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Credit Scoring, Response Modelling and Insurance Rating
by Steven FinlayEvery year, financial services organizations make billions of dollars worth of decisions using automated systems. For example, who to give a credit card to and the premium someone should pay for their home insurance. This book explains how the forecasting models, that lie at the heart of these systems, are developed and deployed.
Credit to Capabilities
by Paromita SanyalCredit to Capabilities focuses on the controversial topic of microcredit's impact on women's empowerment and, especially, on the neglected question of how microcredit transforms women's agency. Based on interviews with hundreds of economically and socially vulnerable women from peasant households, this book highlights the role of the associational mechanism - forming women into groups that are embedded in a vast network and providing the opportunity for face-to-face participation in group meetings - in improving women's capabilities. This book reveals the role of microcredit groups in fostering women's social capital, particularly their capacity of organizing collective action for public goods and for protecting women's welfare. It argues that, in the Indian context, microcredit groups are becoming increasingly important in rural civil societies. Throughout, the book maintains an analytical distinction between married women in male-headed households and women in female-headed households in discussing the potentials and the limitations of microcredit's social and economic impacts.
Credit Where It's Due: Rethinking Financial Citizenship
by Frederick F. Wherry Kristin S. Seefeldt Anthony S. Alvarez Jose QuinonezAn estimated 45 million adults in the U.S. lack a credit score at time when credit invisibility can reduce one’s ability to rent a home, find employment, or secure a mortgage or loan. As a result, individuals without credit—who are disproportionately African American and Latino—often lead separate and unequal financial lives. Yet, as sociologists and public policy experts Frederick Wherry, Kristin Seefeldt, and Anthony Alvarez argue, many people who are not recognized within the financial system engage in behaviors that indicate their credit worthiness. How might institutions acknowledge these practices and help these people emerge from the financial shadows? In Credit Where It’s Due, the authors evaluate an innovative model of credit-building and advocate for a new understanding of financial citizenship, or participation in a financial system that fosters social belonging, dignity, and respect. Wherry, Seefeldt, and Alvarez tell the story of the Mission Asset Fund, a San Francisco-based organization that assists mostly low- and moderate-income people of color with building credit. The Mission Asset Fund facilitates zero-interest lending circles, which have been practiced by generations of immigrants, but have gone largely unrecognized by mainstream financial institutions. Participants decide how the circles are run and how they will use their loans, and the organization reports their clients’ lending activity to credit bureaus. As the authors show, this system not only helps clients build credit, but also allows them to manage debt with dignity, have some say in the creation of financial products, and reaffirm their sense of social membership. The authors delve into the history of racial wealth inequality in the U.S. to show that for many black and Latino households, credit invisibility is not simply a matter of individual choices or inadequate financial education. Rather, financial marginalization is the result of historical policies that enabled predatory lending, discriminatory banking and housing practices, and the rollback of regulatory protections for first-time homeowners. To rectify these inequalities, the authors propose common sense regulations to protect consumers from abuse alongside new initiatives that provide seed capital for every child, create affordable short-term loans, and ensure that financial institutions treat low- and moderate-income clients with equal respect. By situating the successes of the Mission Asset Fund in the larger history of credit and debt, Credit Where It’s Due shows how to prioritize financial citizenship for all.
The Creed of the Conquering Chief, As Expounded by the Inspired Orator
by Albert Lewis Pelton"The Creed of the Conquering Chief, As Expounded by the Inspired Orator" by Albert Lewis Pelton is a powerful and motivational work that distills the principles of leadership and personal success into an inspiring creed. Pelton, a visionary thinker and accomplished author, delivers a compelling guide for those who aspire to achieve greatness and lead with confidence and conviction.In this seminal work, Pelton explores the characteristics and mindset of the "Conquering Chief," a metaphor for the ideal leader who triumphs over challenges and inspires others to reach their highest potential. Through a series of eloquent discourses, the "Inspired Orator" lays out a clear and actionable philosophy for success, rooted in timeless truths and practical wisdom.Pelton's writing is both poetic and pragmatic, making complex ideas accessible and relatable. He emphasizes the importance of self-belief, resilience, and vision in the pursuit of excellence. The book is structured around key themes such as the power of positive thinking, the necessity of decisive action, and the value of integrity and perseverance.Each chapter offers profound insights and practical advice, illustrated with vivid anecdotes and historical examples that highlight the universal applicability of the principles espoused. Pelton encourages readers to embrace their inner strength, cultivate a winning mindset, and lead with purpose and passion."The Creed of the Conquering Chief" is more than just a manual for personal development; it is a clarion call to rise above mediocrity and strive for greatness. Pelton's inspirational prose and timeless teachings resonate deeply, providing readers with the tools and motivation to transform their lives and the lives of those they lead.This book is an essential read for aspiring leaders, entrepreneurs, and anyone committed to personal and professional growth. Albert Lewis Pelton's "The Creed of the Conquering Chief" remains a beacon of inspiration, guiding readers on their journey to becoming triumphant leaders and masters of their own destiny.
