'It's just part of what they do': Habitus, social class and youth volunteering policy

Encouraging young people to volunteer has emerged as a government priority over the last 15 years. Highly expensive schemes, such as the £200m invested in v, have been implemented to build on the existing volunteering infrastructure, develop community cohesion, social capital, and provide young people with the flexible skills and experiences they need to succeed in the jobs market. Drawing on research from two juxtaposed areas in England - one a deprived industrial town in the West Midlands called Eastwood, the other a prosperous borough called Croft in the South East - this paper and presentation offer initial conclusions as to what extent a government can mould its citizens into behaviours of voluntarism, especially those young people from hard to reach backgrounds

Expanding Credit Access: Using Randomized Supply Decisions to Estimate the Impacts

Expanding credit access is a key ingredient of development strategies worldwide. Microfinance practitioners, policymakers, and donors have ambitious goals for expanding access, and seek efficient methods for implementing and evaluating expansion. There is less consensus on the role of consumer credit in expansion initiatives. Some microfinance institutions are moving beyond entrepreneurial credit and offering consumer loans. But many practitioners and policymakers are skeptical about “unproductive” lending. These concerns are fueled by academic work highlighting behavioral biases that may induce consumers to over borrow. We estimate the impacts of a consumer credit supply expansion using a field experiment and follow-up data collection. A South African lender relaxed its risk assessment criteria by encouraging its loan officers to approve randomly selected marginal rejected applications. We estimate the resulting impacts using new survey data on applicant households and administrative data on loan repayment, as well as public credit reports one and two years later. We find that the marginal loans produced significant benefits for borrowers across a wide range economic and well-being outcomes. We also find some evidence that the marginal loans were profitable for the Lender. The results suggest that consumer credit expansions can be welfare-improving.Microfinance, credit impact, consumer credit

Identifying Information Asymmetries: New Methods and Evidence from a Randomized Field Experiment

This paper estimates the prevalence of asymmetric information in a consumer credit market using a field experiment of our design. A major South African lender issued 60,000 direct mail offers where the interest rate was randomized along two different dimensions — an initial “offer rate†on the direct mail solicitation, and a weakly lesser “contract rate†the applicant received after responding to the solicitation and agreeing to the initial offer rate. These two dimensions of random variation in interest rates, combined with the large sample (including 6,200 accepted offers) and complete knowledge of the Lender’s information set, will enable us to identify the prevalence and impacts of specific types of private information. Specifically, our setup distinguishes adverse selection from moral hazard/repayment burden effects on repayment and profitability, and thereby generates unique empirical evidence on the sources and importance (or lack thereof) of asymmetric information.adverse selection, moral hazard, field experiment

Challenging narratives : the importance of informal volunteering

This working paper seeks to highlight two issues. Firstly, that the research community often ignores the importance of informal volunteering, and secondly that to do so causes most harm to working-class communities

Baden-Powell’s Scouting for Boys : governmentality, state power and the responsibilization of youth

This paper will focus on two issues – those of responsibility, and how state power has gone through a transformation, from, as Simon Gunn has put it, ‘hegemony to governmentality’, and also on the impact of social class on ideas of participation for young people in organisations such as the scouts at the turn of the nineteenth century, and modern day volunteering

Youth volunteering policy : the rise of governmentality

Young people are increasingly encouraged to volunteer, perhaps as a panacea to combat personal and social problems (Sheard, 1995). This paper will explore why volunteering policy has developed this instrumental tendency in recent history. It will analyse Michel Foucault’s theories of governmentality, and use these as a frame to consider the advances made in youth policy over the last half century, but with particular regard to volunteering policy in the last 15 years. Using governmentality as a tool of analysis, it will argue that volunteering policy has become a device to responsibilize younger generations; a method to improve the authority of the young over their own lives and their local areas, whilst moulding behaviour which brings about individual and collective wellbeing. It is also argued that this follows a natural progression of youth policies to tackle the ‘problem of youth’

The role of the reflexive self in mailer's protests

In The Armies of the Night (1968) and Miami and the Siege of Chicago (1968/2008) Norman Mailer details the exploits of the anti-Vietnam war protestors and his role in the protests. With an ethnographer's eye for detail and a novelist's eye for imagery, he constructs a picture of youthful fear and exuberance, a totalitarian reaction to protest, and documents an America which he realises is slowing eating itself. In these nonfiction novels, he places himself at the centre of events, interpreting the data through his own frazzled, drink-fuelled, mischievous self. This article utilises Pierre Bourdieu's methodological framework of reflexive sociology to both critically analyse Mailer as an ethnographer and qualitative researcher and ask whether inquiry into social protest can be adequately conducted through the autobiographical gaze of a novelist. It is argued that by using such literary resources and techniques, we can, in the spirit of C. Wright Mills, move to a more public sociology where literary techniques are valued, rather than dismissed as unscientific

Class diversity and youth volunteering in the UK : applying Bourdieu's habitus and cultural capital

This article utilizes Pierre Bourdieu’s theories of habitus and cultural capital to offer some explanation as to why there is a lack of class diversity in formal volunteering in the United Kingdom. Recent studies have shown that participation in volunteering is heavily dependent on social class revolving around a highly committed middle-class “civic core” of volunteers. This article draws on original qualitative research to argue that the delivery of recent youth volunteering policies has unintentionally reinforced participation within this group, rather than widening access to diverse populations including working-class young people. Drawing on interviews with volunteer recruiters, it is shown that the pressure to meet targets forces workers to recruit middle-class young people whose habitus allows them to fit instantly into volunteering projects. Furthermore, workers perceive working-class young people as recalcitrant to volunteering, thereby reinforcing any inhabited resistance, and impeding access to the benefits of volunteering

Drawing what homelessness looks like : using creative visual methods as a tool of critical pedagogy

This article presents findings from a creative qualitative study, where drawing was used as a methodological tool to investigate university students' awareness of homelessness. Previous research (Breeze and Dean 2012; 2013) has shown that homelessness charities often utilise stereotypical images in their fundraising campaigns, focusing on the arresting issue of rough sleeping (rooflessness) as opposed to other, more widespread experiences of homelessness. In drawing 'what homelessness looks like' the images students produce are often rooted in familiar local scenes - local roofless people they see regularly, or replications of common media images, with a tendency to depoliticise and individualise homelessness as a social issue. These drawings show striking similarities, common themes, and indicate a lack of critical engagement with the complex problems within personal homelessness narratives. The efficacy of the methodological approach is assessed, with the role creative methods such as drawing can play in stimulating critical discussion of issues, such as gender and the media, highlighted. The article also argues that such methods can play a role in critical pedagogy, encouraging deeply reflexive accounts of participants' behaviour and knowledge. In policy terms however, this article concludes that it would be a risk for homelessness charities to utilise less stereotypical images in their fundraising materials, as the findings suggest such images align with those in the minds of potential donors