Relevant bibliographies by topics / Village Savings and Loan Associations

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  1. Journal articles
  2. Dissertations / Theses
  3. Books
  4. Book chapters
  5. Reports

Academic literature on the topic 'Village Savings and Loan Associations'

Author: Grafiati
Published: 1 July 2021
Last updated: 17 February 2022

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Journal articles on the topic "Village Savings and Loan Associations"

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Chivasa, Norman. "Instituting village savings and loan associations scheme through action research in Zimbabwe." International Journal of Action Research 16, no. 3-2020 (January 13, 2021): 184–201. http://dx.doi.org/10.3224/ijar.v16i3.02.

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lage savings and loan associations schemes have become one of the critical survival strategies amidst poverty, inequality and financial exclusion thus helping low income communities to ride out poverty and make their savings and to eke out a living. However, the use of scientific procedures by ordinary people when establishing such initiatives in their villages is under-reported. This study, therefore, sought to test the utility of the action research (AR) methodology in establishing a low cost village savings and loan associations scheme intervention, with a view to assessing the extent to which the scheme can improve the livelihoods of members of the scheme, and draw lessons for future interventions. The process involved planning, designing, establishing and evaluating a village savings and loan association scheme initiative involving 15 individual members (inclusive of the researcher) in ward 8 of Seke district, Zimbabwe. Results showed that creating village savings and loan associations is possible using action research, as community participation in the design, implementation and day-to-day operations of such initiatives guaranteeing ownership and control of the initiative by the host group scheme are almost natural to action research. One of the comparative advantages of using action research is that it creates spaces for ordinary people to share their experiences, reflect, and come up with context-specific solutions, as they take responsibility for their financial wellbeing, thus helping to meet their socio-economic needs and aspirations. The strength of village savings and loan associations is that they can be replicated. The study recommends that in the era of COVID-19, social distancing rules and regulations introduced to contain the virus should be observed.
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Anyango, Ezra, Ezekiel Esipisu, Lydia Opoku, Susan Johnson, Markku Malkamaki, and Chris Musoke. "Village Savings and Loan Associations: experience from Zanzibar." Small Enterprise Development 18, no. 1 (March 2007): 11–24. http://dx.doi.org/10.3362/0957-1329.2007.004.

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Ksoll, Christopher, Helene Bie Lilleør, Jonas Helth Lønborg, and Ole Dahl Rasmussen. "Impact of Village Savings and Loan Associations: Evidence from a cluster randomized trial." Journal of Development Economics 120 (May 2016): 70–85. http://dx.doi.org/10.1016/j.jdeveco.2015.12.003.

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Musinguzi, Laban Kashaija. "The role of social networks in savings groups: insights from village savings and loan associations in Luwero, Uganda." Community Development Journal 51, no. 4 (December 19, 2015): 499–516. http://dx.doi.org/10.1093/cdj/bsv050.

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Brannen, Conner, and Damien Sheehan-Connor. "Evaluation of the impact of Village Savings and Loan Associations using a novel survey instrument." Development Southern Africa 33, no. 4 (May 20, 2016): 502–17. http://dx.doi.org/10.1080/0376835x.2016.1179097.

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Setiadi, Teguh. "APPLICATION OF INFORMATION SYSTEMS FOR TRANSACTION REPORTS BADAN KESWADAYAAN MASYARAKAT SEJAHTERA CASE STUDY SUMBEREJO KENDAL VILLAGE." SAINTEKBU 11, no. 2 (September 3, 2019): 28. http://dx.doi.org/10.32764/saintekbu.v11i2.358.

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Abstract BKM Sejahtera is a collective leadership institution from a community association in the village of Sumberejo which has the role of mobilizing the potential and resources of the community in an effort to overcome various development issues in the village / village area. BKM Sejahtera still has many obstacles in its operations including the process of making reports and transactions - transactions that occur are still done conventionally, namely the making of reports still using Microsoft Excel as a recording of existing transactions but it is less effective because it requires a relatively long time in presenting reports finance, especially savings and loans and as a storage method, are relatively inefficient because they do not use databases so that they require a large space and difficulties in finding data. The risk of errors in the transaction process and the making of a savings and loan report are relatively high because the data written in the transaction book is sometimes not the same as the data inputted in Microsoft Excel. To overcome the above problems, an Information System Application will be made to the Prosperous Community Self-Help Agency Using the Accrual Basis Method. This application will produce financial reports per period, loan transaction reports, installment transaction reports, savings and loan transaction reports and withdrawal transaction reports. This application is made using a programming language that is PHP for the application interface and MySQL for database processing software. With this application can facilitate transactions and also can facilitate in getting financial reports quickly and have a database as a safe storage medium.
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Allen, Hugh. "Village Savings and Loans Associations — sustainable and cost-effective rural finance." Small Enterprise Development 17, no. 1 (March 2006): 61–68. http://dx.doi.org/10.3362/0957-1329.2006.009.

