Kin and Youths in the Social Networks of Youth‐Headed Households in Namibia

In settings highly affected by HIV/AIDS, households headed by children may result from strained family relations, poverty, and stigma associated with the disease. Understanding local systems and dynamics of support is essential to planning comprehensive models of care. This study measured size and composition of the support and conflict networks of 27 children and youth heads of household in northern Namibia and documented their perceptions of adequacy. Results showed a strong presence of and satisfaction with kin and peers as supporters, which challenges the assumptions that these households have few functional ties to family and that adults are the sole providers of support. Assistance to children without parental supervision should build on existing local strategies and children's resources.     

Patterns of income allocation among poor Gecekondu households in Turkey: overt mechanisms and women's secret kitties

This article examines the extent to which patterns of income allocation within the household influence poverty. The study proposes a new conceptual distinction between overt and covert mechanisms. It makes use of established concepts of financial management and control to explain the overt mechanisms, but questions the significance of existing management typologies in understanding poverty. The data draws on interviews conducted separately with both spouses in low-income households carefully selected from a gecekondu settlement in Ankara. Contrary to the dominant view, the research demonstrates a general tendency for both spouses to care for the 'collective good' in their income allocation decisions; thereby minimising further deprivation of the overall household and its individual members. It is also demonstrated that how total income is distributed in practice may be of greater relevance in understanding overall household deprivation than systems of financial management and control. Finally, secret kitties are shown to operate as a covert mechanism whereby women claim enhanced financial agency and indirectly challenge men's authority without causing increased deprivation for the overall household or the children.     

We’re Decent People: Constructing and Managing Family Identity in Rural Working‐Class Communities

Using grounded theory methodology, I establish family identity management as an important type of invisible work that connects women's household‐based domestic activities with community members’ perceptions and treatment of them and their family members. Detailed observations of household routines and family interactions, as well as in‐depth interviews with working‐class women living in two rural trailer park communities, provide insight into the meanings women assign to this labor, and their motivations for performing this work. I describe the strategies that women use to accomplish the work, examine how the work supports family life and child development, and explain how the residential environment influences the organization and accomplishment of this work.     

Family financial roles assumed by sex trafficking survivors upon community re-entry: Findings from a financial diaries study in the Philippines

People who have been trafficked often face substantial financial challenges upon exiting human trafficking and re-entering the community. This article presents findings from a 6-month financial diaries study with the households of 30 women in Cebu City, Philippines, who were trafficked into sex work. Data from 352 interviews with sex trafficking survivors and their family members were utilized to explore the roles that trafficking survivors played in promoting the economic well-being of their families upon community re-entry, as well as the challenges they faced in fulfilling these roles. Findings revealed that women who were trafficked balanced multiple roles in their families—including that of income earner, household financial manager, and financial providers for the extended family. Survivors’ limited access to employment was a key barrier that impeded their ability to achieve financial stability for themselves, their children, parents, and other family members. The employment status of trafficking survivors affected numerous crosscutting factors—including the extent to which they were able to control household finances, redistribute income to their parents, and leave violent relationships. Findings reinforce the importance of safe, sustainable employment opportunities for the security and well-being of trafficking survivors and their families.     

Household Production and Symptoms of Stress in Post-Soviet Russian Villages1

Abstract This paper examines the impact of human capital (the number of working age household members), social capital (social exchange helping networks and community integration), technological capital (use of mechanical agricultural tools), and village of residence on stratification of Russian peasant households in the post-Soviet era. Findings from a 1995 survey of households in three Russian villages show that the number of working age adults in the household has the strongest influence on household agricultural production. Social capital and technological capital also are associated with differences in the amount of sales obtained from household production. One village, which is located in an oblast (province) which has a program to assist peasant households had substantially higher agricultural production than did the other two villages which are located in oblasti without such programs. The number of working age adults in the household, social exchange networks, and community attachment are negatively associated with symptoms of stress, while higher village levels of production are associated with higher average levels of symptoms of stress in the village. The implications of the findings for the future of Russian agriculture and Russian rural village life are discussed.     

