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The SSRC Library allows visitors to access materials related to self-sufficiency programs, practice and research. Visitors can view common search terms, conduct a keyword search or create a custom search using any combination of the filters at the left side of this page. To conduct a keyword search, type a term or combination of terms into the search box below, select whether you want to search the exact phrase or the words in any order, and click on the blue button to the right of the search box to view relevant results.

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The SSRC Library includes resources which may be available only via journal subscription. The SSRC may be able to provide users without subscription access to a particular journal with a single use copy of the full text.  Please email the SSRC with your request.

The SSRC Library collection is constantly growing and new research is added regularly. We welcome our users to submit a library item to help us grow our collection in response to your needs.


  • Individual Author: Nuñez, Stephen Charles
    Reference Type: Thesis
    Year: 2011

    In this dissertation, I explore the role of values and moral judgments in credit markets. I focus on the frequenting of “fringe banks,” controversial institutions that serve those who have limited access to mainstream credit markets as a result of poverty and/or poor/no credit history. Among other intriguing results, I find compelling evidence that there are persistent statistical differences in payday and pawn loan usage across racial and ethnic groups that cannot be explained by disparities in wealth and credit access. Instead, I argue that they are the result of variations in the perception of the propriety of such loans, variations that have their root in the legacy of racial discrimination in mainstream credit markets in the United States. To make this case, I utilize both quantitative and qualitative data as well as a variety of novel statistical techniques. I analyze cross-site multi-wave survey data collected by The Center for Community Capital, The National Opinion Research Center and The Annie E. Casey Foundation. I strengthen my argument by drawing on excellent focus...

    In this dissertation, I explore the role of values and moral judgments in credit markets. I focus on the frequenting of “fringe banks,” controversial institutions that serve those who have limited access to mainstream credit markets as a result of poverty and/or poor/no credit history. Among other intriguing results, I find compelling evidence that there are persistent statistical differences in payday and pawn loan usage across racial and ethnic groups that cannot be explained by disparities in wealth and credit access. Instead, I argue that they are the result of variations in the perception of the propriety of such loans, variations that have their root in the legacy of racial discrimination in mainstream credit markets in the United States. To make this case, I utilize both quantitative and qualitative data as well as a variety of novel statistical techniques. I analyze cross-site multi-wave survey data collected by The Center for Community Capital, The National Opinion Research Center and The Annie E. Casey Foundation. I strengthen my argument by drawing on excellent focus group data supplied by The Center for Community Capital and The Center for Responsible Lending. This study represents a unique contribution to the sociology of credit and finance and demonstrates the importance of synthesizing structural and cultural approaches to the study of economic activity. (author abstract)

  • Individual Author: Aizer, Anna; Eli, Shari; Ferrie, Joseph P.; Lleras-Muney, Adriana
    Reference Type: Report
    Year: 2014

    We estimate the long-run impact of cash transfers to poor families on children's longevity, educational attainment, nutritional status, and income in adulthood. To do so, we collected individual-level administrative records of applicants to the Mothers' Pension program--the first government-sponsored welfare program in the US (1911-1935) --and matched them to census, WWII and death records. Male children of accepted applicants lived one year longer than those of rejected mothers. Male children of accepted mothers received one-third more years of schooling, were less likely to be underweight, and had higher income in adulthood than children of rejected mothers. (author abstract)

    We estimate the long-run impact of cash transfers to poor families on children's longevity, educational attainment, nutritional status, and income in adulthood. To do so, we collected individual-level administrative records of applicants to the Mothers' Pension program--the first government-sponsored welfare program in the US (1911-1935) --and matched them to census, WWII and death records. Male children of accepted applicants lived one year longer than those of rejected mothers. Male children of accepted mothers received one-third more years of schooling, were less likely to be underweight, and had higher income in adulthood than children of rejected mothers. (author abstract)

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