Financial exclusion – exploring dimensions, challenges and prospects
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This document invites submissions for a special issue on the topic of financial exclusion. It provides background on financial exclusion and how it acts as a barrier to economic and social integration. Possible topics for submission are outlined and include dimensions of financial exclusion, its causes and consequences, indicators for measuring it, and the role of various institutions in alleviating it. Authors are invited to submit abstracts by June 15, 2015 for peer review, with full papers due September 15, 2015.
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2. While progress has been made in recent decades to improve access to financial services, around 2 million UK adults still do not have a bank account and many lack savings or insurance.
3. The Commission took evidence around the country and heard the desire for a more coordinated national effort to promote inclusion and ensure all UK residents can access and benefit from financial services.
Introducing financial instruments for the European Social Fund
This handbook gives an overview of the scope for financial instruments to promote inclusion, sustainable jobs and better education.
It helps managing authorities and European Social Fund (ESF) stakeholders to understand the potential offered by financial instruments to leverage and increase the effectiveness and efficiency of ESF programmes to achieve specific objectives and investment priorities.
Further, this reference guide also targets financial intermediaries both:
• traditional, such as banks and credit or capital institutions and;
• non‐bank, such as NGOs and foundations, equity fund providers, specialised microfinance and community
development financial institutions, as well as government bodies and institutions.
The handbook shows what a financial instrument is and the difference to other policy tools. It describes why financial instruments are relevant for the ESF and what they can be directed towards. It also provides a preliminary description of how and who can implement financial instruments, as well as what the main financial products are.
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Responsible Investing is a process in which the Environmental, Social and Governance (ESG) criteria are taken into account along with the usual financial criteria.
Part I deals with listed RI (SRI funds and stocks) : Is it still a credible alternative against the mainstream ?
Part II deals with microfinance and impact investing
The author, Xavier Heude has been entirely dedicated to the development of Responsible Finance by the mean of promoting Impact Investing, mainly. He is convinced that Private and Institutional investors are growingly interested in putting some part of their money in business activities or projects where they can themselves follow up the financial performance, and last but not least, the social and environmental outcomes generated.
He is Co-founder of meso IMPACT Finance, a Luxembourg-based holding company aimed at taking stakes in SMEs that generate a social and environmental (measurable) impact. MIF helps them develop through a financial and extra-financial support (i.e. technical assistance).
He is also co-founder of Backbone, an advisory company specialized in the sourcing of projects that generate social / environmental impact. www.backbone.eu.com
Xavier Heude founded also the “PEERS Direct Investment” – registered trademark in 2011, after having stated for many years, that there are still quite few incentives and operational frameworks and guidelines allowing and encouraging a large public to invest in socially responsible business activities or to support valuable social initiatives.
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D033015020
This document summarizes an analytical study on the relevance of financial inclusion for developing nations. It discusses the need for financial inclusion to promote equitable growth and reduce income disparities. The objectives of the study are to explore the need for financial inclusion in promoting economic and social development, analyze India's current status of financial inclusion, and examine access to banking in rural areas. The study finds that while financial inclusion plays a catalytic role, more progress is still needed to achieve desired outcomes. It also reviews initiatives taken in India to promote financial inclusion since 2005.
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CASE Network Studies and Analyses 429 - The International Crisis and Latin Am...
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Latin America has been strongly affected by the international crisis and recession since late 2008. In comparison to historical experience, how has Latin America coped with the global crisis, which has been the role of different transmission mechanisms, and how have the region's structural and policy conditions affected its sensitivity to foreign shocks? Moreover, what policies can protect the region better from world crises and shocks, and to which extent should it rely on a strategy of close trade and financial integration into a world economy punctuated by shocks and crises? This paper addresses the latter questions in three steps. First, by assessing empirically the sensitivity of growth in the region's seven major economies during 1990-2009 to large number of structural and cyclical factors, based on high-frequency panel-data estimations. Second, by using the latter results to decompose the amplitude of GDP reductions in both recessions according to the individual and combined contribution of the different growth factors. Third, to derive the main implications of the results for the choice of macroeconomic regimes and development strategies.