Expanding the Family Economic Stress Model: Insights From a Mixed‐Methods Approach

The current study used a mixed‐methods approach to examine how low‐income mothers managed their household economies, their experiences of economic pressure, and the consequences for family and child functioning. Qualitative analyses (N = 32 families) revealed that experiences of economic pressure were associated with an inability to afford both basic needs and some modest but highly valued “extras.” To meet demands, mothers reported using a variety of strategies, including instrumental support from friends and family members and other financial strategies. Results from the quantitative analyses (N= 516 families; 800 children, ages 6 – 15) were generally consistent with patterns observed in the qualitative analyses and extended the findings to include effects on parenting practices and children’s behavioral functioning.     

Gender and housing : The provision of accommodation for young adults in three Mexican cities

The literature on gender and housing is oddly distorted, for it is dominated by research on households which are ‘women-headed’, even where the majority of women may live in households conventionally regarded as being headed by men. This literature shuns the ‘traditional’, male-headed, nuclear household and regards ‘non-traditional’ households as being those headed by single mothers or women living alone. The first part of this paper argues that it is important not to restrict discussion of gender and housing to the problems facing single mothers or women living alone, because there is a danger of rendering the majority of women, once again, invisible.Equating ‘traditional’ and ‘non-traditional’ households with ‘nuclear’ and ‘women-headed’ households, respectively, confuses structure with headship and overlooks cultural variations in what constitutes a ‘traditional’ household — the nuclear household is not necessarily the traditional norm. The second part of this paper explores a little-documented housing arrangement in which large numbers of women are involved in urban Mexico: sharing. ‘Sharing’ occurs when two or more households occupy the same plot of land; one household owns the plot, allowing the other(s) to live there rent-free. Sharing mostly involves the adult sons or daughters of the plot owners, and may be regarded as a variation on the extended household structure. Sons are more likely to be allowed to bring their wives to their parents' home, whereas daughters are more likely to leave. Women living with their in-laws lack security of tenure and there is often conflict between wives and members of their husband's family of origin, particularly their mothers-in-law.The anthropological literature has identified gender relations as the source of conflict between women in extended households. Sharing reduces the potential for conflict by giving the younger household greater autonomy. Furthermore, concern for their daughters' welfare leads many parents to offer accommodation to married daughters as well as sons. Single mothers, however, are more likely to live as part of their parents' household than to share. In this respect, the nuclear household norm is reinforced, since sharing seems to be a privilege accorded only to those who are married.     

Family Financial Risk Taking When the Wife Earns More

This study investigates whether the relative bargaining power of spouses plays a role in explaining household financial risk taking. Traditional models assume that household decisions are made based on pooled resources and common preferences. In contrast, bargaining models hypothesize that household decisions depend on the relative bargaining power of spouses. According to bargaining models, if women are more risk averse, then households should exhibit less financial risk taking as the bargaining power of the wife increases. Results of an analysis of household financial risk taking in a sample of dual-earner, married households from the 2004 Survey of Consumer Finances are more consistent with decision making based on pooled resources rather than on the relative bargaining power of spouses.

Measuring Economic and Social Impacts of Membership in a Community Development Financial Institution

This study uses qualitative and quantitative measures to answer the question: “does a community development financial institution (CDFI) provide a measurable level of social benefit to its members?” Results indicate that a CDFI does change lives in many important ways, from providing members with the ability to get their financial houses in order, to helping members take control of their financial futures, and finally through building a sense of empowerment that reaches beyond the finances of an individual or family. In general, impacts were greater for lower income and less educated households, households with children, households that used more services, and for households that indicated wealth and asset building services were most important.     

THE EFFECT OF NONCONTRIBUTORY PENSIONS ON SAVING IN MEXICO

This paper examines the effects of noncontributory pension programs at the federal and state levels on Mexican households' saving patterns using micro data from the Mexican Income and Expenditure Survey. We find that the federal program curtails saving among households whose oldest member is either 18–54 or 65–69 years old, possibly through anticipation effects, a decrease in the longevity risk faced by households, and a redistribution of income between households of different generations. Specifically, these households appear to be reallocating income away from saving into human capital investments, like education and health. Generally, state programs have neither significant effects on household saving, nor does the combination of federal and state programs. Finally, with a few exceptions, noncontributory pensions have no significant impact on the saving of households with members 70 years of age or older—individuals eligible for those pensions, plausibly because of their dissaving stage in the lifecycle. (JEL D14, J26, O12, H55)     

