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The author reconsiders the relationship between race and geographic location with the allocation of home credit by private sector lending institutions. Using a national data set for the years 1981 through 1987, the author tests the relative explanatory power of race, location, and a number of market variables. The initial analysis suggests that race is less important than is sometimes asserted in the literature. Several alternative explanations for this weak relationship are discussed.

This article explores the impact of the Neighborhood Housing Service (NHS) in three urban neighborhoods. Specific elements of the local housing markets examined include the home, improvement loan rate, the conventional mortgage loan rate, and housing price. The analysis questions the favorable image of the program, finding only limited evidence of a positive program impact. The article concludes by noting some limitations to market-based programs such as NHS.

ABSTRACTThis paper explores a broad range of programs which claim to use market forces to generate urban development. It begins with a typology of program types based on a set of programmatic assumptions as to how markets can be manipulated. A series of alternative theoretical positions are then introduced which represent different visions of the market, urban development, and appropriate intervention techniques. It is asserted that each of the program types falls crudely into one of the theoretical perspectives. The paper concludes with the suggestion that program evaluation is relevant to issues other than whether the program 'worked'. Evaluation can also serve as a test of internal assumptions on which the program is based. Finally, evaluation of concrete programs can be used to assess the relative power of alternative conceptualizations of development and of the market itself.

This article examines the effect of a court-ordered school desegregation plan on neighborhood housing markets in Dallas, Texas. Three market indicators are used: price, housing turnover, and utilization of conventional credit. The analysis suggests that court-ordered school desegregation had no significant effect on any market indicator in any of the five neighborhoods studied.

A study of the role of non-profits in local governing coalitions; the potential of non-profits to replace social welfare programmes; their efforts to restructure elements of the local political process; and the impacts of the changing roles of non-profit organizations in the urban community