Adopting a financial capability and asset-building curriculum at historically Black colleges and universities

ABSTRACT

Social workers currently engage in financial capability practice with low-income and financially vulnerable individuals and families in diverse practice settings, but typically lack professional preparation for this work. In response, several schools of social work have begun adopting financial capability curricula. Using an in-depth interview methodology, this study examines the adoption of a curriculum in financial capability and asset building (FCAB) from the perspectives of faculty and administrators (N = 19) at four historically Black colleges and universities (HBCUs). Findings show that key reasons for curriculum adoption are prior working relationships and trust, relevance of FCAB content to student and community needs, and alignment with program, institutional, and professional goals. Using the diffusion of innovation theory to understand curriculum adoption in HBCUs suggests that perhaps trust and relationship building are particularly important in the case of minority serving institutions.     

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.     

Toward Culturally Sensitive Financial Education Interventions with Latinos

ABSTACT

To expand the financial capability of Latinos, culturally sensitive interventions are needed. A literature search was conducted to examine how financial education interventions have been used to improve financial outcomes for Latinos. Just 7 peer-reviewed intervention studies were identified, suggesting a substantial gap in knowledge in this area. Although conclusions about the effectiveness of financial education interventions with Latinos are limited, each study finds positive changes in financial attitudes or behaviors. Using Resnicow’s (1999) cultural sensitivity framework, surface and deep structure methods of tailoring financial education were identified. Implications for designing and testing culturally sensitive financial education interventions are discussed.     

Financial Education is not Enough: Millennials May Need Financial Capability to Demonstrate Healthier Financial Behaviors

Financial education sans opportunities for hands-on experience and knowledge operationalization may be insufficient for promoting healthy financial behaviors. Financial capability combines financial education with financial inclusion via a savings account, thereby giving an opportunity translate knowledge into practice. This study used data from the 2012 National Financial Capability Study to examine relationships between the financial capability and financial behaviors of United States Millennials (N = 6865). Compared to their financially excluded peers, Millennials who were financially capable were 176 % more likely to afford unexpected expenses, 224 % more likely to save for emergencies, 21 % less likely to use alternative financial services, and 30 % less likely to carry burdensome debt. Interventions that focus solely on financial education or inclusion may be insufficient for facilitating Millennials’ healthy financial behaviors; interventions should instead develop financial capability.     

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.     

Development,Implementation, and Evaluation of a Comprehensive Course on Suicide in a Master’s of Social Work Program

ABSTRACT

Most master of social work (MSW) programs provide minimal education or training on suicide prevention, intervention, and postvention despite that the majority of social workers encounter suicidal clients during their professional careers. This study describes the development, implementation, and evaluation of a course on suicide in an MSW program. Changes in student suicide-related knowledge, confidence, and preparedness were evaluated using a pre/post design. We found statistically significant increases in knowledge (t [df = 21] = 4.79; p < .001), confidence (t [df = 17] = 8.55; p < .001), and preparedness (t [df = 20] = 7.28; p < .001) from pretest to posttest. Knowledge, confidence, and preparedness were significantly positively correlated, indicating that confidence and preparedness did not increase without a corresponding increase in knowledge. Given the prevalence of suicide and the frequency with which social workers serve populations affected by suicide, it is critical that MSW programs provide effective training on understanding suicide.     

An exploratory investigation of social workers’ knowledge and attitudes about autism

ABSTRACT

Although researchers continue to generate knowledge concerning autism, few have investigated social workers’ understanding about this condition. In this exploratory study, we surveyed licensed social workers (n = 793) to examine social workers’ understanding and attitudes about autism. Overall, we found social workers have accurate knowledge and hold strengths-based attitudes about autism and persons on the autism spectrum. Factors significantly associated with accurate autism knowledge were having special training in autism, having present clinical involvement with autism, and knowing someone on the autism spectrum. Implications for social work practice, education and training, and future research, are discussed.     

Building Financial Knowledge Is Not Enough: Financial Self-Efficacy as a Mediator in the Financial Capability of Low-Income Families

ABSTRACT

Policymakers in many countries have taken an interest in population-level financial capability. Limited empirical work has examined how constructs that makeup financial capability relate and how they function for individuals with low incomes. Using a national sample of low-income Canadians, we investigate relationships between financial knowledge, financial self-efficacy, and savings outcomes. Overall, we find that financial self-efficacy fully mediated the relationship between objective financial knowledge and postsecondary-education saving. The association between objective financial knowledge and retirement saving and emergency saving passed through financial self-efficacy. Efforts to promote financial capability need to focus on more than objective financial knowledge.     

