Women,Health and Housing Assistance: Implications in an Emerging Era of Housing Provision

Women and the households that they head are over‐represented among the most economically and socially disadvantaged households in Australia. Recent changes in the provision of housing assistance for low income households in Australia have distinct implications for women and this paper examines the implications of these changes. Shifting the emphasis in housing assistance away from publicly provided and rent‐controlled housing to direct subsidisation of rents for private tenants has important, largely negative, consequences for the health, affordability and security of housing for many women. This situation is made worse given the current housing affordability crisis in Australia; a crisis that extends across all private housing tenures.     

Housing of Seniors in the Czech Republic: Challenges for Social Services

The article focuses on the housing market, the behavior and motivations of senior households to move or to stay in place. Knowing if and why seniors decide to move at retirement is a critical factor for the establishment of social service policies in terms of their structure, location, and provision.

This study uses secondary data based on information about Czech households collected by the Czech Statistical Office (CSO). The data are annually collected via sample surveys of the income and living conditions of households (EU-SILC). The sample covers more than eight thousands of households. Analyzed data cover the period 2007–2012 when the abolishment of rent regulation in the Czech Republic took place. It is hypothesized that an impact like this might increase the willingness to move and reveal the factors which underlie the decisions of particular households.

The results indicated that most Czech households that decided to move during the study period were driven by the increased financial burden of housing. Other factors, including the availability of social services and public utilities within the current location, played only minor roles. It seems that Czech senior households act in a very pragmatic and rational manner when deciding whether to stay in place or move, with the majority of households preferring not to move. Social policies should, therefore, concentrate on providing services for the current locations rather than on the construction of new social housing.     

Renting in New Zealand: perspectives from tenant advocates

Currently, around a third of New Zealand’s households, and half its population live in rental accommodation. The proportion of tenant households is growing. Tenant advocates, who are a first port of call for tenants experiencing difficulties in their housing situation, can provide unique insight into the experience of renting in New Zealand. This article presents key themes generated from semi-structured interviews with tenant advocates. Tenants are confronted with issues of poor housing quality, insecure housing, high rents relative to income, lack of autonomy, and difficulty asserting their legislative rights. These aspects of renting in New Zealand are likely to have adverse effects on health. Tenant advocates play an important role in supporting tenants to better housing. Their knowledge of the relationship between a landlord and tenant, particularly in times of trouble, means they can provide unique perspectives on policy solutions.     

Tenure Differences in Income and Housing Benefit in Later Life

The first half of this article examines the distribution of income among older people in different housing tenures using secondary analysis of the 1988 Family Expenditure Survey (FES). The use of the term “older household” refers to those where the head of household is aged 55 and over. Income has been adjusted in order to take account of the size and composition of elderly households. The second half of the article examines the effects on the distribution of income when the definition of income is widened to include housing benefit. In 1988 the average weekly income of older households who were owner occupiers was twice that of older households who were renters. While the addition of housing benefit to the definition of income has only a marginal effect in reducing income inequality among all older households it had a more significant impact in reducing income inequalities among older renters more of whom, in comparison to older owner occupiers, were located in the lower income groups.     

A perfect storm: Challenges encountered by family caregivers of persons with Alzheimer’s disease during natural disasters

ABSTRACT

Since Hurricane Katrina there has been a movement across the U.S. to examine best practice for disaster response within the aging population. However, little is known about the experience of natural disasters from the perspective of family caregivers of persons with Alzheimer’s disease and related dementia (ADRD). In this exploratory, qualitative study, family caregivers (n=27) were interviewed about their experience with the historic 2015 South Carolina flood. By using thematic analysis, themes were identified to better understand what unique challenges caregivers of person with ADRD experienced. While many caregivers stated they had experienced a natural disaster previously, none had ever done so in their current caregiving role. The caregiving role affected their ability to prepare for the storm and influenced their decision-making regarding evacuation and utilization of recovery resources. Thus, caregivers were confronted by a “perfect storm” of circumstances and uncertainty. Family caregivers need to have actionable emergency plans for disasters that are specific to their role as caregivers of persons with ADRD. Study implications also suggest the role social work professionals can have in educating, advocating, evaluating, and coordinating support to assist caregivers of persons with ADRD as a potentially vulnerable and at-risk population during all phases of disaster.     

