JUST HOW RISKY? COMPARATIVE INSTITUTIONAL RISKS OF MISSION-BASED DEPOSITORY INSTITUTIONS

2020 ◽  
Vol 25 (04) ◽  
pp. 2050023
Author(s):  
GREGORY B. FAIRCHILD ◽  
MEGAN E. JUELFS
Keyword(s):  
Community Development ◽  
Underserved Populations ◽  
The United States ◽  
Prima Facie ◽  
Minority Communities ◽  
Ceteris Paribus ◽  
Depository Institutions ◽  
Institutional Failure ◽  
Banking Institutions ◽  
Predictive Likelihood

We examine the relative institutional failure risks for three sets of bank depositories: Community Development Banking Institutions (CDBIs), Minority Depositories (MDIs) and what we term Non-Mission Depository Institutions (NMDIs). CDBIs have primary missions of community development and serving underserved populations; MDIs are typically led by minorities and serve minority populations (a single institution can be both a CDBI and an MDI, either or neither). In this analysis, NMDIs represent all other depository banks. Given their operation within lower-income and minority communities, MDIs and CDBIs appear, prima facie, to face greater institutional failure risks. We examine these risks across each set of institutions, ceteris paribus. Utilizing data from a number of sources, including the Reports of Condition and Income (call reports) for a substantial set of FDIC-insured banks in the United States, we apply a modified Capital, Assets, Management, Earnings and Liquidity model (CAMEL) to measure the predictive likelihood of failure. Recognizing that MDIs are not homogeneous, we also examine relative institutional failure across types of depositories. The results indicate that CDBIs and MDIs are systematically at lower failure risks and that there are differences across service designations.

scholarly journals Recruiting Underrepresented Minorities to Chiropractic Colleges

2006 ◽  
Vol 20 (2) ◽  
pp. 123-127 ◽  
Author(s):  
Alana Callender
Keyword(s):  
United States ◽  
Minority Students ◽  
Role Models ◽  
Underserved Populations ◽  
The United States ◽  
Underrepresented Minorities ◽  
Minority Populations ◽  
Underrepresented Minority ◽  
Minority Communities ◽  
Student Groups

Background: Admissions departments at chiropractic colleges across the United States are under continual pressure to recruit students. The underrepresented minority populations in the United States are potential markets for chiropractic patients, students, and doctors. Objective: To assess the current diversity recruiting practices of the chiropractic colleges. Methods: Directors of admissions of the chiropractic colleges were polled to identify recruiting programs and their success. Results: Sixteen of the 17 colleges were polled. Nine of the respondents had no program for targeted underserved populations and seven did have such a program. Five colleges employed several methods to work with universities to recruit underserved populations. Other strategies included outreach via student groups and alumni recruiters. Conclusion: Programs to attract minority students can be created and infrastructure can be provided but they are nearly useless without role models. Encouraging alumni participation to raise awareness of chiropractic in minority communities may be a step toward a profession more reflective of America's population.

GOOD MONEY AFTER BAD? THE COMPARATIVE EFFICIENCY OF MINORITY DEPOSITORY INSTITUTIONS

2020 ◽  
Vol 25 (01) ◽  
pp. 2050002
Author(s):  
GREGORY B. FAIRCHILD ◽  
YOUNG KIM ◽  
MEGAN E. JUELFS ◽  
ARON BETRU
Keyword(s):  
United States ◽  
Relative Efficiency ◽  
Economic Status ◽  
The United States ◽  
Prima Facie ◽  
Depository Institutions ◽  
Comparative Efficiency ◽  
The 2008 Financial Crisis ◽  
Using Data ◽  
Racial Ethnic

We examine the relative efficiency of a unique set of banks, Minority Depository Institutions (MDIs). MDIs are led by minorities and typically serve minority populations. Given Social Economic Status (SES) skews across racial/ethnic groups in the United States, operation within minority communities appear, prima facie, to be relatively expensive and thus inefficient. We examine the return on assets (ROA) and small business lending efficiency of MDIs when compared to what we categorize as “non-MDI” depositories, ceteris paribus. We also examine these institutions for a period that includes a recent environmental shock, the 2008 financial crisis and the post-recessionary period. Using data from the Reports of Condition and Income (call reports) for a substantial set of FDIC-insured banks in the United States, we apply a data envelopment analysis (DEA) to determine how a set of MDIs perform relative to comparable institutions. Recognizing that MDIs are not homogeneous, we also examine relative efficiency across types of MDIs by racial/ethnic grouping. The results indicate that MDIs are not less efficient systematically and that there are differences across MDI types.

