To see the other types of publications on this topic, follow the link: Household's housing.
Journal articles on the topic 'Household's housing'
Create a spot-on reference in APA, MLA, Chicago, Harvard, and other styles
Consult the top 50 journal articles for your research on the topic 'Household's housing.'
Next to every source in the list of references, there is an 'Add to bibliography' button. Press on it, and we will generate automatically the bibliographic reference to the chosen work in the citation style you need: APA, MLA, Harvard, Chicago, Vancouver, etc.
You can also download the full text of the academic publication as pdf and read online its abstract whenever available in the metadata.
Browse journal articles on a wide variety of disciplines and organise your bibliography correctly.
1
Bieker, Richard F., and Yoonkyung Yuh. "Homeownership and Financial Strain Following the Collapse of the Housing Market: A Comparative Study on Loan Delinquencies Between Black and White Households." Journal of Financial Counseling and Planning 26, no. 1 (March 2015): 79–93. http://dx.doi.org/10.1891/1052-3073.26.1.79.
Full textAbstract:
The objectives of this study were to evaluate the extent to which homeownership contributed to household financial strain as measured by loan delinquency after the onset of the recent housing market crash, and to examine if the impact of homeownership on household financial strain differed for Black and White households. Using data from the 2010 Survey of Consumer Finances, we found that, after controlling for other factors, a household's housing preferences had a potential effect on the likelihood of experiencing financial strain following the collapse of residential housing prices. In addition, Black homeowners were more likely to have experienced financial strain following the housing collapse than were White homeowners, regardless of the time period in which the home was purchased. The implications of the findings for public policy, personal financial planning and education, and further research are presented.
2
Meligrana, J. "Exercising the Condominium Tenure Option: A Case Study of the Canadian Housing Market." Environment and Planning A: Economy and Space 25, no. 7 (July 1993): 961–73. http://dx.doi.org/10.1068/a250961.
Full textAbstract:
With data from the National Survey of Condominium Occupants conducted by Canada Mortgage and Housing Corporation, the relevant differences between a sample of renters who decided to purchase a condominium and a sample of homeowners who decided to sell their dwelling to buy a condominium are described. The subpopulation differed with respect not only to life-cycle stages and household economic resources but also to stated housing preferences and future housing plans. For example, previous renters were found to be younger households in the earlier stages of the life cycle who purchased lower priced condominiums with more borrowed funds than previous homeowners. A proportion of previous renters, however, were found to be entering the condominium sector late in life. Previous owners, the majority of whom moved from the freehold ownership market, preferred condominium ownership as means of gaining greater physical security and less direct maintenance responsibilities and, therefore, searched for only condominium housing. On the other hand, tenants sought initially to gain entrance into the freehold ownership market before deciding on the purchase of condominiums. Previous tenants are planning to use the equity of their condominiums to move into single detached houses within a short period of time, whereas for previous owners the condominium sector presents a final stage in housing demand. It is concluded that life-cycle stages and household economic resources continue to dominate a household's tenure transition, but this must also be combined with tenure and housing preferences as well as long-term or future housing plans.
3
Kim, Ju Young, and Kang Koo Lee. "Effect of Old Age Household's Health on Housing Tenure." Korea Real Estate Society 38, no. 1 (March 30, 2020): 61–77. http://dx.doi.org/10.37407/kres.2020.38.1.61.
Full text
4
Einbinder, Susan D. "Housing Affordability for Families With Children." Journal of Interdisciplinary Studies 7, no. 1 (1995): 83–100. http://dx.doi.org/10.5840/jis199571/25.
Full textAbstract:
Researchers, housing program administrators, and others assume housing costs are affordable if they represent up to 30 percent of a household's income. This standard appears to be skewed against families with children. Michael Stone's "Shelter Poverty" offers a new, in some respects more precise, measure of housing affordability. Both measures were calculated to explore housing affordability among an estimated 30 million families with children, using the 1991 American Housing Survey. One-third of families had housing difficulties under either measure, but "Shelter Poverty," concentrated among lower-income families, provides a more realistic classification for families. Adopting "Shelter Poverty" would, thus, offer a more credible guide to "affordable" housing policies for America's families with children.
5
Einbinder, Susan D. "Housing Affordability for Families With Children." Journal of Interdisciplinary Studies 7, no. 1 (1995): 83–100. http://dx.doi.org/10.5840/jis199571/25.
Full textAbstract:
Researchers, housing program administrators, and others assume housing costs are affordable if they represent up to 30 percent of a household's income. This standard appears to be skewed against families with children. Michael Stone's "Shelter Poverty" offers a new, in some respects more precise, measure of housing affordability. Both measures were calculated to explore housing affordability among an estimated 30 million families with children, using the 1991 American Housing Survey. One-third of families had housing difficulties under either measure, but "Shelter Poverty," concentrated among lower-income families, provides a more realistic classification for families. Adopting "Shelter Poverty" would, thus, offer a more credible guide to "affordable" housing policies for America's families with children.
6
MALIKI, Samir, Abderrezzak BENHABIB, and Abdelnacer BOUTELDJA. "Poverty and Education in Algeria." International Journal for Innovation Education and Research 2, no. 1 (January 31, 2014): 62–80. http://dx.doi.org/10.31686/ijier.vol2.iss1.138.
Full textAbstract:
Using a multinomial logit measurement, we aim through this paper to quantify the relationship between poverty and education. A subjective measurement of poverty is used with non school factors in quantifying such relationship. For a better understanding of the linkage Poverty-Education, a Multinomial regression model is applied to a representative survey of 500 households in the region of Tlemcen. According to our results , variables such as: individual housing, household's head instruction's level ,expenditures on education , the gender (male), and the age are common variables whatever poverty status. As far as policy makers are concerned, education is seen as a vital player in economic and social development. Accordingly, the higher is the education level the more likely it contributes to household poverty alleviation. Our results are of great importance to Algerian policy makers as long as it shows some significant variables which should be taken in consideration in drawing policies.
7
Abdel-Rahman, Hager, Yasser Elsayed, and Doaa Abouelmagd. "Assessing the Egyptian Public Housing Policies and Governance Modes (1952-2020), Towards Achieving a Sustainable Integrated Urban Approach." Journal of Art & Architecture Research Studies - JAARS 1, no. 1 (June 21, 2020): 13–30. http://dx.doi.org/10.47436/jaarsfa.v1i1.11.
Full textAbstract:
Public housing provision is one of the most urgent problems in Egypt; over the last 70 years, the leading provider was the state, problems were coping with the high demand, as well as the quality of the units concerning household's requirements.This paper discusses and analyzes the development of the international housing policies for low-income categories, from direct provision to sustainable integrated approach, compared to Egypt's public housing policies, governance modes during the last 70 years. This paper divides this period into four main phases according to the state political and economic approach in each phase, starting with the first intention for public housing projects through socialism, passing by the open door policy, capitalism, and the variety of housing schemes. Finally, the state initiatives after 2011 through the national social housing program.
