Loan delinquency in community lending organizations: Case studies of neighborworks organizations

Abstract

This article reports on qualitative data gathered through interviews conducted in 1996 with key leadership and staff from 13 community lending organizations. Loan servicing and collection procedures within the organizations were examined. Findings suggest that several organizational factors of nonprofit lenders are related to their loan delinquency rates: social networks, business culture, funding sources, composition of the board and loan committees, staff structure, loan intake, and collection tools.

The study also finds that the nonprofit sector's institutional environment and its partnership with the private sector in a mutually beneficial process influence the loan delinquency rate. More specifically, active participation of local bankers in NeighborWorks¹ loan committees, diverse funding sources (from both the public and private sectors), and a diffusion of business practices through dense social networks are related to NeighborWorks’ loan servicing and collection policy and procedures. These factors in turn influence NeighborWorks’ rehabilitation loan delinquency rates.     

Sport,civil society and social integration: The case of Norwegian voluntary sport organizations

Abstract

Voluntary sport organizations make up the largest part of voluntary sector in many countries. Yet, in light of the renewed social and political interest in civil society, we do not know very much about how sport organizations operate and function. Accordingly, this article addresses the question of how voluntary sport organizations contribute to social integration through differences in community structures. First a theoretical framework making it possible to distinguish between various forms of community structures—strong, weak, mediated and pragmatic communities—is developed. Then, the first empirical part describes how members in sport organizations belong to such various forms of communities. Next, the article explains differences in social integration through social background, variation in participation in sports and various recruitment channels. Finally, the article explores how differences in community structures matters for the experience of sport activity, for organizational democracy and social capital (trust and political interests).     

Participation in hard times: how constrained government depresses turnout among the highly educated

Existing studies on electoral turnout in times of economic crisis have predominantly focused on disadvantaged voters. However, during the recent economic crisis, turnout among highly educated citizens has strongly declined as well. Existing resource-based theories of political participation cannot account for this. This article suggests that the anticipation of government inefficacy is an important driver of abstention among highly educated. Where governments are severely constrained, these citizens anticipate that the hands of future governments will be tied. Hence they are more likely to abstain out of frustration or rational calculations. The study uses the recent economic crisis as test case, as it entails particularly acute constraints on several European governments. The cross-sectional and longitudinal evidence – based on ESS survey data and different measures of government constraint in 28 European countries – provides ample support for the argument.     

Nonprofits and Civic Engagement

There are approximately 800,000 501(c)(3) nonprofits large enough to register with the federal government. Add churches, foundations, and nonprofits too small to register, and the number is far higher than that. The potential for nonprofits to engage their clients and members in community affairs and public policy making is, in theory, enormous. Yet, perversely, nonprofits are regulated by the federal government in such a way that discourages the involvement of their followers in the public policymaking process. This is a problem, not simply because we social scientists believe civic engagement is a good thing, but because these regulatory standards sharply skew public participation. Although middle- and upper-class individuals have many organizations that engage and mobilize them, nonprofits usually are the only organizations that work on behalf of the poor, those without health insurance, immigrants, the disabled, and most other marginalized constituencies. Put bluntly, federal law works against the participation of the most disadvantaged in society.     

Do Better Monitoring Institutions Increase Leadership Quality in Community Organizations? Evidence from Uganda

We offer a framework for analyzing the impact of monitoring—a commonly recommended solution to poor leadership—on the quality of democratically elected leaders in community organizations in low‐income countries. In our model, groups may face a trade‐off between leader ability and effort. If the group's ability to monitor the leader is low, then the leader may exert too little effort. A higher level of monitoring increases leader effort, raising the value of the public good. However, more intense monitoring may also drive higher‐ability members to opt out of candidacy, reducing public‐goods value. The result is an inverted U‐shaped relationship between the level of monitoring and the value of the public good. The trade‐off between leader effort and ability, however, only exists in the presence of sufficient private‐income opportunities. These predictions are assessed using original data gathered from Ugandan farmer associations.     

Predictors of success in a participatory village development project in Thailand

Participatory development strategies are known to mobilize rural resources, but their effectiveness depends on local conditions. This article evaluates the potential importance of three facilitating factors: competing opportunities, development experience, and local leadership. The impact of these factors on project outcome is examined through study of a rural development project undertaken from 1982 to 1985 in southern Thailand. The project used participatory techniques to build self-guided problem-solving groups in 21 poor villages. The village groups launched income-generating, health, education and related efforts that attracted the participation of large numbers of village residents. Comparison of the village project experiences confirms that: participatory strategies are more effective in villages that (1) are relatively isolated from competing urban opportunities (villagers are more prepared to invest their own resources in the community); (2) have prior experience with development efforts and community endeavours (villagers are more open to learning new approaches); (3) hold greater confidence in traditional village leaders and local government agents. When local leadership is not held in great confidence, participatory strategies are found to encourage the emergence of new leadership that can successfully guide project efforts.     