Creole Cultures, Vol. 1: Safeguarding Creole Intangible Cultural Heritage
by Violet Cuffy Jane CarrThis edited collection considers the significance of Creole cultures within current, changing global contexts. With a particular focus on post-colonial Small Island Developing States, it brings together perspectives from academics, policy makers and practitioners including those based in Dominica, St Lucia, Seychelles and Mauritius. Together they provide a rich exploration of issues that arise in relation to safeguarding the intangible cultural heritage that sustains Creole identities. Commencing with considerations of the UNESCO (2003) Convention for the Safeguarding of the Intangible Cultural Heritage (ICH), the collection then presents case studies from the Seychelles, Mauritius, St. Lucia and Dominica. These attest to the many and different ways through which Creole cultural practices remain significant to the lived experiences of Creole communities. These chapters exemplify how through activities such as storytelling, singing, dancing, making artworks and the alternative economic practice of koudmen, Creole peoples sustain cultural identities that draw strength from their traditions. Yet there is also recognition of the continual struggle to sustain Creole cultural practices in the face of global economic and political pressures and related uncertainties. This global economic landscape also has an impact upon how Creole cultures are presented to tourists and hence upon the ways in which cultural practices are supported.
Creole Economics: Caribbean Cunning under the French Flag
by Katherine E. BrowneBrowne draws on a decade of ethnographic fieldwork and interview data from all socioeconomic sectors to question the common understanding of informal economies as culture-free, survival strategies of the poor. Anchoring her own insights to longer historical and literary views, the author shows how adaptations of cunning have been reinforced since the days of plantation slavery. These adaptations occur, not in spite of French economic and political control, but rather because of it. Powered by the "essential tensions" of maintaining French and Creole identities, the practice of creole economics provides both assertion of and refuge from the difficulties of being dark-skinned and French. This powerful ethnographic study shows how local economic meanings and plural identities help explain work off the books. Like creole language and music, creole economics expresses an irreducibly complex blend of historical, contemporary, and cultural influences.
Crescendo em Cristo: O Mistério Escondido do Crescimento Espiritual
by Samson O. WealthVocê deseja elevar seu relacionamento com Deus para o próximo nível? Sim, eu sei; Todos nós temos essa paixão de seguir a Deus e fazer a vontade dele. Mas há um grande obstáculo que nos impede. E essa é a nossa carne. Ainda somos presos pelo pecado e escravizados por atitudes sem Deus, vícios e hábitos pecaminosos. Mas quem pode nos salvar deste fardo do pecado e da morte? A resposta é simples - JESUS É O CAMINHO. Sem a ajuda de nosso Senhor Jesus, você não pode crescer em Cristo e começar a viver uma vida santa, que o levará ao céu. Mas, para o Senhor ajudá-lo a crescer nele, há certas coisas que você deve colocar em prática para se tornar um cristão notável. Com a ajuda do Espírito Santo, este livro está repleto de mistérios ocultos que farão com que você comece a experimentar um tremendo crescimento em Cristo imediatamente. Este livro não apenas abre seus olhos, mas também lhe dá conselhos práticos sobre como viver uma vida santa e cheia do Espírito. Veja o que você aprenderá neste livro: • Por que você não está crescendo em Cristo? • Forças ocultas que estão lutando contra o seu crescimento espiritual, para que você acabe no inferno • Os passos necessários você pode começar a aplicar imediatamente para se tornar um gigante espiritual • Forças que você sempre precisa estar em guerra, se você quer ser um vencedor • As três regras fundamentais de ouro para praticar se você quer deixar a carnalidade para viver a espiritualidade Vá buscar este livro e descubra como você pode ampliar seu relacionamento com Deus hoje.