8
YUSUF, ARIEF ANSHORY, and PHOEBE KOUNDOURI. "Willingness to pay for water and location bias in hedonic price analysis: evidence from the Indonesian housing market." Environment and Development Economics 10, no. 6 (November 21, 2005): 821–36. http://dx.doi.org/10.1017/s1355770x05002548.
Full textAbstract:
Hedonic valuation of quality attributes can be misleading when the assumption that these attributes are exogenous to sample selection is violated. This paper considers the simultaneity between hedonic valuation and sample selection in the context of a model of consumer behavior over packaged goods and investigates empirically how the decision on house location (urban/rural) affects the household's valuation of water-related characteristics of the house in question. The empirical analysis uses data from the Indonesian housing market and suggests that households value access to safe and improved domestic water sources. However, failing to correct for sample selection results in a biased valuation of willingness to pay for house characteristics. This might misguide policy recommendations for improved provision of domestic water, based on cost–benefit analysis.
9
Wong, Grace K. M. "A Conceptual Model of the Household's Housing Decision-Making Process: The Economic Perspective." Review of Urban and Regional Development Studies 14, no. 3 (November 2002): 217–34. http://dx.doi.org/10.1111/1467-940x.00055.
Full text
10
Lee, Jong-Deok, Se-Sung Choi, and Han-Jong Jun. "Building the Prediction Models for Single Household's Housing Types and Tenures Selection of Seoul." Journal of the architectural institute of Korea planning & design 31, no. 11 (November 30, 2015): 73–80. http://dx.doi.org/10.5659/jaik_pd.2015.31.11.73.
Full text
11
Estiri, Hossein, and Andy Krause. "A Cohort Location Model of household sorting in US metropolitan regions." Urban Studies 55, no. 1 (September 20, 2016): 71–90. http://dx.doi.org/10.1177/0042098016668783.
Full textAbstract:
In this paper we propose a household sorting model for the 50 largest US metropolitan regions and evaluate the model using 2010 Census data. To approximate residential locations for household cohorts, we specify a Cohort Location Model (CLM) built upon two principle assumptions about housing consumption and metropolitan development/land use patterns. According to our model, the expected distance from the household’s residential location to the city centre(s) increases with the age of the householder (as a proxy for changes in housing career over life span). The CLM provides a flexible housing-based explanation for household sorting patterns in US metropolitan regions. Results from our analysis on US metropolitan regions show that households headed by individuals under the age of 35 are the most common cohort in centrally located areas. We also found that households over 35 are most prevalent in peripheral locations, but their sorting was not statistically different across space.
12
Martín-Legendre, Juan Ignacio, Pablo Castellanos-García, and José Manuel Sánchez-Santos. "Wealth and consumption inequality: an interquantile analysis." Applied Economic Analysis 28, no. 83 (July 8, 2020): 133–51. http://dx.doi.org/10.1108/aea-04-2020-0026.
Full textAbstract:
Purpose The purpose of this paper is to analyze the changes in wealth and consumption inequality in Spain and estimate the consumption effects of housing and financial wealth. Design/methodology/approach The estimations are made using micro-data from the Spanish Survey of Household Finances (2002–2014) applying cross-section, panel and interquartile techniques. Findings The findings of this paper suggest that there was an increase in wealth inequality during the period under analysis and a reduction in consumption inequality. Also, the authors find a significant positive effect of wealth on consumer expenditure. Disaggregating by asset type, the value of the main residence is the category with the highest estimated effect on consumption, whereas the remaining types of assets, although still positive and generally significant, have more modest effects on consumption. However, the estimated coefficients and their significance can change substantially depending on the phase of the economic cycle and the position of the household in the income distribution. Originality/value These results provide new empirical evidence on the effects of household wealth changes on their consumption behavior, the differences depending on the household's position in the distribution and the fluctuations of these estimated coefficients throughout a period of profound economic upheavals.
13
Iafrati, Steve. "Displaced and vulnerable: a case study of “out of area” housing." Housing, Care and Support 23, no. 3/4 (September 18, 2020): 111–22. http://dx.doi.org/10.1108/hcs-05-2020-0005.
Full textAbstract:
Purpose The purpose of study is to explore how structural problems within housing supply and the marketisation of housing for the poorest and most vulnerable households affect households and can lead to negative outcomes for some households. The research highlights the experiences of out of area (OOA) households that can be below the radar in debates regarding housing crisis. Design/methodology/approach The research features a case study approach focusing on the experiences of a single household, which is supplemented with an interview with the household’s local authority housing manager. Additionally, freedom of information data is used to analyse the local authority placing the household OOA. The case study is transferable and the additional evidence validates the household’s experiences. Findings The research finds that OOA housing can be disruptive for households and negatively affect well-being as well as facilitate social cleansing. The case study, while examining the lived experience of OOA housing, also recognises structural causes of the housing crisis within neoliberal housing policy. Furthermore, the case study recognises the positions of local authorities placing households OOA and receiving these households. Originality/value The research is original in using a case study to explore OOA housing. OOA housing is an under-researched area where households are not homeless but are housed in a manner detrimental to their well-being. The case study brings together interviews and freedom of information data to highlight findings currently missing in housing research.
14
Gawel, Erik, Katja Sigel, and Wolfgang Bretschneider. "Affordability of water supply in Mongolia: empirical lessons for measuring affordability." Water Policy 15, no. 1 (September 26, 2012): 19–42. http://dx.doi.org/10.2166/wp.2012.192.
Full textAbstract:
Affordability of water services is a pressing water policy issue for both the developed and, in particular, for the developing world. Despite its well-known theoretical shortcomings, affordability analysis of water supply has, up to now, been widely based on the ratio of a household's water expenditure to its income, the Conventional Affordability Ratio (CAR). However, in the housing sector, alternative concepts for measuring affordability have been developed, among them being the ‘Potential Affordability Approach’ (PAA) and the ‘Residual Income Approach’ (RIA). Against this background, this paper compares these three prominent affordability measures (CAR, PAA, RIA) on the basis of an empirical case study of a peri-urban, low-income area in the second largest Mongolian city of Darkhan, using household data from a survey conducted in 2009. Thus we gain insight into both the water-related affordability situation of people in Mongolia, checking the World Bank's finding of an absence of water affordability problems in peri-urban areas in the Mongolian capital Ulaanbaatar, as well as into the comparative functionality of different affordability measures. It is shown that affordability problems do occur but have to be distinguished depending on the economic causation. We argue that none of the regarded measures give a satisfyingly contoured notion of affordability properly distinguished from the adjacent problems of poverty and access.
15
Fasihi, Habibollah, and Taher Parizadi. "Analyzing household's environmental behavior on solid waste management and its relations with population and housing characteristics (The case: Amlash city, Iran)." Journal of Environmental Management 292 (August 2021): 112686. http://dx.doi.org/10.1016/j.jenvman.2021.112686.
Full text
16
Mugerman, Yevgeny, Moran Ofir, and Zvi Wiener. "How Do Homeowners Choose Between Fixed and Adjustable Rate Mortgages?" Quarterly Journal of Finance 06, no. 04 (November 21, 2016): 1650013. http://dx.doi.org/10.1142/s2010139216500130.
