Financial Capability And Asset Building With Diverse Populations

Author : Julie Birkenmaier,Margaret Sherraden,Jodi Jacobson Frey,Christine Callahan,Anna Maria Santiago
Publisher : Routledge
Page : 151 pages
File Size : 41,6 Mb
Release : 2018-12-07
Category : Social Science
ISBN : 9781351202299

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Financial Capability and Asset Building with Diverse Populations by Julie Birkenmaier,Margaret Sherraden,Jodi Jacobson Frey,Christine Callahan,Anna Maria Santiago Pdf

Global economic recovery in the aftermath of the Great Recession has not been experienced equally: while the share of wealth owned by the richest 3% has grown, the share owned by the poorest 90% continues to decline, as reported by Oxfam in 2016. This wealth divide disproportionately affects racial and ethnic minority communities. This book underscores the importance of financial capability and asset building (FCAB) practice, policy and research during a period when vulnerable populations face increasingly difficult economic and financial realities. At the same time, retrenchment and privatization of government-sponsored social services have eroded the safety net available for families experiencing poverty or near-poverty conditions. The proliferation of products and services available from both formal and informal financial institutions highlights the need to promote FCAB to avoid and/or recover from financial difficulties, crises and poverty. The contributors to this volume disseminate findings from interventions designed to increase financial knowledge, financial management and financial access across several vulnerable populations, including immigrant communities. Further, they demonstrate the need for culturally sensitive FCAB service delivery, considering opportunities and barriers posed by past and current life situations, experiences and environments experienced by different populations. The book is aimed at policymakers, researchers and practitioners who assist financially vulnerable people. This book was originally published as a special issue of the Journal of Community Practice.

Author : Margaret S. Sherraden,Julie Birkenmaier,J. Michael Collins
Publisher : Oxford University Press
Page : 473 pages
File Size : 42,7 Mb
Release : 2018
Category : Financial literacy
ISBN : 9780190238568

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Financial Capability and Asset Building in Vulnerable Households by Margaret S. Sherraden,Julie Birkenmaier,J. Michael Collins Pdf

Financial Capability and Asset Building in Vulnerable Households is the first book of its kind. It prepares students and practitioners for financial practice. This comprehensive text offers knowledge and skills to enable families to improve their financial circumstances, and to promote policies and services for household economic security and development.

Author : Julie Birkenmaier,Margaret Sherraden,Jami Curley
Publisher : Oxford University Press
Page : 380 pages
File Size : 54,7 Mb
Release : 2013-01-11
Category : Social Science
ISBN : 9780199344161

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Financial Capability and Asset Development by Julie Birkenmaier,Margaret Sherraden,Jami Curley Pdf

This book introduces the concept of financial capability and assembles the latest evidence from ground-breaking innovations with financially vulnerable families, and links it to education, policy, and practice. This book is a key resource for those interested in improving financial education and financial products and services for low-income families.

Author : Nancy Morrow-Howell,Margaret Sherraden
Publisher : Oxford University Press
Page : 256 pages
File Size : 49,7 Mb
Release : 2014-12-29
Category : Social Science
ISBN : 9780199374311

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Financial Capability and Asset Holding in Later Life by Nancy Morrow-Howell,Margaret Sherraden Pdf

With today's availability of Social Security and Medicare, we typically think of the older years as a stage in life where people are supported financially. However, of the more than 40 million old adults currently living in the US, many are struggling financially living below or near the poverty line. They are lacking the assets necessary to see them through a period of life that is often longer than expected and that requires more health and long-term care. While financial vulnerability can be most pronounced in old age, it is often created across decades, revealing itself in later years when there is little opportunity to reverse a lifetime of disadvantage. The concept of Financial Capability refers to both an individual and structural idea that combines a person's ability to act with their opportunity to act in their best financial interests. In Financial Capability and Asset Holding in Later Life: A Life Course Perspective the concept of Financial Capability is used to underscore the importance of acquiring knowledge and skills while addressing policies and services than can build financial security. The volume assembles the latest evidence on financial capability and assets among older adults using a life course perspective, arguing that older adults need financial knowledge and financial services in order to build secure lives, and that this process needs to begin before it is too late to make effective changes and choices. Broken into three parts, the book's chapters - written by leading experts in the field - blend together empirical findings, economic and social theory, and case studies. Part 1 opens the book with a conceptual and empirical overview of financial capability and assets among older adults using a life course perspective. Part 2 presents chapters addressing financial vulnerability of diverse racial and ethnic groups, people with disabilities, and immigrants. Part 3 includes chapters describing current policies, programs, and innovations, including a review of important issues of working and caregiving in later life, and a detailed assessment of "age-friendly" banking principles, banking products, services, and policies.

Author : Julie Birkenmaier,Jami Curley,Margaret Sherraden
Publisher : Oxford University Press
Page : 380 pages
File Size : 44,5 Mb
Release : 2013-02-21
Category : Business & Economics
ISBN : 9780199755950

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Financial Education and Capability by Julie Birkenmaier,Jami Curley,Margaret Sherraden Pdf

This book introduces the concept of financial capability and assembles the latest evidence from ground-breaking innovations with financially vulnerable families, and links it to education, policy, and practice. It is a key resource for those interested in improving financial education and financial products and services for low-income families.

