Students and the Consumer Credit Market: Towards a Social Policy Agenda

The rise in access to complex consumer credit arrangements has taken place against a backdrop of a call for increased individual responsibility. Consumers are required to behave in a way which recognizes both their rights and responsibilities. But how much responsibility should they be expected to shoulder in critical areas of complex choice? Students represent a particular group of novice, sometimes vulnerable and often targeted consumers, who may display limited financial capability and responsibility. In addition to arguments for a more nuanced understanding of individual responsibility in different environments, the role of commercial agents and their marketing practices, which can have major implications for social policy, should also be considered. From the perspective of both students and relevant agencies and organizations, this article examines the nature, role and limitations of individual responsibility in managing credit and debt. While the social and economic system confers rights on lenders, their responsibility in marketing remains limited. It is argued that a framework for more responsible marketing of credit is a critical element of social policy acting as a bridge between individual responsibility and regulation. Qualitative research is used to illustrate the argument for marketing's social responsibility from the point of view of students entering credit arrangements to meet short‐term needs but with long‐term implications.     

The ‘compliant’, the ‘pacified’ and the ‘rebel’: experiences with Swiss disability insurance

Switzerland’s social policies in the field of disability have been significantly reshaped over the last two decades by reducing the number of allowances awarded and by increasing the recourse to vocational rehabilitation measures. What stances do individuals who experience the implementation of these policies adopt? What kind of tests are they subjected to? How can we explain the posture they adopt – be it ‘compliant’, ‘pacified’ or ‘rebellious’ – when facing the (re)assignations of their identity and professional status? Drawing on interviews conducted with individuals who have recently been involved in programmes set up by Swiss disability insurance, we highlight their uncertainties and concerns relating to their place in society, as well as their reactions to disability insurance’s interventions.     

Subtypes of French Pathological Gamblers: Comparison of Sensation Seeking,Alexithymia and Depression Scores

Recent data suggest the importance of identifying subtypes of pathological gamblers. This research studies sensation seeking, alexithymia and depression among a general population of French gamblers who play different types of game. Those games include games available in cafés (two cafés located in Paris suburb) like lottery, scratch-cards, etc., horse betting at the racetrack (five racetracks closest to Paris), slot machines and traditional games (roulette and card games) at the casino of Enghien-les-Bains (casino nearest to Paris). Sensation seeking was measured with the SSS form V, alexithymia with the TAS-20, and depression with the BDI-13. Pathological racetrack gamblers (42 males; mean age 29.1 years), who play active games involving skills, have the highest sensation seeking scores and are the most prone to alexithymia. Pathological gamblers playing the slot machines (12 males; 15 females; mean age 35.7 years) and games available in cafés (57 males; mean age 32.6 years), thus playing passive games that involve chance only, have low sensation seeking scores. Slot machines gamblers display alexithymia and have the highest depression scores. Pathological gamblers playing traditional games (15 males; mean age 37.8 years), games that involve strategy, do not perform well on any of these scales. These findings are consistent with the idea that clinically distinct subgroups of pathological gamblers can be identified. People displaying typical features could be attracted by specific games.     

Localized globalization: A multi‐local,multivariate investigation of quotative be like1

We conduct a multi‐local, multivariate analysis of be like in comparable datasets from three discontinuous geographic settings (the U.S.A., England, and New Zealand). Previously, comparative cross‐variety analysis of this form has been fundamentally hampered by key methodological differences. A methodologically coherent analysis reveals that the ‘classic factors’ ( Tagliamonte and D’Arcy 2007 : 203) grammatical person and content of the quote, as well as the effect of mimesis, are transferred to the receptor variety, albeit with varying degrees of completeness. Other conditioning factors are particularized to the local system into which be like is adopted, which leads us to define its spread as a case of weak transfer. We suggest that there are at least two explanations for this finding: (1) global innovations must be considered in light of the local systems into which they are adopted; and (2) the form and amount of contact must be correlated with respect to the knowledge transfer they allow.     

Un plafond à caissons : les femmes à l’EHESS

The feminization of employment at the École des hautes études en sciences sociales (EHESS) in Paris has fallen off after an early start and it remains low. This is not to be set down so much to the formally discriminating nature of the recruitment examination (concours) as to competition, the accumulation of social capital and the methods for producing job applications. The initial feminization owed much to long inhouse careers, as women were recruited without sitting for an examination but into subordinate positions from which they could move upwards. This trend came to a halt as this channel of recruitment was shut down and a more elitist, relational and competitive one was opened that leads fewer women to enter job applications. The situation is not a stalemate however. A group of women professors has managed to place the gender question on the agenda and this seems to have given a (weak) boost to feminization.