Hernandez - Mapping the Crisis Mapping GIS and Society...

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Mapping the Crisis Mapping the Crisis GIS and Society GIS and Society April 2010 April 2010 Jesus Hernandez University of California, Davis Jesus Hernandez University of California, Davis
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Investigating the Social Investigating the Social Group interaction - the core of sociological study Documenting the results of social interaction Cultural directives/norms that guide social relations Distribution of social goods Education Employment Housing Income, wealth, credit Patterns of inclusion/exclusion
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Why GIS? Why GIS? Documents spatial occurrences (where) Documents social occurrences (trends) Captures history spatially Identifies the geography of social phenomenon Valuable tool in the investigation of social problems
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Figure One: Mortgage Defaults and Bank Owned Properties in U.S. 7/2006 - 10/2008 Source: RealtyTrac 0 10,000 20,000 30,000 40,000 50,000 60,000 70,000 80,000 90,000 100,000 110,000 120,000 130,000 Jul- 06 Aug- 06 Sep- 06 Oct- 06 Nov- 06 Dec- 06 Jan- 07 Feb- 07 Mar- 07 Apr- 07 May- 07 Jun- 07 Jul- 07 Aug- 07 Sep- 07 Oct- 07 Nov- 07 Dec- 07 Jan- 08 Feb- 08 Mar- 08 Apr- 08 May- 08 Jun- 08 Jul- 08 Aug- 08 Sep- 08 Oct- 08 Notices Issued Bank Owned
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Foreclosures in Sacramento County 1997 - 2008 3rd Qtr . Source: DataQuick 2253 860 518 294 164 117 17777 7494 1288 1555 3155 3491 0 2000 4000 6000 8000 10000 12000 14000 16000 18000 20000 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008
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What are Subprime Loans? What are Subprime Loans? Home mortgages that target borrowers with: Weakened credit Payment delinquencies Credit charge off, bankruptcy, judgments Collateral problems – “at-risk” property Loan features result in higher yield to investors Rapid adjustments to interest rate Short term “Balloon Payments” Prepayment penalty Exorbitant fees
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Explanations Explanations Market problems / complex unregulated economic activity CRA benefits for nonwhites Cultural Immigration
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19% 21% 26% 33% 37% 0% 5% 10% 15% 20% 25% 30% 35% 40% 0-19 20-39 40-59 60-79 80+ percent NonWhite population in census tract Subprime Loan Usage by NonWhite Population Concentration Source: 2004 HMDA Raw Data for Sacramento MSA
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This note was uploaded on 12/15/2010 for the course SAS SAS 18 taught by Professor Weswallender during the Spring '10 term at UC Davis.

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Hernandez - Mapping the Crisis Mapping GIS and Society...

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