Browsing by Subject "finance"

Now showing 1 - 20 of 292

Accelerating Technology-based Economic Development in the Canary Islands
(IC² Institute, The University of Texas at Austin, 2000-02-28) Jarrett, James E.; Aguirre, José Manuel; Kaehler, Richard; Durden, Elizabeth
This report provides an analysis of technology-based entrepreneurship, R&D and university technology transfer, workforce training, financing, and industry clusters, and benchmarks the Canary Islands with other regions and small nations.
An Ethical Evaluation of Offshore Finance in the Cayman Islands
(2021-05) Green, James A.
The conception of the Cayman Islands as a tax-haven and safe space for unethical money launderers and tax evaders from around the world has achieved mythic status in the media of developed nations such as the United States of America, the United Kingdom, and the member states of the European Union. Meanwhile, the government and financial firms of the Cayman Islands have stressed that the jurisdiction is in compliance with, or at the forefront of, every international tax code and regulatory standard. Born of this juxtaposition is my thesis question: is offshore finance in the Cayman Islands unethical? Politicians, regulators, academics, and the public have all contributed in some way or another to the discourse surrounding this question; yet, these commenters rarely display even a rudimentary understanding of how financial services function in Cayman and of Cayman as a whole. I hope this thesis draws attention to the dearth of informed discussion regarding Cayman, injects the discussion with critical cultural, historical, and economic information about Cayman, and provides useful critiques of the ethical arguments for and against the jurisdiction. This thesis also shines a light on the bigoted, neocolonial, and prejudiced language which pollutes many discussions regarding the ethics of Cayman. This language may be partially responsible for the uninformed academic, and public discussions about Cayman and the regulation efforts to restrain the jurisdiction.
Bank Financial Intermediation
(sa, 2021-08-17) Berger, Allen; Cetorelli, Nicola; Hancock, Diana; Santos, Joao
Banking Across Borders: The Future of the U.S.-Mexico Remittance Corridor
(Bureau of Business Research, The University of Texas at Austin, 2005-02) Taparia, Vivek
In 2004, Mexican immigrants in the United States sent a record of $16.6 billion dollars to their relatives in Mexico. Cross-border consolidation of banks has created the opportunity for migrants to send money home at no cost. However, most migrants do not choose this cost-free option of sending money home. This is due to the various barriers deterring migrants from using banks. But this is changing. Political-economic developments are leveling these barriers, clearing the way for increasing numbers of migrants to use financial institutions for remitting money to Mexico.
Building the Venture Capital Industry in Mexico
(Bureau of Business Research, The University of Texas at Austin, 2004-02) Kappaz, Christina; McNeece, John B.
In many developing countries, venture capital investing remains a nascent industry. However, investment in private equity has been picking up in Mexico and throughout Latin America over the past year as investors regain confidence in the region and learn to select deals more wisely. Mexican authorities want to keep investors coming back and to increase investments in smaller riskier ventures that would support the sizeable small and medium enterprise segment of the Mexican economy. A study commissioned by the Mexican development bank, Nacional Financiera, SNC (NAFIN), pinpointed key issues affecting the growth of venture capital investment in Mexico and recommended an action plan for reform.
"The Business of the Future": Banks, Latinos, and the Changing Financial Borders
(Bureau of Business Research, The University of Texas at Austin, 2003-04) Freeman, Gary P.; Leal, David L.; Plascencia, Luis F. B.
A major change is underway in the relationship between mainstream financial institutions and the U.S. Latino population. From small independents like Second Federal Savings in Chicago to the nation's largest retail bank, Bank of America, these institutions display an intense and fundamentally new interest in the banking potential of this group. Also governmental and international lending entities such as the Federal Deposit Insurance Corporation (FDIC), the Federal Reserve Banks, and the Multilateral Investment Fund (MIF) are turning their attention to integrating the underserved Latino consumer base into the banking sector.
The Cause of The Crisis
(2019) Ladden, Jared M.; Roberts, Brian; Prentice, Robert
Unearthing the True Cause of the 2008 Subprime Mortgage Crisis
Connecting the Dots: Expanding Economic Opportunity in Texas Through Public-Private Partnerships
(Bureau of Business Research, The University of Texas at Austin, 2010-12) Baylor, Don; Rosen, Laura; Helmcamp, Leslie
More than ever, innovative and hard-working Texans need efficient and effective systems that promote economic mobility and opportunity. Currently, Texas faces two major public policy challenges. The first is that many Texans are outside the financial mainstream with subpar credit scores, low-wage income, and limited avenues for economic mobility. The second challenge is that many Texas students are academically prepared, yet lack financial preparation for college. In order to address these two issues, Texas needs a statewide collaborative platform to increase financial stability.
