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U.S. savings bonds, municipal bonds and tax-exempt bonds
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ISBN: 1634847032 9781634847032 9781634846981 Year: 2016 Publisher: New York

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Mobile financial services for economically vulnerable and underserved consumers
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ISBN: 1634845528 9781634845526 9781634845519 Year: 2016 Publisher: New York


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Low incomes
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ISBN: 160741175X 1614701954 9781614701958 9781607411758 Year: 2009 Publisher: New York


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The benefits of subsidized housing programs
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ISBN: 0521327520 0521074460 0511896190 9780511896194 9780521327527 9780521074469 Year: 1987 Publisher: Cambridge Cambridge University Press

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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.


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Devising consumption : cultural economies of insurance, credit and spending
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ISBN: 9780415694391 0415694396 9780203147870 9781136511790 9781136511745 9781136511783 9781138645356 Year: 2015 Publisher: New York London Routledge, Taylor & Francis Group

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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"--


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The Supermarket Revolution and Food Security in Namibia.
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ISBN: 1920597301 9781920597306 192059728X 9781920597283 Year: 2017 Publisher: Oxford Southern African Migration Programme (SAMP)

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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.


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The squeezed middle
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ISBN: 1447310829 1283975165 1447308956 9781447308959 9781447309512 1447309510 9781283975162 1447308948 9781447308942 9781447308935 144730893X 9781447310822 Year: 2013 Publisher: Bristol Policy

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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.


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Class and inequality in the time of finance : subject to terms and conditions
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ISBN: 9780367531010 0367531011 9781000427837 1000427838 9781000427813 1000427811 9781003080428 1003080421 9780367530990 Year: 2022 Publisher: London, England ; New York, New York : Routledge,

New frontiers in banking services : emerging needs and tailored products for untapped markets
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ISBN: 1280817453 9786610817450 3540464980 3540464972 3642079849 Year: 2007 Publisher: Berlin ; New York : Springer,

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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.


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The base of the pyramid promise
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ISBN: 9780804797337 0804797331 0804791481 9780804791489 Year: 2016 Publisher: Stanford, California

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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.

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