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Access to capital and financial services is crucial for healthy communities. However, many impoverished individuals and neighborhoods are routinely ignored by mainstream financial institutions. This neglect led to the creation of community development financial institutions (CDFIs), which provide low-income communities with financial services and act as a conduit to conventional financial organizations and capital markets. Edited by Julia Sass Rubin, Financing Low-Income Communities brings together leading experts in the field to assess what we know about the challenges of bringing financial services and capital to poor communities, map out future lines of research, and propose policy reforms to make these efforts more effective. The contributors to Financing Low-Income Communities distill research on key topics related to community development finance. Daniel Schneider and Peter Tufano examine the obstacles that make saving and asset accumulation difficult for low-income households—such as the fact that tens of millions of low-income and minority adults don’t have a bank account—and consider solutions, like making it easier for low-wage workers to enroll in 401(K) plans. Jeanne Hogarth, Jane Kolodinksy, and Marianne Hilgert review evidence showing that community-based financial education programs can be effective in changing families’ saving and budgeting patterns. Lisa Servon proposes strategies for addressing the challenges facing the microenterprise field in the United States. Julia Sass Rubin discusses ways community loan and venture capital funds have adapted in response to the decreased availability of funding, and considers potential sources of new capital, such as state governments and public pension funds. Marva Williams explores the evolution and recent performance of community development banks and credit unions. Kathleen Engel and Patricia McCoy document the proliferation of predatory lenders, who market loans at onerous interest rates to financially vulnerable families and the devastating effects of such lending on communities—from increased crime to falling home values and lower tax revenues. Rachel Bratt reviews the policies and programs used to make rental and owned housing financially accessible. Rob Hollister proposes a framework for evaluating the contributions of community development financial institutions. Despite the many accomplishments of CDFIs over the last four decades, changing political and economic conditions make it imperative that they adapt in order to survive. Financing Low-Income Communities charts out new directions for public and private organizations which aim to end the financial exclusion of marginalized neighborhoods.
Care Provision in the United States
As women moved into the formal labor force in large numbers over the last forty years, care work—traditionally provided primarily by women—has increasingly shifted from the family arena to the market. Child care, elder care, care for the disabled, and home care now account for a growing segment of low-wage work in the United States. But the expanding market provision of care has created new economic anxieties and raised pointed questions: Why do women continue to do most care work, both paid and unpaid? Why does care work remain low paid when the quality of care is so highly valued? In For Love and Money, an interdisciplinary team of experts explores the theoretical dilemmas of care provision and provides an unprecedented empirical overview of the looming problems for the care sector in the United States. Drawing on diverse disciplines and areas of expertise, For Love and Money develops an innovative framework to analyze existing care policies and suggest potential directions for care policy and future research. Contributors Paula England, Nancy Folbre, and Carrie Leana explore the range of motivations for caregiving, such as familial responsibility or limited job prospects, and why both love and money can be efficient motivators. They also examine why women tend to specialize in the provision of care, citing factors like job discrimination, social pressure, or the personal motivation to provide care reported by many women. Suzanne Bianchi, Nancy Folbre, and Douglas Wolf estimate how much unpaid care is being provided in the United States and show that low-income families rely more on unpaid family members for their child and for elder care than do affluent families. With low wages and little savings, these families often find it difficult to provide care and earn enough money to stay afloat. Candace Howes, Carrie Leana and Kristin Smith investigate the dynamics within the paid care sector and find problematic wages and working conditions, including high turnover, inadequate training and a “pay penalty” for workers who enter care jobs. These conditions have consequences: poor job quality in child care and adult care also leads to poor care quality. In their chapters, Janet Gornick, Candace Howes and Laura Braslow provide a systematic inventory of public policies that directly shape the provision of care for children or for adults who need personal assistance, such as family leave, child care tax credits and Medicaid-funded long-term care. They conclude that income and variations in states’ policies are the greatest factors determining how well, and for whom, the current system works. Despite the demand for care work, very little public policy attention has been devoted to it. Only three states, for example, have enacted paid family leave programs. Paid or unpaid, care costs those who provide it. At the heart of For Love and Money is the understanding that the quality of care work in the United States matters not only for those who receive care but also for society at large, which benefits from the nurturance and maintenance of human capabilities. This volume clarifies the pressing need for America to fundamentally rethink its care policies and increase public investment in this increasingly crucial sector.
