This dissertation examines the overlap of the racial composition of a neighborhood and the existence of a dual mortgage market in which prime and subprime lenders serve different neighborhoods and borrowers. Does subprime lending represent the democratization of credit or does it serve to track people by race? This dissertation employs Home Mortgage Disclosure Act Data, U.S. Census Data and the HUD Subprime Lender List to identify subprime loans. I use Hierarchical Linear Modeling to predict the likelihood of subprime for a borrower in Philadelphia, Baltimore, San Francisco and Alameda County California. The findings demonstrate that blacks and borrowers in black neighborhoods have a higher likelihood of originating a subprime loan than whites or borrowers in white neighborhoods. Further, blacks borrowing in largely white neighborhoods have an even higher likelihood of originating a subprime loan compared to their white neighbors than do blacks borrowing in largely black neighborhoods. These findings indicate that subprime lenders not only serve different neighborhoods, but also different borrowers regardless of the neighborhood in which they are borrowing and support the existence of a dual mortgage market that is defined by race. The results from the analysis examining the consequences of subprime lending for neighborhoods indicate that after controlling for neighborhood characteristics, the positive relationship between earlier and later rates of subprime lending disappears. Also, while higher rates of subprime refinance lending were associated with a decrease in neighborhood median income in 2000, subprime lending was associated with positive changes in median house value and percent of homeowners that are black in the neighborhood, although the effects of subprime on median house value disappeared after controlling for neighborhood conditions. The study points to the continued difficulties that black borrowers and borrowers in black neighborhoods face in obtaining a fair loan. As lending practices are reformed, it is important to keep in mind the need to ensure that minority borrowers who are in the position to afford a home loan maintain the ability to get a loan, but increased care must be taken to ensure that they obtain the ability to do so on fair terms. / Sociology

The first semester of practicum is a difficult time for counseling students as they learn to integrate knowledge and theory into clinical practice, often evoking high levels of anxiety (Barbee, Scherer, & Combs, 2003; Ronnestad & Skovholt, 1993) and limiting counselor selfefficacy (Bernard & Goodyear, 2009; Melchert et al., 1996). Practicum is the first opportunity counselors-in-training have to apply theoretical knowledge in a professional setting, use new clinical skills, and test how well they fit into the field of counseling (O‟Connell & Smith, 2005). Additionally, if counselor educators do not fully understand the process counselors in training develop counselor self-efficacy, they may be overlooking opportunities to educate a new generation of counselors or using their time, energy and resources in areas that may not be the most efficient in counselor development. The purpose of this study was to examine the effect of an embedded, rich-media distributed learning environment added to practicum had on the development of counselor self-efficacy, reduction of anxiety and effect on treatment outcomes for counselors in training in their first semester of practicum. This study found the use of distributed learning to extend education beyond the classroom significantly and positively affected the development of counselor selfefficacy, had mixed statistical results on the reduction of anxiety and did not have an affect on treatment outcome. Furthermore, the study used hierarchical linear modeling to see if the characteristics of individual practicums affected the three main constructs, the results did not find a significant effect from the groups. iv The results of the study produced several implications for counseling. First, if counselor educators help counselors in training become more aware of counselor self-efficacy, the students can better understand how the construct affects their anxiety, their comfort with expanding or improving their clinical skills and the approach they take to a client, session or treatment plan. A second implication is that using an embedded, rich-media learning environment may help the counselors in training to develop their clinical skills. The results of this study imply that utilizing technology and discussions beyond the classroom is beneficial for (a) increasing the students‟ counselor self-efficacy, (b) normalizing the emotions the students may experience and (c) improving the methods for development through vicarious learning. Also, as technology continues to evolve and as education continues to adapt by integrating technology into the classrooms, counselor educators should begin exploring how to best use technology to teach students during practicum. Traditionally, based on the nature of counseling, practicum has been an interpersonal experience, but the results of the current study imply the methods of extending learning beyond the traditional class time is beneficial. Finally, as counselor educators strive to increase students‟ counselor self-efficacy early in practicum, in an environment that contains anxiety and self-doubt (Bernard & Goodyear, 2009; Cashwell & Dooley, 2001) using vicarious learning through video and online discussions can assist in accomplishing the goal.

