A housing purchase certificate (HPC) is a voucher for the purchase of a dwelling unit, either for the full price (up to a programme-determined maximum) or a grant for a partial payment (i.e. a downpayment subsidy). Using a special sample survey of programme participants, this paper examines why...

A theory to explain the variation in earned incomes of minority group females in a centralized urban area is developed and tested. The theory posits the number of hours worked as a determinant of the hourly wage rate, given employers' preference for full-time workers. From a standard labor force...