图书标签: 经济 穷人 金融 英文 银行家 财务管理 心理学 尤努斯
发表于2024-11-23
Portfolios of the Poor pdf epub mobi txt 电子书 下载 2024
Nearly forty percent of humanity lives on an average of two dollars a day or less. If you've never had to survive on an income so small, it is hard to imagine. How would you put food on the table, afford a home, and educate your children? And how would you handle emergencies and old age? Every day, more than a billion people around the world must answer these questions. "Portfolios of the Poor" is the first book to systematically explain how the poor find solutions to their everyday financial problems. The authors conducted year-long interviews with impoverished villagers and slum dwellers in Bangladesh, India, and South Africa - records that track penny by penny how specific households manage their money. The stories of these families are often surprising and inspiring. Most poor households do not live hand to mouth, spending what they earn in a desperate bid to keep afloat. Instead, they employ financial tools, many linked to informal networks and family ties. They push money into savings for reserves, squeeze money out of creditors whenever possible, run sophisticated savings clubs, and use microfinancing wherever available. Their experiences reveal new methods to fight poverty and ways to envision the next generation of banks for the 'bottom billion.' Indispensable for those in development studies, economics, and microfinance, "Portfolios of the Poor" will appeal to anyone interested in knowing more about poverty and what can be done about it.
乔纳森•默多克(Jonathan Morduch) 纽约大学公共政策和经济学教授,拥有哈佛大学经济学博士学位。专注于微型金融和金融市场方面的研究,研究组织FAI(Financial Access Initiative)的领导者。《微型金融经济学》(The Economics of Microfinance)的作者之一。
斯图尔特•拉瑟福德(Stuart Rutherford) 孟加拉国微型金融机构SafeSave的创始人。拥有剑桥大学一等学位。他用超过三十年的时间来了解穷人的理财生活,并前往拉丁美洲、非洲和亚洲的贫民窟和村庄地区进行深入的考察和研究。曾著《穷人和他们的钱》(The Poor and Their Money)。
达瑞尔•柯林斯(Daryl Collins) 美国波士顿BFA(Bankable Frontier Associates)高级顾问。曾任南非开普敦大学高级讲师,拥有伦敦经济学院经济学学士和硕士学位。
奥兰达•鲁思文(Orlanda Ruthven) 现任职于Impactt贸易咨询组织。曾在英国国际发展部(DFID)从事微型金融研究和咨询工作。拥有曼彻斯特大学人类学学士学位,伦敦大学亚非学院发展研究硕士学位,牛津大学国际发展博士学位。
一句话简介:运用日记记录不确定的收入和风险对穷人在储蓄、借贷、保险等方面的影响
评分一句话简介:运用日记记录不确定的收入和风险对穷人在储蓄、借贷、保险等方面的影响
评分一句话简介:运用日记记录不确定的收入和风险对穷人在储蓄、借贷、保险等方面的影响
评分一句话简介:运用日记记录不确定的收入和风险对穷人在储蓄、借贷、保险等方面的影响
评分对了解南亚和南非的穷人管理金钱的手段方法工具心态等有不错的记录,也介绍了针对穷人的新型金融工具应该满足哪些需求具备哪些特点。不过叙述偏罗列事实,读起来趣味性不高;而且作者略啰嗦,很多观点翻来覆去讲。
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Portfolios of the Poor pdf epub mobi txt 电子书 下载 2024