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1 – 10 of over 18000
Book part
Publication date: 2 July 2010

Sharon Lindhorst Everhardt

Purpose – This chapter examines the complex, multilevel barriers low-income women of color in a medium-sized Midwestern city face when trying to achieve economic…

Abstract

Purpose – This chapter examines the complex, multilevel barriers low-income women of color in a medium-sized Midwestern city face when trying to achieve economic self-sufficiency and homeownership. The aim of this study was to determine whether women attempting to achieve self-sufficiency and/or homeownership face different barriers than men as a result of multiple and intersecting social locations.

Design/methodology/approach – The study sample includes 24 low-income women of color, all of whom participated in in-depth interviews in Fall, 2008. Low-income women also completed short demographic surveys. Intersectionality represents the conceptual framework for this study, and data analysis followed phenomenological inquiry.

Findings – Some barriers low-income women of color face are unacknowledged and are gendered and racialized. Many women in this study faced personal barriers (e.g., low-income, lack of savings, poor credit, lack of mentors) and system-level barriers (e.g., banking account requirements and lenders’ downpayment requirements) to obtain economic self-sufficiency and/or homeownership simultaneously.

Research limitations – This study only examined 25 women's experiences in one location. These findings can only be generalized to low-income women of color in this study.

Originality/value – This study addresses the gaps in existing literature about low-income women's journeys toward economic self-sufficiency, and highlights that many women have goals of homeownership as well. Data analyzed here also illustrated the complex nature of barriers.

Details

Interactions and Intersections of Gendered Bodies at Work, at Home, and at Play
Type: Book
ISBN: 978-1-84950-944-2

Book part
Publication date: 26 August 2015

Andrew Heisz, Geranda Notten and Jerry Situ

This research explores how skill proficiencies are distributed between low-income and not-in low-income groups using the results of a highly complex survey of the…

Abstract

This research explores how skill proficiencies are distributed between low-income and not-in low-income groups using the results of a highly complex survey of the information-processing skills of Canadians between the ages of 16 and 65. We find that having measures of skills enhances our understanding of the correlates of low income. Skills have an independent effect, even when controlling for other known correlates of low income, and their inclusion reduces the independent effect of education and immigrant status. This result is relevant for public policy development as the knowledge of the skills profile of the low-income population can inform the design of efficient and effective programmes.

Details

Measurement of Poverty, Deprivation, and Economic Mobility
Type: Book
ISBN: 978-1-78560-386-0

Keywords

Book part
Publication date: 28 May 2012

Monique S. Johnson

Although rental housing has historically maintained a peripheral position within the community-building sphere, the current economic volatility is evidence of how…

Abstract

Although rental housing has historically maintained a peripheral position within the community-building sphere, the current economic volatility is evidence of how imbalanced housing policy can impact overall stability, particularly among low-income people within low-income communities. Economic and other macro-environmental shifts will have lasting and poignant impacts on low-income geographies; therefore, the state of rental housing within the context of urban neighborhoods will continue to be a critical policy matter. This research explores whether the low-income housing tax credit (LIHTC) program encourages the development of housing with the physical and operational attributes that strengthen low-income neighborhoods. Given the program's growing dominance, this study analyzes whether specific characteristics associated with neighborhood revitalization are prevalent in LIHTC properties located within qualified census tracts. Also examined are the methodologies among nonprofit developers and for-profit developers relative to these development characteristics.

The findings indicate that properties under 50 units are more likely to be located within suburban qualified census tracts. Within the urban core, the results reveal that qualified census tract LIHTC developments are more often serving extremely low and low-income families. The research outcomes also show that nonprofit developers are more likely to serve lower incomes and utilize certified property management agents for these properties. Given the unique needs of urban and suburban low-income neighborhoods and a national environment that portents a growing dependence upon the LIHTC, the findings suggest that both enhanced coordination between state, regional, and local interests and innovation in resource allocation policy are critical to erasing the neighborhood divide that marginalizes low-income people in low-income communities.

Details

Living on the Boundaries: Urban Marginality in National and International Contexts
Type: Book
ISBN: 978-1-78052-032-2

Book part
Publication date: 28 June 2016

Robert Crosnoe, Aprile D. Benner and Pamela Davis-Kean

Applying sociological and developmental theoretical perspectives to educational policy issues, this study analyzed data from 7,710 children from low-income families in the…

Abstract

Applying sociological and developmental theoretical perspectives to educational policy issues, this study analyzed data from 7,710 children from low-income families in the Early Childhood Longitudinal Study-Kindergarten Cohort. The goal was to examine how much the association between phonics instruction in kindergarten classrooms and children’s reading achievement during the first year of school in the low-income population would depend on whether children had previously attended preschool as well as the socioeconomic composition of their elementary schools. Lagged linear models with a series of sensitivity tests revealed that this association was strongest among children from low-income families who had not attended preschool and then enrolled in socioeconomically disadvantaged elementary schools and among children from low-income families who had attended preschool and then enrolled in socioeconomically advantaged elementary schools. These findings demonstrate how insights into educational inequality can be gained by situating developing children within their proximate ecologies and institutional settings, especially looking to the match between children and their contexts. They are especially relevant to timely policy discussions of early childhood education programs, classroom instructional practices, and school desegregation.