Check-Cashing Outlets, Pawnshops, and the Poor
In today's world of electronic cash transfers, automated teller machines, and credit cards, the image of the musty, junk-laden pawnshop seems a relic of the past. But it is not. The 1980s witnessed a tremendous boom in pawnbroking. There are now more pawnshops than ever before in U.S. history, and they are found not only in large cities but in towns and suburbs throughout the nation. As John Caskey demonstrates in Fringe Banking, the increased public patronage of both pawnshops and commercial check-cashing outlets signals the growing number of American households now living on a cash-only basis, with no connection to any mainstream credit facilities or banking services. Fringe Banking is the first comprehensive study of pawnshops and check-cashing outlets, profiling their operations, customers, and recent growth from family-owned shops to such successful outlet chains as Cash American and ACE America's Cash Express. It explains why, despite interest rates and fees substantially higher than those of banks, their use has so dramatically increased. According to Caskey, declining family earnings, changing family structures, a growing immigrant population, and lack of household budgeting skills has greatly reduced the demand for bank deposit services among millions of Americans. In addition, banks responded to 1980s regulatory changes by increasing fees on deposit accounts with small balances and closing branches in many poor urban areas. These factors combined to leave many low- and moderate-income families without access to checking privileges, credit services, and bank loans. Pawnshops and check-cashing outlets provide such families with essential financial services thay cannot obtain elsewhere. Caskey notes that fringe banks, particularly check-cashing outlets, are also utilized by families who could participate in the formal banking system, but are willing to pay more for convenience and quick access to cash. Caskey argues that, contrary to their historical reputation as predators milking the poor and desperate, pawnshops and check-cashing outlets play a key financial role for disadvantaged groups. Citing the inconsistent and often unenforced state laws currently governing the industry, Fringe Banking challenges policy makers to design regulations that will allow fringe banks to remain profitable without exploiting the customers who depend on them.
The Voting Rights Act (VRA) stands among the great achievements of American democracy. Originally adopted in 1965, the Act extended full political citizenship to African-American voters in the United States nearly 100 years after the Fifteenth Amendment first gave them the vote. While Section 2 of the VRA is a nationwide, permanent ban on discriminatory election practices, Section 5, which is set to expire in 2007, targets only certain parts of the country, requiring that legislative bodies in these areas—mostly southern states with a history of discriminatory practices—get permission from the federal government before they can implement any change that affects voting. In The Future of the Voting Rights Act, David Epstein, Rodolfo de la Garza, Sharyn O’Halloran, and Richard Pildes bring together leading historians, political scientists, and legal scholars to assess the role Section 5 should play in America’s future. The contributors offer varied perspectives on the debate. Samuel Issacharoff questions whether Section 5 remains necessary, citing the now substantial presence of blacks in legislative positions and the increasingly partisan enforcement of the law by the Department of Justice (DOJ). While David Epstein and Sharyn O’Halloran are concerned about political misuse of Section 5, they argue that it can only improve minority voting power—even with a partisan DOJ—and therefore continues to serve a valuable purpose. Other contributors argue that the achievements of Section 5 with respect to blacks should not obscure shortcomings in the protection of other groups. Laughlin McDonald argues that widespread and systematic voting discrimination against Native Americans requires that Section 5 protections be expanded to more counties in the west. Rodolfo de la Garza and Louis DeSipio point out that the growth of the Latino population in previously homogenous areas and the continued under-representation of Latinos in government call for an expanded Section 5 that accounts for changing demographics. As its expiration date approaches, it is vital to examine the role that Section 5 still plays in maintaining a healthy democracy. Combining historical perspective, legal scholarship, and the insight of the social sciences, The Future of the Voting Rights Act is a crucial read for anyone interested in one of this year’s most important policy debates and in the future of civil rights in America.
