INTRODUCTION
The Emergence of the Global Financial Meltdown The global economy has been hit by the worst economic crisis since the Great Depression. What began as a meltdown of the United States sub-prime mortgage market in 2007, had grown steadily into a full blown economic crisis by 2008, wiping out trillions of dollars of financial wealth, undermining global trade and investment and putting the real economy on a course of protracted recession around the world (ILO, 2009.3; World Bank, 2009.1; Igbatayo, 2009.5). The foreclosure epidemic in the United States mortgage market in 2006 became a key factor that triggered the global financial crisis. Figure 1 shows the rising profile of the United States subprime mortgage market between 1997 and 2007, featuring a dramatic increase in the expansion of credit to the sub-sector until it unraveled in 2006
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