Details

Family Environments, School Resources, and Educational Outcomes
Type: Book
ISBN: 978-1-78441-627-0

Keywords

Article
Publication date: 29 December 2021

Patrícia de Oliveira Campos and Marconi Freitas da Costa

This study aims to further analyse the decision-making process of low-income consumer from an emerging market by verifying the influence of regulatory focus and construal…

Abstract

Purpose

This study aims to further analyse the decision-making process of low-income consumer from an emerging market by verifying the influence of regulatory focus and construal level theory on indebtedness.

Design/methodology/approach

An experimental study was carried out with a design 2 (regulatory focus: promotion vs prevention) × 2 (psychological distance: high vs low) between subjects, with 140 low-income consumers.

Findings

Our study points out that the propensity towards indebtedness of low-income consumer is higher in a distal psychological distance. We found that promotion and prevention groups have the same propensity to indebtedness. Moreover, we highlight that low-income consumers are prone to propensity to indebtedness due to taking decisions focused on the present with an abstract mindset.

Social implications

Financial awareness advertisements should focus on providing more concrete strategies in order to reduce decision-making complexity and provide ways to reduce competing situations that could deplete self-regulation resources. Also, public policy should organize educational programs to increase the low-income consumer's ability to deal with personal finances and reduce this task complexity. Finally, educational financial programs should also incorporate psychology professionals to teach mindfulness techniques applied to financial planning.

Originality/value

This study is the first to consider regulatory focus and construal level to explain low-income indebtedness. This paper provides a deeper analysis of the low-income consumers' decision process. Also, it supports and guides future academic and decision-making efforts.

Details

International Journal of Emerging Markets, vol. ahead-of-print no. ahead-of-print
Type: Research Article
ISSN: 1746-8809

Keywords

Article
Publication date: 27 May 2021

Magali Valero and Jorge Noel Valero-Gil

The purpose of this study is to understand the factors that contribute to the number of reported coronavirus (COVID-19) deaths among low-income and high-income countries…

Abstract

Purpose

The purpose of this study is to understand the factors that contribute to the number of reported coronavirus (COVID-19) deaths among low-income and high-income countries, and to understand the sources of differences between these two groups of countries.

Design/methodology/approach

Multiple linear regression models evaluate the socio-economic factors that determine COVID-19 deaths in the two groups of countries. The Oaxaca–Blinder decomposition is used to examine sources of differences between these two groups.

Findings

Low-income countries report a significantly lower average number of COVID-19 deaths compared to high-income countries. Community mobility and the easiness of carrying the virus from one place to another are significant factors affecting the number of deaths, while life expectancy is only significant in high-income countries. Higher health expenditure is associated with more reported deaths in both high- and low-income countries. Factors such as the transport infrastructure system, life expectancy and the percent of expenditure on health lead to the differences in the number of deaths between high- and low-income countries.

Social implications

Our study shows that mobility measures taken by individuals to limit the spread of the virus are important to prevent deaths in both high- and low-income countries. Additionally, our results suggest that countries with weak health institutions underestimate the number of deaths from COVID-19, especially low-income countries. The underestimation of COVID-19 deaths could be affecting a great number of people in poverty in low-income economies.

Originality/value

This paper contributes to the emerging literature on COVID-19 and its relation to socio-economic factors by examining the differences in reported between deaths between rates in low-income and high-income countries.

Details

International Journal of Social Economics, vol. 48 no. 9
Type: Research Article
ISSN: 0306-8293

Keywords

Article
Publication date: 30 April 2021

Dengdeng Wanyan and Zijian Wang

This article aims to provide reference for government departments and public cultural institutions in strengthening the provision of public cultural services for…

Abstract

Purpose

This article aims to provide reference for government departments and public cultural institutions in strengthening the provision of public cultural services for low-income groups, improving services methods and fostering their cultural awareness and cultural rights.

Design/methodology/approach

Evidence from an empirical study on representative small and medium-sized cities.

Findings

This paper defines the specific aspects of the difficulties faced by urban low-income people in obtaining public cultural services, and it is no longer limited to analyze the causes behind these difficulties from a specific perspective.

Originality/value

The difficulties faced by urban low-income people in obtaining public cultural services are mainly reflected in the following four aspects: external condition pressure, individual condition limitations, service supply difference and feedback mechanism failure.