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Maliti, Emmanuel. "Deviation of community savings groups from their apparent methodology." International Journal of Social Economics 44, no. 3 (March 6, 2017): 326–36. http://dx.doi.org/10.1108/ijse-05-2015-0112.

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Purpose The purpose of this paper is to provide generalised views on ways in which field practice in Tanzania deviates from the village savings and lending associations (VSLA) methodology. Design/methodology/approach The research applied “participant observation method” involving actual participation in the weekly meetings of the surveyed savings groups. Findings Field practices deviate from the VSLA methodology. Deviations include the tendency for the savings groups to simplify financial intermediation by regressing from using loan guarantors, relying on external enforcement to recover debts from group members (rather than depending on within group enforcement mechanisms), use of social funds to recover loans, limited attendance in weekly group meetings and accumulation of debts towards share-out dates. Research limitations/implications Results from this study are relevant to Ilala district where VSLA groups were sampled from. Cautious reading is therefore necessary when attempting to generalise findings to other areas with different social, economic and institution settings. Practical implications VSLA model needs to consider a number of issues. They include devising means to accommodate field realities; from simplification of financial intermediation activities to the dependence of the savings groups on external enforcement. Social implications Social implications include a possible improved VSLA model based on the findings from this study, to further advance the performance of community-based savings groups. Originality/value By revealing the deviation of the VSLA methodology from the practice, the study adds value to the literature which is largely dominated by economic and poverty impact of savings groups.
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Theophilus, Kwarteng Amaning, and Sarfo-Mensah Paul. "The Impact of Savings Groups on Female Agency: Insights from Village Savings and Loans Associations in Northern Ghana." Asian Journal of Agriculture and Rural Development 9, no. 2 (August 5, 2019): 133–46. http://dx.doi.org/10.18488/journal.1005/2019.9.2/1005.2.133.146.

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In this paper we examined how participation in savings groups like the Village Savings and Loans Associations (VSLAs) influence women’s agency in rural Ghana, i.e. their ability to freely participate in group activities and act on other issues and matters that affect them. Both quantitative and qualitative data were collected from VSLA and nonVSLA members to compare the effect between participants and nonparticipants. We used three dimensions of agency adapted from the Women's Empowerment in Agriculture Index (WEAI) to assess female agency: women’s participation and decision making in groups; women’s comfort with public speaking; and women’s decision making in their households. A significant finding of this study is that VSLA membership has enhanced the agency of female participants as they are more economically and socially active and can act on their own compared to women who did not use the savings group.
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Beyeza-Kashesya, J., A. Mugasa, and F. Kaharuza. "O433 Village savings and loans associations - an innovative community financing approach for safe motherhood." International Journal of Gynecology & Obstetrics 107 (October 2009): S216. http://dx.doi.org/10.1016/s0020-7292(09)60806-7.

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Dissertations / Theses on the topic "Village Savings and Loan Associations"

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Eriksson, Mikaela, and Ellen Kyhle. "Female Empowerment through Village Savings and Loan Associations in Rwanda." Thesis, Uppsala universitet, Företagsekonomiska institutionen, 2021. http://urn.kb.se/resolve?urn=urn:nbn:se:uu:diva-447523.

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The village-based microfinance approach Village Savings and Loan Associations (VSLAs) has been implemented in developing countries for three decades, and is found to be an effective tool in alleviating poverty and facilitating access to financial services in rural areas.  This study, done in collaboration with Vi Agroforestry, aimed to investigate the impact of VSLA activities on female empowerment in Rwanda, and more specifically, how women's access to and control over assets have been affected by VSLA participation. The term 'female empowerment' refers to the process by which women gain control and power over their own life situations and their ability to make strategic choices, that is, the capacity to turn choices into desired actions and outcomes.  A qualitative methodology has been used, where the main data collection consisted of six individual interviews with VSLA staff responsible for implementing, monitoring and evaluating VSLA groups in six different districts, and two focus group interviews with female VSLA participants in two different districts, carried out during April and May 2021.  The findings show that VSLA participation significantly accelerates the process of female empowerment in both household and community domains for women in Rwanda and that VSLA is an efficient first step in moving from a marginalised position in the society. However, women are still in many cases restricted from claiming all potential benefits from VSLA participation by structures that dictate normative gender roles and power structures. The findings highlight the importance of continued gender-related and financial training in order to further increase female access to and control over resources through VSLAs.
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Beyene, Nardos Legesse. "Assessment on the effects of Village Savings and Loan Associations (VSLA) on poverty reduction in Hawassa, Ethiopia." University of the Western Cape, 2018. http://hdl.handle.net/11394/6509.

