Karen Rowlingson
Dados Biográficos
| ID | 272878 |
|---|---|
| NOME | Karen Rowlingson |
| PRENOMES | Karen |
| SOBRENOME | Rowlingson |
| ASSINATURA | ROWLINGSON K |
| AFILIAÇÕES | University of Bath |
| ORCID | 0000-0002-3541-6466 |
| VERIFICADO | Sim |
| TOTAL DE OBRAS | 44 |
| TOTAL DE CITAÇÕES | 200 |
| TOTAL COMO AUTOR | 42 |
| TOTAL COMO EDITOR | 3 |
| PRIMEIRO ANO DE PUBLICAÇÃO | 1996 |
| ANO MAIS RECENTE DE PUBLICAÇÃO | 2022 |
| ÍNDICE H | 9 |
Want
Beveridge claimed that ‘want’ was ‘ in some ways the easiest [giant] to attack ’ and yet 80 years after his report was published, poverty persists and indeed, has been increasing in recent years. In this article, we review both the key features of the Beveridge Report in relation to poverty and its implementation by the Labour government 1945–51, before turning to an analysis of how social security policy has changed since then. We then review ch…
The Effect of Personal Finance Education on The Financial Knowledge, Attitudes and Behaviour of University Students in Indonesia
There is much debate about the impact of personal finance education on financial knowledge, attitudes and behaviour, particularly based on studies in the United Kingdom (UK) and United States of America (US). This paper makes a contribution to this debate, drawing on analysis of a survey of 521 undergraduate students at Bogor Agricultural University (IPB) in Indonesia in 2015. As part of that study, we measured the impact of a 14-week personal fi…
Personal Savings for Those on Lower Incomes
This article explores the role of the state in helping households to save. Using the UK as an example of challenges faced in other developed countries, it develops a framework for comparing saving schemes along two dimensions: apparent normative motivation for the scheme and likely impact on savers of varying income levels. Using this framework, our analysis suggests that there is much greater state support for high-income savers than low-income …
Payday lending in the UK
Concern about the increasing use of payday lending led the UK's Financial Conduct Authority to introduce landmark reforms in 2014/15. While these reforms have generally been welcomed as a way of curbing 'extortionate' and 'predatory' lending, this paper presents a more nuanced picture based on a theoretically-informed analysis of the growth and nature of payday lending combined with original and rigorous qualitative interviews with customers. We …
Lone Parent Families
Appropriate as supplemental reading for courses in Social Policy and Social Studies that examine the role of parenting in society. The subject of lone mothers is a controversial and highly topical social and political issue. This unique core text examines the key issues in the debate, and assesses their impact on the UK and other countries in a comprehensive and accessible way. Broad in scope, it covers a wide range of issues including gender rol…
Questions
Reducing poverty is important for those affected, for society and the economy. Poverty remains entrenched in the UK, despite considerable research efforts to understand its causes and possible solutions. The Joseph Rowntree Foundation, with the Centre for Science and Policy at the University of Cambridge, ran a democratic, transparent, consensual exercise involving 45 participants from government, non-governmental organisations, academia and rese…
Children and Financial Education
Financial education is viewed by both policy makers and the public as an increasingly important tool for developing financially capable citizens in an era of increasing individual financial responsibility. This paper considers the recent history of school involvement in teaching financial education. It then draws on research undertaken in summer 2010 at two Birmingham primary schools to explore children's understandings of key financial issues. T…
Introduction
This themed issue examines household finances within the context of the 2007 banking crisis, which triggered the biggest downturn in many global economies since the Great Depression in the 1930s. The effects of this crisis and subsequent global recession were still unfolding at the time the articles of this issue were submitted to the journal. The election of the coalition government in May 2010, and its emergency budget aimed at reducing the nat…
Her House, His Pension? The Division of Assets Among (Ex-) Couples and the Role of Policy
Despite increasing interest in household assets and debts, little is known about the way these are distributed and controlled within couples. Our understanding of these issues is important in social policy not least because some areas of policy (e.g. social security means-tests) assume that all couples, whether married/civil partnered or not, share assets equally, whereas other areas of policy, such as the law around intestacy or separation/divor…
The 'Deserving' Rich? Inequality, Morality and Social Policy
There is a long tradition in social policy of discussing and critiquing the notion of 'deservingness' in relation to 'the poor'. This paper will apply such debates to 'the rich' to consider the grounds on which this group might be considered 'deserving'. The paper identifies three sets of arguments. The first set of arguments concerns the appropriateness ofrewardingmerit/hard work/effort/risk-taking etc. The second concerns more consequentialist/…
Do We Still Care about Inequality?