Crescent Moon Rising
by Paul L. WilliamsInformative and at times controversial, this book examines the rise of Islam in American and clearly shows it will be a force to reckon with for some time. In 1975, Leo Rosten published his Religions of America, an exhaustive compilation of statistical information on every major and minor group of believers in the country. In retrospect, it may seem surprising that the book contained no discussion of Islam. But this was not an oversight; for at the time Muslims in America were a statistically insignificant minority, numbering fewer than one thousand individuals. By contrast, Islam is today the second-largest and fastest growing religion in America, with more than six million adherents. In the first half of the book, the author traces the beginnings of Islam in this country, in particular the rise and influence of the Nation of Islam among African Americans. He emphasizes the impact of the 1965 Hart-Cellar Act, which abolished national-origin quotas and led to successive waves of Muslim immigrants, who entered this country from Palestine, Kuwait, Iraq, Southeast Asia, Africa, Turkey, and other parts of the world. In the second half, Williams considers statistical studies of American Muslims regarding age groups, family size, professional affiliations, annual income, and religious and political commitments. He also addresses a number of disturbing concerns about some aspects of the Muslim presence in America. These include: the connections between many American mosques with Saudi benefactors who promote an ultra-orthodox, anti-Western agenda; the existence of Muslim paramilitary training grounds recruiting ex-convicts; and the ties of even self-described moderate Muslim spokespersons with more politically radical elements.
The Crescent Obscured: The United States and the Muslim World 1776-1815
by Robert J. AllisonFrom the beginning of the colonial period to the recent conflicts in the Middle East, encounters with the Muslim world have helped Americans define national identity and purpose. Focusing on America's encounter with the Barbary states of North Africa from 1776 to 1815, Robert Allison traces the perceptions and mis-perceptions of Islam in the American mind as the new nation constructed its ideology and system of government. "A powerful ending that explains how the experience with the Barbary states compelled many Americans to look inward . . . with increasing doubts about the institution of slavery. " —David W. Lesch, Middle East Journal "Allison's incisive and informative account of the fledgling republic's encounter with the Muslim world is a revelation with a special pertinence to today's international scene. " —Richard W. Bulliet, Journal of Interdisciplinary History "This book should be widely read. . . . Allison's study provides a context for understanding more recent developments, such as America's tendency to demonize figures like Iran's Khumaini, Libya's Qaddafi, and Iraq's Saddam. " —Richard M. Eaton, Eighteenth Century Studies
Crew Resource Management: Critical Essays (Critical Essays on Human Factors in Aviation)
by Eduardo Salas, Katherine A. Wilson and Eleana EdensCrew Resource Management (CRM) training was first introduced in the late 1970s as a means to combating an increased number of accidents in which poor teamwork in the cockpit was a significant contributing factor. Since then, CRM training has expanded beyond the cockpit, for example, to cabin crews, maintenance crews, health care teams, nuclear power teams, and offshore oil teams. Not only has CRM expanded across communities, it has also drawn from a host of theories from multiple disciplines and evolved through a number of generations. Furthermore, a host of methodologies and tools have been developed that have allowed the community to better study and measure its effect on team performance and ultimately safety. Lacking, however, is a forum in which researchers and practitioners alike can turn to in order to understand where CRM has come from and where it is going. This volume, part of the 'Critical Essays on Human Factors in Aviation' series, proposes to do just that by providing a selection of readings which depicts the past, present, and future of CRM research and training.
Cricket and Society in South Africa, 1910–1971: From Union To Isolation (Palgrave Studies in Sport and Politics)
by Jonty Winch Richard Parry Bruce MurrayThis book explores how cricket in South Africa was shaped by society and society by cricket. It demonstrates the centrality of cricket in the evolving relationship between culture, sport and politics starting with South Africa as the beating heart of the imperial project and ending with the country as an international pariah. The contributors explore the tensions between fragmentation and unity, on and off the pitch, in the context of the racist ideology of empire, its ‘arrested development’ and the reliance of South Africa on a racially based exploitative labour system. This edited collection uncovers the hidden history of cricket, society, and empire in defining a multiplicity of South African identities, and recognises the achievements of forgotten players and their impact.