Authored by: Vittorio Corbo and Klaus Schmidt-Hebbel
Published in 2011BASIC BANKING SERVICE’S A WAY FOR PAVE FINANCIAL INCLUSION DIMENSION
This document discusses the importance of basic banking services in promoting financial inclusion. It defines financial inclusion as access to and use of financial services by all segments of society. Providing basic banking services like savings accounts, payment systems, and small loans is crucial for financial inclusion as it allows people to manage their finances and build credit. However, many people worldwide still lack access to basic banking services due to barriers like geographical isolation or lack of financial literacy. The document examines how basic banking services lead to financial inclusion by providing savings options, payment methods, and access to credit. It also discusses the role of digital banking, financial education, microfinance, and government partnerships in expanding financial inclusion. Finally, it reviews different theoretical dimensions proposed for measuring financial
2010 vol x_no_1_ijgfm
The article provides a conceptual analysis of four key issues in the IPSASB's proposed conceptual framework for public sector financial reporting:
1. The meaning of "conceptual framework" which could cause misunderstandings if not clearly defined.
2. The objectives of accountability and decision-usefulness create tension that the framework does not adequately address. Priority should be given to one over the other.
3. The scope of public sector financial reporting is broader than private sector but this is not fully reflected in the framework.
4. The qualitative characteristics proposed need revision to better reflect the priorities and trade-offs in public sector reporting. Specifically, the characteristics of faithful representation and relevance require redefinition for the public
Audience and Industry
Technological changes have forced newspapers like The Guardian and The Daily Mail to converge online. This has affected their production, distribution, and circulation of news.
Both newspapers have had to shift production towards multimedia content like videos. They also face more competition in quickly breaking news on social media. Distribution is now both physical and digital, while circulation has declined greatly in print but increased online through free content.
However, their ownership structures and political values still influence content. The Guardian is owned by the nonprofit Scott Trust and holds liberal values. The Daily Mail is owned by the for-profit Daily Mail and General Trust and takes a conservative stance. This shapes how they cover the same stories and target different audiences.
Islamic Finance, the SDGs & Impact Investing
The presentation discusses how Islamic finance can help support the UN's 2030 Development Agenda and Sustainable Development Goals (SDGs). It provides an overview of the SDGs and the large financing needs to achieve them. Islamic finance principles of risk sharing and asset-backed financing align well with mechanisms to mobilize private capital like public-private partnerships for infrastructure. The presentation also explores opportunities for Islamic finance in impact investing. It argues Islamic finance could play a meaningful role in achieving the SDGs both on its own and by complementing conventional financing approaches and mechanisms.
Aid and Development Policy
This document discusses perspectives on foreign aid and development policy. It outlines different types of aid and perspectives on its effectiveness. There are seen to be three main perspectives: radicals who reject aid as post-colonial guilt; sceptics who believe aid often does more harm than good by creating dependencies and hindering free markets; and optimists who believe aid can be effective if countries have ownership over projects and goals. The document also discusses the Paris Declaration which established principles to improve aid effectiveness through country ownership, donor coordination, and mutual accountability.
Digital Artifact
Are Financial institutions properly structured to achieve the 2030 SDGs through financial development?
Microfinance
This document provides a comprehensive literature review of over 350 articles on microfinance published in peer-reviewed academic journals. It begins with an introduction to microfinance and overview of the growth of the industry and academic research on the topic. It then summarizes the existing literature on microfinance in six sections: institutional sustainability, products and services, best practices in management, client targeting, policy and regulation, and assessing social impact. The purpose is to introduce the topic of microfinance to the academic finance community by outlining the key issues and research in the field.
Research Inventy : International Journal of Engineering and Science
Research Inventy : International Journal of Engineering and Science is published by the group of young academic and industrial researchers with 12 Issues per year. It is an online as well as print version open access journal that provides rapid publication (monthly) of articles in all areas of the subject such as: civil, mechanical, chemical, electronic and computer engineering as well as production and information technology. The Journal welcomes the submission of manuscripts that meet the general criteria of significance and scientific excellence. Papers will be published by rapid process within 20 days after acceptance and peer review process takes only 7 days. All articles published in Research Inventy will be peer-reviewed.