Full textAbstract:
Housing is the most important asset in the portfolio of most households. Understanding the households’ decision on housing finance has important implications from a policy perspective, due to the effects it may have on the housing prices, on the housing market stability and on household welfare. The theoretical literature on housing finance focused on figuring out the optimal choice between fixed rate mortgages (FRMs) and adjustable rate mortgages (ARMs). We argue that the standard economic criteria are sometimes inadequate to explain household’s choices, which may be motivated by psychological factors. In other words, we claim that household’s choice depends only partially on the findings of the theoretical literature. We examine the effect of changes in the short-term market interest rate on the households’ choice between FRMs and ARMs. We test this effect using a unique data provided to us by the Bank of Israel, which contains detailed information on the household’s decision between FRM and ARM contracts in Israel in the past decade. The results of our analysis demonstrate a significant association between FRM preference and short-term interest rate reduction. Moreover, we find that the change in the short-term interest rate is more salient to the borrowers in periods of a high interest rate environment. We attribute these findings to Tversky and Kahneman (1974) availability and representativeness heuristics.
17
Harvey, Hope, Rachel Dunifon, and Natasha Pilkauskas. "Under Whose Roof? Understanding the Living Arrangements of Children in Doubled-Up Households." Demography 58, no. 3 (March 25, 2021): 821–46. http://dx.doi.org/10.1215/00703370-9101102.
Full textAbstract:
Abstract A growing literature in family demography examines children's residence in doubled-up (shared) households with extended family members and nonkin. This research has largely overlooked the role of doubling up as a housing strategy, with “hosts” (householders) providing housing support for “guests” living in their home. Yet, understanding children's experiences in doubled-up households requires attention to host/guest status. Using the American Community Survey and Survey of Income and Program Participation, we identify the prevalence of children doubling up as hosts and guests in different household compositions (multigenerational, extended family, nonkin), show how this varies by demographic characteristics, and examine children's patterns of residence across these household types. We find large variation by demographic characteristics. More disadvantaged children have higher rates of doubling up as guests than hosts, whereas more advantaged children have higher rates of doubling up as hosts than guests. Additionally, compared with hosts, guests more often use doubling up as a longer-term strategy; a greater share of guests live consistently doubled up over a three-year period, but those who do transition between household types experience more transitions on average than do hosts. Our findings show the importance of attending to both housing status and household composition when studying children living in doubled-up households.
18
Hanusik, Krystyna, and Urszula Łangowska-Szczęśniak. "Sytuacja mieszkaniowa gospodarstw domowych na wsi w Polsce w 2016 r. w świetle badań budżetów gospodarstw domowych = Housing status of rural areas’ households in Poland in the light of household budget survey of 2016." Studia Obszarów Wiejskich 52 (August 1, 2017): 39–49. http://dx.doi.org/10.7163/sow.52.3.
Full textAbstract:
The article concerns the issue of disparity in the level of meeting the housing needs in the rural areas of Poland. This may be regarded as a basic determinant of households’ standard of living. The goal of conducted research was an attempt to identify the level of diversification in housing status, as well as subjective assessment of life quality in rural areas and comparing these with selected unbiased characteristics of material conditions of examined entities. The number of people per 1 room in a flat, average number of square meters per capita in a flat or living in a separate dwelling were assumed as representative indicators of a household’s housing status. Selected characteristics of housing quality were also examined. A comparative analysis of the relationship between the self-assessment of housing situation, its objective characteristics and selected characteristics of households included in particular socio-economic groups was carried out. The analysis has proven a strong correlation between satisfying the households’ needs and the level of income. It is also worth to emphasise the significant impact of the reference group (the socio-economic group of households was adopted) on the self-assessment of housing status. Statistical analysis methods were implemented. The study employed data derived from the panel survey on household budget in Poland in 2016 conducted by the Central Statistical Office.
19
Ahmed, Zobayer. "Rationalizing the Choice of Housing on Cultivable Land: Is Cash-Return the Only Determinant?" Journal of Social and Development Sciences 4, no. 12 (December 31, 2013): 554–64. http://dx.doi.org/10.22610/jsds.v4i12.798.
Full textAbstract:
Society faces numerous problems due to high population growth where housing along with other settlements is a notable concern. Horizontal expansion of housing on cultivable land in rural area reduces the availability of land for cultivation. The study is a combination of both quantitative and qualitative in nature based on primary data, carried out in a village in Comilla, an eastern district of Bangladesh during April 2012. The study finds that the households receive returns both in cash as well as in kind from new homesteads made on cultivable land. The cash benefit received by households at new place is Tk. 156238.14 on an average per year in 2011 price and on an average the cash investment per year in 2011 price (inflation adjusted) for housing is Tk. 213108.1818 (weighted average). This clearly indicates a cash loss from housing on cultivable land from household’s perspective. However, statistically the cash investment for housing in rural area is not significantly different from the cash return received by the households at 5% level of significance. Thus it becomes an important question whether the household’s choice of making new home on cultivable land is a rational choice or not. Further, the amount of money each household spent for housing could have been used for a higher cash return through some alternative investments. The study reveals, households derive positive utility (non cash returns) from new homes notwithstanding cash loss and other investment options forgone. The study further argues that if the government or any authority is to take some steps regarding the declining trend of cultivable land in rural areas, the perspectives of the households must be considered with great attention.
20
Gröbel, Sören, and Dorothee Ihle. "Saving Behavior and Housing Wealth Evidence from German Micro Data." Jahrbücher für Nationalökonomie und Statistik 238, no. 6 (October 25, 2018): 501–39. http://dx.doi.org/10.1515/jbnst-2017-0118.
Full textAbstract:
Abstract Housing property is the most important position in a household’s wealth portfolio. Even though there is strong evidence that house price cycles and saving patterns behave synchronously, the underlying causes remain controversial. The present paper examines if there is a wealth effect of house prices on savings using household-level panel data from the German Socio-Economic Panel for the period 1996-2012. We find that young homeowners decrease their savings in response to unanticipated house price shocks, whereas old households hardly respond to house price changes. Although effects are relatively low in magnitude, we interpret this as evidence of a housing wealth effect.
21
Burnell, James D. "Crime and Racial Composition in Contiguous Communities as Negative Externalities: Prejudiced Household's Evaluation of Crime Rate and Segregation Nearby Reduces Housing Values and Tax Revenues." American Journal of Economics and Sociology 47, no. 2 (April 1988): 177–93. http://dx.doi.org/10.1111/j.1536-7150.1988.tb02025.x.
Full text
22
Lean-Ee Lee, Yvonne, Vanisa Sukhavudh Charun, and Hazmi Hamizan Mohd Zaki. "Factors Affecting Accumulation of Household Debts in Malaysia." International Journal of Management, Finance and Accounting 2, no. 1 (February 25, 2021): 19–41. http://dx.doi.org/10.33093/ijomfa.2021.2.1.2.
