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Subject = financial exclusion;
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Displaying Results 1 - 3 of 3 on page 1 of 1
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Conflicting expectations in transforming government service processes: the story of e-payment for social welfare in Ireland
(2011)
O'Brien, Leona; Giller, Kieran; Tan, Kay-Ti; McCarthy, James B.; Csáki, Csaba; Ada...
Conflicting expectations in transforming government service processes: the story of e-payment for social welfare in Ireland
(2011)
O'Brien, Leona; Giller, Kieran; Tan, Kay-Ti; McCarthy, James B.; Csáki, Csaba; Adam, Frédéric
Abstract:
Despite its clear potential and attractiveness as a solution to a broad range of societal problems, E-Government has not been adopted to levels predicted in early 2000 literature. Whilst case studies of punctual development of E-Government initiatives abound, few countries have progressed to high levels of maturity in the systematic use of ICT in the relationship between government and citizens. At the same time, the current period brings challenges in terms of access to public services and costs of delivering these services which make the large scale use of ICT by governments more attractive than ever, if not even a necessity. This paper presents a detailed case study of a specific E-Government initiative in Ireland in the area of E-payments for G2C, in the social welfare area. Locating the current initiative in its historical context, it analyses the varied motivations and conflicting requirements of the numerous stakeholders and discusses the constraints that bear on the potentia...
http://hdl.handle.net/10468/2911
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Economic Vulnerability and Severity of Debt Problems: An Analysis of the Irish EU-SILC 2008
(2011)
MAITRE, BERTRAND; RUSSELL, HELEN
Economic Vulnerability and Severity of Debt Problems: An Analysis of the Irish EU-SILC 2008
(2011)
MAITRE, BERTRAND; RUSSELL, HELEN
Abstract:
In this paper, using Ireland, where debt issues are of particular salience as a test case, we seek to understand the extent to which the measures currently employed as national indicators of poverty and social exclusion succeed in capturing over-indebtedness and, more broadly, severity of debt problems. Our analysis reveals a clear gradient with predictive ability increasing sharply as one moves from `at risk of poverty? to consistent poverty and finally economic vulnerability indicators. In relation to debt problems, the key distinction is between the just under one in five households defined as economically vulnerable and all others. Financial exclusion, relating to access to a bank account and a credit card, was found to increase debt levels. However, such effects were modest. The impact of economic vulnerability seems to be largely a consequence of its relationship to a wide range of socio-economic attributes and circumstances. The manner in which a potential debt crisis unfolds...
http://hdl.handle.net/2262/64058
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The potential impact of credit unions on members' financial capability: An exploratory study
(2010)
Byrne, Noreen; Power, Carol; McCarthy, Olive; Ward, Michael
The potential impact of credit unions on members' financial capability: An exploratory study
(2010)
Byrne, Noreen; Power, Carol; McCarthy, Olive; Ward, Michael
Abstract:
This study evaluates the role of credit unions in building financial capability among members. The research found that most credit unions are engaged in some form of financial education in the community, although some are restricted to what could be described as low-commitment activities. A few individual credit unions and, to a lesser extent, networks of credit unions, have pioneered innovative schemes targeted at members of the community who are financially vulnerable due to low levels of financial capability. In a two-phase survey of new members, most individuals did not report that the credit union had a significant impact on their financial behaviour; however, they did highlight some key features of credit union business practice which help them to manage their finances. Finally, we argue that credit unions need to remain cognisant of their original goal of ensuring financial inclusion for all, particularly in the context of economic recession, which is likely to stimulate dema...
http://hdl.handle.net/10468/5052
Displaying Results 1 - 3 of 3 on page 1 of 1
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Institution
Trinity College Dublin (1)
University College Cork (2)
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Conference item (1)
Report (1)
Working paper (1)
Peer Review Status
Peer-reviewed (1)
Non-peer-reviewed (2)
Year
2011 (2)
2010 (1)
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