Building Financial Resilience Do Credit and Finance Schemes Serve or
This book examines how credit and finance schemes affect the financial lives of vulnerable people around the world. These schemes include payday lending, matched savings, and financial literacy in the Global North, and micro-credit and mobile banking in t
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Do Credit and Finance Schemes Serve or Impoverish Vulnerable People?
Jerry Buckland
Building Financial Resilience “Microcredit for the poor wins praise, while payday loans are seen as exploitative, but is it really so simple? Jerry Buckland provides an even-handed and wide- ranging assessment of the financial products, policies, and programs that increasingly shape the lives of low-income families. He gives readers the evidence and framework needed to understand how finance today affects the most vulnerable— and, ultimately, how finance can be improved.” —Jonathan Morduch, New York University, USA; co-author of The Financial Diaries: How American Families Cope in a World of Uncertainty “This valuable book comprehensively tackles the question of whether financial inclusion efforts help build the financial resilience of vulnerable people. The book finds that such efforts are double-edged swords, with the potential to help if appropriately created and deployed, and the potential to harm if not. Buckland convincingly argues that a consideration of the nuances of potential actions is crucial. Such a cautionary note is particularly welcome in the financial inclusion literature.” —Charles Klingman, Expert and Moderator of the US-based Unbanked Listserv
Jerry Buckland
Building Financial Resilience Do Credit and Finance Schemes Serve or Impoverish Vulnerable People?
Jerry Buckland International Development Studies Menno Simons College, Canadian Mennonite University, & University of Winnipeg affiliate Winnipeg, MB, Canada
ISBN 978-3-319-72418-8 ISBN 978-3-319-72419-5 (eBook) https://doi.org/10.1007/978-3-319-72419-5 Library of Congress Control Number: 2017964428 © The Editor(s) (if applicable) and The Author(s) 2018 This work is subject to copyright. All rights are solely and exclusively licensed by the Publisher, whether the whole or part of the material is concerned, specifically the rights of translation, reprinting, reuse of illustrations, recitation, broadcasting, reproduction on microfilms or in any other physical way, and transmission or information storage and retrieval, electronic adaptation, computer software, or by similar or dissimilar methodology now known or hereafter developed. The use of general descriptive names, registered names, trademarks, service marks, etc. in this publication does not imply, even in the absence of a specific statement, that such names are exempt from the relevant protective laws and regulations and therefore free for general use. The publisher, the authors and the editors are safe to assume that the advice and information in this book are believed to be true and accurate at the date of publication. Neither the publisher nor the authors or the editors give a warranty, express or implied, with respect to the material contained herein or for any errors or omissions that may have been made. The publisher remains neutral with regard to jurisdictional claims in published maps and institutional affiliations. Cover image © Ikon Images / Alamy Stock Photo Cover design by Emma J. Ha
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