Psychological, social and economic determinants of saving: comparing recurrent and total savings

Saving is of interest to psychologists and economists because of its importance to both the individual and the economy. Economic theories have traditionally acknowledged psychological factors in saving such as self-control, fear of economic uncertainty and pessimism about the economy. Katona (1975) has been particularly influential in suggesting that people's beliefs about the economy mediate their saving. However, subsequent attempts to predict savings using economic and psychological variables have met with limited success. The present study used a wide range of economic, demographic and psychological variables to distinguish between savers and non-savers and to predict recurrent saving and total savings. Two hundred and seventy-nine people completed in-depth surveys of their economic conditions, their social background and a variety of psychological predictors. Discriminant function analysis was used to discriminate between savers and non-savers. A variety of psychological factors discriminated those who save regularly from those who do not. Using multiple regression analysis, both recurrent and total saving were predicted by economic variables, recurrent saving was predicted also by psychological variables and total savings by demographic variables. Implications for the role of psychological factors in saving are discussed.     

Family health care decision making

How do families choose a health plan when offered the option of insurance or a Health Maintenance Organization (HMO)? Choices are influenced by health consumerism, decision variables, family health needs, family composition, family socioeconomic status, and knowledge about HMOs. Subjects in the research reported here chose insurance or one of four HMOs; control subjects had no HMOs available. The model is estimated with LOGIT regression, yielding a pseudoR ² of.22 for the adjusted model. Participation in the decision process, number of chronic illnesses, and knowledge about HMOs all are significantly and positively associated with choosing an HMO; also, young adults are more likely than older adults to choose HMOs. The consumerism variable fails to attain significance. LOGIT analysis of the adjusted model indicates that the model predicted 72% of plan choices correctly. Suggested research for other family forms, for the poor, and for the elderly's health plan choices are discussed.     

Predicting children's savings: The role of parents' savings for transferring financial advantage and opportunities for financial inclusion

Parents transfer many forms of advantage to children based on their financial resources. Of interest is whether parents transfer educational and financial advantages and whether this occurs early in life. This paper examines financial advantage by asking whether children's own savings—apart from that of their parents—can be predicted by a separate measure of parents' savings for their child. This study predicts children's basic and college savings at ages 12 to 15 with separate samples from low-to-moderate- (LMI; N = 333) and high-income (HI; N = 411) households using Panel Study of Income Dynamics and Child Development Supplement data. Propensity score weighting and logistic regression results find that parents' savings for their child is significant in both household types. Given this, policies that aim to include children in savings may help reduce transfers of financial advantage and, ultimately, educational advantage.     

The Impact of a Substance Abuse Disorder on the Well-Being of Family Caregivers of Adults With Mental Illness

ABSTRACT

The impact that substance use has on an individual with mental illness has been documented; however, little is known about the impact that this may have for a family caregiver. Data was collected in a cross sectional study using mailed questionnaires to a convenience sample of family members of persons with mental illness (n = 110). Hierarchical linear regression analysis was used to determine the impact of substance use status upon four measures of well-being within a stress-coping model. The variables within the model were able to account for a significant proportion of the variance in each of the measures: perceptions of burden, depression, anxiety and physical health status (R² = .419 to .202). However, substance use status was not a significant predictor in any of these equations. Symptomatology and a measure of specific social support were the most significant predictors of burden (β = .345, p < .001 and β = .330, p < .001). Perceptions of caregiver burden were found to be the most significant predictor in each of the other three analyses (β = .515, p < .000; β = .511, p < .000; β = ? .571, p < .000). Results of this study suggest that substance use may not be as important as the other predictors included in the model in determining the well-being of family caregivers.     

Conditional Fatherhood: Identity Theory and Parental Investment Theory as Alternative Sources of Explanation of Fathering

Two alternative theoretical models of parenting, identity theory and parental investment theory, are investigated as sources of explanation of men's fathering attitudes and behaviors. Four dimensions of fathering are explored: responsivity, harshness, behavioral engagement, and affective involvement. Concepts from identity theory operationalized as predictors include father role salience, role satisfaction, and reflected appraisals. From parental investment theory, concepts included investment maximization, contingent commitment, and paternity certitude. Using telephone survey data drawn from a community‐based probability sample of 208 fathers, each of the four individual indicators of fathering and a composite fathering measure were regressed against the theoretical predictors in hierarchical regression analyses. Both theoretical models were significant, with identity theory predictors accounting for a greater proportion of variance than the parental investment theory predictors. This study underlines the importance of social psychological variables to understanding variations in men's commitments to children.     

