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Credit & credit institutions

See below for a selection of the latest books from Credit & credit institutions category. Presented with a red border are the Credit & credit institutions books that have been lovingly read and reviewed by the experts at Lovereading. With expert reading recommendations made by people with a passion for books and some unique features Lovereading will help you find great Credit & credit institutions books and those from many more genres to read that will keep you inspired and entertained. And it's all free!

Credit and Debts in an Unequal Society Establishing a Consumer Credit Market in South Africa

Credit and Debts in an Unequal Society Establishing a Consumer Credit Market in South Africa

Author: Jurgen Schraten Format: Hardback Release Date: 28/02/2020

South Africa was one of the first countries in the Global South that established a financialized consumer credit market. This market consolidates rather than alleviates the extreme social inequality within a country. This book investigates the political reasons for adopting an allegedly self-regulating market despite its disastrous effects and identifies the colonialist ideas of property rights as a mainstay of the existing social order. The book addresses sociologists, political scientists, anthropologists and legal scholars interested in the interaction of economy and law in contemporary market societies.

Credit Rating Governance Global Credit Gatekeepers

Credit Rating Governance Global Credit Gatekeepers

Author: Ahmed Naciri Format: Paperback / softback Release Date: 20/12/2019

Credit rating agencies play an essential role in the modern financial system and are relied on by creditors and investors on the market. In the recent financial crisis, their power and reliability were often questioned, yet a simple rating downgrade could threaten to bankrupt a whole country. This book examines the governance of credit rating agencies, as expressed by their ability to fairly, ethically and consistently assign higher rates to issuers having lesser default risks. However, factors such as the drive for increased revenue and market share, the inadequate business model, the inadequate methodology of assessing risk, opacity and inadequate internal monitoring have all been identified as critical governance failures for credit agencies. This book explores these issues, and proposes some potential solutions and improvements. This will be of interest to researchers and advanced students of corporate finance, finance, financial economics, risk management, investment management, and banking.

The Recognition of Prior Learning Power, Pedagogy and Possibility Conceptual and Implementation Guides

The Recognition of Prior Learning Power, Pedagogy and Possibility Conceptual and Implementation Guides

Format: Paperback / softback Release Date: 11/12/2019

RPL: Power, Pedagogy and Possibility is a useful guide for academics, planners, policy-makers and practitioners who deal with the Recognition of Prior Learning (RPL). Its theme of 'knowledgeable practice' marks a departure from much international literature in that it understands RPL as a social practice situated in context, rather than as a set of neutral technical procedures. The conceptual guide presents the theoretical perspectives developed to illuminate the complex relationships between context and RPL practice. These are put to work in three distinctive international contexts chosen to draw out epistemological and pedagogical issues and possibilities. These analyses provide the basis for an understanding of what is and a consideration of what could be. The implementation guide is structured around questions often asked by those interested in implementing RPL for the first time. The focus is practical, on researching and analysing particular institutional and curricular contexts to provide a local picture of what is, what could be and why. On that basis, the detail of how to implement an RPL procedure is also addressed.

From the Sea to the C-Suite Lessons Learned from the Bridge to the Corner Office

From the Sea to the C-Suite Lessons Learned from the Bridge to the Corner Office

Author: Cutler Dawson, Taylor Baldwin Kiland Format: Hardback Release Date: 30/11/2019

How do you quadruple the size of an 85-year-old company in one decade without changing its cultural DNA? How do you accomplish this while keeping your original base of customers wildly loyal and your employees passionately engaged? With Cutler Dawson at the helm for the last 14 years, Navy Federal Credit Union, the world's largest credit union, has quadrupled the size of the organisation and made it an industry leader in customer service. A retired Navy vice admiral with an esteemed 34-year career commanding ships and fleets, Cutler arrived at the venerable and conservative credit union and Set it on a course for meteoric growth. It is now one of the most fiercely trusted and smoothly run financial institutions in the world ranked by Fortune magazine as a Best Place to Work for eight years. How did Cutler and his team at Navy Federal do it? What did he learn on the ship's bridge that that helped him successfully run a bank--a credit union, actually? What did he learn leading ships and crews into harm's way that helped him weather the storms of the 2008 financial crisis without a layoff? And what can you learn from his leadership experience that began when he took command of his first ship at the age of 27? This book reveals an honest and straightforward look at Cutler's leadership philosophy and guiding principles, offering tangible and practical insights for readers who want to learn how to chart a similar course of success--one of exponential growth without compromising a company's bedrock principles.