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Magister Artium (Development Studies) - MA (DVS)
Formal microfinance institutions have been an important tool in the fight against poverty in developing countries, but their reach for rural people and urban slum poor are limited. Following this, Village Savings and Loan Associations (VSLAs) are established as an alternative, informal mechanism for saving and borrowing that do not require external capital or ongoing financial or administrative support from a founding organization or government bodies. Thus, this study aimed to assess the effects of women participation in VSLA on poverty reduction with a case study in Hawassa city, Ethiopia. Using a mixed qualitative and quantitative research methodology, the study tried to focus on examining the effects of VSLAs contribution to economic and social wellbeing of households, and decision makings, and women participation in community activities. The study used 254 samples (127 VSLA participants, and 127 non-participants) and collected data using questionnaire and focus group discussion. The study used propensity score matching (PSM) to estimate the impact of women participation in VSLA on average monthly household income, and the result indicated the average effect of women participation in VSLA on average monthly household income of participant women is positive and significant at 5% significant level, ranging from 169.63 Birr/month (nearest neighbor matching) to 141.55 Birr/month (Kernel matching), on average. Besides, comparison between participants and non-participants using hypothesis testing shows that women participation in VSLA has a significant positive association with improvements in household diet, health, children's education, and women’s involvement in household decisions. However, although hypothesized, no significant association is found in relation to women participation in community activities. Findings from the focus group discussions are also consistent with the results from the PSM and hypothesis testing. Following the findings, the study recommends government and nongovernmental organizations to provide regular, timely and need based capacity building trainings for VSLA participants; Link VSLA participants with formal microfinance institutions; conduct regular monitoring and follow ups by either the city or sub-cities Women Children Affairs Department/offices or concerned government body; different concerned stakeholders in the city including government, nongovernmental organizations, microfinance institutions and others need to work in coordinated manner to solve the recurrent challenges of VSLA participants in Hawassa city; and finally government and/or nongovernmental organizations need to take best practices and lessons from existing VSLAs and expand the VSLA initiative to address more impoverished women in the city.
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Tilly, Karlsson Anna. "Kvinnor och "Village Savings and Loan Associations" i Uganda : En kvalitativ studie om kvinnors upplevelser av VSLA-gruppers inverkan på deras livsomständigheter." Thesis, Uppsala universitet, Teologiska institutionen, 2018. http://urn.kb.se/resolve?urn=urn:nbn:se:uu:diva-363379.

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The purpose of this study is to look in to how microfinance through the VSLAmodel has affected life circumstances of women in rural parts of Uganda. The study also examines whether participation in VSLA-groups leads to empowerment. The results have been derived from qualitative fieldwork, based on semi-structured interviews. Women from the Ugandan districts of Kayunga and Masaka have been interviewed about their experiences of participating in VSLA-groups. The theoretical framework consists of a liberal as well as a postcolonial feminist theorization. The study subject is analyzed by using Martha Nussbaum’s Capabilities Approach and Gayatri Chakravorty Spivak’s thoughts on the subaltern. The Uganda National Farmers Federation (UNFFE) started working with financial inclusion in 2010 and in 2014 they implemented the Human Rights Based Approach (HRBA) in their work. It is found in this study that the VSLA-groups who operates guided by the Human Rights Based Approach, have had a positive effect on the life conditions of the interviewed women. The socioeconomic effects have been positive, the women have greater control over their life circumstances and the VSLA-groups have proved empowering.
I denna studies granskas en typ av mikrofinansmodell, Village Savings and Loan Associations (VSLA) och dess påverkan på kvinnor på Ugandas landsbygds livsomständigheter. Den undersöker också om deltagande i VSLA-verksamhet leder till empowerment. Studiens resultat bygger på fältarbete bestående av kvalitativa undersökningar. Kvinnor från de ugandiska distrikten Kayunga och Masaka har deltagit i semistrukturerade intervjuer där de berättat om sina upplevelser av att vara med i en VSLA-grupp. Det teoretiska ramverket har en liberal såväl som postkolonial feministisk utgångspunkt. Uppsatsens frågeställningar analyseras genom Martha Nussbaums Capabilities Approach och Gayatri Chakravorty Spivaks tankar om den subalterna. Uganda National Farmers Federation (UNFFE) började arbeta med finansiell inkludering 2010 och 2014 implementerade de Human Rights Based Approach (HRBA) i sitt arbete. Denna studie finner att VSLA-grupper, vilka arbetar med hjälp av HRBA har en positiv effekt på de intervjuade kvinnornas livsomständigheter. De socioekonomiska effekterna har varit positiva, kvinnorna har fått större kontroll över sina förhållanden och VSLA-grupperna har haft en empowering effekt.
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Herzog, Georg. "Bausparkassenbedingungen und AGB-Kontrolle /." Frankfurt am Main ; New York : P. Lang, 2006. http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&doc_number=014975929&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA.