An Empirical Analysis of Microcredit Repayment in Southwestern Nigeria

Abstract

This paper provides empirical analysis of microcredit repayment in Southwestern Nigeria. Multistage stratified random sampling procedure was used to collect data from 200 members of microfinance institutions (MFIs) in the study area. Linear multiple regression was used to determine the variables that affected microcredit repayment.

The mean weekly contribution of the members of microfinance nongovernmental organizations (NGOs) in groups was N = 772.62 and the mean borrowing was N = 23, 55.25 per annum. On the average, they pay 90 percent of their microcredit as at when due. The Fvalues indicated that the microcredit repayment model had good fit (p = 0.01) with an adjusted R² of f.36. The variables that significantly influence repayment: income, distance between dwelling place and bank, amount of business investment, socio-cultural expenses, amount of loan borrowed, access to business information, penalty for lateness to group meetings, membership of cooperative society, number of days between loan application and disbursement and poverty indicator were analyzed.

Poverty was found to hamper repayment. Nevertheless, the study supports findings that members of microfinance groups are creditworthy.     

Emergency Saving and Household Hardship

Households with limited income and wealth often struggle to access the financial liquidity needed to address unexpected expenses or income drops. Emergency savings can act as form of insurance against such economic shocks and reduce the risk of hardships that influence family wellbeing. Prior research has established that threshold amounts of liquid assets can reduce the risk of economic hardship. This study used a measure of self-reported emergency saving behavior to examine whether households who reported saving for emergencies were less likely to experience subsequent economic hardships in a longitudinal sample of households in disadvantaged neighborhoods from the Annie E. Casey Foundation’s Making Connections project. Results across a range of regression models suggest that households who saved for emergencies experienced slightly less overall hardship and were less likely to report several specific hardships, such as food insecurity and having a phone disconnected, three years later. This study supports the idea that small, unrestricted savings may play a protective role for low-income households.     

Determinants of approval of the work of truth commissions in the southern cone: a comparative study / Determinantes de la aprobación del trabajo realizado por las Comisiones de Verdad y Reconciliación en el cono sur: un estudio comparativo

The socio-demographic and psychosocial approval determinants of the work conducted by the truth and reconciliation commissions (TRC) are analysed based on original survey data from Chilean, Argentinian and Peruvian samples (N = 2,947). A linear multiple regression analysis was carried out (R² between .28 and .44; f² between .45 and .78) which reveals the positive effect of commission functions perceived achievement, mainly the knowledge of truth (β = .28), justice (β = .15) and the contribution in creating a common history (β = .15). An analysis by country reveals in Chile salient variables such as institutional trust, political ideas, institutional apologies and hope and sadness emotions. In Argentina, together with TRC functions, the degree of information about the work of the commission and the perception of a negative social climate appear as relevant predictors. As regards Peru, the degree of exposure to violence appears as a good predictor of TRC’s work support. The results show the relevance of TRC functions’ fulfillment, as well as the role of institutional variables in the approval of the work they have done.     

Behavioral adjustment of Chinese adoptees: The role of pre-adoption experiences

PurposeIn the current study we examined associations between children's pre-adoption experiences (type of pre-adoption care and early deprivation) and their adaptive and maladaptive behavioral adjustment. Associations with prosocial behavior, attention problems, internalizing and externalizing behavioral problems were investigated.MethodsParental ratings of pre-adoption experiences and behavioral adjustment of 891 adopted Chinese girls aged between 4 and 12 year were obtained. The children were adopted from institutional care (n = 595), foster care (n = 66) or a combination of institutional and foster care (n = 228). Prosocial behavior was assessed using the Strengths and Difficulties Questionnaire (SDQ). Attention problems, internalizing and externalizing behavioral problems were assessed using the Child Behavior Checklist for ages 4–18 (CBCL). In addition to the main effects of pre-adoption experiences, we tested interaction effects between pre-adoption experiences and age at adoption, controlling for several family and child background variables.ResultsHierarchical regression analyses revealed that type of pre-adoption care was not associated with behavioral adjustment. Early deprivation, on the other hand, was negatively associated with prosocial behavior, and positively associated with attention problems, internalizing and externalizing problems. Interaction analyses revealed no significant associations.ConclusionsThe results showed that pre-adoption deprivation increased the risk for less optimal behavioral adjustment. The effects however were small, leaving room for other explaining factors both in the pre- and post-adoption environment of the child.     

