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Land Titling: A Mode Of Privatization With The Potential To Deepen Democracy, Bernadette Atuahene Feb 2006

Land Titling: A Mode Of Privatization With The Potential To Deepen Democracy, Bernadette Atuahene

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Land titling is a form of privatization in that public assets are transferred to private families and individuals. This is unlike other forms of privatization, however, because there is a systematic diffusion of economic and decision making power down to indigent populations rather than out of the country or up to its local elites. In light of this uniqueness, the question I will grapple with in this Article is, can property ownership, achieved through land titling programs, bolster democracy? First, using Peru as an example, I explain the context that necessitated the creation of land titling and the process by ...


Democratizing Credit: Examining The Structural Inequities Of Subprime Lending, Cassandra Jones Havard Jan 2006

Democratizing Credit: Examining The Structural Inequities Of Subprime Lending, Cassandra Jones Havard

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This Article critiques the current regime of mortgage lending, which favors economic subordination. Minorities and low-and moderate income persons, regardless of their creditworthiness, are receiving higher loan rates. This is due to three market phenomena- the dominance of sub-prime lenders in the market in which prime lenders are more restricted to lend, the segmentation of the market so that certain products are offered to certain consumers, and the liquidity of the secondary market, which encourages lenders to make loans that are easily sold, but which may be inappropriately and impermissibly priced. Only by incorporating some transparency into the process will ...