Financial Capability and Asset Building in Social Work Education: Is It “The Big Piece Missing?”

ABSTRACT

Although social workers recently have renewed the profession’s historical focus on the financial well-being of vulnerable families, they receive little professional education to prepare them for this work. This study examines the implementation and outcomes of infusing a financial capability and asset building (FCAB) curriculum in a variety of social work courses in 11 minority-serving baccalaureate colleges and universities. Analysis of in-depth interviews with 24 faculty and administrators finds that respondents believe students gained understanding and appreciation for FCAB. Faculty also reported greater confidence in teaching FCAB concepts and skills. Pre- and posttest surveys with 261 students indicate changed attitudes, confidence in helping clients with basic financial management, knowledge about financial capability, and improvement in some personal financial behaviors.     

Improving Understanding About Tanning Behaviors in College Students: A Pilot Study

Abstract

Objective: Melanoma is the second most common cancer diagnosed among 15- to 29-year-olds. This pilot study assessed behaviors, barriers, and beliefs relevant to sun exposure and protective behaviors. Participants: The sample comprised 153 undergraduate students at a large state university in western New York. Methods: Participants completed an online survey about sun safety habits, barriers to using sunblock, and beliefs about tanning and sun exposure. Results: Response rate was 90.8% (n = 139). Most students (87.8%) reportedly spent ≥ 3 hours per day outside in the summer, but only 17.3% reported always using sunblock during this time. Sixty percent reported recent indoor tanning and 41% reported more than 10 lifetime sunburns. The greatest barrier to using sunblock was forgetting (84.2%). Conclusions: Demographics coupled with inconsistent and low levels of sunblock use, high annual prevalence of indoor tanning, and multiple lifetime sunburns indicate that this sample is at high risk for skin cancer.     

The Lichtenberg Financial Decision Screening Scale (LFDSS): A new tool for assessing financial decision making and preventing financial exploitation

ABSTRACT

One of the challenges in preventing the financial exploitation of older adults is that neither criminal justice nor noncriminal justice professionals are equipped to detect capacity deficits. Because decision-making capacity is a cornerstone assessment in cases of financial exploitation, effective instruments for measuring this capacity are essential. We introduce a new screening scale for financial decision making that can be administered to older adults. To explore the scale’s implementation and assess construct validity, we conducted a pilot study of 29 older adults seen by APS (Adult Protective Services) workers and 79 seen by other professionals. Case examples are included.     

Promoting Bank Accounts to Low-Income Households: Implications for Social Work Practice

In the wake of the recent economic challenges, it is clear that social workers must be educated about the financial opportunities for low-income households. Encouraging low-income households to have a bank account at an insured depository institution, or become banked, is increasingly emphasized in policy and practice. Becoming banked offers the opportunity to avoid high-cost alternative financial services. Social workers can facilitate relationships between low-income households and the mainstream financial services industry to help families advance their long-term financial interest. Understanding the structure of all types of banks and credit unions is imperative. Implications for social work practice are explored.     

Effects of a sleep hygiene text message intervention on sleep in college students

Objective: To test the effectiveness of a text-message intervention to promote sleep hygiene to improve sleep in young adult college students. Participants: A convenience sample of undergraduate students from one Southwestern university (n = 96), 18–26 years old, recruited in August 2015. Methods: A 2-group pretest-posttest experimental design assigned participants to receive biweekly text messages about sleep hygiene or healthy behaviors for 6 weeks. Survey questions addressed sleep knowledge, sleep hygiene, self-efficacy for sleep hygiene, and sleep quality at baseline and posttest. Results: Though not significant, sleep quality, sleep hygiene, and sleep knowledge improved in both groups. Conclusions: Self-efficacy for sleep hygiene is a modifiable factor that may serve to improve sleep quality. Sleep quality improved in both groups. Text messaging is a feasible approach to delivering an intervention to promote healthy behaviors among young adults.     

