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Full-Text Articles in Income Distribution
Financial Literacy For Latino Immigrants: A Guidebook For Esl Teachers, Anna Braden
Financial Literacy For Latino Immigrants: A Guidebook For Esl Teachers, Anna Braden
Master's Projects and Capstones
Latino immigrants face many financial challenges in the United States. Language barriers exclude them from jobs as well as financial and consumer markets. Lack of familiarity with the U.S. financial system or bad experiences with financial systems in their home countries can create mistrust and lead to Latino immigrants being unbanked or underbanked. Consumer vulnerabilities may also be exploited as immigrants turn to nonbank financial services such as predatory lenders (check cashers, payday lenders, etc.). Lack of access to jobs and marketplaces results in lower income and less wealth accumulation. Over time this results in wealth inequality between Latino immigrants …
Community Development Financial Institutions (Cdfis): An Analysis Within The Political And Economic Context Of Neoliberalism, Tracie Victoria Wynand
Community Development Financial Institutions (Cdfis): An Analysis Within The Political And Economic Context Of Neoliberalism, Tracie Victoria Wynand
Cal Poly Humboldt theses and projects
This thesis explores Community Development Financial Institutions (CDFIs) business models by examining the organizational structures, procedural operations, services, and geography. It aims to understand its overall behavior as a financial institution providing low-income communities financial services and ultimately the role it plays within the neoliberal context. The research identifies that CDFIs ultimately hold a mission that promotes economic prosperity from within the neoliberal project by expanding free-market capitalist beliefs and practices when servicing low-income communities. Additionally, the findings suggest that CDFIs take on the role of the neoliberal state by operating in tandem with the Nonprofit Industrial Complex (NPIC), which …