Political Economies of Acute Childhood Illnesses: Measuring Structural Racism as Mesolevel Mortgage Market Risks

Objectives: Health studies of structural racism/discrimination have been animated through the deployment of neighborhood effects frameworks that engage institutional­ist concerns about sociopolitical resources and mobility structures. This study high­lights the acute illness risks of place-based inequalities and neighborhood-varying race-based inequalities by focusing on access to and the regulation of mortgage markets.Design: By merging neighborhood data on lending processes from the Home Mortgage Disclosure Act with individual health from the Project on Human Development in Chicago Neighborhoods, this article evalu­ates the acute childhood illness risks of four mutually inclusive, political economies using multilevel generalized linear models.Setting: Chicago, IL, USAParticipants: Youth aged 0 to 17 yearsMethods: Multilevel logistic regressionMain Outcome Measures: The prevalence of 11 acute illnesses (cold/flu, sinus trouble, sore throat/tonsils, headache, upset stom­ach, bronchitis, skin infection, pneumonia, UTI, fungal disease, mononucleosis) and the past-year frequencies of 6 acute illnesses (cold/flu, sinus trouble, sore throat/tonsils, headache, upset stomach, bronchitis) are evaluated.Results: The most theoretically consistent predictor of illness is a measure identifying neighborhoods with above-city-median levels of racial disparities in the regulation of loans – a mesolevel measure of structural racism. In areas with high levels of Minority- White differences in less regulated credit, youth are more likely to have a range of acute illnesses and experience them at more frequent intervals in the past year.Conclusions: This article highlights the substantive and methodological importance of focusing on multidimensional representa­tions of institutionalized political economic inequalities circumscribed and traversed by the power relations established by institu­tions and the state.Ethn Dis.2021;31(Suppl1):319-332; doi:10.18865/ed.31.S1.319

Influence of Socio-Economic Factors on the Development of the Home Mortgage Lending Market: The Case of the Vologda Region

Introduction. Mortgage lending plays an important role both for the banking system and for the country’s economy as a whole. In addition to the main function of providing people with comfortable housing, mortgage system development stimulates various areas of the country's economy and creates conditions conducive for investment. The purpose of the paper is to single out the factors that have a negative impact on the home mortgage lending market on the basis of the case study of the Vologda Region. Materials and methods. The study was carried out on the basis of the statistical database of the Central Bank of the Russian Federation, data from an integrated housing development institution DOM.RF and the territorial body of the Federal State Statistics Service in the Vologda Region, as well as the Numbeo database ratings. Methods of comparison and observation, analysis and synthesis were used to study the statistics of the main indicators of the home mortgage lending market. Results. The main factors influencing the home mortgage lending market have been identified: high loan interest rates, low wages (insolvency of the client), an increase in overdue debts, high prices in the housing market, etc. The author has put forward recommendations for the development of the home mortgage lending market. Discussion and Сonclusion. The study has shown that the mortgage market in the Vologda Region has considerable growth potential and that credit institutions should work more carefully with clients, which will help to reduce overdue debts. The research materials may be useful to researchers exploring the economic issue under consideration, as well as to commercial banks, regional and local authorities that can contribute to the development of mortgage lending.

The Neighborhood Attainment of Mixed-Race Couples across the Black/White Spectrum

With the removal of legal barriers to mixed-race marriage, there has been a consistent increase in the number of Black-White couples. This has coincided with growth in the number of Black-White individuals who have formed couples with a Black or White partner. Little is known, however, about how these couples function within a key area of stratification—neighborhood attainment. We use data from the Home Mortgage Disclosure Act and the U.S. Census to investigate the percentage of Whites and the average income in the neighborhoods of home-purchasing couples defined by their levels of Black and White representation. These couples being White couples, Black-White individuals with White partners, Black-White couples, Black-White individuals with Black partners, and Black couples. Findings reveal that the percentage of Whites and average income in the neighborhoods of couples decrease as couples increase in Black representation. These results have implications for our understanding of the contemporary color line.

New Faces, New Neighbors? How Latino Population Growth and Lending Expansion Shapes the Neighborhood Racial and Ethnic Composition for White and Latino Homebuyers

Fueled by increased socioeconomic status (SES), geographic mobility, and access to lending, Latino home buying expanded during the recent housing boom. However, less is known about the types of neighborhoods Latino homebuyers accessed during this time. To address this gap, we explore how SES, mortgage type, and the metropolitan racial and ethnic context affected the racial and ethnic composition of neighborhoods for new white and Latino homeowners. We use data from the Home Mortgage Disclosure Act to explore these processes in 317 U.S. metropolitan areas from 2000 to 2010. Overall, we find evidence supporting both spatial assimilation theory and place stratification theory: while increased SES and loan amounts led to more white neighbors for both white and Latino homebuyers, subprime loans and the racial and ethnic context of metropolitan areas continue to constrain neighborhood attainment for Latinos.

Non- Bank Islamic Mortgage in Maqashid al-Sharia Perspective

Home mortgage or KPR is regarded as an alternative answer for possessing a house recently, Home mortgage should be possible either through Conventional bank and sharia bank. However, recently there have been new alternatives of owning home by using non-bank Islamic mortgage. Where the mortgage can presently be directly handled by the developer without involving the bank. The issues of this Paper are describing the opinion that non-Bank Islamic Mortgage is more sharia than Islamic Banking in providing Islamic Housing, such as no BI Checking, no riba, no fines, no confiscation, and etc. The purpose of this research is to identify the scheme of non-bank Islamic Mortgage, and analyse the scheme in Maqasid Sharia perspective as Importance foundation in religion. The methods in this study are descriptive analysis research. The data used is secondary data and data collection techniques are literature studies. After discussing, the results showed that Non-Bank Islamic Mortgage cause a lot of harm in term of customer and sharia developer it self in Maqāsid Sharia perspective.