Loan performance and race

Recent studies find evidence of racial discrimination in mortgage markets. Although these studies explore loan approval rates for whites versus minorities, they do not specifically consider loan performance, either in the form of default rates or loan administration costs. This study considers discrimination in the used car credit market, where the collateral is not subject to location externalities, collateral value and quality do not vary as much as in real estate, and the loan terms are shorter. We find administration costs and default rates are higher for minorities than for whites, controlling for age, income, home ownership, wealth, occupation, loan terms, and geographic location.     

Natives and migrants in the London labour market, 1929–1931

Migrants are sometimes regarded as marginal workers in metropolitan labour markets. London has long been a major destination for migrants from elsewhere in Britain and abroad. In this paper we examine the earnings and unemployment experience in 1929–1931 of male workers who migrated to London, or within London. We use data from the New Survey of London Life and Labour, a large survey of working class households, the records from which have recently been computerised. Our findings indicate that migrants were not marginal, in fact they enjoyed slightly higher earnings and lower unemployment incidence than native Londoners. Much of the advantage can be explained by differences in average skill levels and personal characteristics. Received: 2 November 1999/Accepted: 3 August 2000     

The Missing Baby Bust: The Consequences of the COVID-19 Pandemic for Contraceptive Use,Pregnancy, and Childbirth Among Low-Income Women

Population Research and Policy Review - Multiple episodes in US history demonstrate that birth rates fall in response to recessions. However, the 2020 COVID-19 recession differed from earlier...     

Scalar politics,language ideologies,and the sociolinguistics of globalization among transnational Korean professionals in Hong Kong

This paper argues that the sociolinguistics of globalization is accompanied by a constitutive scalar politics. Based on ten interviews with Korean professionals in Hong Kong, we report that Korean migrants’ use and experience of English is characterized by competing language ideologies we identify as: Pragmatic English/Perfect English, Multilingualism/English Only, and Global Language/Local Language. Tensions within these ideologies were revealed as respondents referenced the contexts of their daily lives as intersecting sets of geographic, temporal, and social scales. We discuss how sociolinguistic relations associated with the transnational lifecourse, hybridizing identity, and racialization were imagined in ways that re‐negotiated these scales to serve the interests of the participants and provide coherence to their communicative practices. Sociolinguistic relations both reference scales and constitute them. We conclude that attending to scales and scalar politics provides a better explanatory framework for the ways the uneven linguistics markets of globalization are negotiated by transnational subjects.     

Segmented Labor Markets in Alabama's Pulp and Paper Industry1

Abstract Alabama's forest products industry plays a dominant role in the state's rural economy. Examination of how access to employment opportunities is distributed provides insight into how the benefits of this industry are distributed. Based on a combination of available secondary data and semi-structured interviews with management and workers in the pulp and paper sector of Alabama's forest products industry, a clear picture of segmented labor markets emerges in which structural and cultural factors determine access to certain jobs. The evolution of these highly segmented labor markets is traced from deep roots in racial discrimination to contemporary efforts in support of affirmative action. Increased use of sub-contracting in logging, hauling, and mill work represents the most recent change affecting the structure of labor markets associated with the production of pulp and paper.     

Sociocultural Versus Neoclassical Ecology: A Contribution to the Problem of Scope in Sociology

This paper attempts to reconcile the sociocultural and neoclassical approaches to human ecology. The sociocultural frame of reference emphasizes individual action. It has proven effective in studying phenomena such as land use within a city, but its effectiveness for studying properties of entire populations has not been demonstrated. The ecological complex is a frame of reference designed to study properties of populations. These two frames of reference are complementary rather than contradictory. The sociocultural approach is a microecological approach and the neoclassical approach is a macroecological approach. One can demonstrate the complementarity of these approaches by moving between the micro and macro levels of analysis.     

Memories of Jack Michael From a Freshman Whose Life He Changed

The Analysis of Verbal Behavior -