Women's provisioning work: counting the cost for women living on low income

This paper reports on a research project that uses the concept of provisioning as a starting place in understanding the activities women in marginalized communities undertake to provide for themselves and members of their households and neighborhoods. This project explores the household and collective provisioning undertaken by women who are all part of formal community organizations in Canada. The work women do is explored from the dimension of women's relationships of responsibility. This vantage point uncovers a complex web of activity including paid employment, voluntary work, care work, exchanges of goods and services, community work, and self-provisioning. In addition, the provisioning strategies that women use when public resources are scarce are explored. In the face of significant cutbacks in public provision of goods and services, women are engaging in a complex network of activities in order to compensate through private provisioning for resources that are no longer available through public provisioning. The policy context in which these strategies are pursued is explored as well as the way in which risky policies produce risky coping strategies.     

Training Social Workers in Personal Finance: An Exploratory Study

Social workers have opportunities to help individuals and families with their financial problems in a variety of practice settings, yet receive no formal training to do so. Using data from an online survey of social workers and other human service professionals (N?=?56) who completed or expressed interest in a financial social work certification program, we found that respondents were able to apply what they learned to help their clients and valued the practical and interactive nature of program content. We also found that respondents were not immune from experiencing some of the same financial problems that confront their clients. Implications for educating BSW and MSW students about household finance are presented and discussed.     

Shoplifters of the World Unite! Law and Culture in Financialized Times

The last two decades have seen significant growth and change in the character of the interactions between working-class households and financial markets. Individuals and households are bearing more and more of the risks that were once managed by governments and employers, and financial markets have developed a vast range of products to facilitate that risk transfer. This has put households at the centre of financial innovation, requiring the extension of regulation and consumer protection into a whole new suite of financial products and a project of financial literacy and advice. Along with this financial development and its associated regulatory demands has come a new cultural project of capital seeking to normalize the expanded integration of individuals and households into capital's frontiers of accumulation. The project invites and invokes new forms of subjectivity (and subjugation) on the part of households. The developmental project required of state regulatory regimes is increasingly articulating not just a discourse of financial literacy but subordination to the individualism and discipline implicit in financial calculation. Contrary to its conception as spontaneous and individualist, this is an intentional and universalizing project of producing and managing labour's financial risks. In the collective self-management of these risks, the household is now not just a site of risk absorption; it is a major source of investment products (and, therefore, at the frontier of accumulation). Increasingly also, in the name of financial stability, households – not just those reliant on state support – are becoming subjects of surveillance and administration in their internal financial functioning. It is these dual aspects of households as both consumers and producers of financial claims that give materiality to conceptual and historical claims about the financialization of everyday life.     

Married women's resource position and household food expenditures in Cebu,Philippines

This study analyzes how married women use their access to and control over economic resources to increase household spending on food. Using data from Cebu, Philippines, where child malnutrition is high, this study finds that the more income women earn and control, the more households spend on food. Women's control over their income is particularly important for increasing food expenditures in the poorest households. In richer households, women who earn little of their own income also use spouse income transfers to increase food expenditures. The findings from this study suggest that in a developing country setting, improving women's economic status so that they earn and control more household resources can increase household spending on goods that benefit children.     

Migrant Remittances and Household Division: The Case of Nang Rong,Thailand

Using data from the Nang Rong Projects social survey (N = 4,989), this work examines the effect of migrant remittances on household splits in an agrarian district of Thailand, a developing country experiencing tremendous economic, demographic, and social transformations. Results show that remittances sent from migrants (especially female migrants) to their origin households affect changes in household affiliation. Findings are consistent with a household allocation model, whereby money sent by migrant siblings significantly affects the movement of the migrant’s sisters and their husbands into a new household. Results suggest that remittances are a significant determinant of household nucleation, especially in the latter stages of the Thai household life cycle. Results also suggest that rural Thais still follow traditional postnuptial residence patterns.     

