Ethnic Differences in Financial Outcomes Among Low-Income Older Asian Immigrants: A Financial Capability Perspective

ABSTRACT

This exploratory study examined ethnic differences in financial outcomes among low-income older Asian immigrants from a financial capability perspective. We used survey data collected from a convenience sample of Chinese, Korean, and “Other Asian” ethnic participants in a subsidized employment program (n = 159). We ran logit regressions of dichotomous financial outcomes. Regression analysis showed significant ethnic differences in some financial outcomes after controlling for financial capability and other factors. Findings did not support our hypothesis that financial capability explains ethnic differences in financial outcomes. Findings suggest the need to develop culturally suitable financial capability measures for future research.     

Understanding Chinese Battered Women in North America

SUMMARY

Spouse abuse is an ignored, invisible, but significant problem in the Chinese community. This paper describes the experience of Chinese battered women in North America and provides suggestions for culturally sensitive and competent interventions for them. The discussion is based on an extensive review of the literature regarding Chinese battered women. In understanding the experience of Chinese battered women and their strategic responses to the abuse, helping professionals are urged to consider cultural, contextual, as well as individual factors including family dynamics. A three-tier model of intervention for treatment of spouse abuse in the Chinese community is proposed that targets the individual battered women, the family system, and the larger community.     

Exploring Dimensions of Culturally Sensitive Clinical Styles with Latinos

Abstract

This study sought to identify dimensions of culturally sensitive clinical practice by comparing the personal clinical styles of Latino and non-Latino clinicians, and their clinical decisions in respect to Latino immigrant clients. A combination of qualitative and quantitative methods were used. Sixty Latino American clinicians and 47 non-Latino (White) clinicians in Northern California completed the Achieving Styles Inventory (ASI) which yields information on direct, instrumental and relational styles. Demographic data were obtained as well as information on language proficiency and years of clinical experience. Statistical analysis included uses of t-test, ANOVA, and multiple regression analysis and revealed significant differences between the two groups in personal achieving styles within all three domains. There were no significant differences on the demographic variables. Nine clinician members of each ethnic group were interviewed in-depth through non-directive interviewing styles to assess their clinical decision making via use of a case vignette. Content analysis pointed to similarities and differences in proposed assessment and intervention strategies. The Latino group displayed more culturally relevant interpretations. The non-Latino clinicians were more directive and instrumental than the Latinos who put more emphasis on self disclosure, case management, use of Spanish with the client, and crisis intervention. This finding is consistent with both the quantitative data analysis of ASI hypotheses and the expected linguistic/cultural findings of the qualitative content analysis. Bilingual non-Latino White clinicians showed more cultural sensitivity and competence than the monolingual non-Latino clinicians. These findings suggest that linguistic/cultural match and linguistic/cultural compatibility are important in cross-cultural clinical practice.     

Financial Knowledge and Behaviors of Chinese Migrant Workers: An International Perspective on a Financially Vulnerable Population

ABSTRACT

Making informed financial decisions is crucial to the wellbeing of Chinese migrant workers. Using interview survey data (N = 329), this study examined financial knowledge and behaviors of migrant workers in China. Results showed that participants demonstrated low levels of financial knowledge (51.4%) and beneficial financial behaviors (51.0%). Multivariate results indicated that a modest proportion of the variance in financial behaviors was explained by financial knowledge, attitudes, and socio-demographic characteristics (e.g., marital status and income). Findings underscore the importance of disseminating culturally-relevant educational interventions to financially at-risk, low-paid migrant workers in China.     

Problems and Issues in Social Casework,by Scott Briar and Henry Miller. New York,Columbia University Press, 1971. 274 Pages, $9.00. Hardbound

Abstract

The rapid growth and increasing visibility of ethnic and racial groups has vigorously challenged social work to educate students for ethnic-competent practice in cross-cultural settings. This article examines an approach to teaching effective intervention involving ethnic and racial groups and helping students integrate cultural factors and society's concerns into clinical practice. Pedagogical issues and classroom processes of teaching culturally sensitive and competent interpersonal practice are discussed. Implications are drawn for culturally sensitive education and issues are raised for critical examination.     

