A NOTE ON THE USE OF SELECTED NONFINANCIAL RATIO VARIABLES TO PREDICT SMALL-BUSINESS LOAN PERFORMANCE*

Small business loan applications have not been evaluated successfully by traditional methods. This paper explores the possibility of using three types of nonfinancial ratio variables (owner, firm, and loan characteristics) to predict whether a small business will pay off or default its loan. The owner and loan variables were better predictors of loan success than the firm variables.     

African-American and white inequality in the nineteenth century American South: a biological comparison

The use of height data to measure living standards is now a well-established method in economic history. By using a new source of nineteenth century Texas state prison records, the present study contrasts the heights of comparable blacks and whites between the Civil War and Reconstruction in the American South. White stature exceeded black stature. Between 1850 and 1870, black stature declined by more than 1 cm but recovered toward the end of the nineteenth century. Postbellum white stature declined by more than 1 1/2 cm over the same period yet never recovered.

The stratification of universities: Structural inequality in Canada and the United States

This paper conceives national systems of higher education as stratified populations of organizations. This stratification is a structural component of ‘horizontal inequality’ in higher education, and may be exacerbated by current pressures for colleges and universities to compete for resources and status. To explore this structural inequality, we compare the level of stratification in financial resources across four-year institutions in Canada and the United States over a 35-year period (1971–2006). Our analyses provide a first-look at this form of stratification, employing Gini coefficients, Lorenz curves, and boxplots. Our results provide new and compelling evidence of increasing structural stratification, even in Canada's predominantly publicly funded postsecondary system. Findings indicate that the distribution of resources is far more stratified in the American system, and that both systems have become more stratified over time. We conclude by situating structural inequality within more general processes of stratification in education.     

A Literature Review of Organizational Behavior Management Interventions in Human Service Settings from 1990 to 2016

We reviewed the Journal of Applied Behavior Analysis (JABA), Journal of Organizational Behavior Management (JOBM), and Behavior Analysis in Practice (BAP) from 1990 to 2016, to identify articles that evaluated organizational behavior management interventions in a human service setting. Of those articles, 75 articles met the inclusion criteria for the review, 44 from JABA (1990 to 2016), 22 from JOBM (1990 to 2016), and 7 from BAP (2008 to 2016). We categorized each selected article by setting, employee population, client population, assessment, dependent variable, independent variable, and outcome measures. Results from the review are discussed for all three journals. Recommendations are made to broaden the scope of population and dependent variable targets, include more assessments, and include outcome data when applicable.     

Scaling Back and Finding Flexibility: Gender Differences in Parents' Strategies to Manage Work–Family Conflict

Studies show that fathers report work–family conflict levels comparable to mothers. The authors examine gender differences in work‐related strategies used to ease such conflicts. The authors also test whether the presence of young children at home shapes parents' use of different strategies. They address these focal questions using panel data from the Canadian Work, Stress, and Health study (N = 306 fathers, 474 mothers). The authors find that mothers with young children are more likely to scale back on work demands when compared with fathers with young children, but mothers and fathers with older children are equally likely to pursue these strategies. Furthermore, women with young children and men with older children are more likely to seek increased schedule control as a result of work–family conflict when compared with their parent counterparts. The authors situate these findings in the vast literature on the consequences of work–family conflict.     

MEASURING CONSUMER EXPENDITURES WITH PAYMENT DIARIES

Payment diaries measure consumer expenditures by tracking authorization of payments by instrument (cash, check, debit or credit card, etc.). Three notable results emerge from comparing the 2012 Diary of Consumer Payment Choice (DCPC) to other estimates of consumer expenditures: (1) DCPC payments are 75% higher than Consumer Expenditure Survey estimates; (2) DCPC consumption estimates are 17% higher than comparable personal consumption expenditure estimates; and (3) DCPC payments roughly equal comparably adjusted National Income and Product Accounts personal disposable income. The DCPC's relative success stems from measuring expenditures aggregated into lumpy payments (“shopping baskets”), relatively low respondent burden, and effective random sampling. (JEL E21, D12, D14)     

One does not simply meme about organizations: Exploring the content creation strategies of user-generated memes on Imgur

This study explores how online publics are engaging with organizations by creating and sharing brand-related content online, outside corporate-controlled communication environments. This research employs a quantitative content analysis of memes shared on the social networking site Imgur to reveal how user-generated content conveys meaning about organizations. The analysis reveals brand-centric memes are generally classified as orphan memes, or memes that have distinct textual and visual characteristics separating them from established or emerging meme families. Memes about organizations are neither an overwhelming reflection of biting criticism or support, but rather a reflection of online public engagement with organizations that primarily use humor and textual brand features (or quiddities) to convey their commitment and satisfaction with the organization and unite meme families.     

Redoing Gender: How Women in the Funeral Industry Use Essentialism for Equality

Although some research considers women's participation in traditionally male‐dominated jobs as an ‘undoing’ of the gender system, other scholars argue that women's participation in non‐traditional roles can actually maintain hegemonic masculinity. Because women have recently entered the funeral industry in unprecedented numbers, the profession offers a unique context to study how women negotiate a sense of belonging in male‐dominated fields. I draw on 22 interviews with women in the funeral industry to reveal how gender is done and undone in an occupational context. In what Hughey ( 2010 . Social Problems, 57, 653–679) refers to as a ‘paradox of participation’, I argue that women in the funeral industry redefine the image of the ideal funeral director by using gender essentialist logic, which originally acted as a barrier to their entry to the field, to justify their participation. By showing how gender essentialism and egalitarianism can constitute reinforcing logics instead of an opposing binary, this research contributes to the literature concerning women in non‐traditional roles.