The present study explored the effects of the national and cultural contexts on students' mathematics achievement. The study also investigated the nature and magnitude of student-level (level 1), school-level (level 2), and country-level (level 3) factors that are associated with math achievement. The Program for International Student Assessment (PISA) 2018 datasets were used. The main predictors focusing on this study included university admission procedure and the country's culture of mindsets about intelligence at level 3, indicating extra-curricular activities at level 2, growth mindset, and resilience self-efficacy at level 1. Other than main predictors, various predictors including country's characteristics, school characteristics, school climate factors, students' demographic characteristics, and non-cognitive abilities were added in the analysis to examine the main predictors are statistically significant after controlling for other predictors. The findings of HLM analysis showed that mathematics achievement is associated with national and cultural contexts since the study found 31.30% of the total variation was accounted for level 3 in math achievement. Also, the significant findings of the study indicated that university admission procedure was significantly associated with country-mean math achievement while the country's culture of mindsets about intelligence was not at level 3. At level 2, providing extra-curricular activities in school was a significant predictor for math achievement. At level 1, a growth mindset and information and Communication Technology (ICT) usage were positively associated with math achievement. The other significant predictors for math achievement were found in the model. In addition, the study found that the compositional effect of ICT usage explained a significant amount of between schools and countries variance even after controlling for other predictors in the analysis. Moreover, the study found several counterintuitive association phenomena due to shift of meaning. These findings were explained in terms of practical and theoretical implications for policymakers, educators, and researchers to improve students' mathematics achievement. / Doctor of Philosophy / Policymakers and researchers have been concerned about the shortage of students pursuing STEM disciplines in the United States despite the increasing demand for STEM professionals. Since mathematical skills play an important role in a nation's economic development, improving mathematics performance is essential for developing professional STEM workers. Therefore, conducting a cross-national comparative study of mathematics achievement is needed to provide a useful empirical perspective and deeper understanding of mathematics performance. The present study examined the association of diverse predictors at the country-, school-, and student-level with math achievement using multilevel modeling which is also called hierarchical linear modeling (HLM). It was found that university admission procedure was significantly associated with country-mean math achievement at the country-level. Also, providing extra-curricular activities in school was a significant predictor for math achievement at the school-level and a growth mindset and information and Communication Technology (ICT) usage were positively associated with math achievement at the student-level. In addition, the study found the positive compositional effect of ICT usage at school- and country-level which indicates that developing the infrastructure of ICT in school and country should be needed to for high and sustainable students' math achievement. Moreover, the study found several counterintuitive association phenomena due to shift of meaning. These findings were explained in terms of practical and theoretical implications for policymakers, educators, and researchers to improve students' mathematics achievement.

Due to the difference in cultures and languages, language minority students, who are mostly immigrant students, are confronted with more demands than are mainstream students (Ogden, Sorlie, & Hagen, 2007). Further, when they are limited in English proficiency (LEP), they tend to perform at lower levels in school and to be at risk of school failure. Based on the previous studies that addressed the importance of students' social skills for school success, this study examined the social development of the language minority immigrant students from kindergarten to fifth grade and investigated the longitudinal effect of their social skills on their academic performance in comparison with the English-speaking mainstream students. Using a nationally representative database, the Early Childhood Longitudinal Study – Kindergarten Class of 1998-1999 (ECLS-K), this study first investigated the concurrent association between social skills and the academic achievement of fifth-grade students, and the profiles of their social skills during the first six years of schooling to identify the relative importance of various aspects of social skills that are related to academic performance. Next, the language minority student group, which was further divided based on their LEP status at kindergarten, was examined and compared with the mainstream student group with respect to their development patterns and levels of social skills from kindergarten to fifth grade. As a final step, the longitudinal effect of students' social skills on their reading and math performance was estimated and tested using the two-level hierarchical growth model. The result identified approaches to learning as the most important aspect of social skills related to academic achievement. Language minority immigrant students from families living in poverty displayed extremely unstable development in all aspects of social skills, including their approaches to learning. In addition, the longitudinal effect of the social skills on reading and math performance was significant for all students but larger for the students in poverty regardless of the language minority status. The positive effect of improved social skills was the largest for the group of students who displayed the most unstable social development, which were the language minority immigrant students who did not show LEP at kindergarten and who were living in poverty. This result suggests the needs of students living in poverty, especially language minority students, for relevant supports and intervention. / Ph. D.

