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Record Nr. |
UNINA9910551828203321 |
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Autore |
Buckland Jerry |
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Titolo |
Financial vulnerability in Canada : the embedded experience of households / / Jerry Buckland and Brenda Spotton Visano |
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Pubbl/distr/stampa |
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Cham, Switzerland : , : Springer International Publishing, , [2022] |
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©2022 |
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ISBN |
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Descrizione fisica |
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1 online resource (191 pages) |
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Disciplina |
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Soggetti |
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Finance, Personal |
Households - Economic aspects |
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Lingua di pubblicazione |
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Formato |
Materiale a stampa |
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Livello bibliografico |
Monografia |
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Nota di contenuto |
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Intro -- Foreword -- Acknowledgments -- Contents -- List of Figures -- List of Tables -- List of Boxes -- 1 Introduction -- Defining Financial Vulnerability -- Financial Vulnerability: A Multi-dimensional Concept -- Why be Concerned with Financial Vulnerability? -- Nested Influences -- Canadian Financial Diaries Research -- Chapter Outline -- Works Cited -- 2 Theories and Evidence of Financial Vulnerability -- Consumer-based Explanations of Financial Vulnerability -- Behavior and Consumer Financial Vulnerability -- Psychology and Consumer Financial Vulnerability -- Institutional and Structural Explanations of Financial Vulnerability -- Social Networks and Consumer Financial Vulnerability -- The "Economy" and Consumer Financial Vulnerability -- Evidence of Inequality in Canada -- Institutional Barriers -- Financial Policies and Regulations and Consumer Financial Vulnerability -- Works Cited -- 3 Building a Financial Vulnerability Model -- The Canadian Financial Diaries Project -- Financial Diaries Participants -- Diversity in Financial Capability -- Agent or Structure? -- Financial Well-Being and Financial Vulnerability -- Finances and Overall Well-Being -- Analyzing the Financial Resilience of Diary Participants -- Financially Resilient -- Financially Vulnerable -- In Financial Crisis -- Financial Resilience Pathways -- Conclusion -- Works Cited -- 4 Socio-Cultural and Economic Institutions at the Local Level -- Migrating Poverty from the Core to the Suburbs -- Social Exclusion, Poverty, Social |
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Capital, and Development -- Class, Race, and Gender in Modest-Income Neighborhoods -- Economic Issues -- Welfare Support -- Community Financing and Economy -- Housing, Retail, Food Security, and Health -- Housing -- Retail Decline -- Food and Health Security -- Conclusion -- Works Cited -- 5 The Household as Financial Manager. |
Financial Vulnerability as Over-Indebtedness -- Financial Vulnerability from Mortgage Over-Indebtedness -- Conventional Liquidity Indicators of Mortgage Indebtedness -- Mortgage-Indebted Homeowners in Canada -- Financial Vulnerability from Conventional Non-Mortgage Debt -- Financial Vulnerability from High-Cost Debt -- Financial Vulnerability as More Than Over-Indebtedness -- Broader Material Indicators of Financial Vulnerability -- Today's Liquidity Problem -- Financial Insecurity and a Threat to tomorrow's Liquidity -- Savings and Household Solvency -- Socioeconomic Characteristics of Vulnerable Canadians -- Financial Vulnerability and Income -- Financial Vulnerability and Family Status -- Financial Vulnerability and Age -- Financial Vulnerability and Gender -- Financial Vulnerability as Subjective Stress -- Contributors to Financial Vulnerability -- Conclusion -- Works Cited -- 6 Markets and Financial Institutions -- Financial Vulnerability and Basic Financial Services -- Landscape of Basic Consumer Financial Services -- Mainstream Banking -- Payments Transactions -- Consumer Use of Mainstream Banking Services -- Alternative Financial Services -- Barriers, Benchmarks, and a Poverty Penalty -- Setting a Benchmark -- The Poverty Penalty in Basic Banking Services -- The Fragility of Low-Income Financial Vulnerability -- Financial Technology Innovation -- Fintech-Supported Services -- Consumer Use of Fintech -- Fintech and Financial Vulnerability -- Conclusion -- Works Cited -- 7 Principles and Policy Recommendations -- Our Examination of Financial Vulnerability -- Equity as a Guide to a Better Society -- Equity and Intersectionality -- Equity, the Economy, and Society -- Equity and Access to Basic Banking Services -- Policy Recommendations -- Education-Focused Policies -- Balancing Individual Responsibility with Embeddedness. |
Balancing Financial Literacy with Poverty Literacy -- Economic-Focused Policies -- Targeting Employment -- Targeting Incomes -- Banking-Focused Policies -- Access to Services at Mainstream Banks and Credit Unions -- Access to Consumer Financial Protection -- Consumer Supports-Advice and Advocacy for Canadians with Lower Incomes -- Conclusion -- Works Cited -- Index. |
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