Cognitive,social, and neural determinants of diminished decision-making and financial exploitation risk in aging and dementia: A review and new model

ABSTRACT

In this article we will briefly review how changes in brain and in cognitive and social functioning, across the spectrum from normal to pathological aging, can lead to decision-making impairments that increase abuse risk in many life domains (e.g., health care, social engagement, financial management). The review will specifically focus on emerging research identifying neural, cognitive, and social markers of declining financial decision-making capacity in older adults. We will highlight how these findings are opening avenues for early detection and new interventions to reduce exploitation risk.     

Researching the links between social-emotional learning and intercultural education: strategies for enacting a culturally relevant teaching

ABSTRACT

This paper examines the links between social-emotional learning (SEL) and intercultural education. The work calls for pedagogical attention to the role of emotions in intercultural education and analyses the role of SEL within the umbrella of intercultural education. It claims that both SEL and intercultural education offer a framework for rethinking and changing curricula, school climates and relationships providing the foundation for quality of education for all. Therefore, this connection is not only critical but also inevitable and desirable. It asserts that SEL in intercultural landscapes is a human right that all students are entitled to, and argues that ignoring this right amounts to a social injustice. Some pedagogical considerations and strategies for enacting a culturally relevant implementation of SEL in intercultural settings will be provided. The purpose of the paper is to inform the debate on the role of emotional aspects in intercultural education, and how to configure culturally responsive teachers.     

Affordable Financial Services and Credit for the Poor

Abstract

The financial services and sources of credit available to poor families affect the rate at which families can be financially empowered through building assets. This paper provides background information on financial services, including credit sources, which are available for low-income people and communities. Also discussed are policies affecting financial markets and promising innovations in delivering affordable financial services to low-income families. Implications for social work education, practice and advocacy are discussed.     

Afterword

Abstract

This paper explores the relationship between ethnic, gender, and sexual identities among Latinos/as from a developmental perspective. Culturally prescribed gender roles are explored and lack of support from the indigenous communities are discussed as oppressive factors that inhibit a healthier integration of both ethnic and sexual identities. The role social workers can play in facilitating the integration of these identities and other recommendations are provided within a culturally grounded approach.     

Recruitment and Retention of Latinos in Social Work Education: Building on Students’ Community Cultural Wealth

Spanish-speaking and culturally sensitive social workers are in high demand throughout the country to work with Latino clients. Latinos currently represent about 11% of active social workers, limiting the capacity of social work to effectively address the needs of the Latino population. Despite this shortage, little attention has been paid to the recruitment and retention of Latinos in social work. This article presents a case study that examines a BSW program accredited by the Council on Social Work Education, at a bilingual, private college where 90% of students self-identify as Latinos. It details how the BSW program builds on the students’ community cultural wealth to ensure continued recruitment and retention of Latino students. Implications for social work education are discussed.     

Mindfulness in financial literacy

ABSTRACT

Financial education is becoming imperative in a society that has pitfalls for unwary consumers. To ensure effectiveness, educational strategies must take into consideration the readiness of consumers to learn the curriculum. Behavioral economics highlights the obstacles that educators face in promoting financial efficacy. Such obstacles include envy, fear, greed, and other all too familiar human failings. One innovative model, mindfulness, provides insight into the human dynamics of personal financial behaviors. This article ties together financial education, mindfulness techniques, and transtheoretical stages of readiness. The impact of gradually introduced educational tasks is presented with an eye toward clients’ stages of readiness, and mindfulness addresses the emotional burdens of altering a financially profligate lifestyle.     

Communication Patterns and Direct Social Work Practice with Latinos in the U.S.

Abstract

Although Latinos in the United States are projected to become the largest ethnic and cultural population by the 21st century, there continues to be a paucity of literature on the heterogeneity of this population. This article presents a brief perspective of Puerto Ricans in the U.S. including elements of its cultural value system and its relevance to culturally based differences in patterns of communication. The author identifies several cultural values, how they interface with different patterns of communication among Puerto Ricans and implications for direct social work practice.     

