consumers --- Disadvantaged consumers --- Poor as consumers --- Consumers --- M-business --- M-commerce --- Mobile business --- Mobile payments --- Electronic commerce --- Electronic funds transfers --- Finance, Personal. --- Internet banking --- Electronic banking --- Banks and banking --- Finance, Personal --- E-books
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Low-income consumers -- Case studies. --- Poor -- Social conditions -- Case studies. --- Low-income consumers --- Poor --- Business & Economics --- Economic History --- Social conditions --- Disadvantaged, Economically --- Economically disadvantaged --- Impoverished people --- Low-income people --- Pauperism --- Poor, The --- Poor people --- Disadvantaged consumers --- Poor as consumers --- Economic conditions --- Persons --- Social classes --- Poverty --- Consumers
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Rental housing subsidy programmes have been an important part of the American welfare system since the 1930s. The Benefits of Subsidized Housing Programs: An Intertemporal Approach is an empirical study of the distributive effects of the entire system of rental housing subsidies for lower-income households based on a national sample. Using the 1977 Annual Housing Survey, Professor Hammond has evaluated the benefits of all federal, state and local government rental housing subsidy programmes taken as a whole across the nation. Additionally, she has estimated the changes in consumption patterns resulting from these programmes and the relationship between household benefit and household income; household size; age, education, sex, and race of the head of the household; and the geographic location of the household.
Low-income consumers --- Rent subsidies --- #SBIB:316.334.5U10 --- #SBIB:316.8H40 --- #SBIB:HIVA --- Disadvantaged consumers --- Poor as consumers --- Consumers --- Sociologie van stad en platteland: wonen en huisvesting --- Sociaal beleid: social policy, sociale zekerheid, verzorgingsstaat --- Social policy --- Public expenditure --- Economic geography --- United States --- Business, Economy and Management --- Economics --- United States of America
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"The book explores the vital role played by the financial service industries in enabling the poor to consume over the last hundred and fifty years. Spending requires means, but these industries offered something else as well - they offered practical marketing devices that captured, captivated and enticed poor consumers. Consumption and consumer markets depend on such devices but their role has been poorly understood both in the social sciences and in business studies and marketing. While the analysis of consumption and markets has been carved up between academics and practitioners who have been interested in either their social and cultural life or their economic and commercial organization, consumption continues to be driven by their combination. Devising consumption requires practical mixtures of commerce and art whether the product is an insurance policy or the next gadget in the internet of things . By making the case for a pragmatic understanding of how ordinary, everyday consumption is orchestrated, the book offers an alternative to orthodox approaches, which should appeal to interdisciplinary audiences interested in questions about how markets work and why it matters"--
Financial services industry --- Consumption (Economics) --- Low-income consumers. --- #SBIB:316.334.2A60 --- #SBIB:309H2812 --- Disadvantaged consumers --- Poor as consumers --- Consumers --- Consumer demand --- Consumer spending --- Consumerism --- Spending, Consumer --- Demand (Economic theory) --- Services, Financial --- Service industries --- History. --- Economische sociologie --- Marketing, consumentengedrag, consumentisme --- Private finance --- Consumer behavior --- Low-income consumers --- History
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The surprisingly high rate of supermarket patronage in low-income areas of Windhoek, Namibia's capital and largest city, is at odds with conventional wisdom that supermarkets in African cities are primarily patronized by middle and high-income residents and therefore target their neighbourhoods. What is happening in Namibia and other Southern African countries that make supermarkets so much more accessible to the urban poor? What are they buying at supermarkets and how frequently do they shop there? Further, what is the impact of supermarket expansion on informal food vendors? This report, which presents the findings from the South African Supermarkets in Growing African Cities project research in 2016-2017 in Windhoek, looks at the evidence and tries to answer these questions and others. The research and policy debate on the relationship between the supermarket revolution and food security is also discussed. Here, the issues include whether supermarket supply chains and procurement practices mitigate rural food insecurity through providing new market opportunities for smallholder farmers; the impact of supermarkets on the food security and consumption patterns of residents of African cities; and the relationship between supermarket expansion and governance of the food system, particularly at the local level.
Urban poor --- Low-income consumers --- Food security --- Supermarkets --- Grocery shopping --- Food --- Food buying --- Groceries --- Marketing (Home economics) --- Supermarket shopping --- Home economics --- Shopping --- Super markets --- Supermarts --- Grocery trade --- Food deserts --- Food insecurity --- Insecurity, Food --- Security, Food --- Human security --- Food supply --- Disadvantaged consumers --- Poor as consumers --- Consumers --- City dwellers --- Poor --- Purchasing --- E-books
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The Squeezed Middle brings together leading experts from both sides of the Atlantic to ask what the UK can learn from the US experience of stagnating wages and rising living costs.