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Kenny, Sara York. "Predicting Failure in the Savings and Loan Industry: a Comparison of RAP and GAAP Accounting." Thesis, University of North Texas, 1989. https://digital.library.unt.edu/ark:/67531/metadc330922/.

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The financial crisis facing the United States savings and loan industry has been steadily escalating over the last decade. During this time, accounting treatments concerning various thrift institution transactions have also attracted a great deal of attention. The specialized accounting treatments used in the thrift industry, known as regulatory accounting practices (RAP) have been blamed as one of the culprits hindering the regulators' ability to detect serious financial problems within many institutions. Accordingly, RAP was phased out, and all federally insured savings and loan associations began preparing their financial statements in accordance with generally accepted accounting principles (GAAP) as of January 1, 1989. The purpose of this dissertation is to compare the relative predictive values of the two historical cost based accounting conventions (RAP and GAAP) available to the savings and loar? industry during the 1980's. For purposes of this dissertation, predictive value is defined as the usefulness in assessing future financial health and viability. The sample consisted of all the institutions reporting to the Federal Home Loan Bank of Dallas between 1984 and 1989. Year-end thrift financial report data, obtained from Sheshunoff Information Services, Inc. (Austin, Texas) was used to calculate several financial ratios. The Federal Home Loan Bank of Dallas provided a comprehensive listing of all institutions that failed between January 1, 1985 and March 31, 1989. The null hypothesis tested in this study was: no significant differences existed between the predictive values of RAP and GAAP financial statements. Using a dichotomous dependent variable (failed/not failed) and independent variables from prior research, several multinomial logistic models were developed to test the null hypothesis. All models developed failed to reject the null hypothesis.
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Claude, Djekilamber. "Role of savings and credit cooperative societies in financial services development in Chad : a case of the Union Regionale des Cooperatives d Epargne et de Credit (URCOOPEC)." Thesis, Stellenbosch : Stellenbosch University, 2012. http://hdl.handle.net/10019.1/97164.

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Thesis (MDF)--Stellenbosch University, 2012.
Union Régionale des Coopèratives d’Epargne et de Crédit (URCOOPEC) is a network of 10 savings and credit cooperatives, established in 1990 by UNDP in Chad to support the government’s strategy of strengthening and improving access to financial services to the population. All the cooperatives are located in and around N’djaména the capital city of Chad. URCOOPEC has developed as a microfinance model owned by the community that is able to help the poor population that is excluded from the formal financial services accessing these services. Despite its potential of reaching people even in remote areas, literature about previous studies in other countries has indicated that sustainability of savings and credit cooperatives is hampered by the issues in corporate governance, management, skills, product development amongst others. This study examines the viability of this model in the context of Chad; particularly it examines the conditions for which this model can better contribute to financial sector development in Chad. The findings reveal that the model was helpful and accepted by many users at its earlier stage. However, weaknesses in corporate governance, credit management and shortage of skills have led this URCOOPEC into difficulties. There is a need for training of technical staff and for the board to develop more products, sensitize the members about their rights and duties. URCOOPEC also needs financial support from government and donors as well as linkage with commercial banks to better contribute to the provision of financial services to the population.
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Hudgins, Sylvia Conway. "A theoretical and empirical analysis of the effects of deregulation in the 1980's on S&L asset portfolios." Diss., Virginia Polytechnic Institute and State University, 1987. http://hdl.handle.net/10919/87667.

