Assessing the Short-Term Stability of Financial Well-Being in Low- and Moderate-Income Households

Much of the literature on household finance tends to focus on relatively objective measures of financial security (e.g., savings, income, financial knowledge), and there has been less research on measures of subjective financial well-being. This gap is due in part to the absence of a common understanding on defining and measuring subjective financial well-being. The Consumer Financial Protection Bureau […]

Can Workplace Financial Counseling Help Lower-Income Workers Improve Credit Outcomes?

Financial counseling has been found to be effective in improving consumers’ credit outcomes and could be expanded through the workplace to reach lower-income workers who struggle with various financial challenges. We examine engagement and credit outcomes associated with a workplace financial counseling program offered to 2,849 frontline workers in New York City. Age and credit […]

Are Foreclosure Spillover Effects Universal? Variation Over Space and Time

Government intervention in the housing market in response to the 2007–2010 mortgage crisis was driven in part by research showing that foreclosures lower neighboring housing values and thus increase neighbors’ risk of foreclosure. Researchers have consistently identified a negative spillover effect of foreclosures on nearby housing values, but the magnitude of the effect varies widely […]

Addressing the Burden of Education Financing in Low and Lower-Middle-Income Countries: The Role of Savings Accounts, Cash Transfers, and Other Income Sources

Ansong, D., Okumu, M., Otchere, F., Koomson, I., & Sherraden, M. (2021). Addressing the burden of education financing in low and lower middle income countries: The role of savings accounts, cash transfers, and other income sources. Journal of Family and Economic Issues, 42(4), 745–756. https://doi.org/10.1007/s10834-021-09757-5

From intention to action: A systematic literature review of provider behaviour change‐focused interventions in physical health and behavioural health settings

It is clear there are significant delays in the uptake of best practices as part of routine care in the healthcare system, yet there is conflicting evidence on how to specifically align provider behaviour with best practices. Method We conducted a review of interventions utilized to change any aspect of provider behaviour. To extend prior […]

Employee financial wellness programs: Promising new benefit for frontline workers?

Availability of different EFWP benefits ranged from 11 to 15% and over a third of workers were unaware of whether their employer offered an EFWP. Experiencing financial difficulties predicted both EFWP awareness and use suggesting that employers should take time to assess employees’ specific financial challenges to select benefits. Yet, use of EFWPs by LMI workers may suggest the need for better compensation and work conditions.

Mental and Physical Health in Service Member and Veteran Students Who Identify as American Indians and Alaskan Natives

Albright, D. L., Fletcher, K. L., McDaniel, J. T., Godfrey, K., Thomas, K., Tovar, M., & Bertram, J. M. (2020). Mental and physical health in service member and veteran students who identify as American Indians and Alaskan Natives. Journal of American College Health, 69(7), 783–790. https://doi.org/10.1080/07448481.2019.1707206

Cancer Risk From Air Toxics in Relation to Neighborhood Isolation and Sociodemographic Characteristics: A Spatial Analysis of the St. Louis Metropolitan Area, USA

Ekenga, C. C., Yeung, C. Y., Oka, M. (2019). Cancer risk from air toxics in relation to neighborhood isolation and sociodemographic characteristics: A spatial analysis of the St. Louis metropolitan area, USA. Environmental Research, 179(Pt. B), 108844. https://doi.org/10.1016/j.envres.2019.108844

Financial wellness programs in the workplace: Employer motivations and experiences

Employee financial wellness programs (EFWPs) are a benefit innovation that promise to address the financial challenges of employees while also benefiting employers. Results from a mixed-methods study of employers suggest early adopters appear to be motivated primarily by a desire to help employees. EFWP success may depend on promotion by organizational champions. Programs that accommodate […]

You Are College Material—You Belong: An Underrepresented Minority Student Retention Intervention Without Deception

Patterson Silver Wolf, D. A., Taylor, F., Maguin, E., & Asher BlackDeer, A. (2019). You Are College Material—You Belong: An underrepresented minority student retention intervention without deception. Journal of College Student Retention: Research, Theory & Practice. https://doi.org/10.1177/1521025119848749

Enrollment and Participation in a Universal Child Savings Program: Evidence from the Rollout of Israel’s National Program

Grinstein-Weiss, M., Pinto, O., Kondratjeva, O., Roll, S. P., Bufe, S., Barkali, N., & Gottlieb, D. (2019). Enrollment and participation in a universal child savings program: Evidence from the rollout of Israel’s national program. Children and Youth Services Review, 101, 225–238. https://doi.org/10.1016/j.childyouth.2019.03.048

Assessing the Impact of an Asset-Based Intervention on Educational Outcomes of Orphaned Children and Adolescents: Findings from a Randomised Experiment in Uganda