Full textAbstract:
Since 2000, the ratio of debt to income among Malaysian households has been showing an upward trend. This paper examines the factors affecting accumulation of household loansinto two main categories, housing loans and consumption loans. The purpose of this separation is to study the impact of savings on housing loans and consumption loans individually, which has not been researched in a Malaysian context prior to this. By adopting the Vector Error Correction Model (VECM), we found that cost of living, house prices and savings impacts accumulation of housing loans and consumption loans differently. There is a positive relationship between savings to housing loans. Cost of living on the other hand has a negative relationship with accumulation of consumption loans. House prices is negatively related to consumption loans. This study fills in the literature gap on the impact of household’s savings on accumulation of both housing and consumption loans. Among the policy implications proposed by this paper is to rectify and influencethe root causes of inflation.
23
Kim, Kirang, Mi Kyung Kim, Young-Jeon Shin, and Sang Sun Lee. "Factors related to household food insecurity in the Republic of Korea." Public Health Nutrition 14, no. 6 (February 7, 2011): 1080–87. http://dx.doi.org/10.1017/s1368980010003733.
Full textAbstract:
AbstractObjectiveTo examine the prevalence of food insecurity and to identify factors that contribute to it in the Republic of Korea.DesignA cross-sectional study.SettingData were selected from a secondary data set, the third Korean Welfare Panel Study. Household food insecurity was measured with a six-item Korean version of the US Household Food Security Survey Module. The differences in proportions or means of household characteristics, householder's characteristics, economic status and social benefits by food insecurity status were tested with the χ2 or t test. The independent associations of food insecurity with each characteristic were assessed with multivariate logistic regression analysis.SubjectsThe sample size consisted of 6238 households.ResultsThe prevalence of food insecurity was 5·3 % among all households and 25·7 % among low-income households. Risk factors that were associated with a higher risk of food insecurity included living alone, unemployment, no job, low household income and living in a leased or rented home. For low-income households, living in a leased or rented home increased the risk of food insecurity. Among food-insecure households, 26·1 % of the full sample of households and 34·3 % of low-income households were participating in food assistance programmes.ConclusionsFood insecurity among the Korean population was related to household type, income, job status and housing. Food assistance programmes were not enough to completely alleviate food insecurity.
24
LOPEZ, Esteban, and Dusan PAREDES. "TOWARDS HOUSING POLICIES THAT CONSIDER HOUSEHOLD’S PREFERENCES: ESTIMATING THE DEMAND FOR HOUSING ATTRIBUTES IN CHILE." International Journal of Strategic Property Management 24, no. 1 (March 16, 2018): 24–36. http://dx.doi.org/10.3846/ijspm.2018.320.
Full textAbstract:
Understanding household preferences for housing attributes is imperative for developing countries after years of housing policies that failed mostly due to the mismatch between housing solutions and needs. This paper provides income and price elasticity estimates of the demand for housing attributes as an indicator to measure how households perceive housing attributes (necessities or luxuries). These metrics are important because they allow evaluating previously national-level housing policies as well as suggesting new paths of action that are in accordance to households’ preferences. The study focuses on Chile because its influential role in designing housing policies in other developing countries (Gilbert, 2002). Using five cross-section household surveys from 2000–2011, our results suggest that Size and Location are perceived as basic necessities. Contrarily, Quality and Housing Features are considered luxury goods. Size and Location are more price-inelastic than other attributes. These results are consistent across regions, and suggest that households prefer larger and better-located houses.
25
Sanchez, Thomas W. "Exploring the Relationship between Combined Household Housing and Transportation Costs and Regional Economic Activity in Virginia." Land 10, no. 7 (July 15, 2021): 742. http://dx.doi.org/10.3390/land10070742.
Full textAbstract:
Transportation is the second-largest expenditure category for households, accounting for nearly 20 cents of every dollar spent annually across the U.S. Only housing costs exceed transportation, and combined they represent a substantial burden on households. A primary economic connection between housing and transportation costs is related to the tradeoffs that households make in terms of residential location and what they have left of their household budget to spend on other needs. Families are forced to spend thousands of dollars annually on owning and operating private vehicles, forego wealth creation, and the ability to enjoy other benefits of homeownership. This analysis examines combined housing and transportation costs at the state level to regional economic performance. It contributes to the literature by testing the geographic scope of household expenditure burdens at this scale. Along with previous literature, this analysis provides evidence about the connection between the local and regional economic vitality and the burden of the combined effects of housing and transport on households. Overall, the results suggest that, from 2008 to 2018, these household cost burdens were a function of economic activity, household characteristics, and location in the state of Virginia.
26
Seo, Bo Kyong, and Gum-Ryeong Park. "Food insecurity and housing affordability among low-income families: does housing assistance reduce food insecurity?" Public Health Nutrition 24, no. 13 (March 5, 2021): 4339–45. http://dx.doi.org/10.1017/s1368980021001002.
Full textAbstract:
AbstractObjective:Given the competing needs for food and housing under the limited household income among poor families, there is lack of research on the associations between housing affordability and food insecurity. The current study examines how housing cost burden affects food insecurity of low-income families and whether decreased housing cost enhances food security.Design:Longitudinal data from the Korean Welfare Panel Study, of which the final sample for the analysis consisted of 31 304 household-level observations from 5466 households based on twelve waves (2007–2018).Setting:South Korea.Participants:Low-income households in the lowest 40 % of household income distribution.Results:19·3 % had food insecurity, and housing cost burden was associated with food insecurity. While in-kind housing assistance and in-cash assistance from all sources were likely to reduce food insecurity partially through influencing housing cost burden, in-cash housing assistance was associated with higher likelihood of food insecurity.Conclusions:Housing cost burden potentially limits food access among poor families, and housing assistance, particularly public housing and sufficient in-cash assistance, is conducive to alleviating food insecurity.
27
Kirkpatrick, Sharon I., and Valerie Tarasuk. "Adequacy of food spending is related to housing expenditures among lower-income Canadian households." Public Health Nutrition 10, no. 12 (December 2007): 1464–73. http://dx.doi.org/10.1017/s136898000700081x.
Full textAbstract:
AbstractObjectivesA number of studies have pointed to the pressure that housing costs can exert on the resources available for food. The objectives of the present study were to characterise the relationship between the proportion of income absorbed by housing and the adequacy of household food expenditures across the Canadian population and within income quintiles; and to elucidate the impact of receipt of a housing subsidy on adequacy of food expenditures among low-income tenant households.DesignThe 2001 Survey of Household Spending, conducted by Statistics Canada, was a national cross-sectional survey that collected detailed information on expenditures on goods and services. The adequacy of food spending was assessed in relation to the cost of a basic nutritious diet.SettingCanada.SubjectsThe person with primary responsibility for financial maintenance from 15 535 households from all provinces and territories.ResultsAs the proportion of income allocated to housing increased, food spending adequacy declined significantly among households in the three lowest income quintiles. After accounting for household income and composition, receipt of a housing subsidy was associated with an improvement in adequacy of food spending among low-income tenant households, but still mean food spending fell below the cost of a basic nutritious diet even among subsidised households.ConclusionsThis study indicates that housing costs compromise the food access of some low-income households and speaks to the need to re-examine policies related to housing affordability and income adequacy.