Classroom Music Experiences of U.S. Elementary School Children

2014 ◽  
Vol 62 (1) ◽  
pp. 4-17 ◽  
Author(s):  
Peter Miksza ◽  
Brent M. Gault
Keyword(s):  
Elementary School ◽  
School Children ◽  
Students Of Color ◽  
Elementary School Children ◽  
Underserved Populations ◽  
The United States ◽  
Music Instruction ◽  
School Year ◽  
Representative Study ◽  
Nationally Representative

The primary purpose of this study was to describe the music experiences elementary school children in the United States receive in the academic classroom setting. The data were drawn from the Early Childhood Longitudinal Study of the Kindergarten Class of 1998–1999 (ECLS-K), a nationally representative study that followed kindergarteners through to their eighth-grade school year with the last data collection wave in 2006–2007. The variables pertaining to music experiences in the academic classroom that were available in the ECLS-K were (a) the frequency and duration with which children received music instruction, (b) the frequency that music was used to teach math, and (c) the percentage of children receiving formal music instruction outside of school. Each of these variables also was analyzed as a function of child urbanicity, socioeconomic status (SES), and race. Statistically significant ( p < .001) disparities among children based on urbanicity, SES, and race were found on each of the music experience variables. Overall, White suburban students of high levels of SES tended to receive significantly more music experiences than students of color from urban and rural settings and of low SES. The findings support the need to advocate for high-quality music programs for all students and particularly for those from traditionally underserved populations.

An Innovative United States–Mexico Community Outreach Initiative for Hispanic and Latino People in the United States: A Collaborative Public Health Network

2021 ◽  
pp. 003335492097269
Author(s):  
Michael A. Flynn ◽  
Alfonso Rodriguez Lainz ◽  
Juanita Lara ◽  
Cecilia Rosales ◽  
Federico Feldstein ◽  
...  
Keyword(s):  
Public Health ◽  
United States ◽  
Health Services ◽  
Alaska Native ◽  
Underserved Populations ◽  
Community Outreach ◽  
The United States ◽  
Native People ◽  
Hispanic People ◽  
Mexican Government

Collaborative partnerships are a useful approach to improve health conditions of disadvantaged populations. The Ventanillas de Salud (VDS) (“Health Windows”) and Mobile Health Units (MHUs) are a collaborative initiative of the Mexican government and US public health organizations that use mechanisms such as health fairs and mobile clinics to provide health information, screenings, preventive measures (eg, vaccines), and health services to Mexican people, other Hispanic people, and underserved populations (eg, American Indian/Alaska Native people, geographically isolated people, uninsured people) across the United States. From 2013 through 2019, the VDS served 10.5 million people (an average of 1.5 million people per year) at Mexican consulates in the United States, and MHUs served 115 461 people from 2016 through 2019. We describe 3 community outreach projects and their impact on improving the health of Hispanic people in the United States. The first project is an ongoing collaboration between VDS and the Centers for Disease Control and Prevention (CDC) to address occupational health inequities among Hispanic people. The second project was a collaboration between VDS and CDC to provide Hispanic people with information about Zika virus infection and health education. The third project is a collaboration between MHUs and the University of Arizona to provide basic health services to Hispanic communities in Pima and Maricopa counties, Arizona. The VDS/MHU model uses a collaborative approach that should be further assessed to better understand its impact on both the US-born and non–US-born Hispanic population and the public at large in locations where it is implemented.

scholarly journals Contributions of Tourism to Community Development

2016 ◽  
Vol 8 (4) ◽  
pp. 121
Author(s):  
Mbagwu, Felicia. O ◽  
Bessong, Columbus. Deku ◽  
Anozie, Okechukwu. O
Keyword(s):  
Community Development ◽  
Group Discussion ◽  
Test Statistics ◽  
Cross River ◽  
Cross River State ◽  
High Extent ◽  
Banking Institutions ◽  
Research Findings ◽  
Level Of Significance ◽  
Descriptive Survey

This study focused on contributions of tourism to community development in Cross River State, Nigeria. Two research questions and two null hypotheses guided the study. The study adopted descriptive survey research design. The population used for the study was 357 respondents comprising, 101 community leaders and 256 tourism staff. A 21-item questionnaire and focus group discussion guide were used to elicit information from respondents and discussants. The questionnaire was analyzed using mean and standard deviation, t-test statistics was used to test the null hypotheses at 0.05 level of significance and the FGD was analyzed qualitatively. Findings from the study revealed among others, that tourism attracted banking institutions and communication industries; thus contributed to a high extent in economic development and very high extent in social development of Cross River State, Nigeria. Some recommendation was made based on the research findings.

scholarly journals Assessment of the borrower's credit capacity using discriminative analysis

2020 ◽  
pp. 25-28
Author(s):  
Olena SHEPTUKHA ◽  
Anna LAPTIEVA
Keyword(s):  
Discriminant Analysis ◽  
Western Europe ◽  
Correct Choice ◽  
The United States ◽  
Economic Security ◽  
Accurate Identification ◽  
Class A ◽  
Financial Condition ◽  
Banking Institutions ◽  
Probability Of Bankruptcy

