Alternative financial service providers and the spatial void hypothesis: the case of New Jersey and Delaware

This paper continues the use of the spatial void hypothesis methodology to analyze the location of alternative financial service providers, such as check cashing outlets and pawn shops, in New Castle County, Delaware, and Atlantic, Mercer, Monmouth, and Passaic counties in New Jersey. Also explores whether these providers are disproportionately serving minority and low-income areas.

Modern Concepts of Financial and Non-Financial Motivation of Service Industries Staff

In modern conditions the questions of personnel management, including motivation, acquire new meaning. Particularly given the problems relevant to the service sector, where at the beginning of the XXI century employing more than 60% of the workforce in developed countries. These circumstances determine the need for a modern concept of material and immaterial motivation of service industries. Such factors determine the need for the development modern concept of material and immaterial motivation of service industries staff. To obtain indicated objective during research analyzed the existing concepts and paradigm of staff motivation with highlighting their advantages and disadvantages. The results obtained allowed to establish that scientific and expert community does not have the unified approach to the classification and identification of the most effective ones. Special attention is given to modern developments and approaches to the motivation problem. This fact caused the structure of follow studies, including three interlinked vectors: analysis of the essential content of the fundamental concepts in the field of staff motivation; defining features of employee motivation at the enterprises sphere of services; introduction to the key successful international practices which apply by service companies. In general, the results obtained enabled the author’s model of the modern concept of material and non-material motivation at the enterprises the service sector and the corresponding mechanism for the implementation

Information systems for adaptive shariah compliant financial services: defining adaptation constructs

Asymmetry of information in financial service creates excessive uncertainty termed gharar, which makes a financial transaction invalid (haram) in Islamic Law (Shariah). Information systems customised to shariah compliant financial service (SCFS) can make information flow more symmetric and can in turn reduce gharar. Based on information related to emergent SCFS design stakeholders i.e. financial regulators, bankers and customers make adaptation and migration decisions. However, unique nature of SCFS design requires adaptation (migration) of emergent SCFS in compliance to shariah. We discuss general service and SCFS literatures to define structural constructs of SCFS. We then discuss qiyas, which is the juridical principle of defining emergence for expansion in shariah rulings, and theory of deferred action, which is a design adaptability theory drawing in complexity. The adaptation construct for SCFS designs is defined and discussed in the joint framework of qiyas and theory of deferred action

The Financial Conditions of Illinois Human Service Nonprofits

This document examines the financial conditions of Illinois human service nonprofit organizations. The first section examines median and aggregate data of all nonprofits and the second section examines the financial conditions of the various nonprofit sectors, including Mental Health and Crisis Intervention; Crime and Legal-Related; Employment; Food, Agriculture, and Nutrition; Housing and Shelter; Youth Development; and Other Human Services

Balancing Financial Viability and User Affordability: An Assessment of Six WASH Service Delivery Models

This Topic Brief presents assessments of the financial performance of six WSUP-supported WASH service delivery models in Bangladesh, Madagascar, Mozambique and Zambia. Each model has been developed in partnership with locally mandated service providers to facilitate sustainable, at-scale improvements to low-income urban populations

Financial Stability is a Volume Business: A Comment on the Legal Infrastructure of Ex Post Consumer Debtor Protections

Professor Melissa B. Jacoby\u27s essay pays homage to Stewart Macaulay\u27s classic study of the Magnuson-Moss Warranty Act, a U.S. federal consumer protection law that, according to Macaulay, was virtually unknown to the lawyers whose clients needed it the most. The moral of Macaulay\u27s study is that even good consumer protection laws on the books often fail to deliver in action for complex cultural, institutional, and economic reasons. Yet reducing Professor Jacoby\u27s essay to this very important moral undersells its contribution. A fragmented infrastructure for legal service delivery of the sort she describes does not merely fail consumers more often than it should, but can frustrate economic policy, delay crisis response, and undermine financial stability. By implication, rationalizing legal service provision is key to the success of both crisis management and financial reform. In this Comment, I first situate household debt in the context of financial stability. Second, I highlight elements of Professor Jacoby\u27s argument most relevant to financial stability concerns. Third, I sketch out several potential implications of her contribution for crisis response and financial regulation

Shopping pays

Financial services industry ; Banks and banking - Service charges

Expected and unexpected products of reactions of 2-hydrazinylbenzothiazole with 3-nitrobenzenesulfonyl chloride in different solvents

Acknowledgements We thank the EPSRC National Crystallography Service (University of Southampton) for the X-ray data collections. Funding information MVNdS and JLW thank CNPq (Brazil) for financial support.Peer reviewedPublisher PD

Banking unbanked immigrants through remittances

High service fees for sending money abroad can be a financial strain for low and moderate-income immigrants. George Samuels explores how some mainstream financial institutions are offering competitive pricing for the service and, as a result, are banking a new set of customers.Emigrant remittances ; Banks and banking - Customer services ; Banks and banking - Massachusetts ; Community development - Massachusetts