The Regulation of Financial Planning in Australia Current Practice, Issues and Empirical Analysis

The Regulation of Financial Planning in Australia Current Practice, Issues and Empirical Analysis

Author: Angelique Nadia Sweetman (Central University of Queensland, Australia) McInnes Format: Hardback Release Date: 25/09/2019

This book investigates the legitimacy of the current Australian Financial Services Licensee-Authorised Representative (AFSL-AR) licensing model, as specified in the Commonwealth Corporations Act 2001. The book rectifies the deficiency in scholarly attention to this matter by developing a new conceptualised framework for the financial planning discipline. It takes into account theories in agency, legislation, legitimacy and the independent individual regulatory regimes in other professions; thereafter integrating this framework with the financial planning theory to examine the legitimacy, or what was found to be the illegitimacy of licensing advisers via multiple third party conflicted commercially oriented licensees. This book makes a very useful reference to understanding financial planning licencing model in Australia.

When Things Don't Fall Apart Global Financial Governance and Developmental Finance in an Age of Productive Incoherence

When Things Don't Fall Apart Global Financial Governance and Developmental Finance in an Age of Productive Incoherence

An account of the significant though gradual, uneven, disconnected, ad hoc, and pragmatic innovations in global financial governance and developmental finance induced by the global financial crisis. In When Things Don't Fall Apart, Ilene Grabel challenges the dominant view that the global financial crisis had little effect on global financial governance and developmental finance. Most observers discount all but grand, systemic ruptures in institutions and policy. Grabel argues instead that the global crisis induced inconsistent and ad hoc discontinuities in global financial governance and developmental finance that are now having profound effects on emerging market and developing economies. Grabel's chief normative claim is that the resulting incoherence in global financial governance is productive rather than debilitating. In the age of productive incoherence, a more complex, dense, fragmented, and pluripolar form of global financial governance is expanding possibilities for policy and institutional experimentation, policy space for economic and human development, financial stability and resilience, and financial inclusion. Grabel draws on key theoretical commitments of Albert Hirschman to cement the case for the productivity of incoherence. Inspired by Hirschman, Grabel demonstrates that meaningful change often emerges from disconnected, erratic, experimental, and inconsistent adjustments in institutions and policies as actors pragmatically manage in an evolving world. Grabel substantiates her claims with empirically rich case studies that explore the effects of recent crises on networks of financial governance (such as the G-20); transformations within the IMF; institutional innovations in liquidity support and project finance from the national to the transregional levels; and the rebranding of capital controls. Grabel concludes with a careful examination of the opportunities and risks associated with the evolutionary transformations underway.

Weiss Ratings Guide to Credit Unions, Fall 2019

Weiss Ratings Guide to Credit Unions, Fall 2019

Author: Weiss Ratings Format: Paperback / softback Release Date: 30/07/2019

More and more Americans are searching for a different option to traditional banking. Weiss Ratings Guide to Credit Unions answers this need. With this new reference tool at the ready, users will be able to find the credit unions in their area, determine which are the most financially stable and rest assured that their money is safe. This informative guide will be an important acquisition in any public library reference collection.

Unlocking SME Finance in Asia Roles of Credit Rating and Credit Guarantee Schemes

Unlocking SME Finance in Asia Roles of Credit Rating and Credit Guarantee Schemes

Author: Naoyuki (Asian Development Bank Institute, Japan) Yoshino Format: Hardback Release Date: 19/07/2019

There is limited access for small and medium-sized enterprises (SMEs) to bank credit. This book proposes new and sustainable models to help ease the access of SMEs to finance and boost economic growth and job creation in Asia. This book looks at the difficulties of SMEs in accessing finance and suggests ways on how to mitigate these challenges. It suggests how we can develop credit information infrastructures for SMEs to remedy the asymmetric information problem and to utilize credit rating techniques for the development of a sustainable credit guarantee scheme. The book provides illustrations of various Asian economies that implemented credit guarantee schemes and credit risk databases and is a useful reference for lessons and policy recommendations.

