Social resistance and the exploited poor in the low-income marketplace: The case of debt collection in two Montreal communities*

Ce texte traite des mesures de résistance courantes chez les consommateurs à faible revenu. Les résultats font croire que les débiteurs se trouvent souvent en conflit ouvert et actif vis-à-vis les représentants des entreprises de consommation. Les regrets, la réserve, l'adaptation - ce ne sont là qu'un certain genre de réaction de la part de quelques-uns. L'évidence recueillie au cours d'interviews avec des membres de regroupements de citoyens et de consommateurs à faible revenu, suggère fortement que des réactions très différentes, telles que le refus de se laisser dominer, le déjouement des plans des grosses compagnies, la contestation, la lutte politique, etc., sont les méthodes courantes de résistance envers les agences de recouvrement. Une typologie de résistance créancière a été développée et les implications plus vastes du malaise social dans les communautés à faible revenu sont analysées.
This paper is concerned with the debt resistance practices of low-income consumers. The findings suggest that debtors are often in active and antagonistic relationships with consumer control agents. Self-blame, withdrawal, and adaptation are some of the responses of the morally defeated. But evidence from citizen's groups and low-income consumers interviewed strongly suggest that refusing, upstaging, outmanoeuvering, subverting, striking back, and political struggle are common methods of resisting debt enforcement. A typology of debt resistance is developed, and the wider implications for social unrest in low-income communities are assessed.     

Social workers in the new human services marketplace: Trends,challenges and responses

This paper examines employment trends in social welfare occupations and challenges to the industrial and cultural recognition of professional social work in the new human services market place. Following examination of the threats posed by market reform and the crisis in public confidence in some domains of human services work, I focus on three key concerns. First, through analysis of Census data from 1996 to 2001, I compare trends in the employment of social workers, welfare workers and community workers. Second, drawing on the work of Nancy Fraser (1997), I argue that the challenges facing social workers can be understood as problems of ‘recognition’. Using this framework, I examine the external contests to the valuing of professional social work and also the internal challenges, that is, threats from within the social work profession to the industrial and cultural recognition of social work. Finally, I will consider how social workers, particularly new graduates, can respond to the challenges facing them in the new human services marketplace. I propose that social workers should claim a position as practice leaders and I outline practical strategies for achieving this goal.     

Social security and social networks among the urban poor in Pakistan

This paper is based on the urban case studies undertaken during a study of social safety nets and social networks and their role in poverty alleviation among low-income communities in Pakistan. A participatory assessment approach was adopted and findings reflect the perceptions of the urban poor themselves, disaggregated on the basis of age, gender and occupation. It was found that official safety net programmes fail to reach the poorest. Instead people rely on informal social networks of exchange and reciprocity during times of economic stress. However, the coping mechanisms of the poor do not always represent sustainable survival strategies. Some customary forms of obligations such as dowry, can constitute an obstacle to social development. Social networks are not always harmonious or undifferentiated, while some can be both oppressive and exploitative. It is argued, therefore, that to understand and build positively on the experience and life chances of the urban poor, the processes which undermine their ability to sustain or improve their circumstances and assure their long-term security must be addressed. It is suggested that the concept of social security provides the basis for a more flexible policy framework for responding to the particular characteristics of urban poverty than one which relies exclusively on the individual or collective coping strategies of the urban poor themselves, topped up with targeted social safety nets which often fail to hit the mark.     

Validation of the Postpartum Social Support Questionnaire in low-income,African American women

ABSTRACT

This study applied a previously developed Postpartum Social Support Questionnaire to low-income, African American women. The 33-question survey was administered to 95 African American women between 4- and 8-weeks postpartum. The survey was readministered 2 weeks later. All women were of low socioeconomic status based on their qualification for public insurance. The questionnaire addresses subscales of partner, parent, in-law, and other friend/relative support. Responses were used to evaluate internal reliability of each subscale, test–retest correlation, and factor loading. Results were compared between women with and without a positive postpartum depression screen. Cronbach's alpha coefficients for each subscale ranged from .90 to .96. Test-retest correlation coefficients ranged from .72 to .87. Exploratory factor analysis with orthogonal varimax rotation was consistent with previously studied samples. Those women with positive postpartum depression screens had significantly lower social support scores (M = 122, SD = 36) than women with negative postpartum depression screens (M = 149, SD = 38), t(79) = ?2.62, p = .01. The Postpartum Social Support Questionnaire is a useful assessment in low-income, African American mothers.     

