Temporary Loan Limits as a Natural Experiment in Federal Housing Administration Insurance

The Economic Stimulus Act of 2008 dramatically but temporarily increased the mortgage loan amount eligible for insurance through the Federal Housing Administration (FHA). We use the implementation and expiration of these loan limits as a source of exogenous variation in the availability of FHA insurance to measure the impact on the overall mortgage market and conventional lending. We find that the introduction of higher loan limits increased the number of loan originations, but that the expiration of those loan limits roughly 6 years later did not significantly decrease affected loan originations. The substitution between loan products and small net impact on the overall mortgage market when the ESA loan limits expired may be explained by the return of a stronger conventional lending industry than existed during the housing crisis.     

The Effects of Neighborhood Context on Exposure to Adverse Childhood Experiences (ACE) Among Adolescents Involved in the Juvenile Justice System: Latent Classes and Contextual Effects

Adverse childhood experiences (ACEs) have been identified as a key risk factor associated with a wide range of negative life outcomes, including juvenile delinquency. Much less work has explored whether certain combinations of ACEs, or typologies of trauma, exist, and whether or not these subgroups are differentially associated with certain youth-level and/or community-level characteristics. The current study uses latent class analysis to examine ACE typologies among a sample of over 92,000 juvenile offenders between the ages of 10 and 18 in the state of Florida (52% male, 37.3% White, 46.8% Black, 15.9% Hispanic). Multilevel multinomial logistic regression is used to assess the relationship between both individual- and community-level factors and class membership. The findings suggest that a total of five distinct ACE typologies exist among the sample of juvenile offenders, and age, race, and sex were significantly associated with class membership. Additionally, controlling for individual-level characteristics, community-level measures of immigrant concentration, residential instability, and two separate measures of concentrated disadvantage and affluence were significantly related to class membership. This study contributes to the understanding of adverse childhood experiences, and adds to existing knowledge regarding the relationship between contextual factors and childhood abuse, maltreatment, and trauma. The identification of ACE subgroups with distinct characteristics may help guide prevention strategies and tailor treatment provided by the juvenile justice system.     

Epidemiology of Suicide Attempts among Youth Transitioning to Adulthood

Suicide is the second leading cause of death for older adolescents and young adults. Although empirical literature has identified important risk factors of suicidal behavior, it is less understood if changes in risk factors correspond with changes in suicide risk. To address this knowledge gap, we assessed if there were different trajectories of suicidal behavior as youth transition into young adulthood and determined what time-varying risk factors predicted these trajectories. This study used four waves of data spanning approximately 13 years from the National Longitudinal Study of Adolescent Health. The sample included 9027 respondents who were 12–18 years old (M?=?15.26; SD?=?1.76) at Wave 1, 50% male, 17% Hispanic, and 58% White. The results indicated that 93.6% of the sample had a low likelihood for suicide attempts across time, 5.1% had an elevated likelihood of attempting suicide in adolescence but not young adulthood, and 1.3% had an elevated likelihood of attempting suicide during adolescence and adulthood. The likelihood of a suicide attempt corresponded with changes on depression, impulsivity, delinquency, alcohol problems, family and friend suicide history, and experience with partner violence. Determining how suicide risk changes as youth transition into young adulthood and what factors predict these changes can help prevent suicide. Interventions targeting these risk factors could lead to reductions in suicide attempts.     

Walk the Talk: Private Sustainability Standards in the Ugandan Coffee Sector

We investigate the welfare and productivity implications of private sustainability standards in the coffee sector in Uganda. We use cross-sectional household survey data and an instrumental variable method with instruments that pass weak identification and over-identification restrictions. We find that triple Utz-Rainforest Alliance-4C certification increases income, and land and labour productivity, and reduces poverty. Double Fairtrade-Organic certification is found to be associated with higher producer prices but results in lower land and labour productivity, and thereby fails to increase producer income and contribute to poverty reduction. We conclude that private sustainability standards do not always live up the expectations they create towards consumers.     

Cortisol Stress Response Variability in Early Adolescence: Attachment,Affect and Sex