Nabunya, P., Namatovu, P., Damulira, C., Kivumbi, A., Byansi, W., Mukasa, M., Nattabi, J., & Ssewamala, F. M. (2019). Assessing the impact of an asset-based intervention on educational outcomes of orphaned children and adolescents: Findings from a randomised experiment in Uganda. Asia Pacific Journal of Social Work and Development, 29(1), 59–69. doi:10.1080/02185385.2019.1575271

【视野】普惠金融与金融能力:美国社会工作的大挑战 [From financial inclusion to financial capability: A grand challenge of social work in the United States]

Huang, J., Sherraden, M. S., & Zou, L. (2018, October). 【视野】普惠金融与金融能力:美国社会工作的大挑战 [From financial inclusion to financial capability: A grand challenge of social work in the United States]. China Social Work Magazine. https://mp.weixin.qq.com/s/z15GHMa00dxgokSiX2TU9A

Effects of a tax-time savings experiment on material and health care hardship among low-income filers

Material and health care hardship is common among households with low incomes and is associated with a host of adverse outcomes but can be mitigated with having savings. The authors assessed the effects of online tax-time savings interventions informed by behavioral economics on hardship among a sample of low- and moderate-income tax filers (N = 4,738). The […]

Encouraging Tax‐Time Savings With A Low‐Touch, Large‐Scale Intervention: Evidence From The Refund To Savings Experiment

Low‐ and moderate‐income households often struggle to save, but the annual tax refund represents a prime opportunity for these households to save toward their financial goals or build their emergency savings. This paper presents the results of a randomized, controlled experiment embedded in a free tax‐preparation product offered in 2013 to low‐ and moderate‐income households. […]

Effects of a randomized tax-time savings intervention on savings account ownership among low- and moderate-income households

Being unbanked makes it difficult for low and moderate-income (LMI) households to manage finances, save, and access credit. We assessed effects of an online tax-time savings intervention on savings account openings in the 6 months following tax filing among a sample of4,692 LMI tax filers. Treatment group participants had 60% greater odds of opening a […]

Financial shocks, liquid assets, and material hardship in low- and moderate-income households: Differences by race

Low- and moderate-income (LMI) households need financial assets to help cope with income and expenditure shocks. Prior research identifies racial differences in wealth and wealth effects. We examined whether these gaps and effects exist for liquid financial assets. Using group invariance tests in structural equation modeling, we assessed the relationship between financial shocks and material […]

Conclusion: A Theoretical and Methodological Commitment to Transnational Research Collaborations: Lessons Learned in International Volunteerism

Grantham, K. E., Tiessen, R., & Lough, B. J. (2018). Conclusion: A theoretical and methodological commitment to transnational research collaborations: Lessons learned in international volunteerism. Voluntaris: Journal of Volunteer Services, 2018, 134–142. doi:10.5771/9783845283920-134

Introduction: A Theoretical and Methodological Case for Examining Agency and Power Relations in North–South Volunteering Research Collaborations

Tiessen, R., Lough, B. J., & Cheung, S. (2018). Introduction: A theoretical and methodological case for examining agency and power relations in North-South volunteering research collaborations. Voluntaris: Journal of Volunteer Services, 2018, 7–22. doi:10.5771/9783845283920-7

Asset Building: Toward Inclusive Policy

Sherraden, M., Johnson, L., Clancy, M. M., Beverly, S. G., Sherraden, M. S., Schreiner, M., Elliott, W., III, Williams Shanks, T. R., Adams, D., Curley, J., Huang, J., Grinstein-Weiss, M., Nam, Y., Zhan, M., & Han, C. K. (2018, March 28). Asset building: Toward inclusive policy. In C. Franklin (Ed.), Encyclopedia of social work. https://doi.org/10.1093/acrefore/9780199975839.013.25

Examining Public Perceptions About Lead in School Drinking Water: A Mixed-Methods Analysis of Twitter Response to an Environmental Health Hazard

Ekenga, C. C., McElwain, C.-A., & Sprague, N. (2018). Examining public perceptions about lead in school drinking water: A mixed-methods analysis of Twitter Response to an Environmental Health Hazard. International Journal of Environmental Research and Public Health, 15(1), E162. http://dx.doi.org/10.3390/ijerph15010162

The role of choice architecture in promoting saving at tax time: Evidence from a large-scale field experiment

Tax refunds give many low-and moderate-income (LMI) households a rare opportunity to save for unexpected expenses. We conducted three experiments aimed at increasing tax-time savings by LMI consumers. In a large field experiment, the most effective intervention increased the average savings deposits by about 50%. Delivered as people filed taxes online, this treatment consisted of […]

Supporting and Retaining Village Health Teams: An Assessment of a Community Health Worker Program in Two Ugandan Districts

Mays, D. C., O’Neil, E. J., Mworozi, E. A., Lough, B. J., Tabb, Z. J., Whitlock, A. E., … Talib, Z. M. (2017). Supporting and retaining village health teams: An assessment of a community health worker program in two Ugandan Districts. International Journal for Equity in Health, 16, article 129. doi:10.1186/s12939-017-0619-6