This study explored forms of distributed leadership in schools and the relationship between these forms and various personal and organizational factors. Though all empirical constructs used in this study were carefully grounded in the existing literature on the topic, the organization and empirical investigation of these constructs in a systemic manner is a distinct contribution of the study. The research was conducted in one large Ontario district that had been promoting distribute leadership for years. The evidence consisted of the surveys of 92 principals, 52 vice-principals, and 2190 teachers from the district’s elementary schools. Various statistical analyses, including descriptive, correlation, regression, and multi-level modeling analyses, were used to analyze the gathered data. In the study schools, administrators and teachers perceived leadership for high-priority school initiatives being mostly distributed in an egalitarian and coordinated manner. They also associated this coordinated way of distribution with wider distribution of leadership. At the same time, teachers often experienced leadership being distributed by principals in an authoritative manner as well. This finding indicates that principal delegation remains a dominant form of leadership and should be studied alongside more egalitarian distributed forms. This research brings to light the differences in principals’, vice-principals’, teacher-leaders’, and classroom teachers’ experiences with distributed leadership. It is recommended for researchers to take into account these differences in their studies of school leadership. District and school leaders should also consider staff’s varied leadership experiences while developing distributed leadership forms in schools. The study also suggests that school conditions have more effect on the way leadership gets distributed in schools than personal beliefs and experiences of principals, vice-principals, and teachers do. This implies that in order to develop extensive and coordinated distributed leadership forms, which are believed to be more productive, school administrators should devote considerable effort to encourage teachers’ engagement in leadership activities, build cultures of trust and collaboration, develop structures supporting shared decision making, ensure staff’s commitment to shared goals and provide incentives and relevant resources.

This study explored forms of distributed leadership in schools and the relationship between these forms and various personal and organizational factors. Though all empirical constructs used in this study were carefully grounded in the existing literature on the topic, the organization and empirical investigation of these constructs in a systemic manner is a distinct contribution of the study. The research was conducted in one large Ontario district that had been promoting distribute leadership for years. The evidence consisted of the surveys of 92 principals, 52 vice-principals, and 2190 teachers from the district’s elementary schools. Various statistical analyses, including descriptive, correlation, regression, and multi-level modeling analyses, were used to analyze the gathered data. In the study schools, administrators and teachers perceived leadership for high-priority school initiatives being mostly distributed in an egalitarian and coordinated manner. They also associated this coordinated way of distribution with wider distribution of leadership. At the same time, teachers often experienced leadership being distributed by principals in an authoritative manner as well. This finding indicates that principal delegation remains a dominant form of leadership and should be studied alongside more egalitarian distributed forms. This research brings to light the differences in principals’, vice-principals’, teacher-leaders’, and classroom teachers’ experiences with distributed leadership. It is recommended for researchers to take into account these differences in their studies of school leadership. District and school leaders should also consider staff’s varied leadership experiences while developing distributed leadership forms in schools. The study also suggests that school conditions have more effect on the way leadership gets distributed in schools than personal beliefs and experiences of principals, vice-principals, and teachers do. This implies that in order to develop extensive and coordinated distributed leadership forms, which are believed to be more productive, school administrators should devote considerable effort to encourage teachers’ engagement in leadership activities, build cultures of trust and collaboration, develop structures supporting shared decision making, ensure staff’s commitment to shared goals and provide incentives and relevant resources.

The current study, initially aimed to explore the problem solving skills of the sixth grade students within the four-process problem solving framework including the processes of understanding the problem, devising a plan, carrying out the plan, and looking back and evaluating. Secondly, it aimed to investigate the relationships between student and teacher related characteristics and problem solving skills of the students. In the study, a model was proposed based on the related literature and this proposed model was tested by using hierarchical linear modeling (HLM) technique. A total of 2562 sixth grade students from 37 public elementary schools in the eight central districts of Ankara completed a problem solving skills test developed by the researcher and a student questionnaire. At the same time, mathematics teachers of the students participated in the study completed a teacher questionnaire. The results indicated that in general the sixth grade students displayed low performance in the overall problem solving skills test. Moreover, the students performed best in the process of understanding problem whereas they showed the worst performance in the process of looking back and evaluating. The results of the hierarchical linear modeling technique indicated that the student characteristics significantly and positively related to the problem solving skills of the sixth grade students were socioeconomic status, mathematics self concept, extrinsic motivation, use of control strategies, preference for competitive learning situation, and teacher support, on the other hand student level characteristics significantly and negatively related to the problem solving skills of the sixth grade students were mathematics anxiety, giving homework, activities related with homework, and different types of homework. Furthermore, the teacher level characteristics significantly related to the problem solving skills of the sixth grade students were only teacher gender and perceptions about limitations aroused from students. The characteristic of perceptions about limitations aroused from students was negatively related to problem solving skills of the students on the other hand teacher gender was found to be related to problem solving skills of the students in favor of female teachers. It was also found that there was no teacher level characteristic influencing the relationship that was between student level characteristics and the problem solving skills of the students.