Paternalistic or Participatory Governance? Examining Opportunities for Client Participation in Nonprofit Social Service Organizations

Nonprofits represent a substantial group of third-party agents that deliver public services, yet little is known about the extent to which these organizations embrace participatory governance practices. Using survey data from nonprofit social service agencies in Michigan, the author examines how these organizations provide opportunities for client participation and identifies factors that contribute to these practices. Four methods of securing client involvement are examined: participation in agency work groups, client feedback surveys, advisory boards and committees, and client service on the agency board of directors. The results indicate that government funding plays a systematic role in promoting these activities within nonprofits. These findings carry important implications for the government–nonprofit contract relationship by demonstrating that government funding shapes the practices of nonprofits in ways that promote democratic governance.     

Transitions from AFDC to SSI before welfare reform

The Supplemental Security Income (SSI) and Aid to Families with Dependent Children (AFDC) programs serve populations with similar characteristics. SSI serves adults and children with disabilities who are in low-income families, and AFDC serves low-income families with children. Because of that overlap, policy changes in one program can affect the other. In 1996, Congress enacted the Personal Responsibility and Work Opportunity Reconciliation Act, which transformed AFDC into the Temporary Assistance for Needy Families (TANF) program. Many people have expected that implementing that welfare reform legislation would eventually increase SSI participation, for two reasons. First, TANF includes new work requirements and time limits that induce more AFDC/TANF recipients with disabilities to obtain SSI benefits. Second, the change in the funding mechanism--from open-ended funding on a matching basis for AFDC to cash assistance block grants for TANF--gives states a stronger incentive to shift welfare recipients to SSI. This article examines the interaction between the SSI and AFDC programs in the prereform period (1990 to 1996) and discusses the potential implications of welfare reform on that interaction. Using matched data from the Survey of Income and Program Participation and Social Security Administration (SSA) records, our analysis focuses on how the interaction of those programs affects young women (aged 18 to 40) and children (aged 0 to 17). We find a very strong link between AFDC and SSI for young women and children. Significant portions of young female and child SSI beneficiaries in the 1990-1993 period were in AFDC families or had received AFDC in the past. In addition, a substantial share of young women and children who received AFDC during that period eventually entered SSI. Because the SSI program is now serving a much larger population of families with young women and children than in the past, SSA might need to develop policies to better serve that group. The findings also suggest that the prereform period is a poor baseline against which to measure the impact of TANF, primarily because of the instability in programs and policies.     

Eleven theses on markets and civil society1

Abstract

Civic engagement, through voluntary associational membership, is touted as the keystone of community. It is within these groups where people get a chance to come together to form the necessary social network connections needed to accomplish collective endeavors. Civic engagement can have a bridging effect, bringing disparate people and communities together. Civic engagement can also have a bonding effect on members, which builds strong in-group ties, putting the membership at odds with outsiders. This article examines the relationship between voluntary associations and social network diversity. Since civic engagement is considered a resource, vis-à-vis social capital (where more is always better), the relationship between social network diversity and multiple group membership is isolated. The type of group is also taken into consideration, because the nature of some organizations, e.g., religious and neighborhood associations, can prove an impediment to diversity. Using the national sample of the ‘Social Capital Community Benchmark Survey, 2000,’ I find that membership in voluntary civic organizations has a positive relationship with social network diversity in the United States. Multiple group membership, as well as participation in neighbourhood associations and arts and book clubs, shared a positive relationship with social network diversity.     

Women in the driving seat: Eastern European immigrant women's citizenship,participation and educational inclusion in Portugal

This paper is a case study of Eastern European immigrant women's social inclusion in Portugal through civic participation. An analysis of interviews conducted with women leaders and members of two ethnic associations provides a unique insight into their migrant pathways as highly educated women and the ways in which these women are constructing their citizenship in new contexts in Northern Portugal. These women's accounts of their immigrant experience embrace both the public realm, in using their own education and their children's as a means of integration but also spill over into ‘non-public’ familial relationships at home in contradictory ways. These include the sometimes traditional, gender-defined division of labour within the associations and at home and the new ways that they negotiate their relative autonomies to escape forms of violence and subordination that they face as women and immigrants.     

