N.B. This will be the last issue of 2014 for The FAIV, which will return on January 9th. FAI wishes all of our readers a happy and safe holiday season and a prosperous New Year!
1. Poverty in the U.S.: “It’s assumed that we’re not unstable because we’re poor, we’re poor because we’re unstable. So let’s just talk about how impossible it is to keep your life from spiraling out of control when you have no financial cushion whatsoever.” Slate
2. Agricultural Loans: Forgiveness of agricultural loans has been a common occurrence in India. it's about to happen again. But who gets the benefits and what happens after? Bloomberg
3. Cash Transfers: Evidence is building for positive impact of both unconditional cash transfers and graduation models for the ultra-poor. How do you decide between the two? NextBillion
4. Microinsurance: New research examines the profitability and client value of banking and retail correspondents in four countries as alternative insurance distribution channels. ILO
5. The Unbanked: Argentina is experiencing an uptick in armed robberies due to its citizens' distrust of banks and tendency to operate mainly in cash. NPR
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Editor’s Note: I’m going to assume that you are seeing plenty of AI content (news and papers, not AI slop, though I’m sure you’re getting plenty of that too) from other sources, so I’m trying to think hard about the marginal value that the faiV can provide. As far as I’ve gotten so far: a) make sure that directly AI-related content does not take up more than 2 of the 5 items, and b) try to focus specifically on the cybersecurity issue for financial inclusion. Beyond that, I’m open to feedback on the value you get from the faiV in relation to AI to help guide us in the future. On a different note, I’ll be making a brief cameo appearance at the e-MFP Inclusive Finance Conference to moderate the opening plenary. If you haven’t registered, do so and I hope to see you there! - Tim Ogden