By Manuel B. Aalbers
Using study from the united states, Italy, and the Netherlands, Place, Exclusion and personal loan Markets provides a close exam of the perform of redlining and the wider implications of latest city exclusion methods.
Covers exclusion in personal loan markets in 3 assorted nations - the united states, Italy, and the NetherlandsContent:
Chapter 1 Social and monetary Exclusion (pages 11–34):
Chapter 2 A Socio?Spatial procedure (pages 35–52):
Chapter three Markets, associations, threat, credits Scoring (pages 53–76):
Chapter four the USA: One Century of Redlining (pages 77–102):
Chapter five Italy: Capital Switching in Milan (pages 103–123):
Chapter 6 The Netherlands: coloured Maps (pages 124–164):
Chapter 6a photograph Essay: The Tarwewijk, Rotterdam (pages 166–178):
Chapter 7 The Globalization of Redlining? (pages 179–198):
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Extra resources for Place, Exclusion, and Mortgage Markets
David Harvey, Capital Switching, and Urban Development The contemporary literature on the geography of finance is rooted in the work of David Harvey. Harvey is spatializing Marx’s contributions (Sheppard 2004) and, following Marx, Harvey gives center stage to financial markets. In Marx’s view, financial markets enable capital to flow from less profitable to more profitable sectors of the economy; Harvey speaks of “capital switching” when capital (investment) flows from one sector to the other. Harvey adds that these “temporal” fixes can temporarily replace cycles of boom and bust, but not make them disappear.
If social and financial exclusions are caused by contemporary capitalism, if contemporary capitalism leads to inequality, and if capitalism can be characterized by uneven development (Harvey 1982, 1985; Smith 1984), it follows logically that exclusion itself is spatialized. This does not mean that all of the excluded live in excluded places or that excluded places are only inhabited by the excluded. Such a dichotomy does not work well in real life. Rather, exclusion will be more common in some places than in others.
With the restructuring of the financial sector on the one hand and the restructuring of the housing sector on the other, housing becomes increasingly subject to swings in financial markets. More than ever before, financial markets and housing markets are interlinked (see Aalbers 2008). Not only has the tremendous growth of the mortgage market (only partly a result of the increase in homeownership) made homeownership more dependent on financial markets; but, at the same time, the increase in real estate prices seems to be responsible for a significant part of the economic growth.