Cricket, Capitalism and Class: From the Village Green to the Cricket Industry (Routledge Research in Sport, Culture and Society)
by Chris McMillanThis ambitious new study argues that not only is the story of cricket inescapably entwined with that of capitalism, but that the game provides a unique lens with which to understand the history, development, exigencies and contradictions of capitalist political economy. From the aristocratic capture of the artisan’s game to the commodified entertainment of private T20 leagues, the story of cricket has been told against the background of capitalism. Cricket was the gentlemanly vanguard of the English-led British empire which forged the first iteration of international capitalism that was reliant upon a political and commercial partnership between rulers and the ruled, and today it speaks to the productive tension between the emergence of the Asian century and the power of American cultural imperialism. Reading capitalism as a cultural, economic and political system, this book explores the relationship between cricket and capitalism, and illuminates many of the most important themes in contemporary sport studies, such as class, race, gender, globalisation, nationalism, neoliberalism, commodification and migration. This is fascinating reading for anybody with an interest in sport history, the sociology of sport, global political economy, political theory or cultural studies.
Cricket, Kirikiti and Imperialism in Samoa, 1879–1939 (Palgrave Studies in Sport and Politics)
by Benjamin SacksThis book considers how Samoans embraced and reshaped the English game of cricket, recasting it as a distinctively Samoan pastime, kirikiti. Starting with cricket’s introduction to the islands in 1879, it uses both cricket and kirikiti to trace six decades of contest between and within the categories of ‘colonisers’ and ‘colonised.’ How and why did Samoans adapt and appropriate the imperial game? How did officials, missionaries, colonists, soldiers and those with mixed foreign and Samoan heritage understand and respond to the real and symbolic challenges kirikiti presented? And how did Samoans use both games to navigate foreign colonialism(s)? By investigating these questions, Benjamin Sacks suggests alternative frameworks for conceptualising sporting transfer and adoption, and advances understandings of how power, politics and identity were manifested through sport, in Samoa and across the globe.
Cricket's Changing Ethos (Global Culture and Sport Series)
by Jon GemmellThis book examines historically how cricket was codified out of its variant folk-forms and then marketed with certain lessons sought to reinforce the values of a declining landed interest. It goes on to show how such values were then adapted as part of the imperial experiment and were eventually rejected and replaced with an ethos that better reflected the interests of new dominant elites. The work examines the impact of globalisation and marketization on cricket and analyses the shift from an English dominance, on a sport that is ever-increasingly being shaped by Asian forces. The book’s distinctiveness lies in trying to decode the spirit of the game, outlining a set of actual characteristics rather than a vague sense of values. An historical analysis shows how imperialism, nationalism, commercialism and globalisation have shaped and adapted these characteristics. As such it will be of interest to students and scholars of sport sociology, post-colonialism, globalisation as well as those with an interest in the game of cricket and sport more generally.
Crim Just & Soc Recon Ils 203 (International Library of Sociology)
by Hermann MannheimFirst published in 1998. Routledge is an imprint of Taylor & Francis, an informa company.
Crime: An Analytical Appraisal (International Library of Sociology)
by Manuel Lopez-ReyFirst published in 1998. Routledge is an imprint of Taylor & Francis, an informa company.
Crime and Crime Reduction: The importance of group processes
by Jane L. Wood Theresa A. GannonThe problems associated with groups that commit crime are well known and notoriously complex. However, there are many questions that we still cannot answer with certainty. This book seeks to deepen understanding of the group processes involved in crime and the treatment of offenders’ thoughts and behaviour. Together, the chapters in this volume address the following questions: Are people more likely to commit crime because of the influence of their group? Does group membership cause people to become criminals, or does the group merely foster people’s pre-existing criminal inclinations? How does group membership exert such a strong hold on people so that some risk imprisonment or even death, rather than relinquish their membership? The contributors to Crime and Crime Reduction consider the social psychological influences of groups and specific forms of group crime such as street and prison gangs, terrorism, organized criminal networks, and group sexual offending. The book also addresses important questions about the role of groups in treating offenders, and why existing group membership should be considered when treating offenders. Group criminal activity is a key area of study for researchers and for students of Forensic Psychology and Criminology courses. This book will therefore be of interest to students, scholars, and law enforcement practitioners who want to understand the group processes involved in crime and its reduction.
