The 2015 Brookings Financial and Digital Inclusion Project (FDIP) Report and Scorecard evaluate access to and usage of affordable financial services across 21 geographically and economically diverse countries. The 2015 FDIP Report and Scorecard seek to answer a set of fundamental questions about today's global financial inclusion efforts, including: 1) Do country commitments make a difference in progress toward financial inclusion?; 2) To what extent do mobile and other digital technologies advance financial inclusion?; and 3) What legal, policy, and regulatory approaches promote financial inclusion? John D. Villasenor, Darrell M. West, and Robin J. Lewis analyzed the financial inclusion landscape in Afghanistan, Bangladesh, Brazil, Chile, Colombia, Ethiopia, India, Indonesia, Kenya, Malawi, Mexico, Nigeria, Pakistan, Peru, the Philippines, Rwanda, South Africa, Tanzania, Turkey, Uganda, and Zambia. Countries received scores and rankings based on 33 indicators spanning four dimensions: country commitment, mobile capacity, regulatory environment, and adoption of traditional and digital financial services. The authors' analysis provides several takeaways with respect to expanding financial inclusion across diverse cultural, economic, and political contexts: · Country commitment is fundamental. · Movement toward digital financial services will accelerate financial inclusion. · Geography generally matters less than policy, legal, and regulatory changes, although some regional trends in terms of financial services provision are evident. · Central banks, ministries of finance, ministries of communications, banks, nonbank financial providers, and mobile network operators play major roles in achieving greater financial inclusion. · Full financial inclusion cannot be achieved without addressing the financial inclusion gender gap. This year's Report and Scorecard are the first of a series of publications intended to provide policymakers, the private sector, nongovernmental organizations, and the general public with information that can help improve financial inclusion in these countries and around the world.
As the volume of transactions in European financial markets continues to grow, the use of financial collateral, be it in the form of cash, shares, bonds or credit claims, has become a critical tool in supporting and managing risk in financial transactions. This book is the first of its kind to offer a systematic examination of the whole law relating to financial collateral. It does so in two parts. First, it explains the law created by the Financial Collateral Arrangements (No 2) Regulations 2003, the Directive it implemented and related legislation. Second, it examines how financial collateral is used in practice in a range of different markets. It will be an essential reference point for all legal practitioners operating in financial markets. Key features: • Analytical rigour combined with insight into how financial collateral works in practice, covering both English and Scots law • Valuable discussion of control and possession tests, right of use, remedy of appropriation, close-out netting and impact of ‘bail-in’ • Explains use of financial collateral in the derivatives market, clearing houses, direct and indirect securities holding systems and use of repos, securities lending and prime brokerage • Highlights key issues on regulatory treatment and conflicts of laws • Discusses direction of future law reform • Written by leading experts in the field.
Paul Krugman is one of the leading economic thinkers of our time. The examples he uses in this book include international experiences, so will appeal to a European audience and give students a more realistic view of how economics works in the real world.
Economics: European Edition is the ideal text for introductory economics, bringing together an international scope of real world examples and economic theory. The text is supported by a number of features to enhance student understanding as well as supplements to consolidate the learning process.
Essentials of Economics brings the same captivating writing and innovative features of Krugman/Wells to the one-term combined micro/macro course. Adapted by Martha Olney (coauthor of the Krugman/Wells study guide and overall coordinator of its media/supplements package), it is the ideal text for teaching basic economic principles in a real-world context to students who are not planning to continue up the economics curriculum.
Principles of Economics 7th edition combines microeconomics and macroeconomics into one volume for students who take a full year's course. The latest edition of this text continues to focus on important concepts and analyses necessary for students in an introductory economics course. In keeping with the authors' philosophy of showing students the power of economic tools and the importance of economic ideas, this edition pays careful attention to regional and global policies and economic issues ' such as climate change and resource taxation, the impacts of the ongoing global financial crisis, inflation, unemployment, interest rates, monetary and fiscal policy.
The brief and student-friendly approach of this book boils economics down to its essentials, by considering what is truly important for students to learn in their first course in economics. In keeping with the authors' philosophy of showing students the power of economic tools and the importance of economic ideas, this edition pays careful attention to regional and global policies and economic issues ' including the impacts of the ongoing global financial crisis, inflation, unemployment, interest rates, and monetary and fiscal policy. Continuing global financial uncertainty and the current state of the Australian economy provide a constant supply of new material, re-evaluated models, and policy changes and updates for the Principles of Macroeconomics text. The book emphasises the material that students should and do find interesting about the study of the economy, resulting in a focus on applications and policy, and less on formal economic theory. Principles of Macroeconomics, 7e encourages students to make their own judgements by presenting both sides of the debate on five controversial issues facing policymakers: the proper degree of policy activism in response to the business cycle, the choice between rules and discretion in the conduct of monetary policy, the desirability of reaching zero inflation, the importance of balancing the government's budget, and the need for tax reform to encourage saving.