Women and Sport in Scandinavia: Policy, Participation and Representation

Throughout the 20th century women have gradually gained access to sporting activities but it is only in recent decades that they have become widely represented in the decision-making bodies of sport. How can we account for this development and the weak position of women in sport? The perspective in this article is historical and three levels of explanation are considered. To what extent can the developments be explained as the result of public policy, the organization and policy of the voluntary associations and federations and by the action or predispositions of (groups of) women themselves. The article presents an overview of the state of the art in the research on women and sport in Scandinavia in the sense that new data have been collected and existing research and writings are being reviewed. By questioning central myths about sport and politics, and about the roles women play, it is shown that the role of women in sports is related bom to gaining access to the sporting activities per se and to the fora where decisions are being made, and that this access has been hampered as well as facilitated by government policies and policies of associations and interest organizations of the sports world. Government policies, however, cannot account for the remarkable changes in physical participation and democratic representation of women in sports which has taken place during the past century. The policies of the voluntary sports associations and federations are of greater importance. But the key to the understanding is found among the women themselves. So it is argued that physical performance and involvement in management and decision-making are dependent not only on formal structures and the policies of governments and interest organizations, but to a large extent upon the way in which women see themselves. This argumentation rests on the available data and a critical reading of the literature and research on women and sport in Scandinavia.     

From Birth to School: Early Childhood Initiatives and Third‐Grade Outcomes in North Carolina

This study examines the community‐wide effects of two statewide early childhood policy initiatives in North Carolina. One initiative provides funding to improve the quality of child care services at the county level for all children between the ages of 0 to 5, and the other provides funding for preschool slots for disadvantaged four‐year‐olds. Differences across counties in the timing of the rollout and in the magnitude of the state financial investments per child provide the variation in programs needed to estimate their effects on schooling outcomes in third grade. We find robust positive effects of each program on third‐grade test scores in both reading and math. These effects can best be explained by a combination of direct benefits for participants and spillover benefits for others. Our preferred models suggest that the combined average effects on test scores of investments in both programs at 2009 funding levels are equivalent to two to four months of instruction in grade 3.     

Taking Nonprofit Intermediaries Seriously: A Middle‐Range Theory for Implementation Research

The federal government often works through nonprofit intermediaries to reach and empower communities in the United States. One increasingly popular policy strategy is to offer grant funding to intermediary organizations in an effort to strengthen communities. Funded intermediaries are tasked with building the capacity of faith‐based and community organizations at the local level, but the policy theory that informs these programs does not specify how these capacity‐building efforts will lead to stronger communities. Missing is a middle‐range implementation theory that links inputs to community‐level changes through the actions of an intermediary. Derived from empirical case study evidence using process‐tracing analysis, the theory of the community‐integrated intermediary posited in this article helps fill that gap.     

Participation in local politics in Norway: Some do,some don't; some will,some won't

Using data from two national surveys conducted in 1990 and 1993, this article investigates seven modes of sociopolitical behavior and one form of potential political participation in the context of Norwegian local government. Results indicate that factors associated with alternative modes of activity vary; different types of people tend to choose different channels of involvement. The most pronounced difference is found between activities directed toward influencing public opinion and those intended to influence political decision making more directly. Whereas the former mode is more typically chosen by younger, well-educated single women living in urban areas, the latter is more characteristic of married, better educated men living in smaller municipalities. Findings are characterized by a high degree of stability over the period considered. Only in the case of voting is there a suggestion of some possible change. After decades in which socioeconomic status variables have been of little significance for voting in Norway (a situation explained by the mobilizing effects of organizations), an effect of education was found in the 1993 survey. Also noteworthy is the distribution of participation among the population: rather than being cumulative, different forms of political involvement are relatively widespread.     

From seaside to Southside: New urbanism's quest to save the inner city

Abstract

In this article, we use a random sample of urban community development corporations (CDCs) to determine whether distinct types exist and, if so, to estimate their prevalence in the industry. The typical urban CDC has a diversified portfolio of economic and social development activities, including community organizing, and is likely to have a housing development program, although not necessarily a large one because relatively few are high producers.

Large‐scale housing producers, defined in the study as having produced at least 500 units during the previous 10 years, comprise 18 percent of CDCs. A large organizational capacity, an affiliation with national intermediaries, the training of staff and the adoption of computers, the length of executive directors’ tenure, and the share of funding devoted to housing programs are the most important factors increasing the odds that a CDC will belong to the group of high producers.     