Introduction. At the present stage of economic development in the organization of credit relations uses a significant number of approaches and methods to determine the creditworthiness of the borrower. Today, banking institutions are developing different approaches to the analysis of the borrower's creditworthiness. Moreover, each bank determines its own method of assessing the financial condition of a potential borrower, taking into account the specific terms of the contract. Assessment of creditworthiness of the enterprise by the method of discriminant analysis is carried out by calculating and interpreting the integrated indicator of financial condition. The purpose of the paper is to determine the nature and assessment of the borrower's creditworthiness using the methods of discriminant analysis. Results. Assessing the borrower's creditworthiness is a topical issue that affects the success and effectiveness of its lending activities. That is why the article is devoted to defining the nature and assessment of the borrower's creditworthiness using the methods of discriminant analysis. It assessed the creditworthiness of PJSC "Kharkiv Biscuit Factory" using foreign and domestic methods of assessing the creditworthiness of the borrower. It was determined that the main disadvantage of foreign models is that they are developed based on a study of enterprises in the United States and Western Europe. Weights are not adapted to modern conditions of transformation of the domestic economy and do not take into account the specifics of Ukrainian enterprises. These models have several significant limitations. They can be used only as additional models in parallel with modern domestic models. Calculating the probability of bankruptcy of PJSC "Kharkiv Biscuit Factory" according to foreign and domestic methods can give a clear conclusion about the financial condition of the enterprise. The above-mentioned methods demonstrate the absence of probability of bankruptcy at PJSC "Kharkiv Biscuit Factory". Conclusion. In general, the degree of reliability of the assessment of economic security of the enterprise and a set of necessary measures to prevent possible threats depend on the accurate identification of threats, the correct choice of a system of indicators for diagnosis. According to the results of calculations, it was determined that the company belongs to class A, which is characterized by high financial condition.

scholarly journals Negative health outcomes associated with food insecurity status in the United States of America: A systematic review of peer-reviewed studies

2018 ◽  
Author(s):  
Daniel Jose Arenas ◽  
Sara Zhou ◽  
Arthur Thomas ◽  
Jici Wang ◽  
Gilberto Vila Arroyo ◽  
...  
Keyword(s):  
United States ◽  
Systematic Review ◽  
Health Outcomes ◽  
Food Insecurity ◽  
United States Of America ◽  
Underserved Populations ◽  
The United States ◽  
Health Providers ◽  
Populations At Risk ◽  
Negative Health Outcomes

Introduction: Social determinants of health, such as food security, are an important target for health providers, particularly in the care of patients from underserved populations, including the uninsured and socially marginalized. Preliminary research has shown that food insecurity status (FIS) is associated with negative health outcomes.Objective: We aim to present a concise, yet comprehensive resource that lists the health outcomes associated with FIS. This guide is meant to provide innovative health providers with the tools needed to justify the importance of using FIS screening and treatment as a preventive medicine intervention.Methods: We conducted a systematic review of peer-reviewed manuscripts that studied FIS in the United States of America (USA) and at least one health outcome. We searched PubMed, Embase, Web of Science, and Scopus and had multiple reviewers examine each abstract and manuscript. We only retained peer-reviewed studies that contained USA data, directly measured FIS, and directly compared FIS to a health outcome.Results: The initial search yielded 1,817 manuscripts. After screening abstracts for duplicates and inclusion criteria, a total of 117 manuscripts were retained and fully examined. Several manuscripts showed significant association between FIS and neurologic, cardiac, endocrine, and pulmonary health outcomes. Studies in the USA population show robust associations between FIS and poor mental health (including depression, anxiety, sleep disorders, impaired cognitive functioning, and epilepsy), metabolic syndrome, hyperlipidemia, greater risk for bone fracture in children, higher risk of end-stage renal disease in patients with chronic kidney disease, self-reported poor health, and higher mortality in patients with the human immunodeficiency virus. Though other literature reviews show positive associations between FIS and health outcomes such as diabetes, body mass index, and hypertension, our systematic review showed mixed results.Conclusions: FIS leaves underserved populations at risk for negative health outcomes. More research should be done to examine the effects of FIS alleviation as a preventative medicine intervention.

Since Silent Spring: New Voices, New Analyses, and New Movements

2003 ◽  
Vol 12 (4) ◽  
pp. 319-334 ◽  
Author(s):  
H. Patricia Hynes
Keyword(s):  
United States ◽  
Civil Rights ◽  
Community Development ◽  
Environmental Policies ◽  
The United States ◽  
Agricultural Technologies ◽  
Rachel Carson ◽  
Non Profit ◽  
Silent Spring ◽  
Pollutant Discharge

Forty years ago, in the enormously praised and fiercely criticized book, Silent Spring, Rachel Carson demonstrated the dangers of pesticides to humans and ecosystems and called for precaution in their use. Yet, the majority of environmental regulations passed since 1962 have primarily addressed pollutant discharge rather than cleaner products and technologies. The number of active ingredients in pesticides used in the United States has risen from 32 in 1939 to 860 in recent times, while the overall volume of agrochemicals applied has nearly doubled since the publication of Silent Spring. The last 40 years have brought significant changes with respect to environmental policies, agricultural technologies, urbanization, civil rights, women's rights, the roles of non-profit organizations and community development, and increased poverty, hunger, and economic inequality. In recent years, new voices, new analyses, and new movements have emerged offering fresh perspectives on how we can answer Carson's clarion call to protect our planet and ourselves.

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