This study is centred on the phenomenon of the child headed household in Rwanda. Such households have become an increasingly common occurrence in Sub-Saharan Africa, as a result, in particular, of the HIV/AIDS pandemic. This has caused millions of children to become orphaned, and has brought about new coping mechanisms. The case of Rwanda, however, differs from the majority of countries which have experienced the emergence of these households. Its uniqueness lies in the fact that its child headed households are a legacy of two major factors, that of genocide as well as HIV/AIDS. The genocide of 1994 resulted in the death of an estimated 800,000 people, and prompted mass displacement and estrangement of the majority of the population. There has been considerable interest in Rwanda‟s progress following the genocide on the part of academics, NGOs and development practitioners. Whilst some of this has focused on children and the vulnerable, the long term perspective has not been sufficiently considered. This research set out to address this by undertaking a longitudinal study over four years examining the child headed household in Rwanda. A core group of 42 households formed the sample, taken from urban, peri-urban, and rural areas and from a refugee camp. In the first place the study explores the definition of “child headed household” and offers a typology of the phenomenon. Second, it offers an analysis based on field work of the livelihood challenges to the children within these households, including the basic survival needs of land and property inheritance, income generation and education. Finally the psychosocial needs of the child headed households for acceptance and participation within communities were considered. This work considers the challenges to livelihood survival and the non-material needs of those in child headed households in Rwanda within the realities of daily life. It concludes that child headed households need to be redefined in terms of age, composition, and their particular narratives, and their variable composition is an integral characteristic. The livelihood needs of CHHs are particularly challenged by the lack of opportunities for income generation, access to land rights and changes in household life, including revisions in programmes and policies. Furthermore the non-material needs of the children in these households are often unacknowledged; their stories frequently portray a lack of family and community support, marginalisation and isolation, which contests widely held and historic understandings of family and community.

The aim of the study was to analyse the survival strategies of the poor households in Boitumelo township. The research methodology used herein was two fold: Firstly, a literature research based on economic journals, previous research projects, books and internet was done in order to develop a better understanding of poverty. Secondly, an empirical research survey using questionnaires was undertaken. Over the years there have been competing theories which provide an understanding of poverty. Each approach has its strengths and weaknesses. Poverty captures a wide range of meanings, depending on who is defining it. Although various technical solutions have been suggested for differentiating the poor and non-poor using the monetary approach, there is no theory of poverty that clearly differentiate the poor from the non-poor. The survey results showed that 41% of all households in Boitumelo are poor and on average have an income shortage of 63% to the poverty line. Poverty within the area has a gender bias as 76% of the poor are females. The large number of households below the poverty line provided ample opportunity for further analysis to find out about the activities that they use to sustain themselves. Being unemployed in government or manufacturing industries, the urban poor are compelled to create some sort of jobs for themselves. Street vending, odd jobs, gambling, seeking credit on exploitative terms, income from state welfare, begging for survival are just a few of the activities urban poor adopt to survive / Thesis (MCom (Economics))--North-West University, Vaal Triangle Campus, 2013

In this study the learning challenges faced by Black orphaned girl learners in the Xhariep District who head households, were explored. A literature study was undertaken to highlight the causes, magnitude and effects of child-headed households and to establish the learning challenges in general experienced by learners who head households. Important prerequisites for effective learning such as parental expectations, self-esteem, goal orientation, school attendance, positive attributions, motivation, need fulfilment, self-regulation, self-efficacy, cognitive development, parental involvement and socio-economic factors were explored. The literature review informed the conceptual framework of the study, and provided the framework for designing interview questions that were used to gain a deeper understanding of the learning challenges experienced by black girl learners who head households. By means of qualitative, phenomenological research, one-on-one interviews were conducted with a convenient sample of a purposively selected group of 10 Black girl learners at Secondary School Level who head households in the Xhariep District of the Free State Department of Education. The interpretation of the data revealed various learning challenges which are experienced by these learners due to their unfavourable circumstances as heads of households. The interview data revealed that the girls who take part in the study experience a lack of basic needs such as food and money and love and belonging. Furthermore, they experience emotional problems due to the death of their parents and the stressful situation of having the cope with numerous responsibilities at home and school. Due to the mentioned problems, the participants experience learning challenges related to irregular school attendance, difficulty in coping with and concentrating on their schoolwork, poor achievement and low self-esteem. According to the responses of the learners, it is difficult to be a child and a parent at the same time, having to account for all the responsibilities of being a learner and accomplishing the parental role. This study is concluded with recommendations to teachers on how to assist Black girl learners who head households in the Xhariep District. / MEd, Learning and Teaching, North-West University, Vaal Triangle Campus, 2011

The purpose of this study is to examine the relationship of Black males being raised in a mother-only household and their career aspirations. The absence of the father in a home stands at the forefront as the cause of family dysfunction, which subsequently leads to the destruction of many hopes and dreams of the Black male.Is a mother-only household a preconceived environment for failure for the Black male?