Disaster preparedness among households in the Badakhshan Province in Afghanistan: A baseline evaluation study

This paper presents a critical analysis of the level of disaster preparedness among households in the Badakhshan Province in Afghanistan. Based on an analysis of baseline data collected as part of a project aimed at strengthening the disaster response in this province, this paper emphasizes the complexities of disaster preparedness among Afghan households, including a critical gap in knowledge, a lack of resources, and limitations in existing community responses to disasters. The findings reveal that less economic security, less knowledge of emergencies and emergency plans, being a female head of household, and having prior disaster experience tended to predict lower levels of preparedness among households. Disaster‐preparedness interventions targeted at improving the knowledge of hazards and hazard plans, as well as enhancing the livelihood and income security of affected households, could minimize the negative impact of disasters. Because most households relied on social networks and indigenous preparedness measures, future research should examine the nature of such measures and their effectiveness in mitigating the impact of disasters on this population.     

Rules rather than discretion: Lessons from Hurricane Katrina

This paper explores options for programs to be put in place prior to a disaster to avoid large and often poorly-managed expenditures following a catastrophe and to provide appropriate protection against the risk of those large losses which do occur. The lack of interest in insurance protection and mitigation by property owners and by public sector agencies prior to a disaster often creates major problems following a catastrophic event for victims and the government. Property owners who suffer severe damage may not have the financial resources easily at hand to rebuild their property and hence will demand relief. The government is then likely to respond with costly but poorly targeted disaster assistance. To avoid these large and often uneven ex post expenditures, we consider the option of mandatory comprehensive private disaster insurance with risk-based rates. It may be more efficient to have an ex ante public program to ensure coverage of catastrophic losses and to subsidize low income residents who cannot afford coverage rather than the current largely ex post public disaster relief program.     

Do people respond to low probability risks? Evidence from tornado risk and manufactured homes

Whether people perceive and respond to low-probability natural hazards is a research question of considerable policy relevance. We obtain evidence by considering the response of housing choice to tornado risk for manufactured homes. The vulnerability of manufactured housing, combined with its growing share of the U.S. housing market, has led to proposed mandates for community shelters in mobile home parks. Expected utility theory, however, predicts that households should account for tornado risk in their housing choice. We test for an effect of tornado risk on manufactured housing demand using cross-sectional state data, as well as counties in three tornado prone states. We find that people do respond to tornado risk; our estimates indicate that each expected annual state tornado death per million residents reduces demand for manufactured homes by about 3%. The estimated quantity effect is consistent with the market studies of the price elasticity of manufactured homes.     

What has happened to Australia's public housing? Thirty years of policy and outcomes, 1981 to 2011

This paper uses the release of the 2011 Australian Bureau of Statistics (ABS) census results and other recent and historical data sets to explore how Australian public housing has changed over the period 1981–2011. It summarises the contextual factors that have influenced housing provision and consumption in Australia over the past thirty years. The overall supply trends by tenure for Australia and each capital city are set out, followed by analysis of the demographics of public housing tenants, including age, household type, income, mobility, and workforce participation. Issues identified in the paper include insufficient stock and increasingly targeted households, representing a social and financial problem for housing agencies. The current stock is ill‐adapted to tenants' needs; if housing agencies re‐profile the housing to meet such needs, then they risk creating inflexible stock. The paper concludes with reflection on the future of public housing in Australia.     

Economic Survival Strategies and Food Insecurity

Abstract

This article reports on a study of 67 Hurricane Katrina survivors who were evacuated to one Texas community. The authors examine the economic survival strategies employed by Katrina evacuees to feed their families during the approximately one week time frame beginning the day before the storm and ending when they were ultimately evacuated from New Orleans. An analysis of their strategies and actions provides insight both into the nature of households and sharing networks under the pressure of this disaster and the shortages that ensue when federal and state systems cannot meet basic needs beyond the resources of the local community.     

