Government Subsidy In The U.S. Mortgage Market: A Structural Analysis With Bunching, Bowen Shi, Yunhui Zhao

Journal of Banking and Financial Economics

It is crucial to better understand the U.S. residential mortgage market, where the global financial crisis originated. In this paper, we develop an infinite-horizon continuous-time structural model to study the effects of the longstanding and widespread Government-Sponsored Enterprises (GSEs) mortgage default insurance subsidy on U.S. mortgage underwriters’ equilibrium lending behaviour. Despite the richness of the model, we obtain analytical solutions for the equilibrium loan size and interest rate. We then employ truncated loan-level data to estimate the subsidy’s magnitude using maximum likelihood by exploiting a distinctive data feature that many borrowers bunch at the subsidy eligibility cutoff. We find that …

Indirect Measure Of Financial Constraints: Evidence From Unquoted Innovative Smes, Katarzyna Prędkiewicz

Journal of Banking and Financial Economics

This paper examines whether companies’ innovativeness affects the availability of capital and, therefore, whether this group is financially constrained. It uses an objective, indirect way of measuring financial constraints based on the assumption that financially restricted firms only invest when internal cash flow allows them to do so. Therefore, the research was based on the investment-cash flow equation, more precisely the adjusted ECM model adapted to the SME sector. The companies’ innovativeness was measured based on a proprietary synthetic indicator covering a broad range of information on innovation activity. The research was conducted on a sample of 403 firms, including …

The Planned Reforms Of The American And European Deposit Insurance Systems: Similarities And Differences, Konrad Szeląg

Journal of Banking and Financial Economics

Last year, at around the same time, two reforms of deposit insurance systems were announced – one in the United States and the other in the European Union. The American proposal of the reform was triggered by the banking crisis of March 2023 (bank runs and failures) and it was put forward by the Federal Deposit Insurance Corporation in May 2023. In Europe, the European Commission published in April 2023 its legislative proposal to reform the current EU framework for crisis management in the banking sector (including both deposit insurance and bank resolution). The EU proposal for the reform was …

Journal Of Banking And Financial Economics 2024, 2(22)

Journal of Banking and Financial Economics

Journal of Banking and Financial Economics 2024, 2(22)

Predictors Of International Students' Acculturation Processes In The United States, Somaya Eissa

Senior Honors Theses and Projects

International students have unique acculturation experiences. There are several factors that can play a role in their acculturation process. This topic has not been widely investigated in midwestern middle sized universities in the United States. This study had four specific hypotheses. The first was that the assimilation model is going to be correlated to a stricter upbringing of the individual. The second was that the separation model is going to be correlated with higher religiosity. The third was that the integration model will be correlated with higher

levels of outgoingness. Lastly, that marginalization will be correlated with lower levels of …

Into The Activism: An Exploration Of Gen Z'S Political Participation, Nia J. Davis

Honors Undergraduate Theses

Gen Z is a considerably politically active generation. However, Gen Z differs from previous generations in their methodology, campaigning for change through both in person and digital activism. While both forms of activism are effective in their own way, digital poses a unique challenge. When people can be activists from the comfort of their phone, they become “slacktivists”. People whose activism does not contribute to any significant action outside of the internet (Serup Christensen).

Through interviews and focus groups, my documentary explores how Gen Z participates in activism, and what that means for the future of activism. After these discussions, …

Impacts Of Sex Work Criminalization On Sex Workers In Oregon: A Pilot Study, Stephanie Wahab, Katie Shammel

School of Social Work Faculty Publications and Presentations

Executive Summary

Context for the Study
In July, 2023, Oregon legislators voted to fund research exploring the impacts of the criminalization of sex work in Oregon. Unfortunately, the Governor vetoed the budget item, stating that the private sector should fund this type of public health research and noting the need for additional public discussion about the issue. To date, there have been no attempts to study the impacts of prostitution laws on the people most impacted by them in Oregon. The research presented in this report seeks to address this gap.

