Social and Behavioral Sciences Commons^™

Small Individual Loans And Mental Health: A Randomized Controlled Trial Among South African Adults, Lia C. H. Fernald, Rita Hamad, Dean Karlan, Emily J. Ozer, Jonathan Zinman

Dartmouth Scholarship

Background: In the developing world, access to small, individual loans has been variously hailed as a poverty-alleviation tool – in the context of "microcredit" – but has also been criticized as "usury" and harmful to vulnerable borrowers. Prior studies have assessed effects of access to credit on traditional economic outcomes for poor borrowers, but effects on mental health have been largely ignored.

Methods: Applicants who had previously been rejected (n = 257) for a loan (200% annual percentage rate – APR) from a lender in South Africa were randomly assigned to a "second-look" that encouraged loan officers to approve their …

"It's All One Big Circle": Welfare Discourse And The Everyday Lives Of Urban Adolescents, Staci T. Lowe

The Journal of Sociology & Social Welfare

Welfare reform succeeded, in part, because of discourse that characterized the poverty problem as one of long-term dependency and personal irresponsibility. Adolescent pregnancy was targeted as both cause and manifestation of a welfare crisis. This study examined how welfare reform was perceived and experienced by lowincome, urban adolescents. Findings from interviews revealed that adolescents agreed with many of the basic tenets of welfare reform, largely because they had appropriated much of the discourse prevalent in wider society. However, their complex life stories contained a powerful subtext concerning structural determinants of poverty that ran counter to prevailing notions of "personal responsibility."