{"title":"Jonathan Morduch","description":null,"products":[{"product_id":"financial-diaries-book-jonathan-morduch-9780691172989","title":"The Financial Diaries","description":"What the financial diaries of working-class families reveal about economic stresses, why they happen, and what policies might reduce them  Deep within the American Dream lies the belief that hard work and steady saving will ensure a comfortable retirement and a better life for one's children. But in a nation experiencing unprecedented prosperity, even for many families who seem to be doing everything right, this ideal is still out of reach.  In The Financial Diaries, Jonathan Morduch and Rachel Schneider draw on the groundbreaking U.S. Financial Diaries, which follow the lives of 235 low- and middle-income families as they navigate through a year. Through the Diaries, Morduch and Schneider challenge popular assumptions about how Americans earn, spend, borrow, and save--and they identify the true causes of distress and inequality for many working Americans. We meet real people, ranging from a casino dealer to a street vendor to a tax preparer, who open up their lives and illustrate a world of financial uncertainty in which even limited financial success requires imaginative--and often costly--coping strategies. Morduch and Schneider detail what families are doing to help themselves and describe new policies and technologies that will improve stability for those who need it most.  Combining hard facts with personal stories, The Financial Diaries presents an unparalleled inside look at the economic stresses of today's families and offers powerful, fresh ideas for solving them.","brand":"WoB","offers":[{"title":"GB \/ VERY_GOOD \/ INTERNAL","offer_id":49597032104209,"sku":"GOR011069334","price":0.0,"currency_code":"GBP","in_stock":true},{"title":"US \/ GOOD \/ SBYB","offer_id":50198671065361,"sku":"CIN0691172986G","price":0.0,"currency_code":"GBP","in_stock":true},{"title":"US \/ VERY_GOOD \/ SBYB","offer_id":51694270578961,"sku":"CIN0691172986VG","price":0.0,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/4072\/6801\/files\/0691172986.jpg?v=1750743987"},{"product_id":"economics-of-microfinance-book-jonathan-morduch-9780262513982","title":"The Economics of Microfinance","description":"An accessible analysis of the global expansion of financial markets in poor communities, incorporating the latest thinking and evidence.The microfinance revolution has allowed more than 150 million poor people around the world to receive small loans without collateral, build up assets, and buy insurance. The idea that providing access to reliable and affordable financial services can have powerful economic and social effects has captured the imagination of policymakers, activists, bankers, and researchers around the world; the 2006 Nobel Peace Prize went to microfinance pioneer Muhammed Yunis and Grameen Bank of Bangladesh. This book offers an accessible and engaging analysis of the global expansion of financial markets in poor communities. It introduces readers to the key ideas driving microfinance, integrating theory with empirical data and addressing a range of issues, including savings and insurance, the role of women, impact measurement, and management incentives. This second edition has been updated throughout to reflect the latest data. A new chapter on commercialization describes the rapid growth in investment in microfinance institutions and the tensions inherent in the efforts to meet both social and financial objectives. The chapters on credit contracts, savings and insurance, and gender have been expanded substantially; a new section in the chapter on impact measurement describes the growing importance of randomized controlled trials; and the chapter on managing microfinance offers a new perspective on governance issues in transforming institutions. Appendixes and problem sets cover technical material.","brand":"WoB","offers":[{"title":"GB \/ NEW \/ GARDNERS","offer_id":49728455246097,"sku":"NGR9780262513982","price":0.0,"currency_code":"GBP","in_stock":false},{"title":"US \/ GOOD \/ SBYB","offer_id":50575048245521,"sku":"CIN0262513986G","price":0.0,"currency_code":"GBP","in_stock":false},{"title":"GB \/ VERY_GOOD \/ INTERNAL","offer_id":52786739052817,"sku":"GOR008432405","price":0.0,"currency_code":"GBP","in_stock":false},{"title":"GB \/ LIKE_NEW \/ INTERNAL","offer_id":52789549596945,"sku":"GOR010164632","price":0.0,"currency_code":"GBP","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/4072\/6801\/files\/0262513986.jpg?v=1750877457"},{"product_id":"loose-leaf-for-microeconomics-book-dean-s-karlan-9781260520972","title":"Loose Leaf for Microeconomics","description":"Improve YOUR world. Dean Karlan and Jonathan Morduch's Microeconomics 3e is built around the central concept that economics is a powerful and positive tool that students can use right now to improve their world. \u003ci\u003eMicroeconomics\u003c\/i\u003e uses examples and issues that resonate with students' experience to draw them in and frame ideas to help develop their economic intuition. \u003cp\u003e\u003c\/p\u003e- Using a balanced approach, students are able to sharpen their own understanding of topics by focusing on the data and evidence behind the effects they see. Students are equipped to understand and respond to real-life situations thought their new economic lens and challenged to decided how they will improve their world. \u003cp\u003e\u003c\/p\u003e- The third edition delivers core economic concepts along with exciting new ideas in economic though and strives to keep students engaged by confronting issues that are important in the world. \u003cp\u003e\u003c\/p\u003e- This text combines a familiar curriculum with material from new research and applied areas such as finance, behavioral economics, and the political economy. Students and faculty will find content that breaks down barriers between what takes place in the classroom and what happens in our nation and our world, with applications that are driven by empirical evidence, data, and research. \u003cp\u003e\u003c\/p\u003e- Karlan and Morduch show students that economics is a tool to improve one's own life and promote better public and business policies in the world. 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The abilities to buy what you need, when you need it, to put money aside for the future, and to withstand bad luck without financial ruin seem like basic elements of life in a functioning economy. But life is not that simple for people who lack financial tools. In fact, the tighter the budget, the more you need and benefit  from financial services. Financial inclusion-or, put another way, having the tools necessary to take control of one's finances and make progress towards one's goals-is essential to a just and fair society.    In Financial Inclusion: What Everyone Needs to Know, prominent experts Jonathan Morduch and Timothy Ogden explain in straightforward language how the lack of financial inclusion reinforces broader inequities in our society. Using their extensive backgrounds in finance, technology, economic change, and inequality, Morduch and Ogden detail efforts to guarantee that all people, rich and poor, have access to quality financial services and the ability to make prudent financial choices.     Framed by the simple concept of equal access, this book explains the mechanisms of one of the most contentious and misunderstood parts of modern economics by answering a few core questions: What is financial inclusion? Why does it matter? How does it work? When doesn't it work? What are the risks? 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