This qualitative pilot study was designed to better understand …

Justice As Fairness Or As Inclusion: Putting Rawls In Conversation With The Bans On Transgender Athletes, Nicole Player

Pomona Senior Theses

The last decade has seen a flurry of anti-transgender bills introduced and passed in the United States, and the topic that has likely been the most hotly debated regards the dozens of state bans on transgender athletes. While most discussions of these bans go straight to a debate about physiology, this thesis centers instead on a question of justice. In the debate of whether to allow a transgender girl to compete in girls’ sports, is it more “just” to prioritize fairness in women’s sport, as these bans do, or is it more just to prioritize inclusion? This thesis, in finding …

Lis Journals' Lack Of Participation In Wikidata Item Creation, Eric Willey, Susan Radovsky

Faculty and Staff Publications – Milner Library

There are many items in Wikidata representing scholarly articles. However, these items have been created mostly by volunteer Wikidata editors and not systematically by journal publishers or editors, which can lead to gaps and inconsistencies in the datasets. This article presents findings from a survey investigating practices of library and information studies (LIS) journals in Wikidata item creation. Believing that a significant number of LIS journal editors would be aware of Wikidata and some would be creating Wikidata items for their publications, the authors sent a survey asking 138 English-language LIS journal editors if they created Wikidata items for materials …

Consulting With An Embedded Librarian: Student Perceptions On The Value Of Required Research Meetings, Susan Franzen, Caitlin Stewart, Mallory Jallas, Joshua Newport

Faculty and Staff Publications – Milner Library

Objective: This qualitative research project was undertaken to discover how students perceive the embedded librarian in their nursing class. The researchers determined how a required group research meeting was valued by students and whether that value warranted the necessary time and energy by an embedded librarian.

Methods: Researchers conducted focus groups with twenty-three students from two different sections of the same nursing research methods undergraduate course. Students’ responses to a series of five questions were recorded within Zoom and supplemented by handwritten notes. Data was coded by hand and patterns that emerged from the five focus groups were …

Book Challenges And Collection Development In Academic Libraries, Cindy Hohl, Michael Fernandez, Rachel E. Scott

Faculty and Staff Publications – Milner Library

In March 2024, the American Library Association reported a “record number of unique book titles challenged in 2023.” These challenges can have a chilling effect on the work of librarians seeking to collect materials inclusive of human identities, religions, and experiences. The LRTS editors asked current American Library Association President Cindy Hohl to consider the intersection of book challenges and collection development in academic libraries.

Collection Data: Sharing, Discovery, Inspiration, And Innovation, Angela Yon

Faculty and Staff Publications – Milner Library

In recent years, the traditional use of digital collections as surrogates for the physical has shifted to a paradigm of viewing collections as data suitable for computational use and novel research methods. The burgeoning collections as data movement is gaining momentum among galleries, libraries, archives, and museums (GLAM) worldwide. Strategic initiatives, experimentation, innovation, and inspirational learning are occurring as digital libraries and digital humanities progress and work to develop sustainable approaches for collections as data programs. What is the position of collections as data in an ever-changing information landscape of open access, linked data, and shared data of cultural heritage …

Beyond A Land Acknowledgement: Taking A First Step Towards Reparative Action, David X. Lemmons, Tarida Anantachai, Kat Bell, Jason Byrd, Heather James, Erika Quintana, Gerie Ventura, Mea Warren

Foley Library Scholarship

The Logistics Committee of the Conference on Academic Library Management (CALM)’s 2023 conference posed a question early on in conference planning: what if we rejected the traditional model of land acknowledgements? In answering that question, the committee embarked on a year-long process to radically revise the statement to one focused on reparative action. This article covers the revision process, including what inspired it and how the committee structured their work.

Effect Of On-Duty Resistance Training On Neuromuscular Function In Structural Firefighters, Jamal L. Thruston

Theses and Dissertations--Kinesiology and Health Promotion

Participation in on-duty exercise is critical to enhance firefighter safety and readiness. However, these sessions are often interrupted with emergency responses and require firefighters to work in a fatigued state that may increase injury risk. Therefore, the purpose of this study was to assess the impact of on-duty resistance training on neuromuscular function. A sample of 18 firefighters (Age: 38.8±8.0yr; Body fat: 24.9±7.0%) completed 3 testing sessions, separated by at least 72 hr to compare the effects of circuit (CT) versus heavy resistance training (HRT) fatigue on neuromuscular function. During Session 1, anthropometrics and familiarization trials of balance and neuromuscular …

Familial Consequences Following Deconversion: Perceived Parental Openness, Intrinsic Religiosity, And Impact Of Familial Repair, Michaelia R. Conway

