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Unbanked Status Among Individuals with Diabetes: Exploring Reasons, Correlates, and Implications for Financial and Health Outcomes.
J Gen Intern Med
December 2024
Department of Health Behavior and Health Equity, University of Michigan School of Public Health, Ann Arbor, MI, USA.
Unbanked status and use of alternative financial services among minority populations.
J Pension Econ Financ
October 2021
University of Southern California, Dana and David Dornsife College of Letters Arts and Sciences, CESR, 635 Downey Way, Los Angeles, California 90089-4012, USA.
A large number of Americans do not have bank accounts (the 'unbanked') or rely on costly alternative financial services (AFS) such as payday loans (the 'underbanked'), with implications for wealth accumulation and retirement preparedness. Using primary data, we document large racial/ethnic differences in unbanked and in frequent AFS usage rates. We study the role of socio-economic status (SES), financial literacy, trust in financial institutions, networks, and time preferences in explaining these gaps.
View Article and Find Full Text PDFFrom Payday Loans To Pawnshops: Fringe Banking, The Unbanked, And Health.
Health Aff (Millwood)
March 2018
Anjum Hajat is an assistant professor in the Department of Epidemiology, School of Public Health, at the University of Washington.
The fringe banking industry, including payday lenders and check cashers, was nearly nonexistent three decades ago. Today it generates tens of billions of dollars in annual revenue. The industry's growth accelerated in the 1980s with financial deregulation and the working class's declining resources.
View Article and Find Full Text PDFWalking blood banks: an immediate solution to rural India's blood drought.
Indian J Med Ethics
October 2018
WHO Collaborating Centre for Research on Surgical Care Delivery in LMICs; Surgical Unit, BARC Hospital (Govt. of India), Mumbai - 400 094, India.,
The current system of blood banks in India is such that rural patients are deprived of timely access to an adequate volume of life-saving blood, adding to preventable mortality. On the basis of an academic framework for a blood transfusion system, we describe an alternative approach in which rural practitioners utilise unbanked blood transfusions from a voluntary pool of pre-screened donors. This system would provide safe blood - as evidenced by international experience and limited projected increase in transfusion-transmissible infection in India - at a fraction of the financial cost imposed by the current system.
View Article and Find Full Text PDFBanking of fresh-frozen prostate tissue: methods, validation and use.
BJU Int
March 2003
Norfolk and Norwich University Hospital, Norwich, UK.
Objective: To describe the establishment, methods, validation and use of a bank of fresh-frozen human prostate tissue.
Materials And Methods: On obtaining informed patient consent, protocols were followed for banking prostate tissue from any type of prostatectomy or cystoprostatectomy. A pseudobanking procedure was devised to determine the accuracy of assessing the histopathological status of the banked tissue.
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