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This dissertation is a theoretical and empirical investigation of the actual changes in Federal S&L asset portfolios following the deregulation of the 1980's which loosened the restrictions on the amount of non-housing related lending that Federal S&L's could undertake. In particular the study focuses on the effects of deregulation and the forces promoting and constraining the individual S&L's expansion into non-housing related assets. The theoretical model provides a framework for the empirical examination of the deregulation in the DIDMCA of 1980 and Garn-St Germain Act of 1982. The theoretical model is an adaptation of the Mingo and Wolkowitz (1977) banking model. The peculiarities of the S&L industry are embodied through adaptations of the Mingo and Wolkowitz (1977) model which emphasize after-tax profit maximization (tax laws reward specialization in housing related assets), constrain diversification into non-housing related assets, and differentiate between mutual and stock associations. Using the method of Lagrange multipliers, an expression is obtained for the effect of a change in after-tax profits for a relaxation of the constraint on diversification which becomes the focus of the analysis. By integrating the Lagrange multiplier with economic and regulatory controls, systems of regressions are developed which examine the changes in asset portfolio composition for Federal associations using balance sheet and income statement data between 1979 and 1983. The findings and implications of the empirical analysis are summarized as follows: 1. The tax laws do not appear to have constrained the diversification. 2. Specialization effects with respect to housing related assets appear to have constrained the diversification into non-housing related assets. 3. Non-housing related assets and liquid assets appear to be substitutes. 4. Stock associations, on average, have expanded into non-housing related assets to a greater extent than mutual associations. 5. The changes in liability legislation appear to have restrained the diversification into non-housing related assets. 6. Large associations appear more able to acquire the expertise needed to diversify. 7. Profitability appears to be correlated with the expansion into "new products."
Ph. D.
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Bare, Michael Burnett. "Credit union service organization products and services: Implications, decisions, and strategies." CSUSB ScholarWorks, 2005. https://scholarworks.lib.csusb.edu/etd-project/2930.

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Kucharski, Zuzanna. "Pathways of Women’s Empowerment: Global Struggle, Local Experience, A Case Study of CARE-International’s Women’s Empowerment Project in Zanzibar." Thèse, Université d'Ottawa / University of Ottawa, 2014. http://hdl.handle.net/10393/31032.

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In the field of International Development, increased attention has been given to the concept of women’s empowerment as it has been recognized as a potential driver for change. Classified as a global struggle, commitments to this concept have been at the core of many development interventions, whether they be a small NGOs working in a single community or large-scale international aid agencies with presence all around the world. Despite its international recognition, women’s empowerment has been largely left unquestioned within development practices and especially with regards to the impact it may have on local beneficiary communities. This thesis will address how universal ideas such as this one become meaningful in the local setting through a case study of CARE-International’s Women’s Empowerment in Zanzibar project that was implemented from the years 2008-2011. In applying Sally Merry’s (2006) concept of vernacularization, as a theoretical framework, it will be shown that international aid organizations do not simply adapt women’s empowerment to the local arena. Instead, various local actors are involved in a dynamic process of translating, negotiating, and making the concept more meaningful to the beneficiaries and, thus, cause a new hybrid understanding of women’s empowerment to emerge. This new concept draws more extensively on local institutions, knowledge and practices that have been inter-weaved with Islamic practices which play an important role in the lives of Zanzibaris. This thesis will illustrate how NGO culture converges with and diverges from the local communities and expose the realities that exist within the greater development discourse.
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Alés, Hermosa Gabriela. "Recuperación y resolución de entidades de crédito en tiempos de crisis." Doctoral thesis, Universitat de Barcelona, 2018. http://hdl.handle.net/10803/667140.

