Over‐indebtedness and microcredit in Cambodia: Moving beyond borrower‐centric frames

Over the past two decades, Cambodia has experienced an unprecedented credit boom, a growth in lending so rapid that the International Monetary Fund (IMF) referred to it as “one of the fastest financial deepening episodes by historical cross‐cultural standards” (IMF, 2016, p. 4). This deepening has been driven by the expansion of microcredit. In tandem, over‐indebtedness has increased among microcredit borrowers, and debt has become a significant political and economic concern. This article explores how over‐indebtedness is understood and explained by stakeholders across microcredit value chains. To do so, we draw on interviews with microfinance institution (MFI) executives, investors, branch managers, partners, financial literacy trainers, loan officers and borrowers in Siem Reap and Phnom Penh. We find that across the sector, dominant framings of over‐indebtedness privilege borrower‐centric explanations, while discounting the structural drivers of excessive lending and borrowing. As a consequence, current efforts to limit over‐indebtedness are unlikely to produce the kinds of solutions that are most needed to reduce the debt stress among borrowers. These arguments have implications across the Global South, particularly for contexts where microfinance is rapidly expanding.     

Concealed Ownership: Americans’ Perceived Comfort Sharing Gun Ownership Status with Others

While much is known about how Americans feel about guns and gun control policy, less is known about how Americans perceive gun owners, or how gun owners and nonowners view themselves. The present study examines how comfortable individuals feel disclosing their gun ownership status with family, friends, coworkers, employers, doctors, teachers, police, and strangers. This article uses stigma theory as a guiding framework. Data were obtained from a nationwide survey conducted in February 2016 of more than 250 current gun owners and more than 250 nonowners. Analyses utilize ordered logistic regression. Findings show that whites, older Americans, and those with more pro-gun attitudes express more comfort sharing whether they own a gun. Respondents also indicate that familiarity with the individual requesting gun ownership information and concern over how that person might react are key factors that affect comfort with disclosure. Implications and directions for future research are discussed.     

Apps4Africa: A new State Department public diplomacy initiative

In 2010 the U.S. State Department funded an “Apps4Africa” contest to encourage development of socially conscious mobile applications for Africa. The initiative marked a significant departure from traditional public diplomacy efforts to expand diplomatic outreach beyond traditional government-to-government relationships. This case study analyses Apps4Africa to reveal its appropriateness as a model for future efforts and concludes Apps4Africa succeeded primarily because it responded to the changing dynamics of the 21st Century.     

Evaluation of an upper extremity student-role functioning scale using item response theory

Millions of workers suffer from upper extremity (musculoskeletal) disorders. Many of these workers are predisposed to upper extremity musculoskeletal disorders because of early exposure to ergonomic risks as students. Computer usage for four or more hours remains the greatest risk for upper extremity musculoskeletal disorders for workers and students alike. Developing preventative methods to reduce student exposure, and thus protect future workers from upper extremity musculoskeletal disorders later in life, requires an appropriate measure for upper extremity musculoskeletal disorder prevalence and related limitations for student functioning. Item response theory analysis was used to evaluate and further develop a upper extremity functioning scale for the student role.     

Comparison of an Online and a Traditional MSSW Program: A 5-Year Study

The purpose of the current study was to compare 5 years of educational outcome data for online and face-to-face MSSW students (N=883) who graduated from University of Tennessee Knoxville College of Social Work. Students’ knowledge (comprehensive exam scores, grade point averages), skills (field evaluation scores), and perception of their graduate social work program were examined. Univariate and multivariate analyses revealed significantly higher knowledge scores for face-to-face, and significantly greater skills ratings for online students. Online students possessed significantly more positive perceptions of faculty and their own preparedness for professional practice. Effect sizes for all findings were extremely small, however, and suggest that differences between online and traditional student outcomes have minor practical relevance related to student achievement. Educational and research implications are discussed.     

Public goods provision by asymmetric agents: experimental evidence

Economic theory predicts that individuals will free-ride, providing sub-optimal Nash equilibrium quantities of public goods. However, 25 years of experimental evidence indicates that individuals’ behavior often differs from the Nash prediction. This experiment examines provision in the context of asymmetric benefits and asymmetric costs of providing a public good with declining marginal benefits and increasing marginal costs. The design eliminates the coordination problem at the individual level inherent in previous declining marginal benefit experiments. Yet, even with the improved theoretical design, over-contribution persists, suggesting that it is a behavioral phenomenon rather than a design artifact. Analysis of individual contributions indicates that subjects’ responses to asymmetry match the theoretical prediction in 3 out of 4 single asymmetry cases. Thus, although over-contribution remains, the theoretical role of asymmetry is confirmed.