The annual British Social Attitudes survey is carried out by Britain's largest independent social research organisation, the National Centre for Social Research. It provides an indispensable guide to political and social issues in contemporary Britain, summarising and interpreting data from the most recent nationwide survey, as well as drawing invaluable comparisons with the findings of previous years to provide a richer picture and deeper unders…
Social security and welfare reform
This chapter reviews New Labour’s social security and welfare reform policies. Blair achieved a ‘paradigm shift’ by putting ‘poverty’ back on the policy agenda. His pledge to eradicate child poverty was a major turning point in welfare reform, although the failure to achieve even the interim targets in poverty reduction may come back to haunt his successor(s). The emphasis on poverty was a radical departure from the previous governments, but the …
Social security and welfare reform
This chapter reviews New Labour's social security and welfare reform policies. Blair achieved a ‘paradigm shift’ by putting ‘poverty’ back on the policy agenda. His pledge to eradicate child poverty was a major turning point in welfare reform, although the failure to achieve even the interim targets in poverty reduction may come back to haunt his successor(s). The emphasis on poverty was a radical departure from the previous governments, but the …
Is the Death of Inheritance Tax Inevitable? Lessons from America
In 2001, George Bush repealed estate tax in America. This was a shock to many in the US as inherited privilege had never been popular in a country where individuals were supposed to secure the American Dream through their own efforts. The tax had existed for over a century and only 2 per cent of the richest Americans paid it. But the repeal lobby managed to build an unlikely and broad alliance against the ‘Death Tax’ (as they managed to rename it…
Research Round-up
Research Round-up
Research Round-up
Lone‐Parent Families
The growth of lone parenthood is a trend common to many advanced industrial countries. In 1990 Britain had one of the highest rates of lone parenthood in Europe (with 19 percent of families with children being lone‐parent families) along with Sweden (19 percent), Norway (19 percent), and Denmark (18 percent). The European countries with some of the lowest levels included Greece (5 percent), Ireland (9 percent), Italy (7 percent), Portugal (6 perc…
A Problem of Riches
The distribution of economic resources in society is a central concern for social policy. But research in this area has primarily concentrated on the bottom of the economic distribution, namely 'the poor'. In this article, we argue that it is time for social policy to move away from a narrow focus on poverty to consider the broader issue of inequality between different groups in the economic distribution and, by implication, the position of bette…
Research Round-up
Research Round-Up
Research Round-Up
Living Poor to Die Rich'? Or 'Spending the Kids' Inheritance'? Attitudes to Assets and Inheritance in Later Life
A significant, and probably increasing, proportion of older people are 'asset rich, income poor'. This raises a number of social policy issues around poverty and living standards in later life. For example, perhaps older people are 'living poor to die rich' because they wish to pass on their assets to future generations or because they feel they have an 'inalienable right' to their property. Or perhaps they would like to use up their assets but f…
Research Round-Up
Research Round-Up aims to highlight new research in the field of benefits, poverty, social exclusion and inequality. Regular contributions come from the Department for Work and Pensions (DWP) and the Joseph Rowntree Foundation (JRF), but we are keen to welcome contributions from anyone carrying out research in these areas. Alongside DWP and JRF in this issue we are highlighting research from the Centre for Analysis of Social Exclusion at the Lond…
Research Round-Up
Three research projects from the Department for Work and Pensions kick off this issue’s research round-up. They aim to answer the following questions: What makes for a good Housing Benefit manager? How well did Jobcentre Plus deliver the New Tax Credits policy? What can the UK learn from Australia about providing financial support for young people? Following these reports we have four summaries of working papers from the University of Hull. These…
Female finances
The size and source of the gender wage gap in Britain has been well researched. Women's typically lower status employment and their reduced, discontinuous career profiles when they have caring responsibilities have combined seriously to damage their ability to earn a decent wage. Such marked gender differences in employment patterns produce a substantial gender gap in levels of wealth too, yet despite this there has been less attention paid to th…
Her House, His Pension? The Division of Assets Among (Ex-) Couples and the Role of Policy
Despite increasing interest in household assets and debts, little is known about the way these are distributed and controlled within couples. Our understanding of these issues is important in social policy not least because some areas of policy (e.g. social security means-tests) assume that all couples, whether married/civil partnered or not, share assets equally, whereas other areas of policy, such as the law around intestacy or separation/divor…
