Macro-Economic Factors in Credit Risk Calculations: Including Time-Varying Covariates in Mixture Cure Models

The prediction of the time of default in a credit risk setting via survival analysis needs to take a high censoring rate into account. This rate is because default does not occur for the majority of debtors. Mixture cure models allow the part of the loan population that is unsusceptible to default to be modeled, distinct from time of default for the susceptible population. In this article, we extend the mixture cure model to include time-varying covariates. We illustrate the method via simulations and by incorporating macro-economic factors as predictors for an actual bank dataset.     

Apathy and Antipathy: Media Coverage of Restrictive Immigration Legislation and the Maintenance of Symbolic Boundaries

Although the government no longer explicitly establishes boundaries of whiteness, it continues to play a central role in shaping symbolic boundaries between immigrants and nonimmigrants through immigration lawmaking. However, the salience of these boundaries may depend on how the media disseminate them to the public. In this study, we investigate media framing of immigration lawmaking using an original data set of news coverage of six of the most widely recognized exclusionary immigration bills and laws at different levels of government. Two patterns emerged from an iterative frame analysis. First, in their coverage of frames critical of these bills and laws, outlets devoted more attention to the effects of exclusionary legislation for nonimmigrants. Second, in their coverage of frames supportive of the restrictive legislation, outlets provided more space to those who openly associated immigrants with criminality and terrorism. Regardless of outlets’ seemingly neutral stance toward restrictive legislation, their disparate coverage of exclusionary lawmaking demonstrates apathy and antipathy toward immigrants, which has repercussions for the maintenance of inequality.     

Going to work without educational qualifications: school-to-work transitions of early school leavers in Belgium

ABSTRACT

Risks of exclusion can occur in multiple forms and start early in life. Early school leavers are especially at risk of social exclusion as this is strongly related to turbulent school-to-work-transitions. These young people often find themselves in low-qualified work or unemployment. In this article, we explore the labour market experiences of early school leavers in Flanders, Belgium. In total, 15 in-depth interviews were conducted with nine early school leavers and analysed following a grounded theory approach. Our results demonstrate the difficulties early school leavers encounter in their transitions from school to work and their precarious situation in the labour market. Of particular relevance are the insights gained in revealing the perspectives of young people on the importance of educational qualifications, work experience and participation in the labour market, as well as the strategies they develop to enter the labour market without educational qualifications.     

Talking across Borders: Successful Re‐entry in Different Strands of Re‐entry Literature

The processes of re‐entering a society after an international move have been studied in several fields. In this article, we argue that the existing differences in conceptualizations of a “successful re‐entry” for different returning groups are created by particular social, political or theoretical ideas about mobility, which lead to biases in the understanding of re‐entry processes and influence support practices for returning groups. A critical analysis of the conceptualization of successful re‐entry of two extreme cases of returning people who both play to the interests of institutions that seek successful re‐entry, namely returned refugees and asylum seekers on the one hand and repatriates on the other, enables us to bring these assumptions to the fore. Our analysis reveals how the permeation of economic and spatial understanding and the absence of temporal and relational understanding distorts insights into re‐entry processes and creates blind spots in support practices for returning populations.     

A comparison using perceptual indicators: Job satisfaction

Results of an Austrian-German comparison pertaining to different aspects of job satisfaction are presented. It is argued that even at this early stage in their development, perceptual indicators can be used to reveal overall trends and to point up trouble spots where socio-economic action on the part of the authorities is called for.     

From Consultation to Participation

Empirical research in the literature on accountability of nonprofit organizations (NPOs) toward their beneficiaries is scarce, and the available studies have a number of limitations. Our study attempts to overcome some of them and focuses on one specific component of accountability toward beneficiaries: beneficiary impact on organizational decision making and output. Data were collected by surveying general managers of 790 Belgian NPOs in fourteen industries. Results show that most NPOs implement some mechanisms to involve beneficiaries and their representatives in organizational policy making, mechanisms that vary between and within industries. Despite the existence of such mechanisms, their perceived association with impact on policy making and associated potential organizational effects is weak, though positive.     

‘No more Turkish music!’ The acculturation strategies of teachers and ethnic minority students in Flemish schools

ABSTRACT

While considerable research has focused on the process and factors affecting acculturation, there is little research that investigates how members of minority and majority groups define acculturation in educational settings. Ethnographic research and qualitative interviews in three secondary schools in Flanders (Belgium) show that teachers and ethnic minority students have different ideas and expectancies regarding the concept ‘integration’, which appears to affect student–teacher relationship. Berry et al.’s [1989. “Acculturation Attitudes in Plural Societies.” Applied Psychology: An International Review 3 (2): 185-206. doi:10.1111/j.1464-0597.1989.tb01208.x.] acculturation orientations are used as a theoretical template to analyse teachers’ and ethnic minority students’ discourses about acculturation. Analyses reveal that students of immigrant descent perceive acculturation mainly in terms of the establishment of intergroup contact. In contrast, teachers find it harder to disconnect cultural maintenance from contact and participation. By suggesting some form of cultural adoption, teachers hope to socialise their ethnic minority students into the culture of the dominant ethnic group and prepare them for their future. These distinct interpretations of ‘integration’ in everyday life (which actually refers to acculturation) often leads to misunderstandings between ethnic minority students and their teachers, even to conflict, as many students feel that their cultural background is disparaged and not fully valued in school.     

HIV disclosure and subsequent sexual behaviors among men who have sex with men who meet online

To assess HIV disclosure discussions and related sexual behaviors among men who have sex with men (MSM) who meet sex partners online, 28 qualitative interviews with Seattle-area MSM were analyzed using grounded theory methods and themes and behavior patterns were identified. MSM found a greater ease in communicating and could prescreen partners through the Internet. However, no consistent relationship was found between HIV disclosure and subsequent behaviors: some were safer based on disclosure while perceived HIV status led others to risky behaviors. Interventions need to promote accurate disclosure while acknowledging its limitations and the need for men to self-protect.