"The collection contains an incredibly rich amount of information, historical background, statistics, and ideas. It provides a significant contribution to our understanding of social reproduction, economic inequality, poverty, and the institutional mechanisms that shape wealth inequality. This book should be of interest to a broad audience."
- CONTEMPORARY SOCIOLOGY

"Assets for the Poor makes an important contribution to the debate on how the wealth-creating opportunities available to upper- and middle- class Americans can be extended to low income families. Many critical issues of asset development are discussed in this important book, which will be an essential resource for anyone concerned about the twin problems of poverty and inequality in American society today."
-JAMES MIDGLEY, University of California, Berkeley

"For those already convinced of the importance of assets for poor families, this comprehensive compendium will add breadth and depth. For those wavering as to whether asset-based policies are a useful anti- poverty tool, this book is likely to win you over."
- JARED BERNSTEIN, Economic Policy Institute, Washington, D.C.

'Assets for the Poor is the scholarly treatise on America's 'third revolution,' the movement to democratize capitalism. While the first struggle overcame foreign tyranny and the second defeated slavery to usher in an extended era of civil rights, the coming revolution will be over economic justice... an effort to secure for all families a share in the fruits of our democracy."
-J. LARRY BROWN, Brandeis University

Over the past three decades, average household wealth in the United States has declined among all but the richest families, with a near 80 percent drop among the nation's poorest families. Although the national debate about inequality has focused on income, it is wealth—the private assets amassed and passed on within families—that provides the extra economic cushion needed to move beyond mere day-to-day survival. Assets for the Poor is the first full-scale investigation into the importance of family wealth and the need for policies to encourage asset-building among the poor.

Assets for the Poor shows how institutional mechanisms designed to encourage acquisition of capital and property favor middle-class and high-income families. For example, the aggregate value of home mortgage tax deductions far outweighs the dollar amount of the subsidies provided by Section 8 rental vouchers and public housing. Banking definitions of creditworthiness largely exclude minorities, and welfare rules have made it nearly impossible for single mothers to accumulate savings, let alone stocks or real estate. Due to persistent residential segregation, even those minority families who do own homes are often denied equal access to better schools and public services.

The research in this volume shows that the poor do make use of the assets they have. Cash gifts—although small in size—are frequent within families and often lead to such positive results as homebuying and debt reduction, while tangible assets such as tools and cars help increase employment prospects. Assets for the Poor examines policies such as Individual Development Account tax subsidies to reward financial savings among the poor, and more liberal credit rules to make borrowing easier and less costly. The contributors also offer thoughtful advice for bringing the poor into mainstream savings institutions and warn against developing asset building policies at the expense of existing safety net programs.

Asset-building for low-income families is a powerful idea that offers hope to families searching for a way out of poverty. Assets for the Poor challenges current thinking regarding poverty reduction policies and proposes a major shift in the way we think about families and how they make a better life.

THOMAS M. SHAPIRO is professor of sociology at Northeastern University.

EDWARD N. WOLFF is professor of economics at New York University.

CONTRIBUTORS: Richard V. Burkhauser, John Sibley Butler, Stacie Carney, Dalton Conley, Nancy A. Denton, Kathryn Edin, William G. Gale, Robert Haveman, Lelvin L. Oliver, Laurence S. Seidman, Thomas M. Shapiro, Michael Sherraden, Seymour Spilerman, Mark J. Stern, Robert Weathers, Mark O. Wilhelm, Edward N. Wolff

A Volume in the Ford Foundation Series on Asset Building

A Volume in the American Sociological Association’s Rose Series in Sociology

"Excellent for anyone studying social change and social movements, as well as for business leaders."
-CHOICE

"Beyond the Boycott draws on careful analysis of cases ranging across time and space from the operation of the Sullivan Principles in South Africa in the apartheid era to monitoring apparel sub-contractors in contemporary Guatemala to generate a provocative and original proposition on the effectiveness of transnational labor rights campaigns. Gay Seidman's well-argued thesis that transnational activists should focus less on corporations and 'workers' rights as human rights' and more on states and 'workers' rights as citizenship rights' is a fresh and stimulating addition to debates on transnational activism that is sure to have a lasting impact."
-PETER B. EVANS, University of California, Berkeley

"In this imaginative study, Gay Seidman explores the implications of the pivotal shift among labor advocates in the anti-globalizaiton movement from a traditional 'labor rights' discourse targeting the national state to a focus on human rights at the global level that relies on 'stateless regulation.' The three case studies reveal the potential of this new form of transnational labor activism, but also expose its limitations-most importantly the ways in which it constructs workers as victims rather than as agents of social transformation. No one else has examined the anti-sweatshop movement and corporate 'codes of conduct' with such a subtle comparative touch. Beyond the Boycott is a must read for anyone concerned about labor and globalization, for scholars and advocates alike."
-RUTH MILKMAN, UCLA