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La presente tesis doctoral contiene un análisis del régimen jurídico de la reestructuración y resolución de entidades de crédito y los problemas que plantea la intervención por parte de los poderes públicos en relación con una actividad tan central y sensible en para la economía como es la bancaria. Tras la crisis financiera vivida en los últimos años (2008-2017) se han puesto en marcha diferentes mecanismos tanto a nivel europeo como estatal que han configurado un régimen complejo a dos niveles. El principio de precaución, entendido como previsión permanente del riesgo, informa un nuevo régimen de intervención por parte de los poderes públicos en las entidades de crédito que persigue evitar precautoriamente que las situaciones de crisis en estas entidades afecten de manera negativa al conjunto de la economía, dado el carácter global e interconectado de la misma, y a los propios depositantes y clientes. La tesis parte de un estudio de la evolución histórica de la regulación pública en materia de entidades de crédito en nuestro país a fin de comprender las particularidades de la intervención de la Administración pública en esta materia. Tras ello, lleva a cabo un estudio de los presupuestos y los nuevos mecanismos de control e intervención europeos que resultan de la cesión de potestades por parte de organismos públicos estatales a otros supranacionales. El paradigma regulatorio es la administrativización plena de los mecanismos de redireccionamiento y, en su caso, liquidación que en cualquier otro orden económico se resolverían en el contexto de la legislación concursal de carácter mercantil. Bajo este prisma, la tesis analiza el régimen jurídico de las facultades que ostentan los poderes públicos -incluida la potestad sancionadora- que acompaña los supuestos de recuperación, reordenación y resolución de entidades, así como los límites y los mecanismos de control -no siempre satisfactorios- establecidos para atemperar la discrecionalidad administrativa que caracteriza el ejercicio de potestades administrativas en esta materia. A pesar de los grandes avances que el contexto de crisis ha propiciado en materia de supervisión e intervención sobre las entidades de crédito, y del esfuerzo de armonización asumido por las instituciones de la Unión Europea para la homogeneización del régimen de supervisión y resolución, la tesis constata lo mucho que queda por hacer, poniendo de relieve que estamos solo ante el inicio de lo que probablemente será una verdadera Unión Bancaria Europea.
La present tesi doctoral conté una anàlisi del règim jurídic de la reestructuració i resolució d’entitats de crèdit i els problemes que planteja la intervenció per part dels poders públics en relació amb una activitat tan central i sensible per a la economia com és la bancària. Després de la crisi financera viscuda en els darrers anys (2008-2017), s’han posat en marxa diferents mecanismes tant a nivell europeu com estatal que han configurat un règim complex a dos nivells. El principi de precaució, entès com una previsió permanent del risc, informa un nou règim d’intervenció per part dels poders públics sobre les entitats de crèdit que busca evitar amb precaució que les situacions de crisi en aquestes entitats afectin d’una manera negativa al conjunt de la economia, donat el caràcter global i interconnectat de la mateixa, i als propis dipositants i clients. La tesi parteix d’un estudi de l’evolució històrica de la regulació pública en matèria d’entitats de crèdit al nostre país, a la fi de comprendre les particularitats de la intervenció de l’Administració pública en aquesta matèria. Desprès d’això, porta a terme un estudi dels pressuposts i els nous mecanismes de control i intervenció europeus que resulten de la cessió de potestats per part d’organismes públics estatals a d’altres supranacionals. El paradigma regulatori és l’administrativització plena dels mecanismes de redireccionament i, en el seu cas, liquidació que en qualsevol altre ordre econòmic es resoldrien en el context de la legislació concursal de caràcter mercantil. Segons aquest prisma, la tesi analitza el règim jurídic de les facultats que ostenten els poders públics –inclosa la potestat sancionadora– que acompanya els supòsits de recuperació, reordenació i resolució d’entitats, així com els límits i els mecanismes de control –no sempre satisfactoris– establerts per temperar la discrecionalitat administrativa que caracteritza l’exercici de potestats administratives en aquesta matèria. Malgrat els grans avenços que el context de crisi ha propiciat en matèria de supervisió i intervenció sobre les entitats de crèdit, i de l’esforç d’harmonització assolit per les institucions de la Unió Europea per a la homogeneïtzació del règim de supervisió i resolució, la tesi constata que queda molt per fer, posant de relleu que estem només a l’inici del que probablement serà una veritable Unió Bancària Europea.
This dissertation contains an analysis of the legal regime of the restructuring and resolution of credit institutions and the problems posed by the public authorities’ intervention in relation to an activity as central and sensitive activity for the economy as the Banking. After the recent financial crisis (2008-2017) several mechanisms have been launched both at European and national level, a complex system at two levels has been configured. The precautionary principle, understood as the permanent risk forecasting, informs of a new regime of intervention by public authorities in the credit institutions which aims to prevent that crises situation of those entities will affect negatively the overall economy, given its global and interconnected nature, and that of their depositors and customers. The dissertation is based on a historical evolution of public regulation’s study in the field of credit institutions in our country in order to understand the peculiarities of public administration’s intervention in this subject. In addition, it conducts a study of budgets and the new European mechanisms for control and intervention resulting from the power transfer by national public entities to other supranational. The regulatory paradigm is the full administrativization of the redirection mechanisms and, if necessary, liquidation which in any other economic order would be solved in the context of the normal insolvency proceedings. According to this prism, this paper examines the legal regime of the powers that hold the public authorities - including the sanctioning power - accompanying assumptions of recovery, restructuring and resolution of entities, as well as the control mechanisms (not always satisfactory) and limits established to moderate the administrative discretion that characterizes the exercise of administrative powers in this subject. Despite the great progress that the crisis context has lead to the field of monitoring and intervention on the credit institutions, and of the harmonization effort taken by the European Union’s institutions for the homogenization of the regime of monitoring and resolution, this dissertation confirms that there is still much to be done, emphasizing that we are only at the beginning of what probably will be a true European Banking Union.
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Books on the topic "Village Savings and Loan Associations"

