Hard Choices

Financial Exclusion, Fringe Banks and Poverty in Urban Canada

Business & Finance, Economics, Economic Conditions, Nonfiction, Social & Cultural Studies, Social Science, Sociology, Urban
Cover of the book Hard Choices by Jerry Buckland, University of Toronto Press, Scholarly Publishing Division
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Author: Jerry Buckland ISBN: 9781442662612
Publisher: University of Toronto Press, Scholarly Publishing Division Publication: March 30, 2012
Imprint: Language: English
Author: Jerry Buckland
ISBN: 9781442662612
Publisher: University of Toronto Press, Scholarly Publishing Division
Publication: March 30, 2012
Imprint:
Language: English

When low-income city dwellers lack access to mainstream banking services, many end up turning to ‘fringe banks,’ such as cheque-cashers and pawnshops, for some or all of their financial transactions. This predicament of ‘financial exclusion’ – faced by those underserved by conventional financial institutions – is comprehensively examined in Jerry Buckland's powerful study, Hard Choices.

The first account of the nature and causes of financial exclusion in Canada, Hard Choices thoroughly integrates economic and social data on consumer choice, bank behaviour, and government policy. Buckland demonstrates why the current two-tier system of banking is becoming increasingly dysfunctional, especially in the context of new credit products that aggravate income inequality and stifle local economic growth. Featuring a foreword by esteemed economics scholar John P. Caskey, Hard Choices presents pragmatic policy improvements on both the public and private levels that can promote and build financial inclusion for all.

View on Amazon View on AbeBooks View on Kobo View on B.Depository View on eBay View on Walmart

When low-income city dwellers lack access to mainstream banking services, many end up turning to ‘fringe banks,’ such as cheque-cashers and pawnshops, for some or all of their financial transactions. This predicament of ‘financial exclusion’ – faced by those underserved by conventional financial institutions – is comprehensively examined in Jerry Buckland's powerful study, Hard Choices.

The first account of the nature and causes of financial exclusion in Canada, Hard Choices thoroughly integrates economic and social data on consumer choice, bank behaviour, and government policy. Buckland demonstrates why the current two-tier system of banking is becoming increasingly dysfunctional, especially in the context of new credit products that aggravate income inequality and stifle local economic growth. Featuring a foreword by esteemed economics scholar John P. Caskey, Hard Choices presents pragmatic policy improvements on both the public and private levels that can promote and build financial inclusion for all.

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