Towards an Ecology of Retail Financial Services: Understanding the Persistence of Door-to-Door Credit and Insurance Providers

Leyshon, Andrew; Burton, Dawn; Knights, David; Alferoff, Catrina; Signoretta, Paola

doi:10.1068/a3677

Cited by 146 publications

(181 citation statements)

References 29 publications

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“…These topologies of debt are always entangled with topographic spaces. Therefore any geography of debt must necessarily engage entanglements of topological and topographic space, or what I term in conversation with Leyshon et al (2004) debt ecologies. This argument is developed by tracing the creation, maintenance and/or destruction of spatial connections between different people, communities, institutions and sites in the Palestinian conurbation of Ramallah -Al Bireh (hereafter Ramallah).…”

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confidence: 99%

Debt space: Topologies, ecologies and Ramallah, Palestine

Harker

2017

Environ Plan D

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When theorised, dDebt is widely conceived as inherently temporal -present consumption bought with future labour. This paper advances conceptualisations of debt by incorporating the active role space plays in creating, maintaining, and undermining debt relations. Debts are topological binds -a particular kind of spatial and temporal connection, which are entangled with topographic spaces, to produce debt ecologies. This argument is developed by tracing the creation, maintenance and/or destruction of spatial connections between different people, communities, institutions and sites in the Palestinian conurbation of RamallahAl Bireh. Attending to the spatiality of debt offers not simply a better understanding of debt itself, but also directs our attention to a more extensive range of time-spaces that co-constitute specific debt ecologies. These entanglements of power require a methodological approach that moves beyond statistical representations of debt. Thinking debt topologically also responds to postcolonial concerns about the locatedness of theory, while envisioning an extensive geography that is more than a mosaic of contexts or variegated capitalism.[Situate argument within literatures].

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confidence: 99%

Debt space: Topologies, ecologies and Ramallah, Palestine

Harker

2017

Environ Plan D

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“…Financial exclusion hinders social development (Amaeshi, Ezeoha, Adi & Nwafor, 2007;Buckland & Dong, 2008;Fuller & Mellor, 2008;Gómez-Barroso & Marban-Flores, 2013;Horska et al, 2013;Hudon, 2008;Leyshon et al, 2004;Myers et al, 2012;Solo, 2008).…”

Section: Resultsmentioning

confidence: 99%

“…Additionally, financial education is closely related to financial exclusion. Hence the efforts at education put in place by financial institutions fall short in promoting and teaching their clients to use their portfolios (Datta, 2009;Devlin, 2009;Byrne et al, 2007;Joassart-Marcelli & Stephens, 2010;Leyshon et al, 2004).…”

Section: Resultsmentioning

confidence: 99%

Financial inclusion in Colombia: A scoping literature review

Thoene

Hoyos

2017

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Purpose: The paper provides an extensive, comprehensive and up-to-date qualitative scoping literature review of financial inclusion and other related concepts, and focuses in particular on the Colombian context, and the accessibility as well as barriers to banking services. It structures the themes and dimensions of scholarly debates on financial inclusion in the literature highlighting avenues for future research to fill various gaps. Design/methodology:This scoping literature review rigorously identifies the most relevant research and variables pertaining to financial inclusion and social innovation.Findings: Based on a scoping literature review, a comprehensive framework of key concepts of financial inclusion, scholarly contributions, countries and variables is presented. Research limitations/implications:Owing to the methodological approach of this paper and its rather theoretical nature, this research seeks to enrich scientific debates pertaining to the empirical data displayed, especially on the case of Colombia. Practical implications:The most central variables that are linked to the theme of financial inclusion are explored, and hence this paper forms a basis for future qualitative and quantitative studies. Social implications:This research article contributes to public policy making on financial inclusion aimed at reducing levels of socio-economic inequality.-582-Intangible Capital -https://doi.org/10.3926/ic.946 Originality/value: In business and management research a degree of conceptual confusion prevails on the theme of financial inclusion. This paper attempts to clarify different types of variables and one country specific case to provide more solid analytical tools for scholars and analysts.

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“…Financial exclusion has (until the recent credit crunch) been particularly prevalent in disadvantaged areas (MAYO et al, 1998), to the extent that there was 'a systemic development of the geography of financial exclusion in the UK' (BRYSON and BUTTLE, 2005, p. 286). LEYSHON (2009, p. 155) has more recently considered the multidimensional nature of financial exclusion in the following five ways: 'access exclusion', for example, branch closure in moderate and lowincome areas; 'condition exclusion', for example, whereby customers are rejected by credit scoring systems; 'price exclusion', for example, affordable finance; 'marketing exclusion', for example, targeting 'potentially profitable socio-demographic groups'; and 'self-exclusion', for example, where customers do not apply for finance as they: presume they will be denied, lack product awareness or due to cultural norms such as those who follow Sharia law (LEYSHON et al, 2004;POLLARD and SAMERS, 2007). In the current financial crisis mainstream financial institutions may be exacerbating access and price exclusion through the use of condition tightening and credit scoring (BOE, 2010) creating a more widespread geography of financial exclusion across the UK.…”

Section: The Mainstream Finance Gap and The Financial Exclusion Of Enmentioning

confidence: 99%

The Geographies of Access to Enterprise Finance: The Case of the West Midlands, UK

Appleyard

2013

Regional Studies

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APPLEYARD L. The geographies of access to enterprise finance: the case of the West Midlands, UK, Regional Studies. Whilst there is a long history of credit rationing to small and medium-sized enterprises (SMEs) in the UK, the financial crisis has seen banks retreat further from lending to viable SMEs due to a reassessment of risk and lack of available capital. In so doing, the credit crunch is thought to be creating new geographies of financial exclusion. This paper explores the financial inclusion of enterprise through community development finance institutions (CDFIs) which provide loan finance to firms at the commercial margins in the West Midlands, UK. The paper concludes that CDFIs could partially address the financial exclusion of enterprise as an additional, alternative source of finance to that of mainstream banks. APPLEYARD L. Las geografías del acceso a la financiación de empresas: el caso de West Midlands, RU, Regional Studies. Aunque el racionamiento del crédito para pequeñas y medianas empresas (pymes) en el Reino Unido tiene una larga tradición, la crisis financiera ha llevado a los bancos a reducir los préstamos a las pymes sólidas debido a una revaloración de los riesgos y falta de capital disponible. Por este motivo, parece ser que la crisis del crédito está creando nuevas geografías de exclusión económica. En este artículo analizo la inclusión financiera de empresas a través de las instituciones financieras para el desarrollo de los municipios Regional Studies, 2013 Vol. 47, No. 6, 868-879, http://dx

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Towards an Ecology of Retail Financial Services: Understanding the Persistence of Door-to-Door Credit and Insurance Providers

Cited by 146 publications

References 29 publications

Debt space: Topologies, ecologies and Ramallah, Palestine

Debt space: Topologies, ecologies and Ramallah, Palestine

Financial inclusion in Colombia: A scoping literature review

The Geographies of Access to Enterprise Finance: The Case of the West Midlands, UK

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