"In Beyond the Boycott, the eminent labor sociologist Gay Seidman provides an indispensable analysis of one of the most urgent questions of our time: How can labor rights be enforced in a global system now devoted to the rights of capital and commerce? By critically examining three major attempts to use the tools of 'stateless regulation,' Seidman makes a powerful argument that transnational activists should refocus their campaigns on restoring the promise of state institutions and democratic citizenship. This gem of a book will be required reading for anyone concerned about social justice in an era of globalization."
-MARK BARENBERG, Columbia University

As the world economy becomes increasingly integrated, companies can shift production to wherever wages are lowest and unions weakest. How can workers defend their rights in an era of mobile capital? With national governments forced to compete for foreign investment by rolling back legal protections for workers, fair trade advocates are enlisting consumers to put market pressure on companies to treat their workers fairly. In Beyond the Boycott, sociologist Gay Seidman asks whether this non-governmental approach can reverse the “race to the bottom” in global labor standards.

Beyond the Boycott examines three campaigns in which activists successfully used the threat of a consumer boycott to pressure companies to accept voluntary codes of conduct and independent monitoring of  work sites. The voluntary Sullivan Code required American corporations operating in apartheid-era South Africa to improve treatment of their workers;  in India, the Rugmark inspection team provides ‘social labels’ for  handknotted carpets made without child labor; and in Guatemala,  COVERCO monitors conditions in factories producing clothing under contract for major American brands. Seidman compares these cases to explore the ingredients of successful campaigns, as well as the inherent limitations facing voluntary monitoring schemes. Despite activists’ emphasis on educating individual consumers to support ethical companies, Seidman finds that, in practice, they have been most successful when they mobilized institutions—such as universities, churches, and shareholder organizations. Moreover, although activists tend to dismiss states’ capabilities, all three cases involved governmental threats of trade sanctions against companies and countries with poor labor records. Finally, Seidman  points to an intractable difficulty of independent workplace monitoring: since consumers rarely distinguish between monitoring schemes and labels, companies can hand pick monitoring organizations, selecting those with the lowest standards for working conditions and the least aggressive inspections. Transnational consumer movements can increase the bargaining power of the global workforce, Seidman argues, but they cannot replace national governments or local campaigns to expand the meaning of citizenship.

As trade and capital move across borders in growing volume and with greater speed, civil society and human rights movements are also becoming more global. Highly original and thought-provoking, Beyond the Boycott vividly depicts the contemporary movement to humanize globalization—its present and its possible future.

GAY W. SEIDMAN is professor of sociology at the University of Wisconsin, Madison.

The United States spends billions of dollars annually on social and economic policies aimed at improving the lives of its citizens, but the health consequences associated with these policies are rarely considered. In Making Americans Healthier, a group of multidisciplinary experts shows how social and economic policies seemingly unrelated to medical well-being have dramatic consequences for the health of the American people.

Most previous research concerning problems with health and healthcare in the United States has focused narrowly on issues of medical care and insurance coverage, but Making Americans Healthier demonstrates the important health consequences that policymakers overlook in traditional cost-benefit evaluations of social policy. The contributors examine six critical policy areas: civil rights, education, income support, employment, welfare, and neighborhood and housing. Among the important findings in this book, David Cutler and Adriana Lleras-Muney document the robust relationship between educational attainment and health, and estimate that the health benefits of education may exceed even the well-documented financial returns of education. Pamela Herd, James House, and Robert Schoeni discover notable health benefits associated with the Supplemental Security Income Program, which provides financial support for elderly and disabled Americans. George Kaplan, Nalini Ranjit, and Sarah Burgard document a large and unanticipated improvement in the health of African-American women following the enactment of civil rights legislation in the 1960s.

Making Americans Healthier presents ground-breaking evidence that the health impact of many social policies is substantial. The important findings in this book pave the way for promising new avenues for intervention and convincingly demonstrate that ultimately social and economic policy is health policy.
 

ROBERT F. SCHOENI is professor of public policy and economics, the University of Michigan.

JAMES S. HOUSE is Angus Campbell Collegiate Professor of Sociology and Survey Research, the University of Michigan.

GEORGE A. KAPLAN is the Thomas Francis Collegiate Professor of Public Health, the University of Michigan.

HAROLD POLLACK is associate professor of social service administration, University of Chicago.