Author : Julie Birkenmaier,Jami Curley,Margaret Sherraden
Publisher : OUP USA
Page : 400 pages
File Size : 47,6 Mb
Release : 2013-02-21
Category : Social Science
ISBN : 9780199755950

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Financial Education and Capability by Julie Birkenmaier,Jami Curley,Margaret Sherraden Pdf

This book introduces the concept of financial capability and assembles the latest evidence from ground-breaking innovations with financially vulnerable families, and links it to education, policy, and practice. It is a key resource for those interested in improving financial education and financial products and services for low-income families.

Author : Jing Jian Xiao
Publisher : Springer
Page : 376 pages
File Size : 48,9 Mb
Release : 2016-05-30
Category : Psychology
ISBN : 9783319288871

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Handbook of Consumer Finance Research by Jing Jian Xiao Pdf

This second edition of the authoritative resource summarizes the state of consumer finance research across disciplines for expert findings on—and strategies for enhancing—consumers’ economic health. New and revised chapters offer current research insights into familiar concepts (retirement saving, bankruptcy, marriage and finance) as well as the latest findings in emerging areas, including healthcare costs, online shopping, financial therapy, and the neuroscience behind buyer behavior. The expanded coverage also reviews economic challenges of diverse populations such as ethnic groups, youth, older adults, and entrepreneurs, reflecting the ubiquity of monetary issues and concerns. Underlying all chapters is the increasing importance of financial literacy training and other large-scale interventions in an era of economic transition. Among the topics covered: Consumer financial capability and well-being. Advancing financial literacy education using a framework for evaluation. Financial coaching: defining an emerging field. Consumer finance of low-income families. Financial parenting: promoting financial self-reliance of young consumers. Financial sustainability and personal finance education. Accessibly written for researchers and practitioners, this Second Edition of the Handbook of Consumer Finance Research will interest professionals involved in improving consumers’ fiscal competence. It also makes a worthwhile text for graduate and advanced undergraduate courses in economics, family and consumer studies, and related fields.

Author : Robert B. Hudson
Publisher : JHU Press
Page : 292 pages
File Size : 53,6 Mb
Release : 2014-09-22
Category : Law
ISBN : 9781421414874

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The New Politics of Old Age Policy by Robert B. Hudson Pdf

Scholars, students, and policymakers will appreciate the volume's timely overview of the evolution of aging policy.

Author : Christine Callahan,Jodi Jacobson Frey,Rachel Imboden
Publisher : Routledge
Page : 204 pages
File Size : 42,5 Mb
Release : 2019-11-21
Category : Social Science
ISBN : 9781351165662

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The Routledge Handbook on Financial Social Work by Christine Callahan,Jodi Jacobson Frey,Rachel Imboden Pdf

The Routledge Handbook on Financial Social Work explicates the financial needs, issues, and interventions within populations and theoretical approaches, and it assists clinician practitioners in intervening expertly and comprehensively. This book covers a range of issues in populations seeking services around complex financial needs and struggles, including those in the child welfare system; those with housing issues or facing homelessness; those coping with chronic and acute medical and psychiatric illnesses; those recovering from interpersonal violence; those facing recovery from incarceration; children and families involved in the child welfare system; and much more. In addition, policies will be woven in to inform the work. This book thoroughly explores research and evidence-based interventions around each population, and teaches clinicians to understand and treat financial distress holistically and empathically. This handbook will explain why understanding financial capability in these populations is so critical and how clinicians can step up their practices to meet those needs. Professionals from multiple disciplines ranging from financial therapists to social workers to financial coaches to financial planners will find this handbook eminently useful.

Author : Rowena Fong,James Lubben,Richard P. Barth
Publisher : Oxford University Press
Page : 304 pages
File Size : 46,9 Mb
Release : 2017-12-18
Category : Social Science
ISBN : 9780190859008

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Grand Challenges for Social Work and Society by Rowena Fong,James Lubben,Richard P. Barth Pdf

The Grand Challenges for Social Work Initiative (GCSWI), which is spearheaded by the American Academy of Social Work and Social Welfare (AASWSW), represents a major endeavor for the entire field of social work. GCSWI calls for bold innovation and collective action powered by proven and evolving scientific interventions to address critical social issues facing society. The purpose of GCSWI was modeled after the National Academy of Engineering, which aimed to identify some of the most persistent engineering problems of the day and then put the attentions, energies, and funding of the entire field to work on them for a decade. The GCSWI does the same for social issues, tackling problems such as homelessness, social isolation, mass incarceration, family violence, and economic inequality. Grand Challenges for Social Work and Society is an edited book that will present the foundations of the GCSWI, laying out the start of the initiative and providing summaries of each of the twelve challenges. The 12 main chapters that form the core of the book, one on each of the dozen Grand Challenges, are written by the primary research teams who are driving each GC project.