Offering an accessible and thorough introduction to economics, this text offers real-world examples to bring theory to life. Students and lecturers will benefit from the vast array of supplements, including a companion website with extra material and resources
This book is based on the three separate studies that made up the Intra Family Income Study ... all of the Māori and Pacific Islands examples are taken from the [studies] ... enriched and extended the examples from the Pākehā study with details ... from unpublished interview notes"--P. [vii] and [ix].
This title provides a practical, comprehensive guide to domestic anti-money laundering law and regulation, increasingly seen as key weapons in the fight against serious and organised crime.
Beginning SQL Server 2008 Express for Developers: From Novice to Professional takes a developer, and even a database administrator, from knowing nothing about SQL Server 2008 Express Edition to being ready to design and build a fully functioning system that is secure, reliable, maintainable, and robust. The Express Edition of SQL Server is a free resource commonly used by students, developers of small systems, and those transferring skills from other databases. This book focuses on the features within the Express Edition and therefore will not confuse readers with coverage of features found only in the Development Edition. By the end of the book, readers will be ready to move on to Accelerated SQL Server 2008 as well as other books within the Apress SQL Server lineup such as Pro SQL Server 2008 Reporting Services. Covers using the free Express Edition of SQL Server Describes creating a database from scratch and builds on this Provides an understanding of SQL Server Express 2008, allowing you to build future solutions for you and your business What you’ll learn Learn what features exist within SQL Server 2008 Express Edition and how to install and upgrade the product and set up security. Design and create a database. Build database objects, such as tables and stored procedures, graphically as well as programmatically. Work with data—inserting, updating, deleting, and retrieving—using simple and complex queries, programs, and data views. Generate reports from data. Implement a solid database maintenance strategy that includes backing up and restoring your data when necessary. Take advantage of advanced Transact–SQL techniques to get the most out of your data. Ensure good performance by building the right indexes, defining the right relationships between tables, and joining tables in the most optimal manner. Who this book is for Anyone interested in working with SQL Server as a database, and particularly those who wish for a no–cost database platform that plays well in the .NET environment. Ideal for those starting out in IT or who have to prior database experience.
When it comes drawing on enduring economic principles to explain current economic realities, there is no one readers trust more than Paul Krugman. With his bestselling introductory textbook (now in a new edition) the Nobel laureate and New York Times columnist is proving to be equally effective in the classroom, with more and more instructors in all types of schools using Krugmans signature storytelling style to help them introduce the fundamental principles of economics to all kinds of students.
Essential Foundations of Economics was developed on the premise that economics is a core competency for the responsible citizen and a foundation tool for every type of career. Bade/Parkin package is designed to encourage learning by doing. Each chapter concentrates on a manageable number of core concepts that are called out in the beginning of chapter Checklist. Students know what they're expected to learn and are given the chance to apply those lessons to real-world problems. Practice is the cornerstone of the innovative Bade/Parkin approach. A full page Checkpoint containing a Practice Problem with solution and a parallel Exercise immediately follows each main idea. Checkpoints serve as stopping points and encourage students to practice using a concept before moving on. Different learning styles need different learning tools, and Bade/Parkin's extensive and tightly integrated web environment puts students in the driver's seat and allows them to use technology in the way that suits them best.
Adapted by Paul Krugman and Robin Wells from their bestselling macroeconomics textbook, Macroeconomics in Modules is the only text for the principles of macroeconomics course organized in the supremely accessible, highly effective modular format. Instead of chapters of standard length, the book covers the fundamentals of macroeconomics in 49 brief (4-10 page) modules divided into 14 sections. Macroeconomics in Modules offers the best of what makes Krugman/Wells a classroom favorite (story-telling approach, engaging writing, fascinating examples and cases), in a format students and instructors will love. Extensive educational research shows that students absorb more from shorter reading assignments than longer ones. And with coverage in self-contained modules, instructors can assign specific topics without asking students to read entire chapters.
When it comes to explaining current economic conditions, there is no economist readers trust more than New York Times columnist and Nobel laureate Paul Krugman. Term after term, Krugman is earning that same level of trust in the classroom, with more and more instructors introducing students to the fundamental principles of economics via Krugman’s signature storytelling style. The new Third Edition of Paul Krugman and Robin Wells’s Economics is their most accomplished yet—extensively updated to offer new examples and stories, new case studies from the business world, and expert coverage of the ongoing financial crisis.
The Individual Service Funds Handbook is the definitive guide to one of the most innovative forms of personal budget in health and social care. It gives a clear explanation of what Individual Service Funds (ISFs) are, how to use them effectively and includes all the information you need in order to implement them in your organisation. The Handbook spans a range of settings, including a dementia care home, supported living and residential homes for adults with learning disabilities and people who use mental health services. It also sets out guidelines and templates which can be used when implementing ISFs, addressing key practical concerns including: how to put together effective support plans, and how to ensure that ISFs are delivered in a person-centred way, how to overcome organisational complexities in implementation and supporting managers. A one-stop resource for anyone wanting to understand the potential of ISFs, the Handbook is required reading for service providers, commissioners, and those engaged in person-centred practice and personalisation, including user-led organisations.
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