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Unequal Burden: How Rental Market Tightness Disproportionately Hurts Low-Income Families

May 11, 2025by Dr Dawkins Brown

The Hidden Victims of a Tightening Rental Market In the wake of the global pandemic and the subsequent monetary tightening cycle, the spotlight has largely focused on rising mortgage rates and declining homeownership. But what has received far less attention—and arguably carries even greater social consequence—is what happened to those who remained renters. For low-income...

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The Credit Tightrope: Understanding the Power of Underwriting Standards in Housing Accessibility

May 11, 2025by Dr Dawkins Brown

Walking the Credit Line In the modern housing market, access to homeownership is increasingly determined not just by a buyer’s willingness or even ability to pay, but by their ability to meet a series of highly technical lending criteria. Among the most influential—and often misunderstood—are underwriting standards, especially front-end mortgage payment-to-income ratios (PTIs). These standards,...

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How Rising Mortgage Rates Locked Out First-Time Homebuyers

May 11, 2025by Dr Dawkins Brown

A Barrier to Entry for a New Generation of Buyers The path to homeownership has long been viewed as a critical step in building personal wealth, fostering community stability, and enhancing economic mobility. For decades, first-time homebuyers—often young, middle-income earners—represented the gateway to broader market participation and long-term financial security. But in the wake of...

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Private Sector Participation in Guyana’s Growth: Financing, Inflation, and the Role of Banks

May 8, 2025by Dr Dawkins Brown

Guyana’s economy is expanding at an extraordinary pace, driven by unprecedented oil discoveries and rapidly increasing production. While the public sector is utilizing petroleum revenues to boost infrastructure and social services, the full potential of this transformation hinges on the private sector’s ability to thrive, invest, and scale. A dynamic and inclusive economy cannot be...

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Beyond Oil: Building Fiscal Resilience and Institutional Capacity in Guyana

May 8, 2025by Dr Dawkins Brown

Guyana’s recent economic ascent, largely driven by the booming oil and gas sector, has positioned the country among the fastest-growing economies globally. With vast petroleum reserves now generating substantial revenue flows, the focus has understandably shifted to infrastructure expansion and public investment. However, the long-term sustainability of this growth story hinges not merely on the...

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SME Valuation in a Post-Pandemic World: Getting Your Numbers Right for Investors

May 3, 2025by Dr Dawkins Brown

📉 The Pandemic Changed Everything—Including How SMEs Are Valued The COVID-19 pandemic didn’t just disrupt supply chains, employee workflows, or consumer behavior—it transformed how investors view small and medium-sized enterprises (SMEs). Where historical financials once played a dominant role in business valuation, investors today are asking deeper, more future-focused questions: How resilient is this business...

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Navigating 30+ Years of Global Equity Returns: A Regional Perspective on Market Resilience and Transformation

May 2, 2025by Dr Dawkins Brown

Over the past three decades, global equity markets have witnessed dramatic cycles of boom, bust, and recovery. From the euphoria of the dot-com era to the scars of the global financial crisis and the uncharted turbulence of the COVID-19 pandemic, equity performance has painted a vivid narrative of economic transformation across regions. Using MSCI indexes...

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Unlocking Hidden Value: Why Knowledge Deserves a Place on the Balance Sheet

April 26, 2025by Dr Dawkins Brown

The Invisible Asset Powering Business Growth In today’s knowledge-driven economy, intangible assets often determine a company’s true market value. Businesses meticulously track capital investments, real estate holdings, and intellectual property on their balance sheets. Yet, ironically, the most critical driver of innovation, productivity, and decision-making—knowledge—remains conspicuously absent. As organizations increasingly compete based on their ability...

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Time for a Fair Deal: Ending the Era of Front-Loaded Mortgage Interest

April 21, 2025by Dr Dawkins Brown

When Fairness is Deferred, So is Prosperity The dream of homeownership should be a step toward stability, equity, and financial freedom—not a slow march through a system designed to serve lenders first and borrowers last. Yet in much of the world, and certainly across the Caribbean, the traditional mortgage model unfairly prioritizes institutional profits over...

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Trapped by the Terms: How Front-Loaded Interest Keeps Borrowers from Building Wealth

April 21, 2025by Dr Dawkins Brown

The Promise of Homeownership—With a Catch Homeownership is often hailed as a pillar of financial security, a symbol of progress, and a key to building generational wealth. Yet, buried within the fine print of most mortgage agreements lies a structural flaw that silently erodes this dream: front-loaded interest amortization. While the borrower makes monthly payments...

Newer Posts

Older Posts

Unequal Burden: How Rental Market Tightness Disproportionately Hurts Low-Income Families

The Credit Tightrope: Understanding the Power of Underwriting Standards in Housing Accessibility

How Rising Mortgage Rates Locked Out First-Time Homebuyers

Private Sector Participation in Guyana’s Growth: Financing, Inflation, and the Role of Banks

Beyond Oil: Building Fiscal Resilience and Institutional Capacity in Guyana

SME Valuation in a Post-Pandemic World: Getting Your Numbers Right for Investors

Navigating 30+ Years of Global Equity Returns: A Regional Perspective on Market Resilience and Transformation

Unlocking Hidden Value: Why Knowledge Deserves a Place on the Balance Sheet

Time for a Fair Deal: Ending the Era of Front-Loaded Mortgage Interest

Trapped by the Terms: How Front-Loaded Interest Keeps Borrowers from Building Wealth

July 23, 2026Could Your Organisation Survive a Ransomware Attack? The Caribbean Resilience Reality Check

July 23, 2026Why Scans Are Not Penetration Tests: Translating Cybersecurity Severity into Business Risk

July 23, 2026The IIA Cybersecurity Topical Requirement: What Caribbean Internal Audit Functions Must Do Now

July 22, 2026Internal Audit Meets Cybersecurity: A New Assurance Model for Caribbean Organisations

July 22, 2026The Cyber-Accountable Board: What Directors Must Know, Ask and Verify

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