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Access to Capital

United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Economic Policy

Published: 2012

Total Pages: 76


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Gaining financial equality through community activism.
Approx.393 pages Approx.393 pages
"The aim of this paper is to understand the mechanism underlying access to credit. Gine focuses on two important aspects of rural credit markets in Thailand. First, moneylenders and other informal lenders coexist with formal lending institutions such as government or commercial banks, and more recently, micro-lending institutions. Second, potential borrowers presumably face sizable transaction costs obtaining external credit. The author develops and estimates a model based on limited enforcement and transaction costs that provides a unified view of those facts. The results show that the limited ability of banks to enforce contracts, more than transaction costs, is crucial in understanding the observed diversity of lenders. This paper--a product of the Finance Team, Development Research Group--is part of a larger effort in the group to understand access to credit"--World Bank web site.
Developments in the global economy have drastically transformed traditional businesses and trading systems. New communications and computing technology have not only opened global trade but have also provided customers with more choices and transparent supply alternatives. As such, modern firms are forced to adapt effective strategies that allow them to stay competitive in a global economy. Entrepreneurial Orientation and Opportunities for Global Economic Growth provides innovative insights into the present-day trends and applications of entrepreneurship and innovation in relation to different countries’ economic and social development. The content within this publication encompasses topics including female entrepreneurship, internationalization, and social development. It is a vital reference source for policymakers, economists, academicians, researchers, entrepreneurs, business students, managers, and stakeholders seeking coverage on topics centered on adopting and implementing entrepreneurship in a modern setting.
Breaking Through the Access Barrier argues that the policies designed to address inequalities in college access are failing to address underlying issues of inequality. This book introduces academic capital formation (ACF), a groundbreaking new theory defined by family knowledge of educational options and the opportunities for pursuing them. The authors suggest focusing on intervention programs and public policy to promote improvement in academic preparation, college information, and student aid. This textbook offers: a new construct–academic capital–that integrates and draws upon existing literature on influencing access to college practical advice for better preparation and intervention real student outcomes, databases, and interviews taken from exemplary intervention programs empirical research illuminating the role of class reproduction in education and how interventions (financial, academic, and networking) can reduce student barriers quantitative and qualitative analysis of the importance and effectiveness of several major policy interventions. Written for courses on higher education policy and policy analysis, readers will find Breaking Through the Access Barrier offers valuable advice for working within new policy frameworks and reshaping the future of educational opportunities and access for under-represented students from disadvantaged backgrounds.