Results 101 to 110 of about 12,419 (236)

‘Set Up to Fail’: The ‘Pains’ of Post‐Prison Transitional Housing as a Barrier to Desistance From Crime

The Howard Journal of Crime and Justice, EarlyView.
ABSTRACT Drawing on qualitative data among a sample of people leaving prison in Aotearoa New Zealand, this article explores how post‐prison transitional housing impacts desistance from crime and motivation to desist. While transitional housing is designed to support reintegration, our findings reveal that it can also produce unintended impacts—or ...
Alice Mills, Grace Low, Cinnamon Lindsay Latimer   +2 more
wiley   +1 more source

“No place like home”: the plight of low-income earners in accessing housing subsidies in New Brighton, Gqeberha, South Africa

Frontiers in Sustainable Cities
Assisting the poor through housing subsidies is an international practice, however, in poorer countries, homeownership has been a challenge. South Africa has been experiencing backlogs in housing emanating from several factors, such as urbanisation ...
Funeka Mgidlana, Sijekula Mbanga, Purity Hamunakwadi   +2 more
doaj   +1 more source

"Housing Inequality in the United States: A Decomposition Analysis of Racial and Ethnic Disparities in Homeownership" [PDF]

In recent years, as the homeownership rate in the United States reached its highest level in history, homeownership itself remained unevenly distributed, particularly along racial and ethnic lines.
Sanjaya DeSilva, Yuval Elmelech
core  

The Short and the Long of It: Stock‐Flow Matching in the US Housing Market

International Economic Review, EarlyView.
ABSTRACT From 2006 until 2020, the probability of selling a house in the U.S. declined sharply after listing for 2 weeks. Moreover, sales within the first 2 weeks of listing (“quick sales”) and sales happening afterward (“slow sales”) behaved differently over the housing cycle.
Eric Smith, Zoe Xie, Lei Fang
wiley   +1 more source

College Loans and Human Capital Investment

International Economic Review, EarlyView.
ABSTRACT College loans facilitate access to education, but the repayment burden may distort posteducation human capital investment. We examine the role of college loans and loan repayment policies through a structural model of individuals' dynamic decisions on borrowing/saving, labor supply, and costly human capital investment. We estimate two versions
Chao Fu, Hsuan‐Chih (Luke) Lin, Atsuko Tanaka   +2 more
wiley   +1 more source

The effectiveness of homeownership in building household wealth [PDF]

The recent economic and financial crisis and the current slow recovery highlight that homeownership plays a critical role in the U.S. economy. The estimated “equivalent rent” implicitly paid by homeowners accounts for more than 8 percent of gross ...
Jordan Rappaport
core   +2 more sources

Housing Wealth and Consumption: The Role of Heterogeneous Credit Constraints

International Economic Review, EarlyView.
ABSTRACT We quantify the role of heterogeneity in households' financial constraints in explaining the link between the decline in aggregate consumption and the decline in house values between 2006 and 2009 using individual‐level data. Constraints that are triggered by a decline in house values, and a small fraction of consumers facing particularly ...
S. Borağan Aruoba, Ronel Elul, Şebnem Kalemli‐Özcan   +2 more
wiley   +1 more source

On the Negative Relationship between Labor Income Uncertainty and Homeownership: Risk Aversion vs. Credit Constraints [PDF]

In this paper we test for the first time whether the driving force behind the negative effect of income uncertainty on owner-occupancy propensities is risk aversion or credit constraints.
Luis Diaz-Serrano
core  

Bank geographic deregulation, new credit accounts, and consumer credit

Journal of Financial Research, EarlyView.
Abstract The bank deregulation literature documents positive effects of intrastate branching—allowing expansion of bank‐branch network within a state—on real economic outcomes such as income growth, income insurance, income inequality, and homeownership.
Chintal Ajitbhai Desai
wiley   +1 more source

Misalignment of Housing Growth and Population Trends: Cohort Size and Lagging Measurements Through Recession and Recovery

RSF: The Russell Sage Foundation Journal of the Social Sciences
Population and housing growth are closely linked in the U.S. Census, less so in analysis. Overlooked changes in cohort size and lagged measurements have misled about current housing preferences, and quantity of housing needed, with mistiming producing ...
Dowell Myers, Hyojung Lee, JungHo Park
doaj   +1 more source