Au croisement de la sociologie des classes populaires et de la sociologie urbaine, cette recherche analyse les effets de la rénovation urbaine dans les cités HLM, à partir d’une monographie dans le grand ensemble des Minguettes (Vénissieux). Elle souligne d’abord que cette politique, qui s’inscrit dans la continuité d’une action publique préoccupée par la maîtrise du peuplement, utilise l’espace résidentiel comme levier de transformation sociale, étendant ainsi l’encadrement des classes populaires au « monde privé », d’ordinaire préservé des rapports de domination. En analysant les pratiques de logeurs et les trajectoires résidentielles des habitants, elle met au jour les conséquences des transformations de l’habitat et des nombreuses mobilités résidentielles suscitées par les démolitions-reconstructions. Parvenant à retenir sur place une minorité de ménages appartenant aux fractions stables des classes populaires, elles ne bouleversent cependant pas le caractère majoritairement populaire du peuplement et ont surtout pour effet d’accentuer la hiérarchisation interne et les logiques de différenciation au sein de l’espace local. Ce travail met enfin en évidence les manières – différenciées selon les profils et les trajectoires – dont ces transformations résidentielles affectent les styles de vie localement en vigueur : elles mettent à l’épreuve les équilibres domestiques, encourageant le repli sur la sphère privée, et affectent les rapports au quartier, marqués par une plus grande réserve et une mise à distance du voisinage. / This research, which lies at the intersection between the sociology of the working classes and urban sociology, analyses the effects of urban renewal in areas of social housing, taking as its starting point a monograph of the social-housing estate of Les Minguettes in Vénissieux, in the south-eastern suburbs of Lyon. It first underlines the fact that this public policy, which follows in the tradition of public action aimed at controlling settlement patterns, uses residential space as a lever for social transformation, thus extending control over the working classes to the “private realm”, a sphere ordinarily exempt from such power relations. By analysing the practices of landlords and the residential trajectories of inhabitants, it sheds light on the consequences of transforming housing and of the many different forms of residential mobility generated by demolition and rebuilding operations. While only a minority of households, from the most stable sections of the working classes, typically remain in such neighbourhoods, these operations do not, however, radically change the broadly working-class character of the population, and tend above all to result in an accentuation of the internal hierarchies and differentiation processes at play within the local space. Lastly, this work reveals the various ways – depending on individual profiles and trajectories – in which these residential transformations affect dominant lifestyles locally: they challenge household equilibrium, encouraging inward-looking attitudes that focus on the private sphere, and affect residents’ relations with the surrounding neighbourhood, which are marked by greater reserve and a tendency to distance themselves from neighbours.

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The Council for the Accreditation of Educator Preparation (CAEP) has replaced its predecessors, the National Council for the Accreditation of Teacher Education (NCATE) and the Teacher Education Accreditation Council (TEAC) as the new sole accreditor for educator preparation in the United States. As the new accreditor, CAEP has established a new set of accreditation standards and cross-cutting themes by which it intends to measure educator preparation programs (EPPs) worthiness to received accredited status. These new standards and cross-cutting themes are untested and need to be researched in order to determine the degree to which they constitute valid and reliable measures of an EPP's potential to produce quality teachers. To evaluate one aspect of CAEP's new standards and cross-cutting themes (i.e., diversity), this study used hierarchical liner modeling to regress elementary candidates' student teaching performance assessment scores on school- and classroom-level diversity variables to evaluate the impact that being placed in a diverse field experience might have had on candidates' performance during student teaching. The analysis found that the levels of diversity in the student teaching placements had little to no impact on the elementary candidates' performance on diversity items on their teacher performance assessments completed by university supervisors and mentor teachers during student teaching. A confirmatory factor analysis also determined that the diversity related contextual factors of the schools used in the study could not be reduced to a single diversity score. Diversity is clearly a complex multidimensional construct comprised of a variety of interdependent yet distinct constructs. Developing competency in diversity and multiculturalism clearly requires more than simply being placed in a diverse student teaching placement. This does not discredit the practice of providing candidates a variety of field experiences; however the findings from this study call into question CAEP's assumptions regarding diversity and multicultural education embedded in its standards and cross-cutting themes.