Detail Margin Calls; Finance and the American Poor   Oleh:  [s.n] Jenis: Article from Bulletin/Magazine Dalam koleksi: The Economist (http://search.proquest.com/) vol. 406 no. 8823 (Feb. 2013), page 64-65. Topik: Financial Services; Low Income Groups; Marketing; Bank Accounts Ketersediaan Perpustakaan Pusat (Semanggi) Nomor Panggil: EE29.75 Non-tandon: 1 (dapat dipinjam: 0) Tandon: tidak ada     Lihat Detail Induk Isi artikel Only one thing is worse than the financial industry dangling inappropriate products in front of poor customers, and that is not providing them with financial services at all. In December the Federal Deposit Insurance Corporation (FDIC) released a survey that found roughly one in 12 American households, or some 17m adults, are "unbanked", meaning they lack a current or savings account. The survey also found that one in every five American households is "underbanked", meaning that they have a bank account but also rely on alternative services--typically, high-cost products such as payday loans, cheque-cashing services, non-bank money orders or pawn shops. Not all the unbanked are poor, nor do all poor people lack bank accounts. But the rate of the unbanked among low-income households (defined in the FDIC survey as those with an annual income below $15,000) is more than three times the overall rate. The proportion of poor Americans without an account compares particularly badly with other rich places. Opini Anda Klik untuk menuliskan opini Anda tentang koleksi ini! Kembali

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