The 'Deserving' Rich? Inequality, Morality and Social Policy
There is a long tradition in social policy of discussing and critiquing the notion of 'deservingness' in relation to 'the poor'. This paper will apply such debates to 'the rich' to consider the grounds on which this group might be considered 'deserving'. The paper identifies three sets of arguments. The first set of arguments concerns the appropriateness ofrewardingmerit/hard work/effort/risk-taking etc. The second concerns more consequentialist/…
Private Pension Planning
Over the last twenty years, policy-makers have placed increasing emphasis on individual planning, particularly in relation to pensions. Planning for one's own future, and that of one's family, is increasingly upheld as a morally responsible activity. This article explores the assumptions made by policy-makers in this area. It begins with a discussion of how the rhetoric from policy-makers and policy-commentators makes considerable reference to in…
Lone Motherhood and Socio-Economic Disadvantage
Children's socio-economic origins have a major impact on their socio-economic destinations. But what effect do they have on other kinds of destinations, such as family life? In this article we assess the extent and nature of the relationship between social class background and lone motherhood, using a combination of research methods. We analyse three large datasets and explore in detail qualitative information from 44 in-depth interviews. Our ana…
Low-Income Households and Credit
In this paper it is suggested that current debates on financial exclusion are often too narrowly drawn and institutionally focused. As a consequence, less recognition is given to the availability and use of other regulated financial services such as mail order and moneylending. Drawing on data from a number of recent studies, the authors explore the structures and processes involved in the provision and use of these additional credit sources and …
Payday lending in the UK
Concern about the increasing use of payday lending led the UK's Financial Conduct Authority to introduce landmark reforms in 2014/15. While these reforms have generally been welcomed as a way of curbing 'extortionate' and 'predatory' lending, this paper presents a more nuanced picture based on a theoretically-informed analysis of the growth and nature of payday lending combined with original and rigorous qualitative interviews with customers. We …
A Problem of Riches
The distribution of economic resources in society is a central concern for social policy. But research in this area has primarily concentrated on the bottom of the economic distribution, namely 'the poor'. In this article, we argue that it is time for social policy to move away from a narrow focus on poverty to consider the broader issue of inequality between different groups in the economic distribution and, by implication, the position of bette…
Living Poor to Die Rich'? Or 'Spending the Kids' Inheritance'? Attitudes to Assets and Inheritance in Later Life
A significant, and probably increasing, proportion of older people are 'asset rich, income poor'. This raises a number of social policy issues around poverty and living standards in later life. For example, perhaps older people are 'living poor to die rich' because they wish to pass on their assets to future generations or because they feel they have an 'inalienable right' to their property. Or perhaps they would like to use up their assets but f…
Personal Savings for Those on Lower Incomes
This article explores the role of the state in helping households to save. Using the UK as an example of challenges faced in other developed countries, it develops a framework for comparing saving schemes along two dimensions: apparent normative motivation for the scheme and likely impact on savers of varying income levels. Using this framework, our analysis suggests that there is much greater state support for high-income savers than low-income …
Questions
Reducing poverty is important for those affected, for society and the economy. Poverty remains entrenched in the UK, despite considerable research efforts to understand its causes and possible solutions. The Joseph Rowntree Foundation, with the Centre for Science and Policy at the University of Cambridge, ran a democratic, transparent, consensual exercise involving 45 participants from government, non-governmental organisations, academia and rese…
Is the Death of Inheritance Tax Inevitable? Lessons from America
In 2001, George Bush repealed estate tax in America. This was a shock to many in the US as inherited privilege had never been popular in a country where individuals were supposed to secure the American Dream through their own efforts. The tax had existed for over a century and only 2 per cent of the richest Americans paid it. But the repeal lobby managed to build an unlikely and broad alliance against the ‘Death Tax’ (as they managed to rename it…
Children and Financial Education