CONTRIBUTORS: Marianne P. Bitler, Jeanne Brooks-Gunn, Sarah A. Burgard, Janet Currie, David M. Cutler, Rebecca C. Fauth, Irv Garfinkel. Ben B. Hansen, Pamela Herd, Hilary Hoynes, Daniel Keating, Jean Knab, Adriana Lleras-Muney, Sara McLanahan, Jeffrey D. Morenoff, Enrico Moretti, Theresa L. Osypuk, Richard H. Price,  Nalini Ranjit, Ana V. Diez Roux, Christopher J. Ruhm, Sharon Z. Simonton.

A Volume in the National Poverty Center Series on Poverty and Public Policy

This widely acclaimed study of political power in a metropolitan community portrays the political system in its entirety and in balance—and retains much of the drama, the excitement, and the special style of New York City. It discusses the stakes and rules of the city's politics, and the individuals, groups, and official agencies influencing government action.

WALLACE S. SAYRE is Eaton Professor of Public Administration at Columbia University.

HERBERT KAUFMAN is associate professor of political science at Yale University.

The Dutch economy has often been heralded for accomplishing solid employment growth within a generous welfare system. In recent years, the Netherlands has seen a rise in low-wage work and has maintained one of the lowest unemployment rates in the European Union. Low-Wage Work in the Netherlands narrows in on the causes and consequences of this new development. The authors find that the increase in low-wage work can be partly attributed to a steep rise in the number of part-time jobs and non-standard work contracts—46 percent of Dutch workers hold part-time jobs. The decline in full-time work has challenged historically powerful Dutch unions and has led to a slow but steady dismantling of many social insurance programs from 1979 onward. At the same time, there are hopeful lessons to be gleaned from the Dutch model: low-wage workers benefit from a well-developed system of income transfers, and many move on to higher paying jobs. Low-Wage Work in the Netherlands paints a nuanced picture of the Dutch economy by analyzing institutions that both support and challenge its low-wage workforce.

WIEMER SALVERDA is director of the Amsterdam Institute for Advanced Labour Studies.

MAARTEN VAN KLAVEREN is researcher and consultant at STZ Consultancy and Research.

MARC VAN DER MEER is director of studies at the Amsterdam Institute for Advanced Labour Studies.

CONTRIBUTORS: Ria Hermanussen, Robert Solow, Wim Sprenger, Kea Tijdens, Arjen Van Halem. 

A Volume in the RSF Case Studies of Job Quality in Advanced Economies

"This book represents a step in the right direction by making important distinctions among types of social capital. Moreover, it addresses how social capital can be generated and used to combat poverty and promote social justice. By providing direction for policy and community practice, research, and teaching, this volume will be a useful addition to many courses and bookshelves."
-Journal of Community Practice

"A landmark accomplishment on three fronts: the evolution of social capital scholarship, our understanding of the causes and consequences of 'true disadvantage,' and our knowledge of effective approaches to working with poor communities. Deftly integrating the practical applications of theory and the theoretical implications of hard-won lessons from the field, this volume showcases the work of America's finest thinkers and doers in the rapidly expanding social capital universe. In conjunction with related work on poverty in low income countries, these U.S. cases powerfully demonstrate that a focus on building up the social, economic, and political assets-rather than harping on the 'deficits'-of poor communities can rest on rigorous conceptual and empirical foundations, and provide a coherent framework for informed policy and project recommendations. Too many books are labeled 'required reading,' but whether you're a new or seasoned reader of the social capital literature, this volume belongs at the top of the list."
-Michael Woolcock, World Bank and Harvard University

"Social Capital and Poor Communities shows why community building is critical to improving the lives of families in low-income communities, and offers fresh ideas for mobilizing social resources to improve housing, education, health, public safety, and economic development. This important book tackles tough questions about how community organizations can act effectively together, the importance of leadership development and institution-building, and the challenges of working in policy and political arenas. Bringing the latest in social science research together with the results of practical efforts to combat poverty, this volume is must reading for policymakers, practitioners, and all those concerned about justice and equity in America."
-Angela Glover Blackwell, PolicyLink

Neighborhood support groups have always played a key role in helping the poor survive, but combating poverty requires more than simply meeting the needs of day-to-day subsistence. Social Capital and Poor Communities shows the significant achievements that can be made through collective strategies, which empower the poor to become active partners in revitalizing their neighborhoods. Trust and cooperation among residents and local organizations such as churches, small businesses, and unions form the basis of social capital, which provides access to resources that would otherwise be out of reach to poor families.