Women, Family, and Workplace Inequality in Twenty-One Countries
Gender inequality in the workplace persists, even in nations with some of the most progressive laws and generous family support policies. Yet the dimensions on which inequality is measured—levels of women’s employment, number of hours worked, sex segregation by occupations and wages—tell very different stories across industrialized nations. By examining federally guaranteed parental leave, publicly provided child care, and part-time work, and looking across multiple dimensions of inequality, Becky Pettit and Jennifer Hook document the links between specific policies and aggregate outcomes. They disentangle the complex factors, from institutional policies to personal choices, that influence economic inequality. Gendered Tradeoffs draws on data from twenty-one industrialized nations to compare women’s and men’s economic outcomes across nations, and over time, in search of a deeper understanding of the underpinnings of gender inequality in different labor markets. Pettit and Hook develop the idea that there are tradeoffs between different aspects of gender inequality in the economy and explain how those tradeoffs are shaped by individuals, markets, and states. They argue that each policy or condition should be considered along two axes—whether it promotes women’s inclusion in or exclusion from the labor market and whether it promotes gender equality or inequality among women in the labor market. Some policies advance one objective while undercutting the other. The volume begins by reflecting on gender inequality in labor markets measured by different indicators. It goes on to develop the idea that there may be tradeoffs inherent among different aspects of inequality and in different policy solutions. These ideas are explored in four empirical chapters on employment, work hours, occupational sex segregation, and the gender wage gap. The penultimate chapter examines whether a similar framework is relevant for understanding inequality among women in the United States and Germany. The book concludes with a thorough discussion of the policies and conditions that underpin gender inequality in the workplace. The central thesis of Gendered Tradeoffs is that gender inequality in the workplace is generated and reinforced by national policies and conditions. The contours of inequality across and within countries are shaped by specific aspects of social policy that either relieve or concentrate the demands of care giving within households—usually in the hands of women—and at the same time shape workplace expectations. Pettit and Hook make a strong case that equality for women in the workplace depends not on whether women are included in the labor market but on how they are included.
Mexican-Americans, Assimilation, and Race
When boxes of original files from a 1965 survey of Mexican Americans were discovered behind a dusty bookshelf at UCLA, sociologists Edward Telles and Vilma Ortiz recognized a unique opportunity to examine how the Mexican American experience has evolved over the past four decades. Telles and Ortiz located and re-interviewed most of the original respondents and many of their children. Then, they combined the findings of both studies to construct a thirty-five year analysis of Mexican American integration into American society. Generations of Exclusion is the result of this extraordinary project. Generations of Exclusion measures Mexican American integration across a wide number of dimensions: education, English and Spanish language use, socioeconomic status, intermarriage, residential segregation, ethnic identity, and political participation. The study contains some encouraging findings, but many more that are troubling. Linguistically, Mexican Americans assimilate into mainstream America quite well—by the second generation, nearly all Mexican Americans achieve English proficiency. In many domains, however, the Mexican American story doesn’t fit with traditional models of assimilation. The majority of fourth generation Mexican Americans continue to live in Hispanic neighborhoods, marry other Hispanics, and think of themselves as Mexican. And while Mexican Americans make financial strides from the first to the second generation, economic progress halts at the second generation, and poverty rates remain high for later generations. Similarly, educational attainment peaks among second generation children of immigrants, but declines for the third and fourth generations. Telles and Ortiz identify institutional barriers as a major source of Mexican American disadvantage. Chronic under-funding in school systems predominately serving Mexican Americans severely restrains progress. Persistent discrimination, punitive immigration policies, and reliance on cheap Mexican labor in the southwestern states all make integration more difficult. The authors call for providing Mexican American children with the educational opportunities that European immigrants in previous generations enjoyed. The Mexican American trajectory is distinct—but so is the extent to which this group has been excluded from the American mainstream. Most immigration literature today focuses either on the immediate impact of immigration or what is happening to the children of newcomers to this country. Generations of Exclusion shows what has happened to Mexican Americans over four decades. In opening this window onto the past and linking it to recent outcomes, Telles and Ortiz provide a troubling glimpse of what other new immigrant groups may experience in the future.