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Allen, Hugh. Village savings and loan associations: A practical guide. Rugby: Practical Action, 2007.

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Allen, Hugh. Village savings and loan associations: A practical guide. Rugby: Practical Action, 2007.

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American Institute of Certified Public Accountants. Committee on Savings and Loan Associations. Savings and loan associations. 2nd ed. New York, N.Y: American Institute of Certified Public Accountants, 1985.

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Peace Corps (U.S.). Savings and loan association guide. Washington, D.C.]: Peace Corps, 2012.

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Gierut, Casimir Frank. Savings & loan unethical bailout. Westmont, Ill. (P.O. Box 156, Westmont 60559): Taxpayers Against Bailouts, 1992.

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Peace Corps (U.S.). Savings and loan association simulation. [Washington, D.C.]: Peace Corps, 2012.

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Christopher, Musoke, and Green Colleen, eds. Group savings and loans associations: Impact study. Nairobi: FSD Kenya, 2010.

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Ohio. Ohio savings and loan associations/savings banks: Laws and rules annotated. Cleveland, Ohio: Banks-Baldwin Law Pub. Co., 1992.

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Ohio. Ohio law of savings and loan associations, annotated. Cincinnati: Anderson Pub. Co., 1988.

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Schroeder, Dennis. Savings mobilization. Madison, Wis., U.S.A: World Council of Credit Unions, 1989.

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Book chapters on the topic "Village Savings and Loan Associations"

1

Allen, Hugh, and Mark Staehle. "Village Savings and Loan Associations." In Village Savings and Loan Associations, 1–101. Rugby, Warwickshire, United Kingdom: Practical Action Publishing, 2007. http://dx.doi.org/10.3362/9781780441016.001.

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Allen, Hugh, and Mark Staehle. "Prelims - Village Savings and Loan Associations." In Village Savings and Loan Associations, i—xiv. Rugby, Warwickshire, United Kingdom: Practical Action Publishing, 2007. http://dx.doi.org/10.3362/9781780441016.000.

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Wild, Robert, Moses Egaru, Mark Ellis-Jones, Barbara Nakangu Bugembe, Ahmed Mohamed, Obadiah Ngigi, Gertrude Ogwok, Jules Roberts, and Sophie Kutegeka. "Using Inclusive Finance to Significantly Scale Climate Change Adaptation." In African Handbook of Climate Change Adaptation, 1–26. Cham: Springer International Publishing, 2020. http://dx.doi.org/10.1007/978-3-030-42091-8_127-1.

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AbstractReversing land degradation and achieving ecosystem restoration and management are routes to climate change adaptation and mitigation. The financial resources to achieve this are increasingly available. A major challenge is the absence of scalable mechanisms that can incentivize rapid change for rural communities at the decade-long time scale needed to respond to the climate emergency. Despite moves toward inclusive green finance (IGF), a major structural gap remains between the funding available and the unbankable small-scale producers who are stewards of ecosystems. This paper reports on inclusive finance that can help fill this gap and incentivizes improved ecosystem stewardship, productivity, and wealth creation. A key feature is the concept of eco-credit to build ecosystem management and restorative behaviors into loan terms. Eco-credit provides an approach for overcoming income inequality within communities to enhance the community-level ecosystem governance and stewardship. The paper discusses the experience of implementing the Community Environment Conservation Fund (CECF) over a 8-year-period from 2012. The CECF addresses the unbankable 80% of community members who cannot access commercial loans, has c. 20,000 users in Uganda and pilots in Malawi, Kenya, and Tanzania. The model is contextualized alongside complementary mechanisms that can also incentivize improved ecosystem governance as well as engage and align communities, government, development partners, and the private sector. This complementary infrastructure includes commercial eco-credit as exemplified by the Climate Smart Lending Platform, and the community finance of the Village Savings and Loans Associations (VSLA) model upon which CECF builds. The paper describes the technologies and climate finance necessary for significant scale-up.
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Wild, Robert, Moses Egaru, Mark Ellis-Jones, Barbara Nakangu Bugembe, Ahmed Mohamed, Obadiah Ngigi, Gertrude Ogwok, Jules Roberts, and Sophie Kutegeka. "Using Inclusive Finance to Significantly Scale Climate Change Adaptation." In African Handbook of Climate Change Adaptation, 2565–90. Cham: Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-45106-6_127.

