A Review of “The Ideology of Home Ownership: Homeowner Societies and the Role of Housing”

2009 ◽  
Vol 9 (4) ◽  
pp. 488-490
Author(s):  
Caroline Dewilde
Keyword(s):  
Home Ownership

scholarly journals Spatial variations in personal insolvency choices: The role of stigma and social capital

Urban Studies ◽  
2016 ◽  
Vol 54 (16) ◽  
pp. 3738-3754 ◽  
Author(s):  
Paul Bishop
Keyword(s):  
Social Capital ◽  
Home Ownership ◽  
Negative Impact ◽  
Spatial Variations ◽  
Spatial Econometric ◽  
Apparent Paradox ◽  
England And Wales ◽  
Spatial Econometric Models ◽  
Urban Rural

This article offers an explanation for the wide spatial variations in choice of insolvency route by personal debtors across local authorities in England and Wales. It is argued that formal bankruptcy has a more negative impact on social capital through stigma effects than the alternative of Individual Voluntary Arrangements. Consequently, spatial variations in choices are related to variations in social capital. The hypotheses derived from this approach are tested through the use of spatial econometric models utilising data from England and Wales. The results provide support for a positive link between variables related to social capital (age, mobility and home ownership) and choice of IVAs. It is argued that avoidance of stigma costs provides an explanation for the apparent paradox of the significant growth of IVAs despite their high cost to debtors compared to bankruptcy. Whilst there is only limited support for impacts directly related to the urban-rural environment, significant spatial interdependencies in choices across neighbouring areas are also uncovered.

scholarly journals Supported Home Ownership and Adult Independence in Milan: The Gilded Cage of Family Housing Gifts and Transfers

Sociology ◽  
2018 ◽  
Vol 53 (3) ◽  
pp. 519-537 ◽  
Author(s):  
Lidia KC Manzo ◽  
Oana Druta ◽  
Richard Ronald
Keyword(s):  
Moral Reasoning ◽  
Home Ownership ◽  
Qualitative Interviews ◽  
Family Welfare ◽  
Intergenerational Support ◽  
Life Course Transitions ◽  
Original Dataset ◽  
Family Housing ◽  
Housing Assets

This article analyses practices of intergenerational support for homeownership among different generations of families in Milan, Italy, highlighting the role of housing in family welfare relations and life-course transitions. It makes use of an original dataset of qualitative interviews investigating homeownership pathways and the negotiations of support that they pre-suppose. The article explores the meanings and moral reasoning behind the decision to accept (or not) support in context of contemporary discourses surrounding the liquidity and availability of housing and finance. It highlights the moral compromises and emotional negotiations inherent in the giving and receiving of support for housing, contributing to a body of literature concerned with the reproduction of home and family. Furthermore, it stresses the importance of homes and housing assets in mediating dependence and re-affirming family bonds within a family-oriented welfare context, despite conflict, resistance and frustrated aspirations.

Retirement concerns and financial literacy in Brunei

2020 ◽  
Vol 40 (3/4) ◽  
pp. 342-365
Author(s):  
Pg Md Hasnol Alwee Pg Hj Md Salleh ◽  
Roslee Baha
Keyword(s):  
Financial Literacy ◽  
Home Ownership ◽  
Pension Reform ◽  
Defined Benefit ◽  
Defined Contribution ◽  
Content Type ◽  
Financial Advice ◽  
Knowing How ◽  
Retirement Plan

PurposeDespite the inclusion of financial literacy in retirement studies, there are limited studies that look into retirement concerns and how financial literacy plays a role in managing retirement concerns. Understanding retirement concerns prior to retirement is important given how it affects retirement satisfaction. Therefore, this paper aims at assessing the retirement concerns in Brunei and the role of financial literacy in managing those concerns.Design/methodology/approach700 government employees, divided into three groups, were interviewed: Defined Contribution Plan (DCP) employees retiring in the next 10–15 years, DCP employees retiring in 20–30 years' time and Defined Benefit Plan (DBP) employees retiring in the next 10 years. Pearson's chi-square tests and logistic regressions were used to ascertain significant relationships.FindingsThe results indicate the relatively younger DCP group is more likely to be financially literate compared to senior groups however, these respondents are more inclined to focus on private home ownership at this juncture. The findings also indicate the importance of knowing how much to save for retirement towards determining those with an additional retirement plan, and consequently reducing their retirement concerns. The value of financial advice is also significant in determining the amount to save for retirement and in possessing an additional retirement plan.Research limitations/implicationsResults cannot be generalised to the population, as purposive sampling was utilised due to the absence of a population frame.Practical implicationsThe implications of the paper may provide value to policymakers to consider approaches to enhance the quality of financial advice and provide sound knowledge in computing the amount needed for retirement. Understanding the role of financial literacy vis-à-vis retirement concerns may also be useful for neighbouring countries with similar socio-cultural aspects such as Malaysia.Originality/valueGiven the limited research on retirement concerns and financial literacy, this paper is one of the few to emphasise on the importance of knowing how much is needed to save for retirement, in relation to retirement concerns. This may also be useful in other countries/communities with similar retirement context such as those with relatively low retirement planning or with similar retirement schemes. Further, with the 1993 pension reform, there is no known publication on retirement concerns and expectations in Brunei. Left unchecked, it may lead to poverty in old age and/or dependency on welfare institutions and family support.