Crime and Criminality: Social, Psychological, and Neurobiological Explanations
by Ehor BoyanowskyThis informative and entertaining book, peppered with personal anecdotes, and rich in case studies, adopts an eclectic approach to studying the causes of crime. Rather than rely on one theoretical position, Boyanowsky opts to borrow from a variety of theories to arrive at the most effective answer. As a result, even seasoned veterans will learn from this book. Crime and Criminality employs case studies, both notorious and lesser known, to bring theories to life, and to offer insight into vital contemporary topics like domestic violence, child pornography, genocide, the effect of climate change on crime, and the evolution of cybercrime. Entertaining, and accessible, and comparative in scope, this text is ideal for students and general readers interested in understanding the varied causes of crime. Instructor supports in the form of PowerPoint slides as well as introductions, and summaries for each chapter make this an ideal text for criminology courses.
Crime and Custom in Savage Society: [1926/1940] (Quality Paperback Ser. #No. 210)
by Russell Smith Bronislaw MalinowskiCrime and Custom in Savage Society represents Bronislaw Malinowski's major discussion of the relationship between law and society. Throughout his career he constructed a coherent science of anthropology, one modeled on the highest standards of practice and theory. Methodology steps forward as a core element of the refashioned anthropology, one that stipulates the manner in which anthropological data should be acquired.Malinowski's choice of law was not inevitable, but neither was it unmotivated. Anyone interested in understanding the social structure and organization of societies cannot avoid dealing with the concept of "law," even if it is to deny its presence. Law and anthropology have shown a natural affinity for one another, sharing a beneficial history of using the methods and viewpoints of one to inform and advance the other.The best lesson Malinowski provides us with comes in the last paragraphs of Crime and Custom in Savage Society: "The true problem is not to study how human life submits to rules; the real problem is how the rules become adapted to life." On that question, he has left us richly inspired to continue the quest.
Crime and Fear in Public Places: Towards Safe, Inclusive and Sustainable Cities (Routledge Studies in Crime and Society)
by Vania Ceccato Mahesh K. NallaThe Open Access version of this book, available at https://www.taylorfrancis.com/books/9780429352775 has been made available under a Creative Commons Attribution-Non Commercial-No Derivatives 4.0 license. No city environment reflects the meaning of urban life better than a public place. A public place, whatever its nature—a park, a mall, a train platform or a street corner—is where people pass by, meet each other and at times become a victim of crime. With this book, we submit that crime and safety in public places are not issues that can be easily dealt with within the boundaries of a single discipline. The book aims to illustrate the complexity of patterns of crime and fear in public places with examples of studies on these topics contextualized in different cities and countries around the world. This is achieved by tackling five cross-cutting themes: the nature of the city’s environment as a backdrop for crime and fear; the dynamics of individuals’ daily routines and their transit safety; the safety perceptions experienced by those who are most in fear in public places; the metrics of crime and fear; and, finally, examples of current practices in promoting safety. All these original chapters contribute to our quest for safer, more inclusive, resilient, equitable and sustainable cities and human settlements aligned to the Global 2030 Agenda for Sustainable Development.