Micro finace.....by prince bright akinola
THE RELATIONSHIP BETWEEN MICROFINANCE, ENTREPRENEURSHIP AND SUSTAINABILITY IN REDUCING POVERTY IN DEVELOPING NATIONS
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This issue of the International Journal on Governmental Financial Management contains 6 articles related to public sector accounting, auditing, and financial management. The first two articles discuss developments in external auditing of local governments in Europe and the role of internal audit in promoting governance and performance in African governments. The third article outlines the differences between government and business accounting. The next article continues a series on cameral accounting which was developed for public sector entities. The final two articles review the role of public accounts committees in Bangladesh and discuss the importance of prudent financial management in the public sector.
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Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
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financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
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Financial exclusion – exploring dimensions, challenges and prospects
- 1. Financial exclusion – exploring dimensions, challenges and prospects Call for Papers for a Special Issue 2015
- 2. Financial exclusion – exploring dimensions, challenges and prospects Dear colleagues, We would like to invite you to submit abstracts for papers to be presented in the Taadler’ Special Issue.
- 3. Financial exclusion – exploring dimensions, challenges and prospects In the last decade financial exclusion has acquired a distinct place on the agenda of national and European Union bodies. Governments agree that, when fighting against poverty and social exclusion, financial exclusion cannot be removed from the broader picture. Through its two forms, namely the difficulty of accessing banking products and services and the difficulty of using them, financial exclusion acts as a barrier to economic and social integration of a person.
- 4. Financial exclusion – exploring dimensions, challenges and prospects Financial exclusion is due primarily to the failure of conventional financial institutions to adapt to the needs of different social groups, caused by banks' selectivity, profit–orientation, lack of explicit information and transparency practiced by traditional banks.
- 5. Financial exclusion – exploring dimensions, challenges and prospects On this background, several questions arise, such as: What role could play civil society and financial institutions (both mainstream banks and socially-oriented ones) to facilitate the financial inclusion of a larger number of people? What could be the contribution of the financial sector's regulations and social responsibility in alleviating financial exclusion?
- 6. Financial exclusion – exploring dimensions, challenges and prospects The special volume will welcome conceptually or empirically based papers that investigate issues related to financial exclusion phenomenon. Possible topics could include, but are not limited to: • Financial exclusion typologies: credit exclusion, savings exclusion, banking transactions exclusion; • Causes and consequences of financial exclusion, from a social, economic and financial standpoint;
- 7. Financial exclusion – exploring dimensions, challenges and prospects Possible topics could include, but are not limited to: • Indicators for measuring the degree or level of financial exclusion; • The relationship between financial and social exclusion; • Microfinance as a tool for addressing financial exclusion; • Mainstream banking involvement in mitigating financial exclusion;
- 8. Financial exclusion – exploring dimensions, challenges and prospects Possible topics could include, but are not limited to: • Financial products and services developed by socially-oriented financial institutions to address financial exclusion; • European and national regulatory challenges and incentives meant to promote financial inclusion; • Civil society’s potential implication and role in enhancing the financial markets’ socially responsible behavior, as a way to fight against financial exclusion.
- 9. Financial exclusion – exploring dimensions, challenges and prospects Possible topics could include, but are not limited to: • Indicators for measuring the degree or level of financial exclusion; • The relationship between financial and social exclusion; • Microfinance as a tool for addressing financial exclusion; • Mainstream banking involvement in mitigating financial exclusion;
- 10. Financial exclusion – exploring dimensions, challenges and prospects Taadler.com is an international and multidisciplinary forum for presenting relevant ideas concerning changes in economic, political, social and religious issues. Taadler Publishing House (Ukraine) welcomes papers that investigate any aspects of ethical banking and microfinance.
- 11. Financial exclusion – exploring dimensions, challenges and prospects Date to observe: Please enclose at the beginning of your article an abstract (maximum 200 words) as well as the author's name(s) and affiliation addresses and eventually short biographic note by June 15th , 2015 to info@taadler.com. Those who submit a proposal will be advised by July 10th, 2015. Deadline for full papers: September 15th, 2015 Please submit at: http://taadler.com/submit_manuscript
- 12. We are looking forward to your proposals. Guest Editors Prof. Ph.D. Teodora Barbu, Assist.Prof. Ph.D. Iustina Boitan The Bucharest University of Economic Studies, Romania Faculty of Finance, Insurance, Banking and Stock Exchange Financial exclusion – exploring dimensions, challenges and prospects
- 13. If you have any questions or proposals, don’t hesitate to contact us. Our contact: info@taadler.com Yours Taadler Team Financial exclusion – exploring dimensions, challenges and prospects