Attachment, affect, and sex shape responsivity to psychosocial stress. Concurrent social contexts influence cortisol secretion, a stress hormone and biological marker of hypothalamic–pituitary–adrenal axis activity. Patterns of attachment, emotion status, and sex were hypothesized to relate to bifurcated, that is, accentuated and attenuated, cortisol reactivity. The theoretical framework for this study posits that multiple individual differences mediate a cortisol stress response. The effects of two psychosocial stress interventions, a modified Trier Social Stress Test for Teens and the Frustration Social Stressor for Adolescents were developed and investigated with early adolescents. Both of these protocols induced a significant stress reaction and evoked predicted bifurcation in cortisol responses; an increase or decrease from baseline to reactivity. In Study I, 120 predominantly middle-class, Euro-Canadian early adolescents with a mean age of 13.43 years were studied. The girls’ attenuated cortisol reactivity to the public performance stressor related significantly to their self-reported lower maternal-attachment and higher trait-anger. In Study II, a community sample of 146 predominantly Euro-Canadian middle-class youth, with an average age of 14.5 years participated. Their self-reports of higher trait-anger and trait-anxiety, and lower parental attachment by both sexes related differentially to accentuated and attenuated cortisol reactivity to the frustration stressor. Thus, attachment, affect, sex, and the stressor contextual factors were associated with the adrenal-cortical responses of these adolescents through complex interactions. Further studies of individual differences in physiological responses to stress are called for in order to clarify the identities of concurrent protective and risk factors in the psychosocial stress and physiological stress responses of early adolescents.     

The Burden of Caste on Social Identity in India

Abstract

This paper uses the World Values Survey to investigate the determinants of perceived social status in India. Caste is still the largest determinant, yet not the only one, as income, education and occupation are all relevant factors. However, only unlikely improvements in those economic attributes could offset the burden of being from a low caste or tribe on perceived social rank. This study is part of the literature that shows how the internalisation of prejudice and long-lasting discrimination may have impaired individuals’ self-esteem. The results stress the need to account for self-depreciation when assessing the efficiency of affirmative action policies.     

Internalizing Symptoms: Effects of a Preventive Intervention on Developmental Pathways from Early Adolescence to Young Adulthood

This study examined the mediated and moderated effects of a universal family-focused preventive intervention, delivered during young adolescence, on internalizing symptoms assessed in young adulthood. Sixth grade students (N=446; 52% female; 98% White) and their families from 22 rural Midwestern school districts were randomly assigned to the experimental conditions in 1993. Self-report questionnaires were administered at seven time points (pre-test to young adulthood-age 21) to those receiving the Iowa Strengthening Families Program (ISFP) and to the control group. Results showed that growth factors of adolescent internalizing symptoms (grades 6-12) were predicted by ISFP condition and risk status (defined as early substance initiation). Moderation of the condition effect by risk status was found, with higher-risk adolescents benefitting more from the ISFP. Results also supported the hypothesis that the ISFP's effect on internalizing symptoms in young adulthood was mediated through growth factors of adolescents' internalizing symptoms; risk moderation, however, was only marginally significant in young adulthood. The relative reduction rate on clinical or subclinical levels of young adult internalizing symptoms was 28%, indicating that for every 100 young adults displaying clinical or subclinical levels of internalizing symptoms from school districts not offering an intervention, there could be as few as 72 displaying those levels of symptoms in school districts that offered middle school prevention programming. These findings highlight how the positive effects of family-focused universal interventions can extend to non-targeted outcomes and the related potential public-health impact of scaling up these interventions.     

Bullies, Gangs, Drugs, and School: Understanding the Overlap and the Role of Ethnicity and Urbanicity

Recent media attention has increased interest in behavioral, mental health, and academic correlates of involvement in bullying. Yet, there has not been much interest in investigating the co-occurrence of other health-risk behaviors, such as gang membership, weapon carrying, and substance use. The potential influence of contextual factors, such as youth ethnicity, urbanicity, and school characteristics, also has been overlooked in previous research. The current study examined different subtypes of involvement in bullying—as primarily a victim, as primarily a bully, as both a victim and bully, and no involvement—and the association with significant health-risk behaviors, including engaging in violence and substance use, as well as academic problems. The analyses use self-report data from 16,302 adolescents (50.3 % female, 62.2 % Caucasian, 37.8 % African American) enrolled in 52 high schools. A series of three-level HLM analyses revealed that bullies and bully/victims were generally at greatest of risk of being involved in violence, engaging in multiple types of substance use, and having academic problems. These findings extend prior research by emphasizing a potential link between involvement in bullying and multiple health-risk behaviors, particularly among urban and African American high school youth.     

Examining Associations Between Race, Urbanicity, and Patterns of Bullying Involvement

Research on the role of race and urbanicity in bullying involvement has been limited. The present study examined bullying involvement subgroups that relate to race, urbanicity, and the perceived reason for the bullying. Self-report data were collected from 10,254 middle school youth (49.8 % female; 62.4 % Caucasian, 19.0 % African American, and 5.6 % Hispanic) and latent class analyses were used to identify three subtypes of bullying involvement: low involvement (50 %), victim (31.3 %), and bully-victim (18.7 %). Irrespective of urbanicity (urban vs. non-urban), African American youth were more likely to be members of either the victim or bully-victim classes than the low involvement class. Further exploration of the community context suggested that urbanicity was associated with the increased likelihood of having been racially bullied. Urban bully-victims were also more likely to have been bullied about money than non-urban bully-victims. Findings underscore the importance of addressing both race and urbanicity for culturally sensitive prevention programming.