000			02857nam a2200421Ki 4500
001			ocn868069128
003			OCoLC
005			20240726105456.0
008			140114s2012 onc ob 001 0 eng d
040			_aNT _beng _erda _epn _cNT
020			_a9781442662612 _q((electronic)l(electronic)ctronic)l((electronic)l(electronic)ctronic)ctronic bk.
043			_an-cn---
050	0	4	_aHG2704 _b.H373 2012
049			_aNTA
100	1		_aBuckland, Jerry, _d1961- _e1
245	1	0	_aHard choices : _bfinancial exclusion, fringe banks, and poverty in urban Canada / _cJerry Buckland.
260			_aToronto ; _aBuffalo : _bUniversity of Toronto Press, _c(c)2012.
300			_a1 online resource (xviii, 270 pages)
336			_atext _btxt _2rdacontent
337			_acomputer _bc _2rdamedia
338			_aonline resource _bcr _2rdacarrier
347			_adata file _2rda
504			_a2
505	0	0	_aChapter 1. The Context of Financial Exclusion in Canada -- _tChapter 2. Theories about Financial Exclusion -- _tChapter 3. Choosing Banking Services When the Options Are Limited -- _tChapter 4. The Business of Inner-City Banking -- _tChapter 5. Working for Financial Inclusion.
520	0		_a"When low-income city dwellers lack access to mainstream banking services, many end up turning to 'fringe banks,' such as cheque-cashers and pawnshops, for some or all of their financial transactions. This predicament of 'financial exclusion' - faced by those underserved by conventional financial institutions - is comprehensively examined in Jerry Buckland's powerful study, Hard Choices.
520	0		_aThe first account of the nature and causes of financial exclusion in Canada, Hard Choices thoroughly integrates economic and social data on consumer choice, bank behaviour, and government policy. Buckland demonstrates why the current two-tier system of banking is becoming increasingly dysfunctional, especially in the context of new credit products that aggravate income inequality and stifle local economic growth. Featuring a foreword by esteemed economics scholar John P. Caskey, Hard Choices presents pragmatic policy improvements on both the public and private levels that can promote and build financial inclusion for all."--pub. desc.
530			_a2 _ub
650		0	_aDiscrimination in banking _zCanada.
650		0	_aUrban poor _zCanada.
650		0	_aUrban poor _zCanada _xFinance, Personal.
650		0	_aBanks and banking _zCanada.
650		0	_aPoverty _zCanada.
655		1	_aElectronic Books.
856	4	0	_uhttps://search.ebscohost.com/login.aspx?direct=true&scope=site&db=nlebk&db=nlabk&AN=682648&site=eds-live&custid=s3260518 _zClick to access digital title | log in using your CIU ID number and my.ciu.edu password
942			_cOB _D _eEB _hHG _m2012 _QOL _R _x _8NFIC _2LOC
994			_a02 _bNT
999			_c101496 _d101496
902			_a1 _bCynthia Snell _c1 _dCynthia Snell