Author : Signe-Mary McKernan,Michael Wayne Sherraden
Publisher : The Urban Insitute
Page : 304 pages
File Size : 45,8 Mb
Release : 2008
Category : Business & Economics
ISBN : 0877667543

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Asset Building and Low-income Families by Signe-Mary McKernan,Michael Wayne Sherraden Pdf

Low-income families have scant savings to cushion a job loss or illness, and can find economic mobility impossible without funds to invest in education, homes, or businesses. And though a lack of resources leaves such families vulnerable, income-support programs are often closed to those with a bit of savings or even a car. Considering welfare-to-work reforms, the increasingly advanced skill demands of the American workforce, and our stretched Social Security system, such an approach is inadequate to lift families out of poverty. Asset-based policies--allowing or even helping low-income families build wealth--are an increasingly popular strategy to facilitate financial stability.

Author : Leila Patel,Sophie Plagerson,Isaac Chinyoka
Publisher : Edward Elgar Publishing
Page : 587 pages
File Size : 42,8 Mb
Release : 2023-09-06
Category : Political Science
ISBN : 9781800378421

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Handbook on Social Protection and Social Development in the Global South by Leila Patel,Sophie Plagerson,Isaac Chinyoka Pdf

This cutting-edge Handbook argues for social protection to be situated in a wider system of social welfare and development programmes for low- and middle-income countries. Focusing on the role of citizens and communities in enhancing human development, it explores how welfare systems are unfolding in diverse contexts across the global South.

Author : Management Association, Information Resources
Publisher : IGI Global
Page : 671 pages
File Size : 43,8 Mb
Release : 2021-02-05
Category : Business & Economics
ISBN : 9781799886037

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Research Anthology on Concepts, Applications, and Challenges of FinTech by Management Association, Information Resources Pdf

FinTech, an abbreviated term for financial technology, is a digital revolution changing the way banking and financial services are being used both by individuals and businesses. As these changes continue to take place, the financial industry is focused on technological innovation and feeding into this digital revolution to better serve consumers who are looking for easier ways to invest, transfer money, use banking services, and more. FinTech is increasing accessibility to financial services, automating these services, expanding financial options, and enabling online payments and banking. While the benefits are being continually seen and this technology is becoming more widely accepted, there are still challenges facing the technology that include security concerns. To understand FinTech and its role in society, both the benefits and challenges must be reviewed and discussed for a holistic view on the digital innovations changing the face of the financial industry. The Research Anthology on Concepts, Applications, and Challenges of FinTech covers the latest technologies in FinTech with a comprehensive view of the impact on the industry, where these technologies are implemented, how they are improving financial services, and the security applications and challenges being faced. The chapters cover the options FinTech has unlocked, such as mobile banking and virtual transactions, while also focusing on the workings of the technology itself and security applications, such as blockchain and cryptocurrency. This book is a valuable reference tool for accountants, bankers, financial planners, financial analysts, business managers, economists, computer scientists, academicians, researchers, financial professionals, and students.

Author : Anonim
Publisher : DIANE Publishing
Page : 57 pages
File Size : 46,7 Mb
Release : 2024-06-28
Category : Electronic
ISBN : 9781437982800

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Community Financial Access Pilot (CFAP): Summary Report by Anonim Pdf

Author : Nancy Morrow-Howell,Margaret Sherraden
Publisher : Oxford University Press
Page : 256 pages
File Size : 51,8 Mb
Release : 2014-12-29
Category : Social Science
ISBN : 9780199374328

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Financial Capability and Asset Holding in Later Life by Nancy Morrow-Howell,Margaret Sherraden Pdf

With today's availability of Social Security and Medicare, we typically think of the older years as a stage in life where people are supported financially. However, of the more than 40 million old adults currently living in the US, many are struggling financially living below or near the poverty line. They are lacking the assets necessary to see them through a period of life that is often longer than expected and that requires more health and long-term care. While financial vulnerability can be most pronounced in old age, it is often created across decades, revealing itself in later years when there is little opportunity to reverse a lifetime of disadvantage. The concept of Financial Capability refers to both an individual and structural idea that combines a person's ability to act with their opportunity to act in their best financial interests. In Financial Capability and Asset Holding in Later Life: A Life Course Perspective the concept of Financial Capability is used to underscore the importance of acquiring knowledge and skills while addressing policies and services than can build financial security. The volume assembles the latest evidence on financial capability and assets among older adults using a life course perspective, arguing that older adults need financial knowledge and financial services in order to build secure lives, and that this process needs to begin before it is too late to make effective changes and choices. Broken into three parts, the book's chapters - written by leading experts in the field - blend together empirical findings, economic and social theory, and case studies. Part 1 opens the book with a conceptual and empirical overview of financial capability and assets among older adults using a life course perspective. Part 2 presents chapters addressing financial vulnerability of diverse racial and ethnic groups, people with disabilities, and immigrants. Part 3 includes chapters describing current policies, programs, and innovations, including a review of important issues of working and caregiving in later life, and a detailed assessment of "age-friendly" banking principles, banking products, services, and policies.