Exploitation of payday loan users: fact or fiction?

This paper explores the existence of different forms and underpinning reasons of exploitation at households level. The empirical analysis, based on data from the British Household Panel Survey (BHPS) collected for the purpose of understanding the social and economic change in Britain, aims to identify underpinning factors of mixed conclusions from empirical evidence on the existence of exploitation of payday loan users. This paper goes beyond traditional economic explanation and focuses on factors defining conditional relative advantage exploitation leading to voluntary exploitation. The results suggest that due to an “act in desperation”, current regulations on payday loan lending are powerless and cannot prevent households being voluntary exploited. In addition, results show that increased household financial burden and additional borrowing increase the likelihood of households to take a gamble in order to provide basic needs. The results provide more insight into why current policy regulations fail to tackle the problem of payday loan lending

The Evolution of a Coding Schema in a Paced Program of Research

A major task involved in the management, analysis, and integration of qualitative data is the development of a coding schema to facilitate the analytic process. Described in this paper is the evolution of a coding schema that was used in the analysis of qualitative data generated from online forums of middle-aged women with chronic conditions who participated in a computer support intervention in the rural west. The coding schema evolved over three phases of the research project and included coding tree nodes based on study-driven categories and nodes that arose from the data and changes in conceptual thinking. This paper provides researchers with information about a potential approach that can be used when coding large amounts of qualitative data from a multi-phased study

Efficacy of Eye Movement Desensitization Reprocessing (EMDR) in Improving Self-Regulation of In-House Filipino Clients with Substance-Use-Disorder

Abstract: Drug addiction is considered as a global epidemic which drastically affects millions of people worldwide, damaging an individual’s physiological, social, and psychological facets. One of the constructs that has been determined as an essential factor in the development of a variety of addictive behaviors is self-regulation. It plays an important role in predicting, maintaining, and treating addiction. In this study, the efficacy of Desensitization of Triggers and Urge Reprocessing (DeTUR), an Eye Movement Desensitization Reprocessing (EMDR) addiction protocol, in improving self-regulation was tested among fourteen (14) in-house clients of two drug treatment and rehabilitation centers using sequential explanatory mixed method research design wherein Self-regulation Inventory-Short Version (SRI-S) and individual interviews were employed. Results explicitly proved that self-regulation scores obtained significantly differed before, after, and even the delivery of delayed posttest using the EMDR as an intervention. The study confirmed that EMDR enhances the clients’ self-regulations (Overall SRI) and the sub-areas: positive actions, controllability, expressions of feelings and needs, assertiveness, and well-being seeking. Themes generated using thematic analysis further established a basis for the efficacy of EMDR.Keywords: drug addiction, self-regulation, Eye-movement Desensitization Reprocessing (EMDR), Desensitization of Triggers and Urge Reprocessing (DeTUR

Foundations for measuring equality: A discussion paper for the Equalities Review

The Equalities Review is an independent panel set up by the UK government in 2005 to investigate the persistence of social inequalities and to make recommendations for the development of a unified Commission for Equality and Human Rights. This paper was originally written for the Review. It canvasses possible responses to the questions, 'equality between whom?' and 'equality of what?'. It argues that equality of outcome is intuitively appealing but risks ignoring variations in need, differences in values and preferences, and the importance of individual agency. A broad interpretation of equality of opportunity, such as is provided by the capability approach, can address these limitations, by focusing on the substantive freedom enjoyed by individuals. Substantive freedom may be limited by a lack of personal resources, or by the economic, social, political, cultural, and environmental conditions context in which the individual is operating. The paper concludes by identifying, and indicating solutions to, a number of measurement issues that arise in operationalising the capability approach.Equality, opportunity, capability approach

Enactivism, other minds, and mental disorders

Although enactive approaches to cognition vary in terms of their character and scope, all endorse several core claims. The first is that cognition is tied to action. The second is that cognition is composed of more than just in-the-head processes; cognitive activities are externalized via features of our embodiment and in our ecological dealings with the people and things around us. I appeal to these two enactive claims to consider a view called “direct social perception” : the idea that we can sometimes perceive features of other minds directly in the character of their embodiment and environmental interactions. I argue that if DSP is true, we can probably also perceive certain features of mental disorders as well. I draw upon the developmental psychologist Daniel Stern’s notion of “forms of vitality”—largely overlooked in these debates—to develop this idea, and I use autism as a case study. I argue further that an enactive approach to DSP can clarify some ways we play a regulative role in shaping the temporal and phenomenal character of the disorder in question, and it may therefore have practical significance for both the clinical and therapeutic encounter

Long-term behavioural rewriting of maladaptive drinking memories via reconsolidation-update mechanisms

BACKGROUND: Alcohol use disorders can be conceptualised as a learned pattern of maladaptive alcohol-consumption behaviours. The memories encoding these behaviours centrally contribute to long-term excessive alcohol consumption and are therefore an important therapeutic target. The transient period of memory instability sparked during memory reconsolidation offers a therapeutic window to directly rewrite these memories using targeted behavioural interventions. However, clinically-relevant demonstrations of the efficacy of this approach are few. We examined key retrieval parameters for destabilising naturalistic drinking memories and the ability of subsequent counterconditioning to effect long-term reductions in drinking. METHODS: Hazardous/harmful beer-drinking volunteers (N = 120) were factorially randomised to retrieve (RET) or not retrieve (No RET) alcohol reward memories with (PE) or without (No PE) alcohol reward prediction error. All participants subsequently underwent disgust-based counterconditioning of drinking cues. Acute responses to alcohol were assessed pre- and post-manipulation and drinking levels were assessed up to 9 months. RESULTS: Greater long-term reductions in drinking were found when counterconditioning was conducted following retrieval (with and without PE), despite a lack of short-term group differences in motivational responding to acute alcohol. Large variability in acute levels of learning during counterconditioning was noted. 'Responsiveness' to counterconditioning predicted subsequent responses to acute alcohol in RET + PE only, consistent with reconsolidation-update mechanisms. CONCLUSIONS: The longevity of behavioural interventions designed to reduce problematic drinking levels may be enhanced by leveraging reconsolidation-update mechanisms to rewrite maladaptive memory. However, inter-individual variability in levels of corrective learning is likely to determine the efficacy of reconsolidation-updating interventions and should be considered when designing and assessing interventions

The Legal Approach to Crime and Correction

This report documents the research and experiments on evaluating the possibilities of using OpenCV for developing a markerless augmented reality applications using the structure from motion algorithm. It gives a background on what augmented reality is and how it can be used and also theory about camera calibration and the structure from motion algorithm is presented. Based on the theory the algorithm was implemented using OpenCV and evaluated regarding its performance and possibilities when creating markerless augmented reality applications