Magister Artium - MA / Overindulgence is widely regarded as a serious social problem in South Africa leading to obesity and associated medical and psychological issues. This study investigated overindulgence from the perspective of Islamic Studies. In the Muslim tradition, overindulgence is regarded as a vice which is contrasted with the virtue of temperance in the Qur’an and the Hadith. There is a long tradition of Muslim virtue ethics that draws from Greek philosophy but also from medieval Arabic sources. This study required an overview of such literature in order to profile contemporary discourse on the virtue of temperance against this historical background. Even though the virtue of temperance is praised, and the vice of overindulgence is frowned upon in Muslim communities, this does preclude overindulgence amongst Muslims, not even in the holy month of Ramadan. This may be understood in terms of the classic problem of moral formation where it is recognised that virtue cannot be taught. Knowledge of the good does not suffice for the realisation of the good. In terms of this study, this begs the question what kind of considerations play a role in motivating some Muslims to overindulge despite Muslim teachings in this regard, even amidst contexts of food insecurity. In this study, I investigated the perceptions of such considerations found within Muslim households associated with the Rylands and Belhar mosques. This required a Qualitative Approach where Semi-structured Interviews were conducted with around 10 households associated with each of these mosques. The local Imam in each case was asked to select ten such households of good moral standing. These interviews were recorded and analysed in order to describe the perceptions amongst Muslims of good moral standing with regards to the considerations that play a role in habits of over-indulgence. The study found several determinants of overindulgence within the selected Muslim households associated with the Rylands and Belhar mosques namely, food insecurity, spiritual apathy, emotional eating, conspicuous and hedonistic consumption as well as social environmental cues. However, food insecurity was exclusive to the Muslim community of Belhar who are distinctive from the inhabitants of Rylands in terms of social-economic status as well as race. This community is largely of Malay origin and is disadvantaged economically compared to their counterparts who are predominantly of Indian descent and enjoy a high-income status. The study found in both communities that Ramadan; a month of restraint, self-reflection, devotion, and worship had been turned into a month of indulgence and unhealthy eating. It was perceived that most Muslims squeeze a five-course meal in the few hours they can eat. The research further revealed that such individuals to be very meticulous of what type of food they consume when breaking their fast and would prefer oily fried foods to healthy food. This causes weight gain, health complications and sluggishness which stands in the way of worship. It was concluded that the majority gain weight due to their lifestyles. With regards to the implementation of moral formation, the study revealed self-discipline, leading by example and parents, educators and leaders playing an active role to be key in the formation of good morals. Additionally, the study found good moral formation can be achieved through habituation. Finally, the study found that the major constraints to moderate and healthy eating to be lack of self-discipline, the absence of virtue ethical education in Islamic institutions and finally Muslim leaders have prioritized the ḥalãl aspect of food and in the interim have forgotten to preach the importance of wholesome pure foods. The explanations offered in this study indicated the importance of the virtue of temperance in the fight against obesity and in the attainment of physical and spiritual wellbeing. This virtue which is a mean between two vices, namely self-indulgence and insensibility help in the journey towards a higher lifestyle and helps release all the dynamic forces that spiritually weigh down those in affluent as well as food insecure communities.

The research report submitted to the Faculty of Humanities, University of Witwatersrand, Johannesburg in fulfilment of the requirements for awarding the degree of Masters of Arts in Demography and Population Studies, 2017 / GR2018