Social assistance in Austria: regulating the poor as in-between

Not only the concept of social inclusion is widely recognized as an important basis today for making social policy, but it also provides a platform for the policing of the poor. Thinking uncritically about social inclusion prevents us from seeing how it operates to re-inscribe subordination even as we help the poor overcome their marginalization. With an awareness of the paradox of inclusion, it is possible to examine how welfare policy today operates to discipline the poor as people who must accept their plight at the bottom of the socioeconomic order. While formal policy may not make this paradox apparent, the disciplinary effects of an inclusionary social assistance policy are starkly visible when we examine its implementation, where we can see how the excluded become included in ways that perpetuate their subordination. Social assistance recipients obtain a benefit, but the way they are treated does not correspond with full social rights, which is reminiscent of Georg Simmel's discussion of the poor. As exemplified by research at one local social assistance office in Austria, welfare recipients are ultimately neither included nor excluded. Welfare, as administered today, upholds the system of social stratification by perpetuating an ‘in-between’ status for the claimants of social assistance benefits at the frontline.     

Social Security and SSI as safety nets for the elderly poor

Partial privatization of Social Security is being considered as an integral part of the future Social Security program for American retirees. Because privatization creates uncertainty about the amount of retirement income that future retirees may expect to receive, the issue of a safety net is critical. This article presents the findings from an empirical study that investigated the degree to which the current Social Security and Supplemental Security Income (SSI) programs provide a safety net, separately and in combination, to the elderly poor. The major findings were that the Social Security program not only increases the income statuses of both posttransfer and pretransfer poor elderly people considerably, but that the program also significantly equalizes the distribution of income among them. In addition, the SSI program supplements the Social Security program in establishing an even greater safety net, especially for posttransfer poor elderly people. On the other hand, Social Security benefits make the income disparity among races greater between both posttransfer and pretransfer poor elderly people. Implications for policy are discussed.     

Nonprofit competition in the grants marketplace

In this study, we test the impact of nonprofit financial health and financial efficiency ratios on the grant amount awarded by foundations using the Georgia grants marketplace as a case. Using hierarchical linear modeling analysis, we can understand the effects of these ratios both within and across foundation grant portfolios. We found statistically significant evidence that grantees with higher debt ratios and higher fundraising ratios receive lower grant amounts. We did not find statistically significant impacts for administrative ratios, revenue diversification, and surplus margin.     

Potential consequences of raising the Social Security eligibility age on low-income older workers

To examine the potential consequences of raising the Social Security retirement age on future cohorts of low-income elders, this study, based on data from the Health and Retirement Study, 1992-1994, identifies factors that may hinder or facilitate continuous employment among older workers born between 1931 and 1941. Specifically, following the analysis of labor-force participation rates and self-reported reasons for non-work, multivariate logistic regression models tested the relationship between individual strengths and constraints, social-structural opportunities and constraints, and economic need variables and the likelihood of work. The findings show that for both men and women, having disabilities was the most significant predictor of non-work. Racial differences, especially in men's labor-force participation rates, appeared to be due in large part to significant racial differences in disability rates. A higher proportion of blacks and Hispanics than whites also reported that they were unemployed. Based on the findings, raising the Social Security eligibility age is likely to result in increased numbers of Disability Insurance (DI) claimants, and the fiscal impact of such an increase needs to be examined. The need to assist unemployed older persons is also discussed.     

Social support as a mediator of revictimization of low-income African American women

Mediating effects of social support on the link between childhood maltreatment and adult intimate partner violence (IPV) were explored in a sample of 362 low-income, African American women. We examined relations between childhood maltreatment experiences (total maltreatment, sexual abuse, physical abuse, emotional abuse, emotional neglect, and physical neglect) and adult maltreatment (physical IPV and nonphysical IPV). Results of hierarchical multiple regression analyses revealed small, but significant, effects. Further, social support mediated revictimization. Social support fully mediated relations in which the form of childhood maltreatment was different than the form of adult IPV (e.g., the relation between childhood sexual abuse and adult nonphysical IPV), but only partially mediated the relations in which the form of childhood maltreatment was similar to adult IPV (e.g., the relation between childhood emotional abuse and adult nonphysical IPV). Implications for clinical interventions for women with intimate partner violence experiences are discussed.     