When the first edition of The Handbook of Research Synthesis was published in 1994, it quickly became the definitive reference for researchers conducting meta-analyses of existing research in both the social and biological sciences. In this fully revised second edition, editors Harris Cooper, Larry Hedges, and Jeff Valentine present updated versions of the Handbook’s classic chapters, as well as entirely new sections reporting on the most recent, cutting-edge developments in the field. Research synthesis is the practice of systematically distilling and integrating data from a variety of sources in order to draw more reliable conclusions about a given question or topic. The Handbook of Research Synthesis and Meta-Analysis draws upon years of groundbreaking advances that have transformed research synthesis from a narrative craft into an important scientific process in its own right. Cooper, Hedges, and Valentine have assembled leading authorities in the field to guide the reader through every stage of the research synthesis process—problem formulation, literature search and evaluation, statistical integration, and report preparation. The Handbook of Research Synthesis and Meta-Analysis incorporates state-of-the-art techniques from all quantitative synthesis traditions. Distilling a vast technical literature and many informal sources, the Handbook provides a portfolio of the most effective solutions to the problems of quantitative data integration. Among the statistical issues addressed by the authors are the synthesis of non-independent data sets, fixed and random effects methods, the performance of sensitivity analyses and model assessments, and the problem of missing data. The Handbook of Research Synthesis and Meta-Analysis also provides a rich treatment of the non-statistical aspects of research synthesis. Topics include searching the literature, and developing schemes for gathering information from study reports. Those engaged in research synthesis will also find useful advice on how tables, graphs, and narration can be used to provide the most meaningful communication of the results of research synthesis. In addition, the editors address the potentials and limitations of research synthesis, and its future directions. The past decade has been a period of enormous growth in the field of research synthesis. The second edition Handbook thoroughly revises original chapters to assure that the volume remains the most authoritative source of information for researchers undertaking meta-analysis today. In response to the increasing use of research synthesis in the formation of public policy, the second edition includes a new chapter on both the strengths and limitations of research synthesis in policy debates and decisions. Another new chapter looks at computing effect sizes and standard errors from clustered data, such as schools or clinics. Authors also discuss updated techniques for locating hard-to-find “fugitive” literature, ways of systematically assessing the quality of a study, and progress in statistical methods for detecting and estimating the effects of publication bias. The Handbook of Research Synthesis and Meta-Analysis is an illuminating compilation of practical instruction, theory, and problem solving. This unique volume offers the reader comprehensive instruction in the skills necessary to conduct powerful research syntheses meeting the highest standards of objectivity. The significant developments included in the second edition will ensure that the Handbook remains the premier text on research synthesis for years to come.
The American Experience
The historic rise in international migration over the past thirty years has brought a tide of new immigrants to the United States from Asia, South America, and other parts of the globe. Their arrival has reverberated throughout American society, prompting an outpouring of scholarship on the causes and consequences of the new migrations. The Handbook of International Migration gathers the best of this scholarship in one volume to present a comprehensive overview of the state of immigration research in this country, bringing coherence and fresh insight to this fast growing field.The contributors to The Handbook of International Migration—a virtual who's who of immigration scholars—draw upon the best social science theory and demographic research to examine the effects and implications of immigration in the United States. The dramatic shift in the national background of today's immigrants away from primarily European roots has led many researchers to rethink traditional theories of assimilation,and has called into question the usefulness of making historical comparisons between today's immigrants and those of previous generations. Part I of the Handbook examines current theories of international migration, including the forces that motivate people to migrate, often at great financial and personal cost. Part II focuses on how immigrants are changed after their arrival, addressing such issues as adaptation, assimilation, pluralism, and socioeconomic mobility. Finally, Part III looks at the social, economic, and political effects of the surge of new immigrants on American society. Here the Handbook explores how the complex politics of immigration have become intertwined with economic perceptions and realities, racial and ethnic divisions,and international relations. A landmark compendium of richly nuanced investigations, The Handbook of International Migration will be the major reference work on recent immigration to this country and will enhance the development of a truly interdisciplinary field of international migration studies.