Financial education is viewed by both policy makers and the public as an increasingly important tool for developing financially capable citizens in an era of increasing individual financial responsibility. This paper considers the recent history of school involvement in teaching financial education. It then draws on research undertaken in summer 2010 at two Birmingham primary schools to explore children's understandings of key financial issues. T…
Lone parents, poverty and work
The UK government has set two ambitious targets: one to increase lone-parent employment and the other to eradicate child poverty. This article focuses on policy approaches and recent reforms relating to lone-parent employment in five countries (Australia, France, the Netherlands, Norway, and the US) in order to place UK policy development in a wider context. It then focuses on two countries with different approaches to the issue of combining paid…
Low-Income Households and Credit
In this paper it is suggested that current debates on financial exclusion are often too narrowly drawn and institutionally focused. As a consequence, less recognition is given to the availability and use of other regulated financial services such as mail order and moneylending. Drawing on data from a number of recent studies, the authors explore the structures and processes involved in the provision and use of these additional credit sources and …
A Drop in the Ocean? The Discharge Grant and the Immediate Needs of Prisoners on Release from Custody
Many prisoners leaving custody are homeless, jobless and poor. They are given a discharge grant by the Home Office to meet their immediate needs on release. For many, it is their only source of income until they find a job or, more commonly, receive their first benefit cheque. This paper reviews the immediate needs of prisoners on release from custody and then examines how far the discharge grant is adequate in meeting these needs. In‐depth inter…
Producing Consumption
The importance of credit to low-income households is widely recognized, providing a mechanism for managing poverty. In such households women are generally the money-managers, and as such they are significant consumers of credit. Much less attention has been paid, however, to the role that women play in creating and maintaining some credit markets, thereby becoming central to a key means of consumption. Using data from two recent qualitative studi…
Lone parents, employment and social policy
Lone Parents, Employment and Social Policy
Policy makers across the world confront issues relating to lone parents and employment, with many governments seeking to increase the participation of lone parents in the labour market. This book offers an analysis of policies and provisions in several countries, identifying policy lessons. Chapters are written by experts on lone parenthood.
Lone parents, employment and social policy
Female finances
The size and source of the gender wage gap in Britain has been well researched. Women's typically lower status employment and their reduced, discontinuous career profiles when they have caring responsibilities have combined seriously to damage their ability to earn a decent wage. Such marked gender differences in employment patterns produce a substantial gender gap in levels of wealth too, yet despite this there has been less attention paid to th…
Research Round-Up
In this issue’s Research Round-up we follow on from the last issue’s theme of ‘race’ and racism. We begin with a piece from Tracey Warren and Nadia Joanne Britton on the importance of incorporating income and asset levels when addressing ethnic economic disadvantage. We then look at community care in relation to black and minority ethnic carers before moving on to a report on disabled refugees in Britain. The next two reports consider particular …
Research Round-Up
Following our regular ‘Spotlight’ feature, which this time features the Centre for Research in Social Policy at Loughborough University, this issue’s Research Round-up includes six contributions around the theme of ‘race’ and racism. It begins with a contribution from the Policy Studies Institute highlighting their recent research on young people facing multiple disadvantage. About half of those interviewed in the study were from a minority ethni…
Lone parents, poverty and work
The UK government has set two ambitious targets: one to increase lone-parent employment and the other to eradicate child poverty. This article focuses on policy approaches and recent reforms relating to lone-parent employment in five countries (Australia, France, the Netherlands, Norway, and the US) in order to place UK policy development in a wider context. It then focuses on two countries with different approaches to the issue of combining paid…
Research Round-Up
The research presented in this issue produces a mixed picture in terms of government performance in key social security areas. Cathie Hammond’s research on the administration of Disability Living Allowance (DLA) for people with chronic fatigue syndrome/myalgic encephalomyelitis (CFS/ME) is critical of policy in this field and provides various recommendations for improvements. The Joseph Rowntree Foundation’s review of unemployment rates found, re…
Private Pension Planning
