THE INFORMATION TECHNOLOGY REVOLUTION AND THE UNSECURED CREDIT MARKET

The information technology (IT) revolution coincided with the transformation of the U.S. unsecured credit market. Households' borrowing increased rapidly and there was an even faster increase in bankruptcy filings. A risk of default model with asymmetric information and costly screening is introduced to study this period. When information costs are high, the design of contracts under private information prevents some households from borrowing with a risk of default. As information costs drop, households borrow more and bankruptcy filings increase. Quantitative exercises suggest that the IT revolution may have played an important role in the transformation of the unsecured credit market. (JEL E43, E44, G33)     

She persisted: the pursuit,persistence, & power of African American women in social work graduate programs at Historically Black Institutions (HBI)

Social work graduate programs have long grappled with ways to attract and retain students at the intersection of race and gender. The central structure of this analysis is a hermeneutic phenomenological qualitative study on the pursuit and persistence of African-American women in graduate Social Work programs at a Historically Black Institution (HBI). The data in this article were derived from the responses of 13 participants written in their own words. The themes that emerged around the pursuit of a social work degree were (a) service to Black communities, (b) resistance to misrecognition, and (c) a seat at the table. After sharing the salient characteristics of the findings, the article opens a discussion around the significance of HBIs in educating social workers to work in urban communities and the implications for policy and practice.     

The Residential Mobility of Seniors Among Different Residential Forms: Analysis of Metropolitan and Rural Issues for Six Contrasted Regions in Québec,Canada

The purpose of this research is to describe and analyze the residential mobility of senior citizens, between 2006 and 2011, among different residential forms in rural and metropolitan areas in the province of Quebec (Canada). A systematic analysis of residential form variability in territories that include both metropolitan and rural areas is performed. First, a typology of residential forms is proposed using a principal component analysis and a hierarchical cluster analysis on environment-related and housing variables. Second, the residential mobility of seniors among these different residential forms is analyzed. The results reveal a certain amount of residential stability among seniors, except where specific conditions are met, such as the death of a spouse or the onset of health problems limiting day-to-day activities. For those who moved, high-rise habitat areas and mixed areas with older rental apartments held the greatest attraction. However, suburban areas attracted the largest number of seniors because these areas account for a sizeable portion of the real estate market.     

Advertising morality: maintaining moral worth in a stigmatized profession

Although a great deal of literature has looked at how individuals respond to stigma, far less has been written about how professional groups address challenges to their self-perception as abiding by clear moral standards. In this paper, we ask how professional group members maintain a positive self-perception in the face of moral stigma. Drawing on pragmatic and cultural sociology, we claim that professional communities hold narratives that link various aspects of the work their members perform with specific understanding of the common good. These narratives allow professionals to maintain a shared view of their work as benefitting society and to perceive themselves as moral individuals. As a case study, we focus on the advertising industry, which has long been stigmatized as complicit in exploitative capitalist mechanisms and cultural degradation. We draw on nine total months of fieldwork and seventy-four interviews across three US advertising agencies. We find that advertising practitioners use narratives to present their work as contributing to the common good, depicting themselves as moral individuals who care about others in the process. We analyze three prevalent narratives: the account-driven narrative, which links moral virtue to caring for clients; the creative-driven narrative, which ties caring to the production of meaningful advertisements; and the strategic-driven narrative, which sees caring in finding meaningful relationships for consumers and brands.     

The role of corporate social responsibility (CSR) and internal CSR communication in predicting employee engagement: Perspectives from the United Arab Emirates (UAE)

This study examined relationships among employees’ perception of CSR, three models of internal CSR communication and employee engagement. The findings, based on 516 valid survey responses from employees across different sectors in the United Arab Emirates, revealed that internal communication of CSR, both one-way and two-way symmetrical, predicted employee perceptions of CSR, with two-way asymmetrical communication being a negative predictor; perceptions of CSR predicted employee engagement; social and sustainable dimensions of CSR most strongly predicted social and affective dimensions of employee engagement; and both two-way symmetrical communication of CSR and employee perceptions of CSR strongly predicted employee engagement. Implications for theory and practice are discussed.     

From Foster Care to Adoption and Guardianship: A Twenty-First Century Challenge

For nearly four decades, child welfare policy and practice have focused on the achievement of legal permanence for children in foster care. Although federal child welfare policy has resulted in the movement of children from state custody to legally permanent adoptive or guardianship families, little is known about the quality and enduring nature of these placements. A significant challenge of the twenty-first century child welfare system is how to ensure the well-being of children currently living with adoptive parents or guardians. This paper discusses child welfare policy and trends related to post-permanency well-being, including the decrease in Title IV-E foster care caseloads nationwide and the simultaneous increase in Title IV-E adoptive and guardianship caseloads. We highlight the needs of a twenty-first century child welfare system, including increased federal efforts to ensure child permanence and well-being after legal adoption or guardianship has been achieved, as well as more rigorous longitudinal and interdisciplinary research focused on the post-permanency adjustment of children and their families.     

Implementing School Based Youth Courts in a Rural Context: The Impact on Students’ Perceptions of School Climate,Individual Functioning,and Interpersonal Relationships

The Youth Court in Schools Project was implemented in two low-income, violent, racially/ethnically diverse rural counties. This study examined if the presence of Youth Court impacted students’ perceptions of school danger, individual functioning, and interpersonal relationships. Data were gathered from 3454 youth; following multiple imputation, data were analyzed using paired samples t tests. Results indicated that perceptions of school danger increased significantly and self-esteem decreased significantly in the control schools pretest to posttest. Violent behavior, anxiety, friend rejection, and bullying victimization decreased significantly in the Youth Court intervention schools pretest to posttest, but did not change significantly in the control schools. Findings provide preliminary evidence that Youth Court is an effective way of improving school climate, individual functioning, and interpersonal relationships.     

Conducting Successful Memory Interviews with Children

Practitioners interview children in a range of settings to assess their wellbeing and to make decisions about their care. These interviews often have a significant memory component. Interviewing children about their past experiences, however, is a challenging task. It requires practitioners to be sensitive to children’s developmental capacities and vulnerabilities, to understand how to facilitate effective retrieval and reporting of information, and to set aside the usual dynamics and expectations of how adults and children communicate. Managing these challenges requires constant evaluation, self-reflection, and professional development. Fortunately, several decades of research into children’s memory and narrative development has provided a robust platform on which to base practice. Here, we provide a framework for devising a general approach to memory interviews with children that is both evidence-based and practical.