Social Capital and Poor Communities examines civic initiatives that have built affordable housing, fostered small businesses, promoted neighborhood safety, and increased political participation. At the core of each initiative lie local institutions—church congregations, parent-teacher groups, tenant associations, and community improvement alliances. The contributors explore how such groups build networks of leaders and followers and how the social power they cultivate can be successfully transferred from smaller goals to broader political advocacy. For example, community-based groups often become platforms for leaders hoping to run for local office. Church-based groups and interfaith organizations can lobby for affordable housing, job training programs, and school improvement.

Social Capital and Poor Communities convincingly demonstrates why building social capital is so important in enabling the poor to seek greater access to financial resources and public services. As the contributors make clear, this task is neither automatic nor easy. The book's frank discussions of both successes and failures illustrate the pitfalls—conflicts of interest, resistance from power elites, and racial exclusion—that can threaten even the most promising initiatives. The impressive evidence in this volume offers valuable insights into how goal formation, leadership, and cooperation can be effectively cultivated, resulting in a remarkable force for change and a rich public life even for those communities mired in seemingly hopeless poverty.

SUSAN SAEGERT is professor of environmental psychology at the Graduate Center, City University of New York.

J. PHILLIP THOMPSON is Associate Professor in American politics, Columbia University.

MARK R. WARREN is associate professor in the Graduate School of Education at Harvard University.

CONTRIBUTORS:  Mark Chaves,  Cathy J. Cohen,  Cynthia M. Duncan,  Michael Foley,  Ross Gittell,  Sherman A. James,  Langley C. Keyes,  Margaret Levi,  M. Lisette Lopez,  John D. McCarthy, Lorraine C. Minnite,  Pedro A. Noguera,  Melvin L. Oliver,  Robert Putnam,  Robert J. Sampson,  Amy Schulz,  Robert Y. Shapiro,  Carol B. Stack,  Juliana van Olphen.

A Volume in the Ford Foundation Series on Asset Building

"Financing Low-Income Communities fills a significant gap in the literature on community development. While much has been written about organizational and political issues, relatively few works explain how to finance activities at the neighborhood level. By definition, low-income communities lack assets. This book is a guide for practitioners and a contribution to scholarship concerning best practices in raising the funds necessary to bring projects to fruition."
-Susan S. Fainstein, Harvard University Graduate School of Design

"Financing Low-Income Communities is a most timely examination of the most critical financial services issues of our day by leading scholars and activists. In exploring the behavior of individuals and their families, the practices of financial institutions, and the policies of regulatory and legislative bodies it maps out directions for steering investment to traditionally underserved communities."
-Gregory D. Squires, George Washington University

"Financing Low-Income Communities is necessary reading for public and private sector leaders addressing the challenges of bringing financial services and capital to poor communities. Leading experts provide critical insights into ways institutions can best serve low income communities, key metrics for evaluating community development programs and policy reforms to overcome the financial exclusion of marginalized neighborhoods."
-Susan M. Wachter, University of Pennsylvania

Access to capital and financial services is crucial for healthy communities.  However, many impoverished individuals and neighborhoods are routinely ignored by mainstream financial institutions.  This neglect led to the creation of community development financial institutions (CDFIs), which provide low-income communities with financial services and act as a conduit to conventional financial organizations and capital markets. Edited by Julia Sass Rubin, Financing Low-Income Communities brings together leading experts in the field to assess what we know about the challenges of bringing financial services and capital to poor communities, map out future lines of research, and propose policy reforms to make these efforts more effective.

The contributors to Financing Low-Income Communities distill research on key topics related to community development finance. Daniel Schneider and Peter Tufano examine the obstacles that make saving and asset accumulation difficult for low-income households—such as the fact that tens of millions of low-income and minority adults don’t have a bank account—and consider solutions, like making it easier for low-wage workers to enroll in 401(K) plans. Jeanne Hogarth, Jane Kolodinksy, and Marianne Hilgert review evidence showing that community-based financial education programs can be effective in changing families’ saving and budgeting patterns.  Lisa Servon proposes strategies for addressing the challenges facing the microenterprise field in the United States.  Julia Sass Rubin discusses ways community loan and venture capital funds have adapted in response to the decreased availability of funding, and considers potential sources of new capital, such as state governments and public pension funds.  Marva Williams explores the evolution and recent performance of community development banks and credit unions.  Kathleen Engel and Patricia McCoy document the proliferation of predatory lenders, who market loans at onerous interest rates to financially vulnerable families and the devastating effects of such lending on communities—from increased crime to falling home values and lower tax revenues. Rachel Bratt reviews the policies and programs used to make rental and owned housing financially accessible.  Rob Hollister proposes a framework for evaluating the contributions of community development financial institutions.

