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.