28
Liu, Jian, and Huay Ying Ong. "Can Malaysia’s National Affordable Housing Policy Guarantee Housing Affordability of Low-Income Households?" Sustainability 13, no. 16 (August 7, 2021): 8841. http://dx.doi.org/10.3390/su13168841.
Full textAbstract:
Housing affordability is a long-held issue in Malaysia, and housing policies have been implemented for low-income households over the years. However, there is a contradiction that housing affordability of low-income households has not been met, while the bulk of affordable housing is still vacant. In 2019, Malaysia enacted the National Affordable Housing Policy (DRMM) which was intended to improve housing affordability for low-income groups. This paper aims to answer why Malaysia’s long-term implementation of affordable housing policies cannot guarantee housing affordability, and whether the DRMM can effectively improve housing affordability as expected, by comparing the empirical factors of housing affordability. A literature review and a comparative analysis are adopted in the research. The paper concludes that low household income, high land price, construction cost and compliance cost, mismatch of supply and demand in terms of quantity, the instability of the national economy, low home financing ability, and incomprehensive housing planning have caused low housing affordability of low-income groups in Malaysia. The DRMM as anticipated can improve housing affordability by supplying affordable housing more precisely, lowering housing costs, and improving home financing ability. However, the exclusion of household income and economic factors may cause the ineffectiveness of the DRMM in improving housing affordability for low-income households.
29
Finnigan, Ryan, and Kelsey D. Meagher. "Past Due: Combinations of Utility and Housing Hardship in the United States." Sociological Perspectives 62, no. 1 (June 28, 2018): 96–119. http://dx.doi.org/10.1177/0731121418782927.
Full textAbstract:
Millions of households in the United States are forced to juggle different basic needs. Housing and utility costs consume the majority of many households’ monthly incomes. Consequences for missed payments include large fees, utility shutoffs, and evictions. Either hardship puts households at risk of losing adequate shelter. This study examines the prevalence and persistence of different combinations of housing and/or utility hardship using nationally representative panel data from the Survey of Income and Program Participation (SIPP). It also predicts transitions into these hardship combinations following commonly studied household dynamics: income changes, household composition changes, and poor health. Utility hardship is both more common and persistent than housing hardship, and households experiencing utility hardship have more disadvantaged characteristics. Entries into poor health are the strongest predictors of hardship. Other shocks predict one form of hardship more than the other. Most notably, income losses predict housing hardship but not utility hardship.
30
Bohr, Jeremiah, and Anna C. McCreery. "Do Energy Burdens Contribute to Economic Poverty in the United States? A Panel Analysis." Social Forces 99, no. 1 (November 15, 2019): 155–77. http://dx.doi.org/10.1093/sf/soz131.
Full textAbstract:
Abstract For many households, energy consumption represents a non-discretionary portion of their budget and directly relates to quality of life. As researchers continue to study the environmental impacts of energy behavior, it is important to explore how energy consumption relates to socio-economic wellbeing. This paper examines the economic impacts of being energy-burdened in the United States, defined as spending at least 10% of household income on heating and electricity services; energy burdens are partially, but not entirely, driven by income, since energy needs and costs can vary substantially due to housing characteristics, utility rates, and other factors. Using panel data of US household income and energy expenditures during 1999–2017, this analysis demonstrates that energy-burdened households were at about 150%–200% greater risk of transitioning into or extending the duration of economic poverty over a two-year timeframe relative to non-burdened households. This analysis indicates that dedicating inordinate amounts of income to energy services can threaten a household’s economic well-being over time, possibly by preventing a household from engaging in other economic activities or compounding existing economic hardship. These results emphasize the importance of energy assistance and energy efficiency for low-income households, drawing attention to how structures of energy consumption, the welfare state, and social stratification intertwine.
31
Liu, Jianxu, Duangthip Sirikanchanarak, Songsak Sriboonchitta, and Jiachun Xie. "Analysis of Household Consumption Behavior and Indebted Self-Selection Effects: Case Study of Thailand." Mathematical Problems in Engineering 2018 (2018): 1–12. http://dx.doi.org/10.1155/2018/5486185.
Full textAbstract:
Copula is deemed to be a good approach for relaxing bivariate or multivariate distributions in econometric models. This paper combines static and dynamic copula functions with endogenous switching to study self-selection effects and interdependence between error terms. This technique, copula-based models, is applied to analyze household consumption behavior and indebted self-selection effects in Thailand. The independent, Gaussian, Frank, Clayton, Gumbel, and Joe copula functions and the relatively rotated copula functions were employed in the empirical work. The best model was selected by the information criterion, AIC. We separated the households into four groups, indebted households, debt-free households, households with housing/land loans, and households without housing/land loans, which favors the examination of the treatment effects of indebted households or households with housing debts. The main results indicate that dynamic copula-based models offer better performance than others, such as classical endogenous switching models or all static copula-based models. Also, the I–I and the G–G models underestimate the treatment effects relative to the best models. Additionally, importantly, the traditional normal bivariate distribution or the static copula function could characterize the relationship as regards errors between household debt choice and household consumption and can lead to very misleading implications about the treatment effects.
32
Kintrea, K., and D. Clapham. "Housing Choice and Search Strategies within an Administered Housing System." Environment and Planning A: Economy and Space 18, no. 10 (October 1986): 1281–96. http://dx.doi.org/10.1068/a181281.
Full textAbstract:
In this paper findings are presented concerning the behaviour of households moving into and within the public-housing sector in a major British city. In contrast to most research on the public sector, the approach adopted is explicitly derived from theories and studies of housing choice and search. Data from an extensive household survey of new council tenants are used to demonstrate that households undertake a range of search strategies which are associated with different housing outcomes. In particular, variations are shown to exist in stressors and subsequent search behaviour, in information usage, in evaluation strategies, and in spatial patterns.
33
Kubo, Tomoko, and Yoshimichi Yui. "Transformation of the Housing Market in Tokyo since the Late 1990s: Housing Purchases by Single-person Households." Asian Studies, no. 3 (December 1, 2011): 3–21. http://dx.doi.org/10.4312/as.2011.15.3.3-21.
Full textAbstract:
This study aims to clarify the correlation between the transformation of the Japanese housing market and the increasing number of single-person households in Japan, with a special focus on the supply of compact condominiums. In order to achieve the abovementioned purpose, the changes in the Japanese housing market and diversification of the Japanese household structure are described. Finally, the features of the supply strategies of condominium suppliers, which reflect the diversification of the household structure and increasing need for condominiums by single-person households in central Tokyo, are examined.
34
Ulman, Paweł, and Małgorzata Ćwiek. "Housing Poverty in Polish Households and its Diversity." Folia Oeconomica Stetinensia 20, no. 1 (June 1, 2020): 437–55. http://dx.doi.org/10.2478/foli-2020-0026.