The U‐turn phenomenon among South American‐Japanese descendants: From emigrants to migrants

About a decade has passed since the problem of foreign migrant workers became serious in Japan. The Japanese government has been reluctant to formalize the introduction of migrant workers in the unskilled job sectors, yet, with the revision of the Immigration Control Law in 1990, has decided to formalize the status of residence of South American‐Japanese descendants, or Nikkeijin. This article focuses on the issue of the Nikkeijin in Japan. The article details the current position of the Nikkeijin and reviews their impact on Japanese society as well as on their home countries. The article further discusses the possibility of Nikkeijin settlement in Japan in the context of the government's attempts to preserve the notion of lineage as the basis for Japanese nationality.     

Letter to the Editor

ABSTRACT

The Council on Social Work Education has designated field education as social work’s signature pedagogy, putting field supervisors in a key role of preparing students as competent social workers. This study examined field supervisors’ Evidence Based Practice (EBP) behaviors using a modified version of the Evidence-Based Practice Process Assessment Scale-Short Version. Supervisors (N = 129), from two undergraduate and one graduate program were invited to complete an electronic survey, resulting in a final 34% response rate (N = 44). Results indicated participants were somewhat familiar with EBP techniques, but did not think it feasible to carry out EBP in their settings, nor did they frequently demonstrate EBP behaviors in practice. Recommendations for overcoming barriers to implementing EBP behaviors in agency settings are discussed.     

Changing College Students’ Financial Knowledge, Attitudes, and Behavior through Seminar Participation

This pilot study examined the influence of Credit Wise Cats, a financial education seminar presented by Students in Free Enterprise, on the attitudes, knowledge, and intentions toward financial responsibility of college students (N = 93). Findings suggest that the seminar effectively increased students’ financial knowledge, increased responsible attitudes toward credit and decreased avoidant attitudes towards credit from pre-test to post-test. At post-test, students reported intending to engage in significantly more effective financial behaviors and fewer risky financial behaviors. Finally, demographic factors (e.g., gender and employment status) predicted students’ financial knowledge, attitudes, and behaviors. These results suggest that a seminar format may be useful in reaching a wider audience of college students and, thus, warrants future longitudinal evaluation.

Individual relationship education program as a prevention method for intimate partner violence

ABSTRACT

Intimate partner violence (IPV) can have detrimental effects on the lives of partners and children. The authors examined the effectiveness of a relationship education program, titled Within My Reach (WMR), to prevent IPV in a naturalistic nonrandomized adult sample. The sample included participants who endorsed no physical violence in their relationship and no to very low controlling behaviors at pretest. At 6-month follow-up the participants in the WMR group reported statistically significant fewer controlling behaviors than the comparison group (d = .45). Although there were no statistically significant differences between the WMR and comparison group in physical violence at 6-month follow-up, the findings were in still favor of the WMR group (d = .15).     

The impact of a health education intervention on health behaviors and mental health among Chinese college students

Abstract

Objective: This study aimed to assess the impact of a health education intervention on health behaviors, self-efficacy, and well-being among college students. Participants: Between March and October 2016, a total of 532 undergraduates participated. Methods: A theory-based intervention was conducted at Wuhan University, China. Participants were assigned to a control or intervention group (IG). The IG attended a 7-week health education class on knowledge, attitude, and practice of health behaviors. Results: Participants in the IG, compared with those in the control group (CG), reported significantly increased prevalence of high physical activity and regular breakfast, as well as lower screen time, sugar beverage intake, and Internet addiction tendency. Furthermore, intervention students improved in health behavior scores (p?=?0.040), compared with the CG, while the changes in subjective well-being and self-efficacy remained similar between the two groups. Conclusions: Health education may promote health behaviors among Chinese college students.     

Perceptions of Abusive Parenting Behaviors: A Preliminary Exploration Into the Underrecognition of Mother–Daughter Sexual Abuse

ABSTRACT

The current study examined the influence of the sex of the parent and the sex of the child on perceptions of sexually abusive behaviors. Vignettes illustrating different forms of sexual abuse were rated by 124 participants, with the different parent–child pairs (mother–daughter, mother–son, father–daughter, father–son) substituted into the vignettes being the only difference between groups. Two-way between subjects ANOVAs revealed that sexually abusive behaviors by mothers were perceived as less damaging to child victims (F (1, 120 = 7.56, p < .01) than the same sexually abusive behaviors committed by fathers. In addition, sexually abusive behaviors by mothers toward daughters were perceived as the least abusive (F (1, 120 = 16.30, p < .001) and the least criminal (F (1, 120 = 4.44, p < .05) as compared to the other three groups. Results suggest that perceptions of sexual abuse may be influenced by perceptions of sex and gender.