Aesthetes in the marketplace: Collectors in the gun business

Marketplaces can provide settings for the appreciation of beauty and the creation of community. The author examines how gun collectors who buy and sell guns continue to see themselves as aesthetes rather than dealers. Gun collector-dealers turn economic encounters at commercial gun shows into occasions for teaching others the symbolic uses of guns — as artifacts, curios, andobjets d'art. Economic relations can produce aesthetic value even when the objects exchanged are conventionally defined as symbols of violence and not beauty.     

Social assistance for poor children in urban China: A qualitative study from the recipients' perspective

In urban China, the recipients' experiences living with social assistance are neglected. This article examines social assistance for poor children in urban China, mainly by interviewing parents and children from urban Dibao households in Tianjin and Chengdu. It finds that the recipients' feelings included gratitude, helplessness, shame and exclusion which reflected limited policy effect on material support and social exclusion prevention. It argues that the recipients are under-served and current social assistance policy for poor children which only includes differentiated aid and education aid is inadequate and should be further improved.     

The relationship between perceived quality and divulgation strategies of products in the electronic marketplace

This article introduces concepts regarding management design, the electronic marketplace and recommendation systems, as well as uses a revised bibliography proposing the relationship between applied management design strategies and recommendation products identified through Cazella and the different types of perceived quality developped by Michalos and Schwartz.     

Organizing the poor

Conclusion Piven and Cloward aimed to be provocative, but they did so by badly overstating their argument. They are too fair-minded to ignore completely the contribution and courage of organizers in these movements. In spite of their thesis, they pay occasional obeisance to movement organizers and exemplars. There were nevertheless organizers in these [labor] struggles, they acknowledge. Some of these organizers were insurgents from the rank and file; others were radicals whose vision of an alternative future helped to account for their exemplary courage. Wherever these organizers came from, their vision helped goad workers into protest, and their courage gave workers heart and determination (148).Nor can they ignore the role of organizational activists in the civil-rights movement. They seek exemption from the implications of this activity by noting that these organizations were not much concerned with building formal membership and were cadre organizations. But the idea of cadre organizations doesn't appear in the index, is introduced in an ad hoc manner to preserve their argument, and is never developed. When Poor People's Movements goes from general thesis to specific case analysis, the argument becomes less provocative but more reasonable. Apparently, it is not every organization that discourages insurgency, aspires to create a mass membership and hierarchical bureaucracy, and is willing to sell its birthright for a mess of elite pottage. Some movement organizations' stimulate anger and defiance, and escalate the momentum of the people's protests. Some use their communication networks to spread disruptive forms of collective action and their organizational planning to chart strategy and timing, and to increase the effectiveness of collective action. Some institutionalize their dependence on their own constituency rather than come to rely on elite resources for survival. If some militant organizations later become tame and abandon their oppositional politics, other formerly docile organizations sometimes become centers of militancy - as the black churches and colleges did in the Southern civil rights movement.The intellectual task becomes the more exacting one of figuring out what types of organization are likely to facilitate insurgency or abandon their oppositional politics under different historical conditions. Poor People's Movements might be interpreted as providing one kind of answer to this question, an argument against mass-membership organizations. This is certainly a much less dramatic and provocative thesis. But in the end, an analysis of the advantages and disadvantages of different forms of organization is a great deal more useful to students of social movements than the anti-organizational phillipic that the authors offer us.

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Investments in young children among low-income families

This article examines low-income parents’ monetary investments in their young children, asking how low-income families are able to afford spending on children. We investigate parental spending on child care and on goods in the home that may provide enrichment for young children. We find little evidence that households make spending trade-offs for either type of good. Instead, our results suggest that low-income households that can afford child care may be poor only temporarily and that they spend primarily when they are unable to avoid doing so because of family work patterns. For enrichment goods, parental education is a stronger predictor of spending.