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1

Canada. Office of the Auditor General., ed. Financial management capability model. Office of the Auditor General of Canada, 1999.

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2

Canada. Office of the Auditor General., ed. Financial management capability model: Application guide. Office of the Auditor General of Canada, 1999.

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3

Mayer, Nadine. Financial Capability in der Kunde-Bank-Beziehung. Springer Fachmedien Wiesbaden, 2018. http://dx.doi.org/10.1007/978-3-658-21017-5.

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4

Appelbaum, Paul S., Carol Mason Spicer, and Frank R. Valliere, eds. Informing Social Security's Process for Financial Capability Determination. National Academies Press, 2016. http://dx.doi.org/10.17226/21922.

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5

Authority, Financial Services, ed. Money counts: Developing financial capability in the primary school. BEAM Education, 2000.

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6

New York (State). Division of Water, ed. Local financial capability analysis appendices, water resources management strategy. New York State/Dept. of Environmental Conservation, 1987.

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7

United States. Environmental Protection Agency. Office of Wastewater Management. and United States. Environmental Protection Agency. Office of Water. Municipal Support Division, eds. Combined sewer overflows: Guidance for financial capability assessment and schedule development. U.S. Environmental Protection Agency, Office of Wastewater Management, Municipal Support Division, 1997.

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8

National Symposium on Financial Capability (2005 Ottawa, Ont.). Why financial capability matters: Synthesis report on Canadians and their money : a National Symposium on Financial Capability held on June 9-10, 2005 in Ottawa. Policy Research Initiative, 2006.

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9

Shuen, Alex Pak Chin. A critique of the financial modelling capability of commonly-used spreadsheet packages. The Author], 1990.

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10

C, Hite Randolph, Sebastian Steven J, and United States. General Accounting Office, eds. IRS modernization: Continued improvement in management capability needed to support long-term transformation : statement of James R. White, Director, Tax Issues; Randolph C. Hite, Director, Information Technology Systems Issues; Steven J. Sebastian, Acting Director, Financial Management Issues [before] Congressional committees. The Office, 2001.

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11

Whiteley, John. Financial Capability. First & Best in Education Ltd, 2001.

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12

Romer, Todd. Guide to Financial Capability. Wiley & Sons, Incorporated, John, 2020.

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13

Huang, Jin, Margaret S. Sherraden, Mathieu R. Despard, et al. Build Financial Capability for All. Oxford University Press, 2018. http://dx.doi.org/10.1093/oso/9780190858988.003.0012.

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Nearly half of all American households are financially insecure, without adequate savings to meet basic living expenses for three months. We can significantly reduce economic hardship and the debilitating effects of poverty by adopting social policies that bolster lifelong income generation and safe retirement accounts; expand workforce training and re-training; and provide financial literacy and access to quality affordable financial services.
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14

Birkenmaier, Julie, Jami Curley, and Margaret Sherraden, eds. Financial Capability and Asset Development. Oxford University Press, 2013. http://dx.doi.org/10.1093/acprof:oso/9780199755950.001.0001.

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15

Financial Capability and Inclusion in Haiti. World Bank, Washington, DC, 2019. http://dx.doi.org/10.1596/33180.

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16

Federal Recommendations for Improving Financial Capability. Nova Science Pub Inc, 2013.

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17

Can Games Build Financial Capability? Financial Entertainment: A Research Overview. RAND Corporation, 2012. http://dx.doi.org/10.7249/wr963.

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18

Enhancing Financial Capability and Inclusion in Zambia. World Bank, Zambia, 2017. http://dx.doi.org/10.1596/28832.

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19

Claassen, Rutger. A capability framework for financial market regulation. Oxford University Press, 2017. http://dx.doi.org/10.1093/oso/9780198755661.003.0003.

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This chapter is about normative justifications for regulating markets. In leading handbooks as well as in the academic literature, a split is often made between economic justifications (based on the theory of market failure) and social justifications (mainly around considerations of paternalism and distributive justice). The chapter questions this dichotomy and calls for the development of an ethically coherent framework for market regulation. To do so, the chapter proposes to build on the capability approach, first developed by economist Amartya Sen and philosopher Martha Nussbaum. A capabili
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20

Zottel, Siegfried, Bilal Zia, and Fares Khoury. Enhancing Financial Capability and Inclusion in Senegal. World Bank, Washington, DC, 2016. http://dx.doi.org/10.1596/24675.

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21

Enhancing Financial Capability and Inclusion in Azerbaijan. World Bank, Washington, DC, 2016. http://dx.doi.org/10.1596/24955.

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22

Medicine, Institute of, National Academies of Sciences, Engineering, and Medicine, Board on the Health of Select Populations, Frank R. Valliere, and Committee to Evaluate the Social Security Administration's Capability Determination Process for Adult Beneficiaries. Informing Social Security's Process for Financial Capability Determination. National Academies Press, 2016.

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23

Birkenmaier, Julie, Margaret Sherraden, Jodi Jacobson Frey, Christine Callahan, and Anna Maria Santiago, eds. Financial Capability and Asset Building with Diverse Populations. Routledge, 2018. http://dx.doi.org/10.4324/9781351202312.

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24

Integrating Financial Capability into Government Cash Transfer Programs. World Bank, Washington, DC, 2018. http://dx.doi.org/10.1596/30116.

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25

Callahan, Christine, Julie Birkenmaier, Margaret S. Sherraden, Jodi Jacobson Frey, and Anne M. Santiago. Financial Capability and Asset Building with Diverse Populations. Taylor & Francis Group, 2020.