Coping strategies and changes in the satisfaction of consumer needs in Poland

During the process of transformation members of households face multiple new challenges, including the necessity to make new decisions and verify previous actions that were undertaken to fulfil their needs. These new requirements are reflected in active or passive strategies adopted by households to balance their budgets. The first behaviour, the fox strategy’, invokes individuals’ adaptation of outside conditions to their own needs and preferences, such as doubling their work efforts in order largely to preserve the earlier patterns of consumption. The second reaction, the ‘hedgehog strategy’, involves the ‘cultivation of a balanced budget’, that is, taking care that expenses do not exceed income by restricting the use of many goods and services and limiting expenses and any symptoms of waste. The third response is a crisis or ‘lemmings’ strategy. This strategy may be observed in situations of drastic fall in a household's real income, where the household must reduce its consumer property (sale of household goods, taking on a pawn loan), or resort to outside help, e.g. institutional assistance (benefits, relief). Looking at each type of strategy, it may be said that from 1989 to 1994, the percentage of households implementing active strategies did not change, the group of households putting an effort into the ‘cultivation of the family budget equilibrium’ increased, and the group of households adopting the ‘lemmings’ strategy’ grew decidedly.     

Sources of information and portfolio allocation

This research investigates the relationship between how a household receives financial information and the degree to which investment portfolios are diversified. Diversification is measured as allocation across asset classes and share of assets held in each asset class. Propensity score-based techniques incorporating stratification and weighting are employed to better isolate causal links, while also controlling for objective and subjective financial literacy and overconfidence. Results indicate that the use of financial planners and brokers is associated with an increase in asset class diversification. Households that consult with financial planners and bankers allocate their wealth systematically different from those who do not. These results highlight the role that financial professionals play in helping households make investment decisions.     

Household Structure and Living Conditions in Nigeria

Data on 7,632 households from the 1999 Nigeria Demographic and Health Survey are used to examine household structure and living conditions in Nigeria. The study finds significant disadvantage in living conditions of single‐adult, female‐ and single‐adult, male‐headed households relative to two‐parent households. Extended households show no significant advantage in living conditions over two‐parent households if headed by women but are consistently advantaged if headed by men. Although extended households do not entirely wipe out the disadvantage of female headship on household living conditions, they show a significant mitigating potential. Efforts to understand and alleviate poverty in Nigeria may need to address simultaneously gender imbalances in access to livelihood opportunities and factors that foster nucleation of family structure into single‐adult households.     

The Family and Work in the Post-socialist Transition of Serbia: 1991–2006

For a long period of time, the family and the household have not been considered agents in the economic sphere. However, in contemporary theoretical and research practice we are witnessing a rehabilitation of this aspect of family activity. The importance of the broader social and economic impact of this activity of families and households is legitimated through the concepts of social capital and household strategies in the labor sphere. This paper presents the results of three successive representative empirical studies of households in Serbia between 1991 and 2006. The main goal of these studies was to observe the problems households and families are facing in the transition process. The specific profile of Serbia's transition path, determined by numerous societal disturbances, is emphasized. The relation between the work sphere and the family sphere is viewed through five forms of the working status and activities of household members. Research results show a remarkable proliferation of informal work activities, which enable the survival of households in the circumstances of high unemployment and low wages in the formal labor sector.     

House-lot gardens in Santarém,Pará, Brazil: Linking rural with urban

The division between rural and urban sectors of the landscape in many parts of the world is increasingly blurred. House-lot or homegardens offer a perspective on understanding rural-urban linkages since they are frequently a landscape feature in both settings and the exchanges of their products link the two. House-lot gardens are an under-researched component of the agricultural repertoires of smallholders in many parts of the world. Urban house-lot gardens in particular, have until recently not received much attention despite their critical importance to urban livelihoods. This paper presents findings from research on house-lot gardens in rural and urban zones of Santarém, Pará, Brazil, one of Amazonia's largest municipalities. The research demonstrates that garden products are important for household subsistence, but even more importantly product exchanges between rural and urban kin households help sustain critical social networks that subsidize urban life. Gardens are a link between urban and rural settings as products, germplasm, and household members move between the two. People are urban and rural at the same time which demonstrates that households can be multi-local.