Entre la Exclusion Financiera y el Desarrollo Communitario The Spanish version of the book, Financial Exclusion and Community Development, which was financed by DFID in the English version and by Cities Alliance for the Spanish version with support from WBI. The book includes presentations by NGOs from several Central American countries demonstrating experiences - and logic - of privately financed (i.e. non-subsidized) slum upgrading. It also includes analyses of the situation of informal and unserviced communities in Central America, of the relationship of private banks to informal communities and vice versa (suggesting that the "financial exclusion" is detrimental to both parts) and argues that government policy should focus on stimulating private investment in development and upgrading of low-income communities, helping people to help themselves, rather than subsidizing upgrading of selected communities. The book concludes with a proposal for a credit enhancement facility in Guatemala (which is actually being implemented).   The Quiet Revolution This book documents two dramatic, but largely unheralded, revolutionary trends in Latin America and the Caribbean-decentralization and democratization-and argues that policy responses to them by national and international institutions may be smothering the embers of reform at the local level, reforms that are vital to long run sustainability of growth in the region. Introduction(pdf, 35kb) Table of Contents(pdf, 7.17kb)  |