The influence of small urban parks characteristics on bird diversity: A case study of Petaling Jaya,Malaysia

The capacity of small urban park to serve as urban habitats are rarely explored. This study analyses the characteristics of small urban parks and their potential to support urban biodiversity and ecological functions. Nine small urban parks were studied in Malaysia in August and September 2014 using the combined field survey method of structured observation and field measurements. The measured variables were divided into three broad categories of physical characteristics, species richness and human factors. Bird species richness and abundance were used as the indicators for assessing biodiversity. Pearson correlations and multiple regressions were conducted to analyse the relationships between variables and to identify which variables had a significant effect on bird species richness and abundance. The results demonstrated that park area and vegetation variables ( e.g. the percentage of tree canopy cover, open grass/ground, native-exotic plants) are the important predictors of bird species richness and abundance. The percentage of canopy covers (negative relation) and park area (positive relation) are the best predictors of bird species richness in small urban parks. Meanwhile, the best predictors for bird abundance are the percentage of canopy covers (negative relation) and native vegetation species (positive relation). Human activities and park surroundings have a marginal effect on the presence of bird species in small parks. Based on the findings, we provide two general recommendations that could probably increase bird diversity in small urban parks: (1) the park development and management plan should incorporate a social-ecological approach that can benefit both city-dwellers and bird species, and (2) findings from the study should be used to rethink the planting design and composition of especially newly established small urban parks.     

Is Sexual Abuse a Unique Predictor of Sexual Risk Behaviors,Pregnancy, and Motherhood in Adolescence?

This study tested sexual abuse as a unique predictor of subsequent adolescent sexual behaviors, pregnancy, and motherhood when in company with other types of maltreatment (physical abuse, neglect) and alternative behavioral, family, and contextual risk factors in a prospective, longitudinal study of maltreated (n = 275) and comparison (n = 239) nulliparous females aged 14–19 years old assessed annually through 19 years old. Hierarchical regression was used to disentangle risk factors that account for the associations of maltreatment type on risky sexual behaviors at 19 years old, adolescent pregnancy, and adolescent motherhood. Findings indicate that sexual and physical abuse remain significant predictors of risky sexual behaviors, and that sexual abuse remains a significant predictor of adolescent motherhood when alternative explanatory variables are controlled.     

Predictors of Nursing Home Admission: A Social Work Perspective

Abstract

Institutionalisation of geriatric patients is a growing trend in ageing societies, such as Singapore. Earlier studies focused on the sociodemographic profile and attributes of nursing home residents and applications, but neglected to address the predictors of nursing home admission from a social work perspective. The present retrospective study identifies independent risk factors that predispose a patient to a nursing home discharge from a general rehabilitation ward in a community hospital in Singapore, with a multidisciplinary emphasis on clinical intervention. Factor analysis results reinforced findings that functional impairment and dementia are consistent predictors of nursing home admission. Multivariate logistic regression analysis showed that positive predictors of nursing home admission include older age, length of hospital stay, low socioeconomic status, dementia, and functional disability. Social work interventions include early referrals to the medical social worker, so that options for social and family support can be explored prior to deciding to place patients in a nursing home. Other interventions include suitable family therapy and counselling for patients and their families.     

Who cares about the environment?

ABSTRACT

Environmental behavior substantially differs among individuals depending on their environmental attitudes, connectivity to nature beliefs, and socioeconomic profile. People who adopt an eco-friendly lifestyle and those who are unconcerned about environmental protection represent population segments with diverse characteristics. Consequently, this study aims to identify homogeneous groups based on individuals’ environmental behavior. A total of 400 Greek citizens completed a self-report questionnaire. We used behavioral items adopted from previous studies to measure environmental behavior and background variables to assess the socio-demographic profile of the respondents. Additionally, we used the well-established measures of Connectedness to Nature Scale (CNS) and New Ecological Paradigm Scale (NEP) to measure people's relatedness with nature and their ecological beliefs separately. Multivariate Cluster Analysis results indicated that participants can be grouped into two broad segments, named moderate eco-friends and non-environmentalists. Individual differences between the clusters were detected with respect to gender, education, connectedness to nature and ecological worldview.     

Publication Trends in The Analysis of Verbal Behavior: 1999–2008

The Analysis of Verbal Behavior (TAVB) publishes experimental and theoretical papers relevant to a behavioral analysis of language. Normand, Fossa, and Poling (2000) reviewed the published studies in TAVB across several dimensions and found that despite the growth of the journal, most articles published in TAVB from 1982 to 1998 were nonexperimental. The current study extends this review by analyzing articles published in TAVB from 1999 through 2008. Results showed that 48% of the articles published between 1999 and 2008 were experimental (65% in the last 4 years), 93% of them used within-subject experimental designs, and most of them (54%) included children with developmental disabilities. This suggests an increased interest in the experimental analysis of verbal behavior with a focus on teaching language to individuals with disabilities.     

Externalizing problems in young foster children: Prevalence rates,predictors and service use

Objective

Examining the prevalence of externalizing problems, their predictors and mental health service use for these problems by foster children and foster parents in a representative group of foster children aged 3 to 12 in Flanders.