Cost and standard of living --- Working class --- Wages --- Wage-price policy --- Low-income consumers --- Disadvantaged consumers --- Poor as consumers --- Consumers --- Incomes policy --- Jawboning --- Price-wage policy --- Wage-price controls --- Wage-price guidelines --- Anti-inflationary policies --- Economic policy --- Government policy --- E-books
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Social stratification --- Sociology of work --- Economic sociology --- United Kingdom --- Loans, Personal --- Financial institutions --- Low-income consumers --- Law and legislation --- Disadvantaged consumers --- Poor as consumers --- Consumers --- Financial intermediaries --- Lending institutions --- Associations, institutions, etc. --- Consumer loans --- Loans, Consumer --- Loans, Small --- Personal loans --- Small loans --- Consumer credit --- Loans
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This book is devoted to an issue that is the subject of growing interest amongst policy makers, financial providers and academics. That issue is the problem of unbanking or underbanking in developed countries. The issue has arisen because, faced with an ever more sophisticated and efficient financial system, an increasing number of people have found themselves in danger of being excluded from it. The goal of the papers that follow is to draw attention, both through a theoretical framework and through field study, to the need for banks, financial institutions, public authorities and non profit associations to increase their efforts to understand the process of financial exclusion, so that they can develop approaches to help people on low to moderate incomes to gain access to the whole range of financial services, from payment to savings, and from loans to investment. Some farsighted banks and financial institutions have already developed strategies, and introduced new products and services, to promote financial inclusion in these untapped markets. The research group is international and multi-disciplinary. The authors are grateful to the Italian Ministry for University Research (MIUR) for financial assistance provided under the “PRIN 2003” programme. The volume has been produced thanks to support from the University of Valle d’Aosta – Université de la Vallée d’Aoste (Italy), which has an leading reputation for encouraging research on financial innovation aimed at marginalised groups.
Banks and banking. --- Financial services industry. --- Low-income consumers. --- Disadvantaged consumers --- Poor as consumers --- Consumers --- Services, Financial --- Service industries --- Agricultural banks --- Banking --- Banking industry --- Commercial banks --- Depository institutions --- Finance --- Financial institutions --- Money --- Finance. --- Macroeconomics. --- Finance, general. --- Macroeconomics/Monetary Economics//Financial Economics. --- Economics --- Funding --- Funds --- Currency question --- Banks and banking --- Financial services industry --- Low-income consumers --- 332.17 --- 333.100 --- AA / International- internationaal --- Algemeenheden. Theorie en principes van de bankorganisatie en -techniek
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As economic growth slows in the developed world, the base of the pyramid (BoP) represents perhaps the last great, untapped market. Of the world's 7 billion inhabitants, around 4 billion live in low-income markets in the developing world. These 4 billion people deserve—and, increasingly, are demanding—better lives. At the same time, the business community seeks new opportunities for growth, and the development community is striving to increase its impact. With these forces converging, the potential for mutual value creation is tremendous. This book provides a roadmap for realizing that potential. Drawing on over 25 years of experience across some eighty countries, Ted London offers concrete guidelines for how to build better enterprises while simultaneously alleviating poverty. He outlines three key components that must be integrated to achieve results: the lived experiences of enterprises to date—both successes and failures; the development of an ecosystem that is conducive to market creation; and the voices of the poor, so that entrants can truly understand what poverty alleviation is about. London provides aspiring market leaders and their stakeholders with the tools and techniques needed to succeed in the unique, opportunity-rich BoP.
E-books --- Social entrepreneurship --- Industrial management --- Success in business --- Business planning --- Markets --- Poverty --- Low-income consumers --- Disadvantaged consumers --- Poor as consumers --- Consumers --- Public markets --- Commerce --- Fairs --- Market towns --- Business enterprises --- Business plans --- Corporate planning --- Corporate strategy --- Corporations --- Strategy, Corporate --- Planning --- Strategic planning --- Business --- Business failures --- Creative ability in business --- Prediction of occupational success --- Business administration --- Business management --- Corporate management --- Industrial administration --- Management, Industrial --- Rationalization of industry --- Scientific management --- Management --- Industrial organization --- Entrepreneurship
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