The Developing Economist, Volume 1
(The University of Texas at Austin, 2014) The University of Texas at Austin; Lee, Michael; Baker, R.D.; Ubl, Brett R.; Rohm, Colin; Mok, Alex; Thompson, Sam; Gustafson, Carl Marvin; Kent, Christina; Chapman, Daniel; Joshi, Sarang; Shrikanth, Shreyas Krishnan; Patel, Malay
The Developing Economist, Volume 2
(2015) The University of Texas at Austin; Kallis, Peter A.; Gowda, Sankalp; Roeder, Daniel; Zupanc, Frederick B.; Chapman, Daniel; Kent, Christina; Sand, Hayden; Flores, Javier; Gonzalez, Leonardo; Patel, Malay; Schyga, Nikolai
The Developing Economist, Volume 3
(2016) Koslovsky, Daniel; Trejo, Sam; Duong, Anthony; Chandar, Bharat; Glenn, Erik K.; The University of Texas at Austin
Digital Credit: Closing the Water Financing Gap in Rural Tanzania
(2020-05) Patel, Neil
The United Republic of Tanzania explicitly recognizes the human right to water and sanitation in its constitution. However, full implementation of this right has been complicated by Tanzania’s ongoing decentralization process for water governance, which has created a significant public financing gap for cash-strapped rural water schemes. Under the framework of the progressive realization of the human right to water, this thesis examines the potential for digital credit financing to bridge the public financing gap for rural water schemes in Tanzania. The thesis utilizes (1) country-wide data on digital financial inclusion and rural water access and (2) two case studies of digital credit financing in the rural water sector to explore the viability of a digital credit financing model. This thesis challenges sector-wide intuition on a “cost-recovery” model for rural water financing, instead arguing in favor of a “cost-reduction” model that prioritizes the use of debt financing for cost-reducing asset improvements, such as low-maintenance solar pump technology. It further finds that the weak regulation of the digital credit industry creates a major risk of predatory lending toward financially-illiterate consumers and outlines clear delineations of responsibility for various government agencies in regulating lending terms and providing technical assistance for rural water schemes. Finally, the thesis explores opportunities for cross-subsidization to ensure that the improved financial sustainability of water schemes does not come at the cost of equitable access to water for the rural poor.
A Financial History of Texas
(University of Texas at Austin, 1916-07-01) Miller, Edmund Thornton
Financial Innovation from Fintech
(Salem Center, 2020-09-22) Schindler, John; Jagtiani, Julapa; Koide, Melissa; Fracassi, Cesare
Gender Bias in Promotions: Evidence from Financial Institutions
(Salem Center, 2022-01-04) Huang, Ruidi
Government Transparency: Trends in Texas
(Bureau of Business Research, The University of Texas at Austin, 2010-04) Kirkham, Lara; Chapman, Gary
In 2006, Texas initiated what would become a nationwide movement toward increased state government financial transparency by posting detailed records of the Governor's office expenses online. Since then, Texas has remained a leader in the development of web-based tools for information exchange between government and citizens. The challenge for Texas lies in remaining at the forefront of this transparency movement. To stay relevant, Texas must continue to pursue strategies that promote innovation and information accessibility, recognizing that government financial data is fundamentally a public resource
The Hidden Costs of Payday Lending
(Bureau of Business Research, The University of Texas at Austin, 2008-04) Baylor, Don
Payday lending, sometimes known as a cash advance, is a small, short-term, high interest loan that is intended to bridge the borrower's cash flow gap between pay periods. Payday loans are secured by access to the individual's checking account, typically through a postdated check or an automated clearinghouse (ACH) authorization. Available at storefronts and via the Internet, these loans are generally due in about two weeks or on the borrower's next payday. This article examines the nearly $3 billion payday industry in Texas and offers an overview of its practices and impact on Texas communities while raising questions about the need for more state oversight and safeguards.
Japanese Banking Reform: Will It Be In Time?
(IC² Institute, 1998-11-05) Sazanami, Yoko
Discusses, as an interim report by an academic involved in the emergency policy package to stabilize the Japanese financial system, the objective of the capital injection to 21 banks in March 1998, the merger package and ultimate failure of the Long-term Credit Bank in September 1998 and current policy efforts to reform banks to meet the so-called “Big Bang” challenge.
Lessons from Mexico: The Role of Financial Institutions in Market Crises
(Bureau of Business Research, The University of Texas at Austin, 1998-10) James, Dilmus D.; Schauer, David A.
The financial sector promotes a nation’s economic growth and performance. By facilitating the transfer of funds from surplus income units to deficit spending units, financial intermediaries foster expansion of the economic system. But do financial markets and institutions merely facilitate the real forces driving development or do they play a more prominent, causative role in the growth process? A review of Mexico’s debt crisis in 1982 and the financial crisis of 1994/1995 offers valuable insights into how financial sector conditions, especially in the banking industry, can influence economic performance.
Microcredit in Latin America and the World: Are We Better Off?
(LLILAS Benson Latin American Studies and Collections, 2013) Drexler, Alejandro; Janus, Marc