The impacts of housing factors on deprivation in a world city: The case of Hong Kong

Hong Kong is a typical example of a world city that faces escalating poverty and housing problems. Problems related to housing are crucial in determining deprivation. By means of hierarchical linear regression on a representative survey of Hong Kong residents in 2014, this study examines the impacts of household income and housing factors on the deprivation of residents in Hong Kong. The study indicates that income level has a crucial effect on the deprivation level of households; whereas housing cost per capita, living area per capita, and living quarter problems significantly influence deprivation. A small interacting effect exists between household income and housing factors, which do not influence the independent effects of living area per capita and living quarter problems on deprivation. For the public rental housing residents, only the effect of living quarter problem on deprivation is significant, whereas for private rental housing residents, living area per capita and living quarter problem have a significant effect. Among all the models, housing expense per capita is a significant factor only in model for overcrowded households. The study recommends that improving the maintenance and renovation schemes for public and private housing with poor living environment is a good strategy to improve housing conditions and deprivation. The study suggests that anti‐poverty policies must consider strategies and measures that can improve the housing factors, including housing expenses, living density and living quarter maintenance problems, especially for those residents with high living density, such as those living in bed spaces, cubicles, and subdivided flats.     

Transforming the Local Capacity on Natural Disaster Risk Reduction in Bangladeshi Communities: A Social Work Perspective

Bangladesh has been a severe victim of its various sporadic natural disasters—flood, cyclone and storm surge, flash flood, drought, tornado, riverbank erosion, and landslide. Familial and societal lives and security of people are being seriously disturbed by these natural calamities every year. They also bring deadly damage to the economy and general environment of the country. Natural disasters cannot be pre‐empted at all, but their damage can be mitigated with effective responses. Social work has been a profession notably known for its intervention of people's vulnerability to natural and man‐made disasters. This concept paper discusses relevant intervention strategies and approaches to transform the local capacity of communities on natural disaster risk reduction in light of the social work profession.     

长沙市经济适用住房货币化补贴的实践与思考

长沙出台了一系列安居政策，其中有一项重要的举措就是停止新建经济适用住房，全面实施经济适用住房货币化补贴方式，这是一次重大的变革和尝试。分析长沙实施经济适用住房货币化补贴的背景、具体做法，详细剖析经济适用住房兴建与货币化补贴的利弊，提出实施经济适用住房货币化补贴要注意的几个问题。     

Can the minimum living standard guarantee scheme enable the poor to escape the poverty trap in rural China?

The rural Minimum Living Standard Guarantee (Dibao) Scheme is the most important social assistance programme in rural China. However, how the rural Dibao programme affects household expenditures and whether it can enable the poor to escape the poverty trap are questions that remain largely unexplored. This study used data from the 2012 Rural Household Survey in China to investigate the impact of the rural Dibao programme on household expenditures. We found that the programme significantly improved the well‐being of low‐income households. Particularly, the programme significantly increased household expenditures on housing, education and health; furthermore, the impact was greater for households with educated household heads. However, the programme did not significantly affect household expenditures on food, transportation or farming inputs. The results imply that participation in the rural Dibao programme induces household investment in human capital, which could help to break the inter‐generational transmission of poverty and raise long‐run welfare.     

GAUGING NEW ZEALAND'S SUCCESS AT POVERTY REDUCTION IN THE NEW MILLENIUM

This paper presents the results of the New Zealand Poverty Measurement Project's analysis of the effects of the 1990s social reforms in New Zealand on the incidence and severity of poverty, and assesses the impact of five social and economic policies introduced by the Labour‐led coalition governments since 1999: New Zealand superannuation, income‐related rents on state houses, active labour market policies for an employment‐rich economy, the Primary Health Care Strategy and the planned income support policy to reduce child poverty. Superannuation is assessed as both adequate and sustainable, rents for state houses are found to be affordable, and GDP growth and employment have increased incrementally as unemployment and benefit numbers have decreased. The Primary Health Care Strategy is an innovative initiative that will increase affordable access to general practitioners, but it and the proposed child assistance initiatives are too new to be adequately assessed. Of the challenges that remain, policy priorities should centre on housing alternatives, including home ownership for low‐income households not in state houses; income support for poor households, particularly those with children; and multi‐sector development of education and training aimed at lifting economic and social capacity.     

