From Urban to Rural: Lessons for Microfinance from Argentina

The recent success of microfinance for the urban self‐employed contrasts with decades of failure on the part of public development banks for small farmers. This article describes the ways in which rural microfinance organisations have tried to adapt the lessons of urban microfinance to manage the risks and control the costs of the supply of financial services in rural areas. It then asks whether the lessons of urban microfinance are likely to apply in the poorest rural areas of Argentina. The article concludes that microfinance is unlikely to improve access to small loans and small deposits for many of the rural poor in Argentina; distances are too great, farmers too specialised, and wages too high. Improved access depends not on targeting loans by government decree but on strengthening institutions that support financial markets.     

SMPD Scenarios of Spatial Distribution of Human Population in China

Three scenarios of spatial distribution of human population in China are developed in the years 2010 and 2020, respectively by means of the method of surface modeling of population distribution (SMPD). Each one of the SMPD scenarios is defined as a plausible alternative future under particular assumptions of elevation, water system, net primary productivity (NPP), urbanization, transport infrastructure development, and population growth. The SMPD scenarios show that if population could freely migrate within the whole China, the balanced ratios of population in the western region, the middle region and the eastern region to total population in the whole China would be 16%, 33% and 52%, respectively.     

Rolling with the shakes: an insight into teenagers’ perceptions of recovery after the Canterbury earthquakes

Natural disasters are harmful worldwide events that inflict multiple psychosocial impacts on disaster-exposed individuals. A significant proportion of affected individuals are teenagers (13–18 years old) who, compared with adults, have been historically overlooked in disaster research. The literature is particularly sparse concerning teenagers’ recovery from natural disasters, specifically what recovery means to them and the contributing factors towards their positive recovery. Therefore, the aim of the current study was to gain deeper insight into this largely unexplored area by conducting five focus groups with teenagers (16–18 years) who experienced at least one of the Canterbury, New Zealand, earthquakes since and including the initial September 2010 earthquake. This study directly asked teenagers about their recovery over the three years after the initial earthquakes, with data being analysed using thematic analysis. Two main themes were identified: (1) perceptions of recovery, with three sub-themes (i) knowledge and being less frightened, (ii) talking about the earthquakes and (iii) shift in perspectives; and (2) contributing factors to recovery, with three sub-themes (i) participation in the community response, (ii) returning to school and (iii) the rebuild of Christchurch. These factors provide insight into how we can better support the recovery process for disaster-exposed teenagers to reduce long-term distress.     

Lessons for microenterprise programs from a fresh look at the unemployment insurance self-employment demonstration

Microenterprise programs aim to foster self-employment among the poor, those on welfare, and the unemployed. The only experimental test of their impact is the Unemployment Insurance Self-Employment Demonstration (UISED). UISED did shorten unemployment spells, but most other impacts were small and the most disadvantaged did not choose to participate. Although UISED provides some weak evidence that long-term income support, long-term work-search waivers, and on-call advice may increase total employment (but perhaps not self-employment) more than capital infusions and up-front classes, UISED does not reveal the best design for microenterprise programs or whether such programs are good social investments.     

Rural women,development, and telecommunications: a pilot programme in South Africa

This article focuses on the impact of a telecenter program in Bamshela, South Africa, on women in the local community. The Government's telecenter initiative was conceived with an awareness of gender issues and the need to promote women's needs and rights in mind. However, as the center moves into its second year, many opportunities for the it to have a meaningful impact on the community from the start have already been lost. It has not generated enough income to keep prices at an affordable rate. Research has shown that many Bamshela women are using the telecenter as a phoneshop. Lack of knowledge, skills, and education among women is an obstacle to their use of computers at the center; however, center managers believe that rural women will become familiar with electronic methods of communication and may come to use these services. The telecenter has a long way to go before it can replace face-to-face communication and bring prestige to the community.     

A Framework of Asset-Accumulation Stages and Strategies

Based on a study with 298 low-income participants, we propose that asset accumulation occurs in 3 stages. In the first stage (reallocation), current resource inflows exceed current outflows. To do this, people reallocate resources from consumption or leisure. In the second stage (conversion), people may convert resources from liquid to illiquid forms. In the third stage (maintenance), people resist temptations to dissave. We theorize that people adopt psychological and behavioral strategies to achieve these objectives. Putting psychological and behavioral strategies together with the stages of reallocation, conversion, and maintenance results in 6 strategy groups. We provide real-world examples of each strategy group and discuss implications for encouraging account ownership among the unbanked, improving asset-accumulation programs, and improving financial education.     

Effects of an Individual Development Account Program on Retirement Saving: Follow-up Evidence From a Randomized Experiment

We examine the 10-year follow-up effects on retirement saving of an individual development account (IDA) program using data from a randomized experiment that ran from 1998 to 2003 in Tulsa, Oklahoma. The IDA program included financial education, encouragement to save, and matching funds for several qualified uses of the saving, including contributions to retirement accounts. The results indicate that as of 2009, 6 years after the program ended, the IDA program had no impact on the propensity to hold a retirement account, the account balance, or the sufficiency of retirement balances to meet retirement expenses.     

Maternal input and infants’ response to infant‐directed speech

Caregivers typically use an exaggerated speech register known as infant‐directed speech (IDS) in communication with infants. Infants prefer IDS over adult‐directed speech (ADS) and IDS is functionally relevant in infant‐directed communication. We examined interactions among maternal IDS quality, infants’ preference for IDS over ADS, and the functional relevance of IDS at 6 and 13 months. While 6‐month‐olds showed a preference for IDS over ADS, 13‐month‐olds did not. Differences in gaze following behavior triggered by speech register (IDS vs. ADS) were found in both age groups. The degree of infants’ preference for IDS (relative to ADS) was linked to the quality of maternal IDS infants were exposed to. No such relationship was found between gaze following behavior and maternal IDS quality and infants’ IDS preference. The results speak to a dynamic interaction between infants’ preference for different kinds of social signals and the social cues available to them.