Toward a culturally sensitive child sexual abuse prevention program for latinos

A culturally sensitive sexual abuse prevention program for Latinos is proposed which makes recommendations regarding style of interaction, discussion topics of importance, and other areas which need he considered in the design and implementation of such a program. The role of the child, parents, professionals, and others involved is discussed.     

Reflections on 30 Years of Advocacy,Thinking, and Writing About Elderly Latinos

SUMMARY

The author reflects on over 30 years of thinking, writing, and advocating on behalf of elderly Latinos. Personal, cultural, and familial experiences are intertwined with implications for policy and practice. The impact of Latinos' generational socialization into American society is examined in relation to familial obligations to elderly relatives.     

Employee financial wellness programs: Opportunities to promote financial inclusion?

ABSTRACT

Employee financial wellness programs (EFWPs) are a new practice that may promote financial inclusion by making it easier for workers with low- and moderate-incomes (LMI) to access financial services. We examine the strengths and limitations of workplace financial counseling, credit-building services, and small-dollar loans, and describe community collaboration to promote employee financial wellness. Findings suggest that these services are reaching a population that experiences financial exclusion, though evidence is mixed concerning how these services help workers with LMI resolve key financial challenges. Community collaboration focused on employee financial wellness presents opportunities to advocate for higher wages and better benefits.     

Delivering LGBT-sensitive substance use treatment to sexual minority women

Abstract

Epidemiologic studies have consistently found elevated rates of alcohol and other substance use among sexual minority women (SMW), and despite calls for “lesbian, gay, bisexual, and transgender (LGBT)-specific” services and culturally tailored interventions, few such services exist. This study involved qualitative interviews with directors from substance use treatment programs (N?=?10) about how they addressed the needs of SMW. Strategies implemented primarily focused on creating a safe and welcoming environment for sexual minority clients. Findings highlight challenges involved in meeting the treatment needs of SMW and provide guidance to researchers and service providers on how to improve the quality of care for them.     

From Being Unbanked to Becoming Unbanked or Unbankable: Community Experts Describe Financial Practices of Latinos in East Los Angeles

ABSTACT

Appropriate use of formal financial institutions facilitates saving and asset building. Yet 20% of the US Latino population is unbanked. In this cross-sectional qualitative study, 34 community experts were interviewed regarding financial practices in the predominantly low-income Latino and immigrant community of East Los Angeles. Thematic analysis of these in-depth, semistructured interviews suggests that immigration status fuels fears regarding banking and ultimately the persistence of unbanked status; limited financial education prompts community members to move from being unbanked to being unbankable. Techniques employed to reverse this cycle appear helpful, but ultimately overwhelmed by the magnitude of community mistrust and misinformation.     

Financial decision-making abilities and financial exploitation in older African Americans: Preliminary validity evidence for the Lichtenberg Financial Decision Rating Scale (LFDRS)

ABSTRACT

This study examines preliminary evidence for the Lichtenberg Financial Decision Rating Scale (LFDRS), a new person-centered approach to assessing capacity to make financial decisions, and its relationship to self-reported cases of financial exploitation in 69 older African Americans. More than one third of individuals reporting financial exploitation also had questionable decisional abilities. Overall, decisional ability score and current decision total were significantly associated with cognitive screening test and financial ability scores, demonstrating good criterion validity. Study findings suggest that impaired decisional abilities may render older adults more vulnerable to financial exploitation, and that the LFDRS is a valid tool.     

Latinas and Sexual Assault

SUMMARY

This paper will discuss the problem of sexual assault among Latinas, an under-researched population whose social and cultural characteristics contextualize the trauma of sexual assault in ways that need to be considered by service providers striving to provide culturally syntonic interventions. The authors will present the sparse empirical data on sexual assault among Latinas, Including prevalence, assault characteristics, and post-assault sequelae. Given the bicultural reality of most Latinas in the U.S., a working model of sexual assault in Latinas is presented that frames the problem as occurring within both traditional Latino and modern American gender role systems. The result is a dual dilemma for Latina victims of sexual assault with both negative and positive implications that need to be better understood by victims and service providers.