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26

Medicine, Institute of, National Academies of Sciences, Engineering, and Medicine, Board on the Health of Select Populations, Frank R. Valliere, and Committee to Evaluate the Social Security Administration's Capability Determination Process for Adult Beneficiaries. Informing Social Security's Process for Financial Capability Determination. National Academies Press, 2016.

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27

Medicine, Institute of, Carol Mason Spicer, National Academies of Sciences, Engineering, and Medicine, Board on the Health of Select Populations, and Frank R. Valliere. Informing Social Security's Process for Financial Capability Determination. National Academies Press, 2016.

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28

Informing Social Security's Process for Financial Capability Determination. National Academies Press, 2016.

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29

Making Sense of Financial Capability Surveys around the World: A Review of Existing Financial Capability and Literacy Measurement Instruments. Washington, DC, 2013. https://doi.org/10.1596/16251.

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30

Local financial capability analysis report, water resources management strategy. New York State Dept. of Environmental Conservation, 1987.

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31

Financial Capability and Asset Development: Research, Education, Policy, and Practice. Oxford University Press, Incorporated, 2013.

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32

Money Counts: Developing Financial Capability in the Scottish Primary School. BEAM, 2004.

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33

Hodges, Anthony. Building the Financial Capability of Young Americans: Recommendations and Resources. Nova Science Publishers, Incorporated, 2016.

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34

Birkenmaier, Julie, Jami Curley, and Margaret Sherraden. Financial Capability and Asset Development: Research, Education, Policy, and Practice. Oxford University Press, Incorporated, 2013.

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35

Nemecek, Martin. Relationship Between Financial Capability and Student Entrepreneurship at Scottish Universities. GRIN Verlag GmbH, 2018.

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36

Financial Capability and Asset Development: Research, Education, Policy, and Practice. Oxford University Press, Incorporated, 2013.

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37

Reddy, Rekha, Congyan Tan, and Miriam Bruhn. Financial Capability in Mexico : Results from a National Survey on Financial Behaviors, Attitudes, and Knowledge. World Bank, Washington, DC, 2013. https://doi.org/10.1596/16756.

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38

Reddy, Rekha, Congyan Tan, and Miriam Bruhn. Financial Capability in Colombia: Results from a National Survey on Financial Behaviors, Attitudes, and Knowledge. World Bank, Washington, DC, 2013. https://doi.org/10.1596/23692.

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39

Cook, Michael B. Combined Sewer Overflows: Guidance for Financial Capability Assessment and Schedule Development. Diane Pub Co, 1997.

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40

Financial Capability and Asset Building in Vulnerable Households: Theory and Practice. Oxford University Press, Incorporated, 2018.

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41

Mulaj, Florentina, Robert Holzmann, and Valeria Perotti. Financial Capability in Low- and Middle-Income Countries : Measurement and Evaluation. World Bank, Washington, DC, 2013. https://doi.org/10.1596/16293.

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42

Lundberg, Mattias, and Florentina Mulaj. Enhancing Financial Capability and Behavior in Low- and Middle-Income Countries. World Bank, Washington, DC, 2014. https://doi.org/10.1596/20085.

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43

Enhancing Financial Capability and Inclusion in Morocco : A Demand-Side Assessment. Washington, DC, 2014. https://doi.org/10.1596/21503.

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44

Enhancing Financial Capability and Inclusion in Mozambique : A Demand-Side Assessment. Washington, DC, 2014. https://doi.org/10.1596/19977.

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45

Callahan, Christine, Julie Birkenmaier, Margaret Sherraden, Jodi Jacobson Frey, and Anna Maria Santiago. Financial Capability and Asset Building with Diverse Populations: Improving Financial Well-Being in Families and Communities. Taylor & Francis Group, 2018.

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46

Callahan, Christine, Julie Birkenmaier, Margaret Sherraden, Jodi Jacobson Frey, and Anna Maria Santiago. Financial Capability and Asset Building with Diverse Populations: Improving Financial Well-Being in Families and Communities. Taylor & Francis Group, 2018.

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47

Callahan, Christine, Julie Birkenmaier, Margaret Sherraden, Jodi Jacobson Frey, and Anna Maria Santiago. Financial Capability and Asset Building with Diverse Populations: Improving Financial Well-Being in Families and Communities. Taylor & Francis Group, 2018.

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48

Callahan, Christine, Julie Birkenmaier, Margaret Sherraden, Jodi Jacobson Frey, and Anna Maria Santiago. Financial Capability and Asset Building with Diverse Populations: Improving Financial Well-Being in Families and Communities. Taylor & Francis Group, 2018.

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49

Callahan, Christine, Julie Birkenmaier, Margaret Sherraden, Jodi Jacobson Frey, and Anna Maria Santiago. Financial Capability and Asset Building with Diverse Populations: Improving Financial Well-Being in Families and Communities. Taylor & Francis Group, 2018.

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50

Prabhakar, Rajiv. Financial Inclusion. Policy Press, 2021. http://dx.doi.org/10.1332/policypress/9781447345466.001.0001.

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Should the public play a greater role within the financial system? Decisions about money are a part of our everyday lives. Supporters promote financial inclusion as a way of helping people navigate decisions about money. However, critics fear these policies promote the financialisation of the welfare state and turn citizens into consumers. Presenting a nuanced, critical analysis of financial inclusion, the book brings together the supportive and critical literatures which have, until now, developed in parallel. Addressing key issues including the poverty premium, financial capability and housi
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