Full textAbstract:
AbstractResearch background: The European Housing Charter defines housing as a basic necessity, but also a fundamental social right underpinning the European social model as well as an element of human dignity. Housing conditions constitute a major element of the broader quality of life for individuals and society.Purpose: The aim of this paper is to assess the level of housing poverty in general and in selected areas of an assessment of Polish households due to the selected socio-demographic characteristics of the respondent or household.Research methodology: The study was conducted on the basis of micro-data from the Household Budget Survey of 2017. To determine the housing poverty risk for each household the Integrated Fuzzy and Relative approach was used, which allows for the aggregation of symptoms measured on different measuring scales into the one risk assessment of poor housing conditions. This assessment, overall and in specific areas of housing poverty, became the basis for the study of the factors differentiating this kind of poverty. For this purpose, regression trees were used.Results: The greatest risk of housing poverty was observed in households living in rural areas, in families with many children, in the households of single mothers or fathers, as well as in households living on unearned sources of income.Novelty: The use of the Integrated Fuzzy and Relative approach for housing poverty research is an innovative approach and is applied in the paper.
35
Okamoto, Yoshihiro. "Japanese Social Exclusion and Inclusion from a Housing Perspective." Social Inclusion 4, no. 4 (October 20, 2016): 51–59. http://dx.doi.org/10.17645/si.v4i4.628.
Full textAbstract:
This paper examines conditions of social exclusion and attempts at social inclusion in Japan from a housing perspective. Companies, households and the government have previously supported housing in Japan. However, corporate welfare was withdrawn following the globalization of the economy from the 1990s onwards, support from families and communities declined due to a reduction in household size, and governmental housing support has shifted away from direct support. A reduction in income and unstable work left many people with unstable housing. Certain workers, such as foreigners performing dispatched labour, could not maintain continuous work under the influence of the Lehman Brothers’ bankruptcy in 2008. Household size has shrunk according to changes in the industrial structure, and the number of households that cannot sustain housing is increasing. Such vulnerable households—elderly people, the handicapped, low-income earners and single parents—can become excluded from the rental housing market. On the other hand, governmental measures are promoting local dwellings and maintaining the condition for a dwelling service. Activities, such as local community support of the homeless have been initiated by various Non-profit Organisations (NPOs) and NPO activities are increasingly exemplifying measures to achieve social inclusion.
36
Bernheim, B. Douglas, Solange Berstein, Jagadeesh Gokhale, and Laurence J. Kotlikoff. "Saving and Life Insurance Holdings at Boston University – a Unique Case Study." National Institute Economic Review 198 (October 2006): 75–96. http://dx.doi.org/10.1177/0027950106074041.
Full textAbstract:
This study examines the saving and insurance behaviour of 386 Boston University (BU) employees who volunteered to receive financial planning based on ESPlanner (Economic Security Planner) — a detailed life-cycle financial planning model developed by Economic Security Planning, Inc. Because the employees received their own financial plan, they had a strong incentive to provide full and accurate financial information. Hence, the data appear to be of particularly high quality for studying saving and life insurance decisions.ESPlanner recommends annual levels of consumption, saving, and life insurance holdings that smooth a household's living standard through time subject to the household not exceeding its self-ascribed borrowing limit. The programme treats housing and special expenditures as ‘off-the-top’, adjusts for economies in shared living and the relative costs of raising children, makes highly detailed tax and Social Security benefit calculations, and permits users who don't want a stable living standard to specify how they'd like their living standards to change through time.Our findings are striking. First, the correlation between ESPlanner's saving and insurance prescriptions and the actual decisions being made by BU employees is very weak in the case of saving and essentially zero in the case of life insurance. Many employees are spending far more and saving far less than they should, while others are under-spending and oversaving. The same holds for life insurance. The degree of under-insurance seems particularly acute. Almost 13 per cent of those BU spouses who are secondary earners would experience a 40 per cent or greater drop in their living standards were their spouses to pass away in the near future. Another 13 per cent would experience a 20 to 40 per cent drop. Second, planning shortcomings are as common among high-income professors with significant financial knowledge as they are among low-income staff with limited financial knowledge. Third, two thirds of BU employees are not in a position to smooth their living standards without exceeding their debt limits.
37
du Toit, Jacques, and Claire Wagner. "The effect of housing type on householders' self-reported participation in recycling." Smart and Sustainable Built Environment 9, no. 4 (April 7, 2020): 395–412. http://dx.doi.org/10.1108/sasbe-04-2019-0055.
Full textAbstract:
PurposeThe purpose of this article is to examine the effect of housing type, relative to demographics, on householders' self-reported recycling across low-, medium- and high-density housing without recycling facilities by using the theory of planned behaviour.Design/methodology/approachA survey was conducted amongst 580 households across houses, townhouses and apartments in Pretoria, South Africa. The household member most responsible for recycling completed a self-administered questionnaire. Data were analysed using factor and reliability analyses, decision trees and multivariate analysis of variance.FindingsAge was the strongest predictor; the older the respondent, the more likely the household recycled. Housing type was the second strongest predictor with a significant increase in recycling in houses compared to townhouses and apartments. Subsequent analyses focussed on young respondents to control for age. Housing type had an overall non-significant effect on the factors behind recycling. Post hoc tests, however, suggest that young respondents in townhouses and apartments felt significantly less able to recycle, particularly because of lack of space and support from managing agencies.Practical implicationsFor recycling to be acceptable to young people in medium- and high-density housing, interior architects and site planners should find innovative ways to make individual and communal facilities as convenient and accessible as possible to tenants, owners and recycling companies. The role of managing agencies is also critical.Originality/valueThis study is one of the first to systematically examine recycling across three different housing types with recommendations for planning, design and further research.
38
Kolios, Bill. "Australian household debt and the macroeconomic environment." Journal of Economic Studies 48, no. 1 (April 29, 2020): 21–34. http://dx.doi.org/10.1108/jes-10-2019-0460.
Full textAbstract:
PurposeThis paper aims to investigate the effect of labour market conditions and monetary policy on households' attitude towards debt in the Australian context.Design/methodology/approachIn doing so, household debt is categorised into housing, and consumer debt and the relationship is empirically tested through the use of a vector error correction model.FindingsConsumer debt is found to be highly dependent on consumption with employment income and unemployment having a statistically insignificant effect, whilst monetary policy showing an inverse relation to consumer debt. The findings suggest that household consumption appears to be the primary determinant for consumer debt, which then behaves as a wage substitute. In terms of housing debt, income and monetary policy positively affect households' decisions with consumption and unemployment having a negative impact on the level of housing debt. The empirical results suggest that housing debt behaves as a proxy for household investment.Originality/valueThis paper empirically investigates the impact of selected macroeconomic variables on housing and personal debt separately. The findings suggest that monetary policy and labour market conditions have different impacts on the two separate debt types.
39
Atalay, By Kadir, Garry F. Barrett, Rebecca Edwards, and Chaoran Yu. "House Price Shocks, Credit Constraints and Household Indebtedness." Oxford Economic Papers 72, no. 3 (May 18, 2020): 780–803. http://dx.doi.org/10.1093/oep/gpaa017.