Master's Theses & Other Graduate Student Works

This January 2024 Master of Science in Psychology thesis at Lipscomb University looks at how previous research on deconversion from a Christian religious background to atheism indicates that individuals experience negative social consequences with family, friends, and community groups when they disclose that their beliefs have changed (Marriott, 2015); (Dollinger, 2018). Past research has shown that mothers are impacted by their emerging adult child’s deconversion (Marriott, 2015). Studies also indicate that parents who are extrinsically religious and less open to new experiences are more likely to dismiss their emerging adult child’s worldview (Marriott, 2015). These findings are all derived from …

Whose Vote Is It Anyway? A Geospatial Analysis Of The California Voter's Choice Act Ballot Drop Box Criteria In Santa Cruz County, Judith Heher

Master's Projects

The way Californians vote is changing. While some of the laws surrounding these changes are close to a decade old, the events of 2020 surrounding the November Presidential Election and the COVID-19 pandemic both accelerated and expanded the adoption of contactless voting approaches such as vote-by-mail and the ballot drop box. Neither tool is new to California voters. Vote-by-mail was introduced to the state in 1962 (CA Secretary of State, unknown) and ballot drop boxes were first used in 2014 (Sherman, 2020). In 2016 California Senate Bill 450 (SB-450, 2016) was signed into law. Also known as the Voters Choice …

The Silent Scream, Christine Roberts Gettys

Liberal Studies (MA) Final Essays

Abstract: The Silent Scream (a memoir) is one woman’s journey across six decades, dealing with physical and mental health conditions. Using vignettes and stream-of-consciousness, the author allows the reader to share lived experiences, demonstrating the interplay between cerebral palsy and childhood trauma. She analyzes 1) language development, 2) the power of biopsychosocial factors to create, intensify, recognize, manage, and mitigate stress, 3) the power of learning to identify and meet needs, and 4) the effectiveness of healthcare delivery and services. She advocates for trauma-informed and life-long learning, ongoing counseling, and increased awareness and proposes that engagement is its own outcome. …

School Librarians’ Self-Efficacy As Educational Technology Coaches, Becky P. Johnson

Education Dissertations

Although school librarians adapt and continue to thrive through radical changes, one in five school librarian positions are cut due to a loss of funding. One way school librarians can promote their knowledge in digital and information literacy and their skills as education leaders is to serve as educational technology (EdTech) coaches in their school community. With the influx of EdTech in schools, districts are shifting budgets and quickly adding technology-focused jobs, which leaves other positions at risk for job loss. This exploratory mixed-methods study examined the self-efficacy of school librarians to serve as EdTech coaches through the lens of …

Inclusive Publishing Strategies For Journal Staff And Prospective Authors In The Digital Humanities, Rachel Schrauben Yeates

Master's Projects

In this project, I will share the inclusive strategies and solutions to common pitfalls I observed in my exploratory review of a selection of DH online journals and share Inclusivity Guides tailored to journal staff and prospective authors to perform a quick audit of journal site design and content. I paid special attention to the information available to researchers considering submitting their work for publication. Which journals leave a good impression and provide potential authors with enough information to confidently submit their work? How can prospective authors assess a journal’s commitment to furthering and practicing inclusivity in their field, and …

Master Of Social Work Portfolio, Amber Thornton

Graduate Student Portfolios, Professional Papers, and Capstone Projects

This reflection on my journey through the Master of Social Work (MSW) program highlights the transformative influence of critical self-reflection, research, policy analysis, and leadership in shaping my development as a social worker. The program has equipped me with key competencies to engage effectively with individuals, families, groups, and communities, promoting empowerment and advancing social justice. Through hands-on experiences in individual engagement, family assessment, group intervention, and organizational evaluation, I have gained a holistic understanding of social work that emphasizes empathy, tailored interventions, and systemic change. My involvement in policy practice and advocacy has underscored the importance of evidence-based research …

Becoming An Advanced, Integrated Social Work Practitioner, Lindsay Klug

Graduate Student Portfolios, Professional Papers, and Capstone Projects

This portfolio reflects the author's journey of self-discovery and gaining real-world experience in the field of social work. It describes how the author has demonstrated mastery over the social work competencies outlined by the National Association of Social Workers (NASW) and the University of Montana.