Method

Survey data were collected on 212 foster children, who had been in the foster family for approximately four months. Foster parents filled out a Child Behavior Checklist to measure foster children's externalizing problems. Foster care workers reported on several potential risk variables for externalizing problems and on foster children's and foster parent's mental health service use. Predictors of externalizing problems were identified from a large number of variables using the method of purposeful selection of variables in linear regression.

Results

40.6% of the foster children had externalizing problems. Foster children who were placed because of behavioral problems had more externalizing problems. Only 20.9% of the foster children with externalizing problems and only 13.9% of their foster parents received professional help.

Conclusions

This study showed that externalizing problems are prevalent in this young foster care population, that it is hard to predict which foster children had externalizing problems, and that foster children and their foster parents rarely receive services for these problems. These findings call for a standard protocol of assessment of foster children's externalizing problems. Moreover, from a preventive viewpoint, guidelines are needed to systematically link young foster children with externalizing problems and their foster parents to appropriate services.     

Serious juvenile offenders who have experienced emerging adulthood: Substance use and recidivism

Using data from the California Youth Authority, this article examines whether or not specific substance use differentially predicts recidivism for individual offense-type among a group of serious juvenile offenders who have experienced emerging adulthood. The results of the logistic regression analysis indicate that users of specific substances have a higher overall likelihood of receipt of a subsequent arrest for different offense-types when compared to other substances. Specifically, among the 524 serious juvenile offenders analyzed, one demographic, one social bond, and two substance use measures were significant indicators of an offender being arrested during the seven-year follow-up period. The social bond measure of full-time employment and substance use measure of using mind-altering drugs were significant indicators of receipt of an arrest for a non-violent offense, while being non-white and reported use of uppers/downers were significant predictors of arrest(s) for violent and both non-violent and violent offenses. Policy implications, limitations, and directions for future research are discussed.     

Predicting engagement in a transition to parenthood program for couples

Fostering participant engagement is a challenging but essential component of effective prevention programs. To better understand which factors influence engagement, this study examines several predictors of couple engagement in Family Foundations (FF), a preventive intervention for first-time parents shown to enhance parent mental health, couple relations, parenting quality, and child adjustment through age 3 years. FF consists of a series of classes delivered through childbirth education departments at local hospitals. Baseline data on socio-demographics, parent mental health, and couple relationship quality were examined as predictors of participants’ level of engagement in FF (n = 89 couples, 178 individuals). Sociodemographic variables such as parent gender, socioeconomic status, and age predicted program engagement to a limited extent. However, findings indicated that marital status was the best predictor of engagement. Discussion focuses on how findings can inform the development of practices that promote engagement, such as the use of targeted outreach efforts for individuals most at risk of disengagement.     

Demographics, attitude, personality and credit card features correlate with credit card debt: A view from China

With the help of a commercial bank in China, we studied consumer credit card debt behavior² in correlation with demographics, attitude, personality, and credit card features factors. The study was conducted by using mail-in questionnaires, which were sent to credit card holders who was using or had used either revolving credit or petty installment plans. According to regression functions, we found that demographic variables and credit card features had limited explanatory power compared to attitude variables and personality variables. Specifically, we found that revolving credit use and petty installment use were closely related to attitudes about credit cards, money and debt. Risk attitude efficiently predicted petty installment use; however, it did not correlate with revolving credit use. Personality factors of self-control, self-esteem, self-efficacy, deferring gratification, internal locus of control and impulsiveness were significantly correlated with revolving credit use; on the other hand, sensation seeking, impulsiveness, and deferring gratification were correlated with petty installment use. We also found that some credit card features easily led to an “illusion of income” that facilitated consumer credit card debt behavior.     

The Extraction of Nonverbal Behaviors: Using Video Images and Speech-Signal Analysis in Dyadic Conversation

This study examined the validity and possible utility of a new procedure for the extraction of nonverbal behaviors from dyadic conversation. Three methods were used to extract nonverbal behaviors (i.e., hand gestures, adaptors, and utterances). A novel automated method employing video images and speech-signal analysis software programs was compared to the more traditional coding and behavioral rating methods. The automated and coding methods provided an objective count of how many times a target behavior occurred, while behavioral ratings were based on more subjective impressions. Although there was no difference between the automated and coding methods for hand gestures, the coding method using an event recorder yielded marginally significantly more instances of adaptors and utterances as compared to the software programs. Measures of each nonverbal behavior were positively correlated across the different methods. In addition, interpersonal impressions of each speaker were rated by both observers and conversational partners. Although R ² was lower than for the coding/behavioral rating methods, nonverbal behaviors extracted using the software programs significantly predicted familiarity and activeness ratings from both observer and partner points of view. These results support the validity and possible utility of the software-based automated extraction procedure.