The Negative Association between Alternative Financial Services Usage and Financial Well-Being: Variations by Income

2020 ◽  
Vol 44 (3) ◽  
pp. 183-195
Author(s):  
Zibei Chen ◽  
Michelle Livermore
Keyword(s):  
Financial Services ◽  
Credit Card ◽  
Work Practice ◽  
Well Being ◽  
Banking Regulation ◽  
Social Work Practice ◽  
Financial Security ◽  
Credit Score ◽  
Alternative Financial Services

Abstract As reliance on alternative financial services (AFS) usage continues its exponential expansion among American families, policy debates over banking regulation perdure with limited empirical understanding of how usage affects individuals’ financial lives. Using data from the 2014 Survey of Household Economics and Decisionmaking, this study explored the association between AFS use and financial well-being using a nationally representative sample (N = 5,896). It also examined the role of household income in AFS use and its relation to financial well-being. Results from regression analyses indicated that AFS use was negatively associated with present financial security measured by credit score, making ends meet, subjective financial well-being, and credit card payment, and that future financial security was measured by having an emergency fund and a rainy-day fund. Moreover, the interaction models showed that lower-income groups had the most negative associations between AFS and most financial well-being indicators, suggesting a substantive role of income in exacerbating the negative relationships. This was the first known study linking use of AFS and household financial well-being with a focus on the role of income. The article concludes with a discussion of implications for policy and social work practice.

scholarly journals Credit card cue effect

2019 ◽  
Vol 38 (2) ◽  
pp. 368-383
Author(s):  
King Yin Wong ◽  
Michael Lynn
Keyword(s):  
Credit Card ◽  
Design Methodology ◽  
Credit Cards ◽  
Well Being ◽  
Financial Security ◽  
Consumer Spending ◽  
Content Type ◽  
Moderation Effect ◽  
Show Evidence

Purpose The extant literature has mixed results regarding the credit card cue effect. Some showed that credit card cues stimulate spending, whereas others were unable to replicate the findings or found that cues discourage consumer spending. The purpose of this paper is to investigate how consumers’ sensitivity to the pain of payment affects their mental associations about credit cards and how the differences in credit card associations moderate the credit card cue effect on spending, providing a possible explanation for the mixed results in the literature. Furthermore, this paper examines the role of consumers’ perceived financial well-being, measured by their perceptions of current and future wealth and their sense of financial security, in mediating this moderation effect. Design/methodology/approach An experimental study was conducted with a sample of 337 participants to test the hypothesized model. Findings After being shown credit card cues, spendthrift participants had more spending-related thoughts and less debt-related thoughts, perceived themselves as having better financial well-being and consequently spent more than tightwad participants. Originality/value To the authors’ knowledge, this is the first study to investigate the direct link between an exposure to credit card cues and perceived financial well-being, and one of the few to show evidence of the moderating effect of consumers’ sensitivity to the pain of payment on spending when credit card cues are present. This study suggests that marketers may use credit card cues to promote consumer spending, whereas consumers, especially spendthrifts, should be aware of how credit card cues may inflate their perceived financial well-being and stimulate them to spend more.

scholarly journals Place as a Social Determinant of Health: Narratives of Trauma and Homeland among Palestinian Women

2019 ◽  
Vol 49 (4) ◽  
pp. 963-982 ◽  
Author(s):  
Cindy A Sousa ◽  
Susan P Kemp ◽  
Mona El-Zuhairi
Keyword(s):  
Social Work ◽  
Collective Identity ◽  
Human Life ◽  
Spatial Dynamics ◽  
Work Practice ◽  
Well Being ◽  
Social Work Practice ◽  
Social Determinant ◽  
Experiences Of Women

Abstract Despite calls for greater social work attention to the centrality of place in human life, the profession has yet to hone frameworks that fully capture the role of place in individual–collective identity and well-being. To move this agenda forward, this article draws on data from a series of focus groups to explore the placed experiences of women in Palestine. Analytically, it is informed by critical place inquiry, which emphasises the deeply interactional relationships between people and places, views place-centred practice and research as catalysts for active responses to the spatialised nature of power and injustice, and focuses centrally on the geographic and spatial dynamics of colonisation, and particularly settler colonialism, as key determinants of individual and collective well-being. Women’s spatial narratives revolved around individual–collective identity and sovereignty, focusing in particular on three interdependent factors: freedom of movement; possession and dispossession; and continuity of place. Findings also illuminated spatial practices of resistance by which women defend and promote identity and sovereignty. We conclude with recommendations for more explicit, critically informed attention to place in social work practice, education and research.