Crime And Mental Disorders: The Criminal Justice Response (Higher Education Coursebook)
by Denise Gosselin<p>The newest entry in the cutting edge topic of Mental Illness and Crime, this book from Denise Gosselin is practically focused and straightforward in its approach. It's clear, concise writing style avoids jargon and will engage both undergraduate and graduate students. It includes discussions of understanding mental illness, the changing landscape of criminal justice and mental illness, criminal justice responses to mental illness, alternatives to incarceration and global issues. An accompanying website includes Test Banks and other instructional materials. <p>Organized into five sections: <p> <li>Part I UNDERSTANDING MENTAL ILLNESS concern the history (past and present), classifications, and introduction to the criminal justice issues on the responses to people with mental illness. <li>Part II THE CHANGING LANDSCAPE examines the criminal justice involved encounters that occur outside of the traditional system, involving intervention, collaboration, and civil commitment. <li>Part III CRIMINAL JUSTICE RESPONSES look at law and policy of law enforcement, the criminal court and corrections. <li>Part IV ALTERNATIVES TO INCARCERATION reflects recent changes to reentry and community corrections. The juvenile justice component includes the brief system responses to juveniles with mental disorders. <li>Part V GLOBAL ISSUES stands alone as chapter 14 to remind us that we are not alone! The issues and system responses are not unique to the United States. </li> </p>
Crime and Personality (Psychology Revivals)
by H.J. EysenckWhen Crime and Personality was first published in 1964, J.A.C. Brown, writing in the New Statesman, commented: ‘There can be no doubt of the importance of Professor Eysenck’s book on the nature and treatment of criminal behaviour.’ This third edition, originally published in 1977, had been completely revised and brought up to date, and although the major theory linking personality and crime has been retained, many of the details have been changed in conformity with recent research of the time. The book presents a theory concerning the personality of criminals, and offers evidence to show that these personality features characterising criminals are based on genetic foundations. It is argued that criminality as a whole is not exclusively based on environmental factors as has so often been suggested, but has a strong biological basis. A good deal of evidence is reviewed showing that there are many data supporting this view, from studies of identical and fraternal twins, adopted children, and comparisons between criminals and non-criminals both in the Western world and in Communist countries. Professor Eysenck suggests that important consequences follow from such an attempt to redress the one-sided emphasis on environmental factors which had been so characteristic of the previous fifty years, and some of these consequences are described in detail. He further suggests that only proper understanding of the psychological factors making for antisocial behaviour will help in reversing the increasing burden that criminality places upon society. The book also takes issue with political arguments of the time regarding the origins of criminality, and shows that criminals behind the Iron Curtain show the same personality characteristics as do criminals in Western countries.
Crime and Power
by Pamela Davies Tanya WyattThis textbook makes a concerted effort to expose crimes committed by those wielding unfettered personal power and crimes by corporations, business and states, crimes against human and non-human species and the environment. It examines an increasingly complex interplay of issues which surely should be at the heart of any criminology programme. This text adopts a fresh and innovative approach to exposing the crimes of the powerful, situating and understanding crimes and victimisations as it does within a framework where questions of structural and personal power in society are key. Fourteen case studies are threaded throughout the book and this methodology is used as a teaching resource for studying and uncovering the crimes of the powerful. The first three chapters comprehensively contextualise the problems of crime and power and establish the importance of power to understanding crime and victimisation in society. The chapters within Part I and Part II of the book then explore individual and group power respectively. Each of these chapters explore a case study or case examples followed by ‘Pause for Thought’ questions. Bigger ‘Go Further’ study questions are posed at the close of these chapters challenging students to engage in their own case study research to investigate the dynamics of crime and power.
Crime and Social Change in Middle England: Questions of Order in an English Town
by Evi Girling Ian Loader Richard SparksCrime and Social Change in Middle England offers a new way of looking at contemporary debates on the fear of crime. Using observation, interviews and documentary analysis it traces the reactions of citizens of one very ordinary town to events, conflicts and controversies around such topical subjects of criminological investigation as youth, public order, drugs, policing and home security in their community. In doing so it moves in place from comfortable suburbs to hard pressed inner city estates, from the affluent to the impoverished, from old people watching the town where they grew up change around them to young in-comers who are part of that change. This is a book which will give all students of crime a rare and fascinating insight into how issues at the heart of contemporary law and order politics both nationally and internationally actually play out on the ground.
Crime and Social Control in Central-Eastern Europe: A Guide to Theory and Practice (Routledge Revivals)
by Aleksandar FaticFirst published in 1997. This work provides a criminological introduction to the current situation of criminal justice systems in the politically changing Central-Eastern Europe after 1989. It explores concrete problems which the countries are facing, such as the release of political prisoners and those sentenced excessively under the communist regime. The concluding part illuminates the case studies in the previous sections from the point of view of their possible interaction into a cohesive and coherent criminological discipline.