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Full-Text Articles in Social Work
Home Mortgage Lending In St. Louis City: An Analysis Of 1992 And 1994 Home Mortgage Disclosure Act Data, Edward Scanlon, Shirley Emerson
Home Mortgage Lending In St. Louis City: An Analysis Of 1992 And 1994 Home Mortgage Disclosure Act Data, Edward Scanlon, Shirley Emerson
Center for Social Development Research
This report examines home mortgage lending data in St. Louis City in 1992 and 1994. Our primary purpose is to determine how race, income level and neighborhood location relate to home mortgage loan application denial rates. Overall, it is demonstrated that race, income level and negative neighborhood conditions are predictive of loan denial in St. Louis City. The study begins with an overview of related literature. The second section describes our study, and provides information regarding the data set, our variables and research procedures. Part three is a report of our findings. The final section draws conclusions and suggests implications …
Human Capital And Social Work, Sondra Beverly, Michael Sherraden
Human Capital And Social Work, Sondra Beverly, Michael Sherraden
Center for Social Development Research
This article is an update and continuation of Theodore Schultz’s seminal, but largely unheeded, 1959 article on human capital. Like Schultz, we suggest that building human capital should be a key development strategy for social workers. Empirical research demonstrates that human capital has important positive outcomes. However, opportunities for human capital development are not equally accessible to all. By facilitating human capital development among disadvantaged groups, social workers can help individuals obtain skills that will enable them to compete in post-industrial labor markets. This emphasis on investment and development is particularly relevant today since, in the current political climate, there …