Details

Library Hi Tech, vol. ahead-of-print no. ahead-of-print
Type: Research Article
ISSN: 0737-8831

Keywords

Article
Publication date: 14 August 2018

Francis Kwesi Bondinuba, Alex Opoku, Degraft Owusu-Manu and Kenneth Appiah Donkor-Hyiaman

The emergence of housing microfinance (HMF) as a response to the low-income groups’ inability to access traditional housing finance is an innovative strategy by creative…

Abstract

Purpose

The emergence of housing microfinance (HMF) as a response to the low-income groups’ inability to access traditional housing finance is an innovative strategy by creative Microfinance Institutions. Yet, low-income groups’ still face barriers in accessing these innovative products, particularly in Ghana. This paper aims to examine the critical demand barriers and how to develop and improve the design and delivery of HMF interventions in the low-income housing market in Ghana.

Design/methodology/approach

The paper achieves its aim by adopting a focus-group discussion strategy to examine the constraints to the demand for HMF among low-income groups’ in Ghana.

Findings

Nine factors constrained the design, delivery and demand for HMF – affordability issues; risk; land tenure insecurity; high interest rate; collateralization and insurance challenges; unfavourable HMF loan conditions; lack of social capital; high cost of land and building materials; and ineffective consumer protection.

Research limitations/implications

Although limited to low-income groups, strategies to stimulate demand for HMF should focus on three broad problems – affordability, macroeconomic management and institutional development and government intervention.

Social implications

The paper makes significant contributions to the body of knowledge, regarding understanding the low-income housing market and its financing in the context of a developing country.

Originality/value

The novelty of the paper is founded on the premise of the research methodology adopted to unearthed the barriers to the demand of HMF in Ghana. Future research effort should be directed at exploring the motivations behind low-income groups’ decision to demand HMF and the risk associated with the use of HMF in the context of Ghana.

Details

Journal of Facilities Management, vol. 16 no. 3
Type: Research Article
ISSN: 1472-5967

Keywords

Article
Publication date: 2 November 2017

Rebekah Russell-Bennett, Rory Mulcahy, Jo-Anne Little and Tim Swinton

Designing a social marketing intervention for low-income earners requires an understanding of the key motivations. As part of the Low-Income Earner Energy Efficiency…

Abstract

Purpose

Designing a social marketing intervention for low-income earners requires an understanding of the key motivations. As part of the Low-Income Earner Energy Efficiency Programme, this study investigates the key factors that influence energy behaviours amongst Australian young low-income earners as part of the Reduce Your Juice social marketing programme. The authors also investigate the effect of gender.

Design/methodology/approach

An online survey of 753 low-income renters was conducted using validated measures. The data were analysed using structural equation modelling.

Findings

The two factors that had the highest influence on intentions for energy-saving behaviours was the “mind” factor of self-efficacy and “money” factor of price concern. There were gender differences in the effect of bill control and price concern on intentions for different energy efficiency behaviours.

Practical implications

This study provides guidance on the factors to emphasise when designing an energy efficiency programme for low-income earners.

Social implications

This study provides evidence for different motivations amongst low-income earners for energy efficiency programmes and that a “one size fits all” approach may not be effective.

Originality/value

While there is high interest in the public sector for motivating young-adult low-income earners to change their energy behaviours, little is known about the key factors that motivate intentions to engage in these behaviours.

Details

Journal of Social Marketing, vol. 8 no. 1
Type: Research Article
ISSN: 2042-6763

Keywords

Article
Publication date: 23 March 2012

Giuliana Parodi and Dario Sciulli

The purpose of this paper is to investigate the determinants of the probability of low income for households with disabled members in Italy, over the period 2004‐2007…

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Abstract

Purpose

The purpose of this paper is to investigate the determinants of the probability of low income for households with disabled members in Italy, over the period 2004‐2007, with special focus on the role of persistence.

Design/methodology/approach

Households with disabled members are compared with those without disabled members, and those with disabled members temporary limited. Alternative definitions of disability are considered. The probability of low income is estimated adopting dynamic probit models accounting for unobserved heterogeneity, state dependence and endogenous initial conditions.

Findings

Evidence is found of significant true state dependence for households with disabled members. However, true state dependence does not significantly differ from that of other households. The probability of low income for households with disabled members is also determined by some structural variables, such as employment of disabled individuals, living in the South, household's partner employment and household size.

Practical implications

In the short run, money transfer is effective to lift households with disabled members from low income and to prevent the risk of low income in the future. Structural policies are possibly relevant in reducing the long‐term risk of low income. These include interventions to favour employment of disabled members and development of caring services for disabled members to free family members for outside work.

Originality/value

Not much is known about how disability affects the conditions of households with disabled members. The paper contributes to this literature with a novel analysis of low income persistence, providing some policy suggestions.

Details

International Journal of Manpower, vol. 33 no. 1
Type: Research Article
ISSN: 0143-7720

Keywords

1 – 10 of over 18000