Diverse Minds, Shared Planet: Designing, Assessing, And Adapting Curricula To Engage Diverse Learners With Their Environment And Inspire Positive Change, Mallory Rose Lampe

Graduate Student Portfolios, Professional Papers, and Capstone Projects

The pieces that compose this portfolio together explore how environmental education can connect diverse learners to their environment through the integration of accessible curricula to inspire stewardship and action to take care of the planet we share.

Lbsci 701: Fundamentals Of Library And Information Science, S E. Hackney

Open Educational Resources

No abstract provided.

Transforming The Route 228 Corridor: A Safe And Connective Approach, Michael Boeh

Master of Urban and Regional Planning Capstone Projects

This capstone plan centers around the Rt. 228/19 intersection and surrounding corridor located in Cranberry Township, Pennsylvania. In spite of recent projects, the intersection continues to convey feelings of danger and a lack of safety. This redesign project will utilize SketchUp to demonstrate how safety and connectivity can be prioritized and made a reality for the Rt. 228 corridor.

Best Practices For Community Outreach For The Virginia Eviction Reduction Pilot, Callie B. Houghland

Master of Urban and Regional Planning Capstone Projects

The purpose of this plan is to understand best practices for community outreach for the VERP program and provide materials to aid future outreach efforts. This plan has five parts. First, this plan will review characteristics that contribute to housing vulnerability, such as race or number of children, and consider which vulnerabilities should be prioritized in outreach. Then, this plan will identify how VERP grantees are currently conducting community outreach and who is being served through the program. Next this plan will look to understand who is missed between those who are most vulnerable and who are actually served across …

Social Invention For The Common Good: A Community Land Trust-Based Model For Affordable Accessory Dwelling Units, Adelaide Alexander

Master of Urban and Regional Planning Capstone Projects

Executive Summary

Vision: High-quality, affordable ADUs address the housing crisis and foster racial and economic justice for residents of the Richmond region

Key Research Findings

Of MWCLT’s 95 properties, 80 are suitable for the addition of ADUs and another 6 may be suitable, subject to property-specific analysis and permissions.

Richmond now allows ADUs by right in all residential districts, so ADUs could be developed as infill projects or as part of subdivisions in the City.

In Chesterfield and Henrico, developing ADUs as affordable rentals will be most feasible as part of subdivision, rather than infill, development.

Estimated rents for a …

Growth In Appalachia: Downtown Revitalization Strategies For Covington, Virginia, Tucker L. Keener

Master of Urban and Regional Planning Capstone Projects

This plan was created for the City of Covington, Virginia which is located in the Western part of the state in the Blue Ridge Mountains. This plan aims to identify the goals and desires of local community members and business owners that prioritize economic growth in the downtown core. The City of Covington has many great assets, and the goal of this plan is to leverage these assets to assist with downtown revitalization. Recommendations in this plan relate to ideas of enhancing downtown, creating and strengthening anchor institutions, and create downtown as a tourist destination.

Flood Resiliency And Sustainable Stormwater Management Plan, Cigdem Parlak Hancer

Master of Urban and Regional Planning Capstone Projects

No abstract provided.

Health-Based Urban Design And Planning Interventions; Maximizing Harmony, Vitality, And Wellness In Hopewell, Virginia, Suzanne K. Yeats

Master of Urban and Regional Planning Capstone Projects

Urban planners as practitioners work to create a more progressive future while simultaneously redressing the past. This tension is found in many cities, including the City of Hopewell, Virginia where city planners, managers, economic developers work passionately for positive change. In Hopewell, there has been almost no population growth since 1970 and existing health outcomes are alarming. In every determinant of health category (medical, psychological, or social), this city falls below the state and national average. This health-based urban design and planning intervention capstone challenges the status quo by flipping the paradigm and placing the health of all residents first …

Anticipating The Fall Line: A Plan For Equitable Trail-Oriented Development On Commerce Road, Eric King

Master of Urban and Regional Planning Capstone Projects

Once completed, the Fall Line trail will provide a 43-mile active transportation route through Central Virginia from Ashland to Petersburg. Three miles of the trail’s alignment follow Commerce Road in Richmond’s Southside. As Manchester continues to undergo rapid change, trail-oriented development (TrOD) offers an opportunity to accommodate growth and transform the industrial corridor into a mixed-use destination as envisioned by the city’s master plan. While TrOD within the study area represents both economic and community development, relatively low residential property values and median incomes within surrounding neighborhoods warrant proactive measures to mitigate potential displacement pressures. Drawing from precedents set by …