Helen Holt: A Centenarian's Reflections on a Lifetime of Public Service

Women have made great strides in the past 100 years. As the iconic cigarette commercial told us almost 50 years ago, “You've come a long way, baby!” Yet women are still underrepresented in the highest leadership ranks, including state and federal office. Before being asked to “lean in” or share valuable insights, a small group of very capable women were leaders long before those two words were seen in the same sentence. One such remarkable woman, Helen Holt, was a “servant‐leader” throughout her illustrious and inspiring career as a member of West Virginia's House of Delegates, then as secretary of state (1957–58), and later as a presidential appointee charged with developing the nation's nursing home system. Holt's work in state and federal government, her appointment by seven U.S. presidents to develop and implement the national nursing home program that is still in use today, and her leadership in civic and nonprofit organizations have made her an inspiration to countless women and men.     

CASH TRANSFERS BY THE QUEENSLAND STATE GOVERNMENT TO NON-GOVERNMENT ORGANIZATIONS

Abstract: This is the first in a series of studies into cash transfers from the State government to non-government organizations in Queensland. It focuses particularly on transfers from the Departments of Welfare Services and Children's Services. Information has been obtained from public government documents, departmental files and records, and from interviews with representatives of eight non-government organizations in receipt of cash transfers. The study documents the pattern and process of transfers and explores existing means of achieving accountability, accessibility, effectiveness, efficiency and equity. While transfers to the non-government sector in Queensland are a well established practice, the proportion of government funds going to the non-government sector is small. The larger, well-established organizations receive the most and are best satisfied with their relationship to government. It would appear that much could be done to improve accessibility to government transfers in Queensland, where program accountability has not been emphasized. The final section of the paper questions the advisability of jumping on the program evaluation bandwagon. The need for more research into the impact of government funding on program development, efficient use of resources, social cohesion, political position and meeting the most pressing needs in the community is emphasized. Glennerster's "pluralist planning model" is suggested as a possible guide for improving the process of allocation of transfers in Queensland.     

Who Gains from Charitable Tax Credit Programs? The Arizona Model

The Bush administration and some states have promoted charitable tax credits as a way to increase private charitable giving, to support antipoverty programs, and to allow taxpayers to directly determine the utility and effectiveness of nonprofit services. Looking at Arizona's charitable tax credit program, this study assesses the strengths and limitations of this policy approach. Although charitable giving increased during the first two years of the program (1998 and 1999), tax returns from 2000 suggest it may be difficult to sustain these gains in a weak economy. Larger and better-known nonprofits and taxpayers who itemize their returns are the primary beneficiaries of the program. The program may put small but well-run organizations at a competitive disadvantage, weaken accountability in the sector, and pose administrative challenges to state departments of revenue. This analysis suggests that tax credits are not a panacea for the funding needs of nonprofits.     

Community participation and local government capacity in Vietnam: Conditions for coproduction

With Public Administration Reform in Vietnam comes more local government responsibility for policy making. Building on the results of a multiple case study research on housing and infrastructure upgrading projects in four cities of Vietnam, it has been confirmed that the community participation and local government capacity in urban housing and infrastructure upgrading projects are positively related. The level of community participation in urban housing and infrastructure upgrading projects is influenced by local government capacity, and in turn, it has effects on the outcomes. There are some important aspects for the enhancement of the level of community participation. These are effective leadership, the financial resources aspect, and communication/information exchange. Moreover, based on the patterns of community participation in urban upgrading projects, it has been found that participation is strongly supported by government actors in these four cases, and a process of coproduction between the local government and the affected communities has taken place.     

Stigma and other determinants of participation in TANF and Medicaid.

We developed a conceptual framework to examine the association between stigma, enrollment barriers (e.g., difficult application), knowledge, state policy, and participation in the Temporary Assistance to Needy Families (TANF) and adult Medicaid programs. Survey data from 901 community health center patients, who were potential and actual participants in these programs, indicated that while images of the Medicaid program and its recipients were generally positive, stigma associated with welfare stereotypes reduced both TANF and Medicaid enrollment. Expectations of poor treatment when applying for Medicaid, enrollment barriers, and misinformation about program rules were also associated with reduced Medicaid enrollment. States that enacted strict welfare reform policies were potentially decreasing TANF participation, while states with more simplified and generous programs were potentially increasing Medicaid participation. The results suggest that the image of the adult Medicaid program remains tied to perceptions about welfare and provides guidance to policymakers about how to improve participation rates.