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AbstractReversing land degradation and achieving ecosystem restoration and management are routes to climate change adaptation and mitigation. The financial resources to achieve this are increasingly available. A major challenge is the absence of scalable mechanisms that can incentivize rapid change for rural communities at the decade-long time scale needed to respond to the climate emergency. Despite moves toward inclusive green finance (IGF), a major structural gap remains between the funding available and the unbankable small-scale producers who are stewards of ecosystems. This chapter reports on inclusive finance that can help fill this gap and incentivizes improved ecosystem stewardship, productivity, and wealth creation. A key feature is the concept of eco-credit to build ecosystem management and restorative behaviors into loan terms. Eco-credit provides an approach for overcoming income inequality within communities to enhance the community-level ecosystem governance and stewardship. The paper discusses the experience of implementing the Community Environment Conservation Fund (CECF) over a 8-year-period from 2012. The CECF addresses the unbankable 80% of community members who cannot access commercial loans, has c. 20,000 users in Uganda and pilots in Malawi, Kenya, and Tanzania. The model is contextualized alongside complementary mechanisms that can also incentivize improved ecosystem governance as well as engage and align communities, government, development partners, and the private sector. This complementary infrastructure includes commercial eco-credit as exemplified by the Climate Smart Lending Platform, and the community finance of the Village Savings and Loans Associations (VSLA) model upon which CECF builds. The paper describes the technologies and climate finance necessary for significant scale-up.
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Hasan, Samiul, Ruth Crocker, Damien Rousseliere, Georgette Dumont, Sharilyn Hale, Hari Srinivas, Mark Hamilton, et al. "Savings and Loan Associations." In International Encyclopedia of Civil Society, 1346–49. New York, NY: Springer US, 2010. http://dx.doi.org/10.1007/978-0-387-93996-4_148.

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Chaudhuri, Ranajoy Ray. "The Housing Market and the Savings and Loan Associations Crisis: The 1980s." In The Changing Face of American Banking, 95–110. New York: Palgrave Macmillan US, 2014. http://dx.doi.org/10.1057/9781137361219_8.

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Aeschliman, Chet, Fiacre Murekezi, and Jean-Paul Ndoshoboye. "12. Extending the outreach of Rwandan People’s Banks to the rural poor through village savings and credit associations." In Expanding the Frontier in Rural Finance, 201–16. Rugby, Warwickshire, United Kingdom: Practical Action Publishing, 2008. http://dx.doi.org/10.3362/9781780440798.012.

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"Deregulation of Financial Institutions: Lessons from the North American Experience with Savings and Loan Associations." In Foreign Exchange Issues, Capital Markets and International Banking in the 1990s (RLE Banking & Finance), 157–70. Routledge, 2012. http://dx.doi.org/10.4324/9780203108819-19.

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Reports on the topic "Village Savings and Loan Associations"

1

Oyerinde, Funmi, and Naphtali Bwalami. The Impact of Village Savings and Loan Associations on the Lives of Rural Women: Pro Resilience Action (PROACT) project, Nigeria. Oxfam, February 2021. http://dx.doi.org/10.21201/2021.7277.

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The PROACT project uses Village Savings and Loan Associations (VSLAs) to enable rural financial inclusion. The VSLA approach is targeted at combating increased poverty and improving the resilience of poor rural farming households in Kebbi and Adamawa States, Nigeria. The three case studies presented here reflect the new, transformative realities of increased income, access to loans, safe spaces for women, improved rural enterprise and the empowerment of women engaged in the VSLAs.
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