Thesis advisor: Summer H. Hawkins / Thesis advisor: David Takeuchi / Dramatic increase in the number of people living to old age has led to a higher prevalence of three-generational households during the last few decades. And co-resident grandparents play a more important role in the lives of children as caregivers in three-generational households. However, little is known about the longitudinal effects of co-resident grandparents on grandchildren’s health. Using the National Longitudinal Study of Adolescent to Adult Health (Add Health) from Wave I-III, this three-paper dissertation explored the longitudinal effects of co-residence with grandparents on the physical and psychological health of grandchildren in three-generational households across racial/ethnic groups. Paper 1 investigated the determinants of co-residence with grandparents in three-generational households within the family context, showing that co-residence with a grandparent was associated with low socio-economic status for white families, and with family culture for Hispanic families. Paper 2 examined the influence of co-residence with grandparents on BMI trajectories as adolescents age into emerging adulthood across racial/ethnic groups. The results showed that Hispanic adolescents who lived with a grandparent showed significantly slower rates of BMI growth compared to those who have not lived with a grandparent during adolescence. Paper 3 examined how co-residence with a grandparent affects adolescents’ depressive trajectories as they age into early adulthood and whether this relationship varies by immigrant generational status. The results showed that Asian first-generation immigrant adolescents experienced less depressive symptoms than Asian second- and third- generation immigrant adolescents in three-generational households. This dissertation suggested that we attempt to provide intergenerational policies and services to improve the well-being of all family members. / Thesis (PhD) — Boston College, 2017. / Submitted to: Boston College. Graduate School of Social Work. / Discipline: Social Work.

Thesis advisor: Alicia H. Munnell / This dissertation contains three essays. Each considers an economic decision faced by elderly households. The cost of nursing home care represents a substantial financial risk for older households. Yet, only 10 percent purchase long-term care insurance (LTCI), with many relying on Medicaid. The first essay estimates a structural model of the LTCI purchase decision using Health and Retirement Study data. Estimates indicate that this population has a modest preference for higher quality care and thus Medicaid crowds out LTCI. In addition, housing wealth provides self-insurance against the cost of nursing home care, so that individuals who are "house-rich cash-poor" are less likely to purchase LTCI. I also evaluate public policies designed to stimulate the take-up of LTCI and reduce Medicaid spending. I find that a comprehensive 20 percent subsidy would increase take-up by 160 percent, but the resulting Medicaid savings would amount to only 22 percent of the subsidy cost. A targeted subsidy would be more likely to break even, but would have only a small effect on coverage. Full enforcement of Medicaid estate recovery programs would reduce Medicaid expenditure by 31 percent, but would have insignificant effect on LTCI coverage. The second essay investigates the impact of house prices fluctuations on the non-durable goods consumption decision of older households. House prices in the United States fluctuate over time with significant regional variation. Thus, understanding how these price movements affect households' consumption has important policy implications. Existing studies focus mostly on the working population, leaving the effect of older households, who could be either the largest beneficiaries or victims of house price fluctuations, unexamined. Using Health and Retirement Study data, I show that house price fluctuations significantly affect non-durable goods consumption of older households. Estimates indicate that both the wealth effect and a relaxed borrowing constraint increase consumption when house prices appreciate. In addition, I find that only unexpected changes in house prices lead to changes in consumption of non-credit constrained households, which is consistent with economic theory predictions. Finally, I provide evidence that older households usually fund the additional consumption by increasing mortgage debt, rather than by drawing down financial assets. The third essay evaluates the value of the additional longevity insurance acquired by delaying claiming social security benefit. Individuals can claim Social Security at any age from 62 to 70, although most claim at 62 or soon thereafter. Those who delay claiming receive increases that are approximately actuarially fair. I show that expected present value calculations substantially understate both the optimal claim age and the losses resulting from early claiming because they ignore the value of the additional longevity insurance acquired as a result of delay. Using numerical optimization techniques, I illustrate that for plausible preference parameters, the optimal age for non-liquidity constrained single individuals and married men to claim benefit is between 67 and 70. I calculate that Social Security Equivalent Income, the amount by which benefits payable at suboptimal ages must be increased so that a household is indifferent between claiming at those ages and the optimal combination of ages, can be as high as 19 percent. / Thesis (PhD) — Boston College, 2010. / Submitted to: Boston College. Graduate School of Arts and Sciences. / Discipline: Economics.

Fok, Sui Yan Maggie. / Thesis (M.Phil.)--Chinese University of Hong Kong, 2013. / Includes bibliographical references (leaves 49-57). / Electronic reproduction. Hong Kong : Chinese University of Hong Kong, [2012] System requirements: Adobe Acrobat Reader. Available via World Wide Web. / Abstracts also in Chinese.

This dissertation centers on the role of adverse shocks to household balance sheets in understanding consumer default behavior. The first chapter studies the role of foreclosure contagion: the role of proximate foreclosures in causally triggering other nearby residential defaults and foreclosures. I find that foreclosure activity causally increases nearby rates of consumer defaults. This paper uses an instrument further examined in the second essay which analyzes the role for adverse selection and moral hazard in mortgage markets; using as a distinction the initial and post-reset interest rates paid on Adjustable-Rate Mortgage contracts. The final essay analyzes the role for cancer diagnosis shocks on household default behavior.