The importance of housing costs in cross-national comparisons of welfare (state) outcomes

Mainstream comparative research on welfare policy outcomes has focused mainly on the role of government benefits and resulting distributions of income. From the point of view of the economic well-being of households, it is said that this narrow approach has produced results which have exaggerated the difference between continental western Europe and the New World. It has been argued that, to get fair results, comparative studies of welfare outcomes should take into account the differences in housing policies and structures of tenure. The ownership of private houses is more common in the New World nations than in Europe. Home ownership is thought to improve the economic well-being of the typical poverty-prone group, namely older people. This article tests how the cross-national picture of poverty and inequality changes when we approach the economic well-being of households on the basis of disposable incomes after housing costs instead of the traditional, purely income-based approach. The empirical analysis shows that, instead of vast differences in inequality, poverty and, in particular, old-age poverty, the real differences between Australia and Finland are only modest when housing costs are taken into account.     

Does Relationship Lending Still Matter in the Consumer Banking Sector? Evidence from the Automobile Loan Market*

Objective. This article examines the role of relationship lending in the automobile loan market at a community development credit union (CDCU) and at a traditional community bank. Method. Data collected from actual car loan applications are used in a probit analysis to estimate the importance of selected demographic, financial, and loan‐specific variables on the probability of loan approval at the two types of financial institutions. Results. We first show that the community bank relies on credit scoring, not relationship lending. Relationship lending is, however, a critical factor in the loan decision at the CDCU. Low‐income households with strong ties to the CDCU are likely to receive loans, despite poor credit histories. Conclusions. If consolidation, deregulation, and technology move mainstream financial institutions away from relationship lending and toward credit scoring, CDCUs will occupy an increasingly critical niche for low‐income households.     

Endless Pressure: Life on a Low Income in Austere Times

Much has been written that details the decline in living standards following the ‘credit crunch’ in the UK. It remains that we understand to a lesser degree the lived reality of poverty through the Great Recession and into the era of austerity. This article draws on testimonies of 62 participants from low income households conducted in three different areas of the UK during 2012–13 to document the pressures that this period brought to bear on these households. According to these testimonies, the experience of poverty intensified in key respects: first, participants reported feeling, more than ever before, that they were ‘existing, rather than living’ due to the meagre budgets they were forced to live on; second, the precarious nature of work and social security contributed to a sense of insecurity that was all pervasive in our participants' lives; third, due to the pejorative political rhetoric and media coverage of poverty, our participants felt that their lives were placed under increased scrutiny which deleteriously impacted their wider relationships and sense of belonging. Our analysis demonstrates the profound consequences for those living on low incomes of the continued shift to residual forms of state welfare and the increased reliance on the ‘Big Society’ as a means to deal with the pressures identified in this article.     

广西政策性农房保险现状及对策研究——以广西柳州市融水苗族自治县为例

政策性农村住房保险是一种由政府推动,农户自愿参保,财政资金补助,保险公司经营,以农民居住用房为保险对象,按照保险合同约定对倒塌房屋损失予以赔偿的新型保险制度。广西壮族自治区从2011年起,在全区范围内推广政策性农房保险,对灾后农户重建家园、恢复基本生产生活起到了积极的保障作用,取得了应有的成效,但由于推广时间短,还存在一些不足和缺陷,要采取相应的政策和措施,及时的调整和完善。     

中国城市住房分层:基于2010年广州市千户问卷调查(英文)

2010年广州市千户问卷调查数据表明：城市住房分层结构是一个从低到高依次由无产权房阶层、有产权房阶层（福利性产权房阶层、商品性产权房阶层、继承性产权房阶层）和多产权房阶层构成的“三阶五级式”结构;个人的政治资本、人力资本、职业状况及收入水平对人们获得住房资源有显著影响;城市住房分层既反映社会贫富分化又可加剧社会贫富差距。因此,住房保障目标、对象及方式的选择应以住房分层状况为前提。