Over the last twenty years, policy-makers have placed increasing emphasis on individual planning, particularly in relation to pensions. Planning for one's own future, and that of one's family, is increasingly upheld as a morally responsible activity. This article explores the assumptions made by policy-makers in this area. It begins with a discussion of how the rhetoric from policy-makers and policy-commentators makes considerable reference to in…
Research Round-Up
Policy research is often concerned with quite ‘immediate’ problems such as whether a particular policy is working well or not. Such research often incorporates the definitions used by policy makers but Deborah Mabbett’s research is of a more fundamental nature. She takes a critical look at how disability categories are established in different European countries. The second piece also concerns a very broad issue – the effect of devolution on soci…
Research Round-Up
Poverty is the theme uniting the contributions to this issue’s Research Round-up. We begin with two innovations in this field supported by the Joseph Rowntree Foundation. The first is a new website on poverty statistics established by the New Policy Institute. The second is the Commission on Poverty, Participation and Power which involved six people with direct experience of poverty alongside six people in public life (this is reported on, in mor…
Research Round-Up
The Social Fund has long been criticised by researchers and practitioners for failing to meet the needs of people in poverty. The first piece of research highlighted here from the National Association of Citizens Advice Bureaux (NACAB) once again details the major flaws with the Social Fund. How long can the government hold out against reforming this Cinderella aspect of the benefit system? Tax Credits have only just been introduced (as of April …
Research Round-Up
Should offenders have their benefits cut? This is a fundamental question that runs underneath one of the studies included in this issue’s Research Round-up. The study, carried out by the National Centre for Social Research and Oxford University, evaluated a pilot of the community sentences sanctions policy. It found that the withdrawal of benefits had only a tiny effect on increasing compliance with community sentences (1.8%). But there were othe…
Research Round-Up
Very little research is carried out into the views of benefits administrators who play a key role in the delivery of social security benefits. This makes Hartley Dean’s recent research extremely valuable, despite its small sample size. The next research study highlighted here was funded by the Joseph Rowntree Foundation and looked at government progress towards eradicating child poverty. It finds that progress is being made but it is slow and mor…
Research Round-Up
As usual, this issue’s Research Round-up includes a wide variety of benefitsrelated issues: from the experience of people who are refused Community Care Grants to the experiences of young men who are familiar with longterm unemployment; and from using participatory approaches in research on poverty to whether or not people are choosing to invest in property for their retirement rather than pensions
Research Round-Up
Research Round-Up aims to highlight new research in the field of benefits, poverty, social exclusion and inequality. Regular contributions come from the Department for Work and Pensions (DWP) and the Joseph Rowntree Foundation (JRF), but we are keen to welcome contributions from anyone carrying out research in these areas. Alongside DWP and JRF in this issue we are highlighting research from the Centre for Analysis of Social Exclusion at the Lond…
Research Round-Up
Three research projects from the Department for Work and Pensions kick off this issue’s research round-up. They aim to answer the following questions: What makes for a good Housing Benefit manager? How well did Jobcentre Plus deliver the New Tax Credits policy? What can the UK learn from Australia about providing financial support for young people? Following these reports we have four summaries of working papers from the University of Hull. These…
Research Round-Up
Research Round-Up aims to highlight new research in the field of benefits, poverty, social exclusion and inequality. Regular contributions come from the Department for Work and Pensions (DWP) and the Joseph Rowntree Foundation (JRF) but we are keen to welcome contributions from anyone carrying out research in these areas
Lone Motherhood and Socio-Economic Disadvantage
Children's socio-economic origins have a major impact on their socio-economic destinations. But what effect do they have on other kinds of destinations, such as family life? In this article we assess the extent and nature of the relationship between social class background and lone motherhood, using a combination of research methods. We analyse three large datasets and explore in detail qualitative information from 44 in-depth interviews. Our ana…
Research Round-up
Research Round-Up
Research Round-Up
Political science (37 obras) · Economics (31 obras) · Sociology (23 obras) · Housing, Finance, and Neoliberalism (18 obras) · Social Policy and Reform Studies (18 obras) · Law (17 obras) · Economic growth (16 obras) · Poverty (16 obras) · Business (12 obras) · Government (linguistics (11 obras)