Full textAbstract:
Abstract We analyse the effect of housing wealth on household indebtedness in a life-cycle framework. Exploiting longitudinal household data and temporal and geographic variation in house prices, our empirical results indicate that households respond to increases in housing wealth by significantly increasing their debt. The effect is strongest for households that are moderately leveraged, highlighting the importance of collateral constraints. Furthermore, we uncover a weaker wealth effect from house price growth for households that have faced negative shocks to income or employment. Importantly, our findings are consistent with the theoretical predictions of the life-cycle model: households increase their mortgage debt, but not their unsecured credit card debt. A novel finding is that we uncover a moderate positive wealth effect on investment loans.
40
Syahrial, Syarif, and Suahasil Nazara. "Determinan Tipe Kepemilikan Rumah Perkotaan di Indonesia: Model Pilihan Kualitatif Menggunakan Data Susenas 2001." Jurnal Ekonomi dan Pembangunan Indonesia 7, no. 1 (July 1, 2006): 1–25. http://dx.doi.org/10.21002/jepi.v7i1.142.
Full textAbstract:
The development of housing study in Indonesia is relatively behind compared with the progressivity of this study in other countries. This study is a preliminary study on housing sector in Indonesia which concerns with the factors determining the probability of a person to own a house which is also known as housing tenure choice. This study will also reveal the factors that affect the expectation of a household that doesn't own a house to own one. The explanatory variables in this model include age variables, highest educational achievement, and the category of job status of the household head marital status, number of household members, and access to housing credit (Kredit Pemilikan Rumah) which affects the probability and expectation of a household to own a house. To get the location aspect, we also estimate our model for urban DKI Jakarta, Java with the exception of DKI Jakarta, and Sumatera.The data utilized in this study comes from Indonesia Socioeconomic Survey (SUSENAS) 2001 which is the result of Indonesian Statistical Bureau (BPS) survey in all the provinces in Indonesia. This study focuses in urban area in Indonesia and use qualitative choice model in the estimation process. This study also focuses on multiple choices estimation process with logit model.The result shows that the proportion of Indonesian households which live in urban area and own a hose is 73% of the total households which is very big. The proportion of the households with rent/contract is 15.8%. DKI Jakarta has the biggest proportion of households with rent/contract which is about 31.4%. The estimation results of urban house ownership choice model in Indonesia show that number of household members, marital status, age of the head of the household and access to housing credit have a positive impact on the probability of a household to own a house (non rent/contract).From the study of the expectation of a household that doesn't own a house to own one we found that only 30% of Indonesian urban households have expectation to own a house for the next five years. Estimation of household expectation function to own a house shows that marital status, education level, income, and head of the household that works in formal sector have positive and significant impacts on the probability of a household to expect to own a house in the next 5 years. One of the most important results concerns KPR and government policy concerning KPR. The Data shows that only 6.37% of the urban households in Indonesia utilize this facility. Down payment and increase in the household expenses as a consequence of credit payment are two of the major factors causing low access of the
41
Levy, Helen, and Thomas DeLeire. "What Do People Buy When They Don't Buy Health Insurance and What Does That Say about Why They are Uninsured?" INQUIRY: The Journal of Health Care Organization, Provision, and Financing 45, no. 4 (November 2008): 365–79. http://dx.doi.org/10.5034/inquiryjrnl_45.04.365.
Full textAbstract:
Using data from the Consumer Expenditure Survey, this study compares household spending on different goods by insured versus uninsured households, controlling for total spending and demographic characteristics. The analysis shows that uninsured households, on average, spend more on housing, food, alcohol, and tobacco compared to insured households. These results suggest that both prices and preferences, in addition to income, help explain why some households do not buy coverage; the findings also raise the possibility that the uninsured may lack coverage in part because they face higher prices for basic needs like housing and food.
42
Głuszak, Michał. "Multinomial Logit Model Of Housing Demand In Poland." Real Estate Management and Valuation 23, no. 1 (March 1, 2015): 84–89. http://dx.doi.org/10.1515/remav-2015-0008.
Full textAbstract:
Abstract When compared to mature housing markets, little has been done to understand the nature of demand on emerging housing markets in Central and Eastern Europe and to develop testable models for post-socialist economies. With the exception of Bazyl 2009 and Głuszak 2010, there is hardly any econometric evidence on factors behind housing tenure choices in Poland. The article focus mainly on: permanent (and current) income, household structure, lifecycle, and differences between local market characteristics. In the research, multinomial logistic regression is used to analyze factors that increase the probability of young households becoming homeowners. The major objectives of the study are: 1) estimation of housing demand at household level, 2) discussion of factors increasing the probability of becoming homeowner, 3) discussion of advantages and limitations of using classical qualitative response models to estimate housing demand. The research is based on latest European Union Statistics on Income and Living Conditions (EUSILC) 2007-2010 dataset (panel of approx. 4,500 households).
43
Akkerman, Abraham. "Age-Specific Household Size as a Demographic Aspect of Regional Disparity: Czech Republic, 1991." Canadian Studies in Population 31, no. 2 (December 31, 2004): 237. http://dx.doi.org/10.25336/p6zs3r.
Full textAbstract:
The post-communist transition to market economy in Central Europe over the last decade of the twentieth century had a significant impact on the demographic profile of the former Soviet bloc countries. Largely due to government policy and market conditions related to housing, this observation is particularly true for the Czech Republic. The present study shows housing as a facet of regional demographic differences within the Czech Republic. The household composition matrix is applied here as a demographic gauge to the behavioral response of households to Czech housing markets and policy. The matrix provides here a glance at households’ demographic behavior in the capital city of Prague and in the country’s other regions, during the early transition period, based on observations from the 1991 census. A summary feature of household composition is the age-specific household size shown for the various regions of the Czech Republic to trace the reduced standard Gamma function. Anomalies detected in the trajectory of age-specific household size for Prague confirm the unique housing market conditions in the capital city, and point to a commensurate demographic response in Prague as opposed to the rest of the country.
44
Sieg, Holger, and Chamna Yoon. "Waiting for affordable housing in New York City." Quantitative Economics 11, no. 1 (2020): 277–313. http://dx.doi.org/10.3982/qe1160.
Full textAbstract:
We develop a new dynamic equilibrium model with heterogeneous households that captures the most important frictions that arise in housing rental markets and explains the political popularity of affordable housing policies. We estimate the model using data collected by the New York Housing Vacancy Survey in 2011. We find that there are significant adjustment costs in all markets as well as serious search frictions in the market for affordable housing. Moreover, there are large queuing frictions in the market for public housing. Having access to rent‐stabilized housing increases household welfare by up to $ 65 , 000 . Increasing the supply of affordable housing by 10 % significantly improves the welfare of all renters in the city. Progressive taxation of higher‐income households that live in public housing can also be welfare improving.
45
Umar, Muhammad, Oyediran Olufemi Oyeleke, Moses Adegbile Adeleke, and Sulaiman Adekunle Ojeniyi. "Effect of Socio-Economic Attributes on Resident’s Satisfaction in Low-Density Area of Bauchi Metropolis." Path of Science 7, no. 6 (June 30, 2021): 2001–5. http://dx.doi.org/10.22178/pos.71-9.