scholarly journals Демографический дайджест

2016 ◽  
Vol 3 (3) ◽  
pp. 170-188
Author(s):  
Илья Савельевич Кашницкий
Keyword(s):  
Home Ownership ◽  
Later Life ◽  
European Population ◽  
Second Home ◽  
Internal Migrants ◽  
Recent Trends ◽  
The Impact ◽  
Migration And Development

Murphy M. The Impact of Migration on Long-Term European Population Trends, 1850 to PresentKelle J.,  A.O. Haller. Who Benefits from Economic Growth? Work and Pay in BrazilVictora C.G., R. Bahl, A.J.D. Barros, G.V.A. França, S. Horton, J. Krasevec, S. Murch, M.J. Sankar, N. Walker, N.C Rollins. Breastfeeding in the 21st century: epidemiology, mechanisms, and lifelong effect Stillwell J., M. Thomas. How far do internal migrants really move? Demonstrating a new method for the estimation of intra-zonal distanceMarjavaara R., E. Lundholm. Does Second-Home Ownership Trigger Migration in Later Life?Bell M., E. Charles-Edwards, P. Ueffing, J. Stillwell, M. Kupiszewski, D. Kupiszewska. Internal Migration and Development: Comparing Migration Intensities Around the WorldGoujon A., S. KC, M. Speringer, B. Barakat, M. Potancoková, J. Eder, E. Striessnig, R. Bauer, W. Lutz. A harmonized dataset on global educational attainment between 1970 and 2060 – an analytical window into recent trends and future prospects in human capital developmentCooray A., F. Schneider. Does corruption promote emigration? An empirical examinationUeffing P., F. Rowe, C.H. Mulder. Differences in Attitudes towards Immigration between Australia and Germany: The Role of Immigration Policy

scholarly journals Local and international dimensions of credit provision by commercial banks in Kenya

2017 ◽  
Vol 12 (3) ◽  
pp. 87-99
Author(s):  
Roseline Misati ◽  
Anne Kamau
Keyword(s):  
Interest Rates ◽  
Commercial Bank ◽  
Home Ownership ◽  
Bank Lending ◽  
Bank Loans ◽  
Foreign Banks ◽  
Interest Rate Spread ◽  
Bank Ownership ◽  
Main Determinants

Although considerable research has focused on the determinants of credit to the private sector, the issue still remains controversial, particularly with respect to the role of foreign banks in emerging markets. This study sought to understand the factors that affect lending of commercial bank loans both in form of foreign and local loans. It used panel data methods on quarterly bank-specific data covering the period from 2000 to 2013. In general, the results reveal that the ownership structure, housing variable and the size of the bank are the main determinants of aggregate commercial bank lending. This conclusion is maintained even when the determinants of foreign loans and local loans are specifically examined separately. However, the role of the liquidity measure is in not consistent in the different specifications while the role of interest rates is largely in line with expectation in most of the specifications. Implicitly, the results seem to suggest a need for mergers of small banks, policy focus on incentives for more local bank ownership and continued efforts on minimization of interest rate spread, which not only promote mortgage financing and home ownership, but also overall credit growth.

Home Ownership and the Role of Government

2019 ◽  
pp. 135-175
Author(s):  
Hal Pawson ◽  
Vivienne Milligan ◽  
Judith Yates
Keyword(s):  
Home Ownership ◽  
Role Of Government
Sign in / Sign up

Export Citation Format

Share Document