Despite the many accomplishments of CDFIs over the last four decades, changing political and economic conditions make it imperative that they adapt in order to survive.  Financing Low-Income Communities charts out new directions for public and private organizations which aim to end the financial exclusion of marginalized neighborhoods.

JULIA SASS RUBIN is assistant professor at the Edward J. Bloustein School of Planning and Public Policy at Rutgers University.

CONTRIBUTORS: Julia Sass Rubin, Rachel G. Bratt, Kathleen C. Engel, Marianne A. Hilgert, Jeanne M. Hogarth, Robinson Hollister, Jane Kolodinsky, Patricia A. McCoy, Daniel Schneider, Lisa Servon, Peter Tufano, and Marva E. Williams.

Shows what happens when a specific social policy is tried out on an experimental basis prior to being enacted into law. By providing a trial of a variety of negative income tax plans carried out over a three-year period in four communities, the New Jersey-Pennsylvania Income Maintenance Experiment was designed to observe whether income maintenance would lead to reduced work effort on the part of those who received subsidies. This book evaluates the final project reports on the experiment issued by Mathematica, Inc. and the Institute for Research on Poverty at the University of Wisconsin.

PETER H. ROSSI is professor of sociology and director of the Social and Demographic Research Institute at the University of Massachusetts, Amherst.

KATHARINE C. LYALL is assistant professor of political economy and senior research associate at the Center for Metropolitan Planning and Research, Johns Hopkins University.

A publication in the Continuities in Evaluation Research series.

Social Diagnosis is the classic in social work literature. In it Miss Richmond first established a technique of social casework. She discusses the nature and uses of social evidence, its tests and their practical application, and summarizes the lessons to be learned from history, science, and the law. While other aids in diagnosis have been added to the caseworker's equipment, the assembling of social evidence is still an important discipline of the profession, to which this volume continues to make a significant contribution. No revision of the book has ever been made nor does any later book take its place.

MARY RICHMOND was the director of the Charity Organization Department at the Russell Sage Foundation.

The number of people incarcerated in U.S. prisons and jails more than quadrupled between 1975 and 2005, reaching the unprecedented level of over two million inmates today. Annual corrections spending now exceeds 64 billion dollars, and many of the social and economic burdens resulting from mass incarceration fall disproportionately on minority communities. Yet crime rates across the country have also dropped considerably during this time period. In Do Prisons Make Us Safer? leading experts systematically examine the complex repercussions of the massive surge in our nation’s prison system.

Do Prisons Make Us Safer? asks whether it makes sense to maintain such a large and costly prison system. The contributors expand the scope of previous analyses to include a number of underexplored dimensions, such as the fiscal impact on states, effects on children, and employment prospects for former inmates. Steven Raphael and Michael Stoll assess the reasons behind the explosion in incarceration rates and find that criminal behavior itself accounts for only a small fraction of the prison boom. Eighty-five percent of the trend can be attributed to “get tough on crime” policies that have increased both the likelihood of a prison sentence and the length of time served. Shawn Bushway shows that while prison time effectively deters and incapacitates criminals in the short term, long-term benefits such as overall crime reduction or individual rehabilitation are less clear cut. Amy Lerman conducts a novel investigation into the effects of imprisonment on criminal psychology and uncovers striking evidence that placement in a high security penitentiary leads to increased rates of violence and anger—particularly in the case of first time or minor offenders. Rucker Johnson documents the spill-over effects of parental incarceration—children who have had a parent serve prison time exhibit more behavioral problems than their peers. Policies to enhance the well-being of these children are essential to breaking a devastating cycle of poverty, unemployment, and crime. John Donohue’s economic calculations suggest that alternative social welfare policies such as education and employment programs for at-risk youth may lower crime just as effectively as prisons, but at a much lower human cost. The cost of hiring a new teacher is roughly equal to the cost of incarcerating an additional inmate.

The United States currently imprisons a greater proportion of its citizens than any other nation in the world. Until now, however, we’ve lacked systematic and comprehensive data on how this prison boom has affected families, communities, and our nation as a whole. Do Prisons Make Us Safer? provides a highly nuanced and deeply engaging account of one of the most dramatic policy developments in recent U.S. history.

STEVEN RAPHAEL is professor of public policy at the University of California, Berkeley.

MICHAEL A. STOLL is professor and chair of public policy in the School of Public Affairs, University of California, Los Angeles.

CONTRIBUTORS: Shawn D. Bushway, John J. Donohue III, John W. Ellwood, Joshua Guetzkow, Harry J. Holzer, Rucker C. Johnson, Amy E. Lerman, Raymond Paternoster, Steven Raphael, Michael A. Stoll, David F. Weiman, and Christopher Weiss