The Handbook of Research Synthesis is the definitive reference and how-to manual for behavioral and medical scientists applying the craft of research synthesis. It draws upon twenty years of ground-breaking advances that have transformed the practice of synthesizing research literature from an art into a scientific process in its own right. Editors Harris Cooper and Larry V. Hedges have brought together leading authorities to guide the reader through every stage of the research synthesis process—problem formulation, literature search and evaluation, statistical integration, and report preparation. The Handbook of Research Synthesis incorporates in a single volume state-of-the-art techniques from all quantitative synthesis traditions, including Bayesian inference and the meta-analytic approaches. Distilling a vast technical literature and many informal sources, the Handbook provides a portfolio of the most effective solutions to problems of quantitative data integration. The Handbook of Research Synthesis also provides a rich treatment of the non-statistical aspects of research synthesis. Topics include searching the literature, managing reference databases and registries, and developing coding schemes. Those engaged in research synthesis will also find useful advice on how tables, graphs, and narration can be deployed to provide the most meaningful communication of the results of research synthesis. The Handbook of Research Synthesis is an illuminating compilation of practical instruction, theory, and problem solving. It provides an accumulation of knowledge about the craft of reviewing a scientific literature that can be found in no other single source. The Handbook offers the reader thorough instruction in the skills necessary to conduct powerful research syntheses meeting the highest standards of objectivity, systematicity, and rigor demanded of scientific enquiry. This definitive work will represent the state of the art in research synthesis for years to come.
The Political and Social Challenges of Census Mobilization
American democracy relies on an accurate census to fairly allocate political representation and billions of dollars in federal funds. Declining participation in previous censuses and a general waning of civic engagement in society raised the possibility that the 2000 count would miss many Americans—disproportionately ethnic and racial minorities—depriving them of their share of influence in American society and yielding an unfair distribution of federal resources. Faced with this possibility, the Census Bureau launched a massive mobilization campaign to encourage Americans to complete and return their census forms. In The Hard Count, former Census Bureau director Kenneth Prewitt, D. Sunshine Hillygus, Norman H. Nie, and Heili Pals present a rigorous evaluation of this campaign. Can a busy, mobile, disengaged public be motivatived to participate in this civic activity? Using a rich set of data and drawing on theories of civic mobilization, political persuasion, and media effects, the authors assess the factors that influenced participation in the 2000 census. The Hard Count profiles a watershed moment in the history of the American census. As the mobilization campaign was underway, political opposition to the census sprang up, citing privacy issues and seeking to limit the kind of data the census could collect. Hillygus, Nie, Prewitt, and Pals analyze the competing effects of the mobilization campaign and the privacy controversy on public attitudes and cooperation with the census. Using an internet based survey, the authors tracked a representative sample of Americans over time to gauge changes in census attitudes, privacy concerns, and their eventual decision whether or not to return their census form. The study uniquely captures the public’s exposure to census advertising, community mobilization, and news stories, and was designed so people could view video clips and photos of actual campaign advertisements on their sets in their homes. The authors find that the Census Bureau campaign did in fact raise awareness of the census and census participation. The mobilization campaign was especially effective at increasing participation among groups historically undercounted by the census. They also find that census participation would have been higher if not for the privacy controversy, which discouraged many people from cooperating with the census and led others to omit information from their census form. The findings of The Hard Count have important policy implications for future census counts and offer theoretical insights regarding the influence of mobilization campaigns on civic participation. The goal of full and equal cooperation with the decennial census and other government surveys is an important national priority. The Hard Count shows that a mobilization campaign can dramatically increase voluntary participation in the decennial headcount and identifies emerging social and political challenges that may threaten future census counts and contribute to the growing fragility of our national statistical system.