Weiss Ratings Guide to Credit Unions, Summer 2019

Weiss Ratings Guide to Credit Unions, Summer 2019

Author: Weiss Ratings Format: Paperback / softback Release Date: 30/05/2019

More and more Americans are searching for a different option to traditional banking. Weiss Ratings Guide to Credit Unions answers this need. With this new reference tool at the ready, users will be able to find the credit unions in their area, determine which are the most financially stable and rest assured that their money is safe. This informative guide will be an important acquisition in any public library reference collection.

Foundations of Global Financial Markets and Institutions

Foundations of Global Financial Markets and Institutions

Author: Frank J. Fabozzi, Frank J. Jones, Francesco A. Fabozzi, Steven V. Mann Format: Hardback Release Date: 30/04/2019

A thoroughly revised and updated edition of a textbook for graduate students in finance, with new coverage of global financial institutions. This thoroughly revised and updated edition of a widely used textbook for graduate students in finance now provides expanded coverage of global financial institutions, with detailed comparisons of U.S. systems with non-U.S. systems. A focus on the actual practices of financial institutions prepares students for real-world problems. After an introduction to financial markets and market participants, including asset management firms, credit rating agencies, and investment banking firms, the book covers risks and asset pricing, with a new overview of risk; the structure of interest rates and interest rate and credit risks; the fundamentals of primary and secondary markets; government debt markets, with new material on non-U.S. sovereign debt markets; corporate funding markets, with new coverage of small and medium enterprises and entrepreneurial ventures; residential and commercial real estate markets; collective investment vehicles, in a chapter new to this edition; and financial derivatives, including financial futures and options, interest rate derivatives, foreign exchange derivatives, and credit risk transfer vehicles such as credit default swaps. Each chapter begins with learning objectives and ends with bullet point takeaways and questions.

Principles of Commodity Economics and Finance

Principles of Commodity Economics and Finance

Author: Daniel P. (United States Department of State) Ahn Format: Hardback Release Date: 09/04/2019

A rigorous but practical introduction to the economic, financial, and political principles underlying commodity markets. Commodities have become one of the fastest growing asset classes of the last decade and the object of increasing attention from investors, scholars, and policy makers. Yet existing treatments of the topic are either too theoretical, ignoring practical realities, or largely narrative and nonrigorous. This book bridges the gap, striking a balance between theory and practice. It offers a solid foundation in the economic, financial, and political principles underlying commodities markets. The book, which grows out of courses taught by the author at Columbia and Johns Hopkins, can be used by graduate students in economics, finance, and public policy, or as a conceptual reference for practitioners. After an introduction to basic concepts and a review of the various types of commodities-energy, metals, agricultural products-the book delves into the economic and financial dynamics of commodity markets, with a particular focus on energy. The text covers fundamental demand and supply for resources, the mechanics behind commodity financial markets, and how they motivate investment decisions around both physical and financial portfolio exposure to commodities, and the evolving political and regulatory landscape for commodity markets. Additional special topics include geopolitics, financial regulation, and electricity markets. The book is divided into thematic modules that progress in complexity. Text boxes offer additional, related material, and numerous charts and graphs provide further insight into important concepts.

Should We Abolish Household Debts?

Should We Abolish Household Debts?

Author: Johnna Montgomerie Format: Hardback Release Date: 22/03/2019

We live in a culture of credit. As wages have stagnated, we've seen a dramatic surge in private borrowing across the western world; increasing numbers of households are sucked into a hopeless vortex of spiralling debt, fuelled by exploitative lending. In this book Johnna Montgomerie argues that the situation is chronically dysfunctional, both individually and collectively. She shows that abolishing household debts can put an end to austerity and to the unsustainable forward march of debt-dependent growth. She combines astute economic analysis with the elements of an accessible guide to practical policy solutions such as extending unconventional monetary policy to the household sector, providing pragmatic and affordable refinancing options, and writing off the most pernicious elements of household debt. This framework, she contends, can help us to make our economy fairer and to tackle both the housing crisis and accelerating inequality.