Full textAbstract:
This study examined the effect of socio-economic attributes of residents on housing satisfaction in the Bauchi metropolis to reveal ways to improve households’ housing situation in the Bauchi metropolis. The study adopted a quantitative approach. The questionnaire was designed and administered to 380 House Hold Heads with 258 retrieved. Households were surveyed employing stratified random sampling to generate data on the households’ socio-economic attributes and housing satisfaction. Data collected were subjected to descriptive statistics (Mean score and frequency table) and multiple regression through the use of SPSS to examine the effect of variables. The study revealed that most households have means of earning income and that household size is large. Households in the low-density area have moderate satisfaction with their housing condition. The study demonstrated a significant effect of socio-economic attributes on housing conditions and satisfaction in the study area. As a matter of urgency, it was recommended that the government provide the lacking social amenities, renovate the deteriorating ones, and enforce development control standards.
46
Flavin, Marjorie, and Shinobu Nakagawa. "A Model of Housing in the Presence of Adjustment Costs: A Structural Interpretation of Habit Persistence." American Economic Review 98, no. 1 (February 1, 2008): 474–95. http://dx.doi.org/10.1257/aer.98.1.474.
Full textAbstract:
The paper provides a model of household consumption and portfolio allocation which incorporates housing as both a consumption good and a component of wealth. Household utility depends, possibly nonseparably, on two goods: nondurable consumption, which is costlessly adjustable, and housing, which is subject to a nonconvex adjustment cost. Households face housing price risk in the sense that the relative price of housing varies over time, and can invest in a wide variety of financial assets in addition to housing. This single, reasonably tractable, model generates testable implications for portfolio allocation, risk aversion, asset pricing, and the dynamics of nondurable consumption. (JEL D14, G11, R21)
47
Piekut, Marlena. "Between Poverty and Energy Satisfaction in Polish Households Run by People Aged 60 and Older." Energies 14, no. 19 (September 22, 2021): 6032. http://dx.doi.org/10.3390/en14196032.
Full textAbstract:
The household sector contributes significantly to a country’s energy consumption. Energy carrier expenses are the highest expenditures in Polish household budgets. Households run by individuals aged 60 and older are heavily burdened with energy expenditures. The scientific aim of the research is to present and assess housing conditions, with particular emphasis on energy poverty in households run by individuals aged 60 and older. Multivariate statistical analyses were used to conduct the research objectives (cluster methods, variance methods, regression methods). This paper identifies a new index—one that has been applied to the situation in Poland. Households that consist of elderly people are strongly diversified in terms of housing conditions (including energy conditions). There are concerns that some households are not able to access energy services that are required to satisfy basic human needs, particularly individuals with low levels of education, living on social benefits, with low disposable incomes, or living in the countryside. Households represented by men aged 60 and older have better energy supply than households run by women. The older the individual representing the household, the greater the likelihood that his/her energy service needs are not met.
48
Nwuba, Chukwuma Christopher, Iche U. Kalu, and John A. Umeh. "Determinants of homeownership affordability in Nigeria’s urban housing markets." International Journal of Housing Markets and Analysis 8, no. 2 (June 1, 2015): 189–206. http://dx.doi.org/10.1108/ijhma-06-2014-0020.
Full textAbstract:
Purpose – This paper aims to investigate homeownership affordability in Nigeria’s urban housing market to establish the determinants of households’ affordability outcomes, and the nature of their impact. Design/methodology/approach – The cross-sectional survey design was adopted. Semi-structured questionnaire was used to collect data from a sample of households selected through a stratified random technique across Kaduna State, the study area. The binary logistic regression was used to model the probability of homeownership affordability as a function of specified explanatory variables. Findings – Household income, savings, construction period and education are determinants of homeownership affordability with positive impact. Conversely, household size, cost of land, building cost inflation, current rental housing expenditures, non-housing expenditures and building cost relative to income are determinants of affordability with negative impact. Practical implications – The findings have the potential to provide a framework for formulation of policy measures to improve access to homeownership. Social implications – Delayed access to homeownership places pressure on the rented sector with the potential for rental housing affordability problems. It is a deferment of the actualisation of a strong aspiration which is detrimental to individual and family well-being and stability. Originality/value – The study extends the housing affordability debate to housing markets operating on informal financing where households build rather than buy their homes, an area hitherto not deeply explored. It provides empirical basis for problem-solving on housing affordability and can be a framework for housing policy reforms in Nigeria.
49
Awanyo, Louis. "Meeting Housing-Space Demand through in Situ Housing Adjustments in the Greater Accra Metropolitan Area, Ghana." Environment and Planning C: Government and Policy 27, no. 2 (April 2009): 302–18. http://dx.doi.org/10.1068/c0779b.
Full textAbstract:
In this primary research-based paper I highlight an officially neglected housing supply strategy in Ghana. I discuss the ubiquitous in situ housing strategies employed by households of varying socioeconomic means for meeting housing-space demand and the factors that condition these strategies in the Madina-Adenta area of the rapidly expanding Greater Accra Metropolitan Area. Income and available housing space, household and room occupancy rates, changes in household size, length of residence, tenure, and housing stress were factors in the adoption of housing-space strategies. While 44% of respondents expressed great need for additional housing space, lack of financial resources and the problem of affordability were primary constraints on their ability to employ an incremental housing-space strategy. Access to a good supply of affordable housing credit is thus viewed as a critical housing policy mechanism for enabling in situ housing construction.
50
Liévanos, Raoul S., Amy Lubitow, and Julius Alexander McGee. "Misrecognition in a Sustainability Capital: Race, Representation, and Transportation Survey Response Rates in the Portland Metropolitan Area." Sustainability 11, no. 16 (August 11, 2019): 4336. http://dx.doi.org/10.3390/su11164336.
Full textAbstract:
US household transportation surveys typically have limited coverage of and responses from people of color (POC), which may lead to inaccurate estimation of POC transportation access and behavior. We recast this technocratic understanding of representativeness as a problem of “racial misrecognition” in which racial group difference is obscured yet foundational for distributive transportation inequities and unsustainability. We linked 2008–2012 population and housing data to an apparent stratified random sample of 6107 household responses to the 2011 Oregon Household Activity Survey (OHAS) in a “sustainability capital”: the Portland, Oregon metropolitan area. We detailed how the 2011 OHAS consistently overrepresented White households and underrepresented Latinx/Nonwhite households in aggregate and at the tract-level. We conducted tract-level spatial pattern and bivariate correlation analyses of our key variables of interest. As expected, our subsequent tract-level spatial error regression analysis demonstrated that the percent of Latinx/Nonwhite householders had a significant negative association with 2011 OHAS household response rates, net of other statistical controls. Further analyses revealed that the majority of the ten “typical” tracts that best represented the spatial error regression results and racial misrecognition in the OHAS exhibited historical and contemporary patterns of racial exclusion and socially unsustainable development in our study area.