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Now available in paperback, Kevin O’Neill’s highly praised study of rural Ireland in the years leading up to the "Great Hunger" of the 1840s explicates the social, economic, and demographic conditions of the era. He argues that overpopulation and deprivation were inextricably linked to a third variable—the rapid economic development of rural Ireland that was shaped by British interests.

The historical decline of fertility in Europe has occupied a central place in social history and demography over the past quarter-century. Most scholars credit Europeans with modulating sexual behavior, through either abstinence or the practice of coitus interruptus, as a rational choice made in the interest of personal economic comfort; yet peasant and working classes have typically lagged behind in birth control and have given rise to the adage that "sexual embrace is the festival of the poor." Scholarly analyses of "lag" often reinforce this stigmatizing view. Now this subject is given a fresh look through a case study in Sicily, one of the last outposts of Western Europe's demographic transition.

By examining population changes in a single community between 1860 and 1980, the authors offer an extended review and critique of existing models of fertility decline in Europe, proposing a new interpretation that emphasizes historical context and class relations. They show how the spread of capitalism in Sicily induced an unprecedented rate of population growth, with boom-and-bust cycles creating the class experiences in which "reputational networks" came to redefine family life; how Sicilians began to control their fertility in response to class-mediated ideas about gender relations and respectable family size; and how the town's gentry, artisan, and peasant classes adopted family planning methods at different times in response to different pressures.

Jane and Peter Schneider's anthropologically oriented political-economy perspective challenges the position of Western Europe as a model for fertility decline on which every other case should converge, looking instead at the diversity of cultural ideals and practices--such as those found in Sicily--that influence the spread and form of birth control. Combining anthropological, oral historical, and archival methods in new and insightful ways, the authors' synthesis of a particular case study with a broad historical and theoretical discussion will play a major role in the ongoing debates over the history of European fertility decline and point the way toward integrating the analysis of demographic upheaval with the study of class formation and ideology.

Access to capital and financial services is crucial for healthy communities.  However, many impoverished individuals and neighborhoods are routinely ignored by mainstream financial institutions.  This neglect led to the creation of community development financial institutions (CDFIs), which provide low-income communities with financial services and act as a conduit to conventional financial organizations and capital markets. Edited by Julia Sass Rubin, Financing Low-Income Communities brings together leading experts in the field to assess what we know about the challenges of bringing financial services and capital to poor communities, map out future lines of research, and propose policy reforms to make these efforts more effective. The contributors to Financing Low-Income Communities distill research on key topics related to community development finance. Daniel Schneider and Peter Tufano examine the obstacles that make saving and asset accumulation difficult for low-income households—such as the fact that tens of millions of low-income and minority adults don't have a bank account—and consider solutions, like making it easier for low-wage workers to enroll in 401(K) plans. Jeanne Hogarth, Jane Kolodinksy, and Marianne Hilgert review evidence showing that community-based financial education programs can be effective in changing families' saving and budgeting patterns.  Lisa Servon proposes strategies for addressing the challenges facing the microenterprise field in the United States.  Julia Sass Rubin discusses ways community loan and venture capital funds have adapted in response to the decreased availability of funding, and considers potential sources of new capital, such as state governments and public pension funds.  Marva Williams explores the evolution and recent performance of community development banks and credit unions.  Kathleen Engel and Patricia McCoy document the proliferation of predatory lenders, who market loans at onerous interest rates to financially vulnerable families and the devastating effects of such lending on communities—from increased crime to falling home values and lower tax revenues. Rachel Bratt reviews the policies and programs used to make rental and owned housing financially accessible.  Rob Hollister proposes a framework for evaluating the contributions of community development financial institutions. Despite the many accomplishments of CDFIs over the last four decades, changing political and economic conditions make it imperative that they adapt in order to survive.  Financing Low-Income Communities charts out new directions for public and private organizations which aim to end the financial exclusion of marginalized neighborhoods.

"Cogently argued, fills an important gap in the literature, and is accessible to undergraduates." —Choice "Dismantles the mythology surrounding pawnshops and check-cashing outlets, and demonstrates that they are no longer on the fringe of our financial system but integral to it."—San Francisco Bay Guardian In today's world of electronic cash transfers, automated teller machines, and credit cards, the image of the musty, junk-laden pawnshop seems a relic of the past. But it is not. The 1980s witnessed a tremendous boom in pawnbroking. There are now more pawnshops thanever before in U.S. history, and they are found not only in large cities but in towns and suburbs throughout the nation. As John Caskey demonstrates in Fringe Banking, the increased public patronage of both pawnshops and commercial check-cashing outlets signals the growing number of American households now living on a cash-only basis, with no connection to any mainstream credit facilities or banking services. Fringe Banking is the first comprehensive study of pawnshops and check-cashing outlets, profiling their operations, customers, and recent growth from family-owned shops to such successful outlet chains as Cash American and ACE America's Cash Express. It explains why, despite interest rates and fees substantially higher than those of banks, their use has so dramatically increased. According to Caskey, declining family earnings, changing family structures, a growing immigrant population, and lack of household budgeting skills has greatly reduced the demand for bank deposit services among millions of Americans. In addition, banks responded to 1980s regulatory changes by increasing fees on deposit accounts with small balances and closing branches in many poor urban areas. These factors combined to leave many low- and moderate-income families without access to checking privileges, credit services, and bank loans. Pawnshops and check-cashing outlets provide such families with essential financial services thay cannot obtain elsewhere. Caskey notes that fringe banks, particularly check-cashing outlets, are also utilized by families who could participate in the formal banking system, but are willing to pay more for convenience and quick access to cash. Caskey argues that, contrary to their historical reputation as predators milking the poor and desperate, pawnshops and check-cashing outlets play a key financial role for disadvantaged groups. Citing the inconsistent and often unenforced state laws currently governing the industry, Fringe Banking challenges policy makers to design regulations that will allow fringe banks to remain profitable without exploiting the customers who depend on them.