Financial capabilities development: essential discourse in social work

2019 ◽  
Vol 46 (10) ◽  
pp. 1234-1246
Author(s):  
Lambert K. Engelbrecht ◽  
Abigail Ornellas
Keyword(s):  
Sustainable Development ◽  
Social Work ◽  
Financial Literacy ◽  
Community Education ◽  
Work Practice ◽  
Well Being ◽  
Social Work Practice ◽  
Content Type ◽  
Vulnerable Households ◽  
Definition Of

Purpose Within a neoliberal environment, financial vulnerability of households has become an increasing challenge and there is a requirement of financial literacy education, a necessary activity to facilitate sustainable development and well-being. However, this is seldom a mainstream discourse in social work deliberations. The paper aims to discuss these issues. Design/methodology/approach First, introducing the neoliberal impact on financial well-being and capability for vulnerable households, the authors’ postulation is substantiated on a seven-point argument. The contexts of financially vulnerable households are sketched. Second, a conceptualisation of financial literacy is offered, and third, perspectives on and approaches to financial literacy as a fundamental capability are presented. This is followed by a theoretical foundation of community education as a practice model in social work to develop financial capabilities. In the fifth place, prevailing practices of Financial Capabilities Development (FCD) programmes are offered. Subsequently, the implications of a neoliberal environment for social work practice are examined. Findings The revised global definition of social work encourages the profession to understand and address the structural causes of social problems through collective interventions. As a response, it is argued that community education towards FCD of vulnerable households within a neoliberal environment should be an essential discourse in social development. Originality/value The authors reflect on the significance of FCD, highlighting its contribution towards human security and sustainable development. Although this paper draws on Southern African contexts, the discourse finds resonance in other contexts across the world.

scholarly journals Emotional intelligence as a part of critical reflection in social work practice and research

2021 ◽  
pp. 147332502110247
Author(s):  
Mari D Herland
Keyword(s):  
Emotional Intelligence ◽  
Social Work ◽  
Social Workers ◽  
Critical Reflection ◽  
Work Practice ◽  
Social Work Practice ◽  
Emotional Reactions ◽  
Social Work Research ◽  
Emotional Aspects

Social workers often experience higher levels of burnout compared with other healthcare professionals. The capacity to manage one’s own emotional reactions efficiently, frequently in complex care settings, is central to the role of social workers. This article highlights the complexity of emotions in social work research and practice by exploring the perspective of emotional intelligence. The article is both theoretical and empirical, based on reflections from a qualitative longitudinal study interviewing fathers with behavioural and criminal backgrounds, all in their 40 s. The analysis contains an exploration of the researcher position that illuminates the reflective, emotional aspects that took place within this interview process. Three overall themes emerged – first: Recognising emotional complexity; second: Reflecting on emotional themes; and third: Exploring my own prejudices and preconceptions. The findings apply to both theoretical and practical social work, addressing the need to understand emotions as a central part of critical reflection and reflexivity. The argument is that emotions have the potential to expand awareness of one’s own preconceptions, related to normative societal views. This form of analytical awareness entails identifying and paying attention to one’s own, sometimes embodied, emotional triggers.

Calling Social Work to the Movement for Educational Justice

2020 ◽  
Author(s):  
Annahita Ball
Keyword(s):  
Social Work ◽  
Youth Development ◽  
Work Practice ◽  
Well Being ◽  
Social Work Practice ◽  
Valuable Insight ◽  
Educational Justice ◽  
Social Work Research ◽  
Conditions For Learning ◽  
History Of

Abstract The persistent and systemic inequities within the U.S. public education system have grave implications for children’s and youth’s outcomes, yet these inequities go far beyond academics. Marginalized and vulnerable students experience injustices across the educational system, including disproportionality in school discipline, unequal access to advanced courses, and poor conditions for learning. Social work has a solid history of addressing issues that intersect across families, schools, and communities, but the profession has had little engagement in the recent educational justice movement. As educational scholars advance a movement to address educational inequities, it will be increasingly important for social work researchers to provide valuable insight into the multiple components that make up youth development and support positive well-being for all individuals within a democratic society. This article encourages social work researchers to extend lines of inquiry that investigate educational justice issues by situating social work practice and research within educational justice and suggesting an agenda for future social work research that will advance equity for all students.

scholarly journals Opportunities to “Make Macro Matter” through the Grand Challenges for Social Work

2021 ◽  
pp. 104438942097248
Author(s):  
Samantha Teixeira ◽  
Astraea Augsberger ◽  
Katie Richards-Schuster ◽  
Linda Sprague Martinez ◽  
Kerri Evans
Keyword(s):  
Social Work ◽  
Work Practice ◽  
Social Work Practice ◽  
Grand Challenges ◽  
Macro Practice ◽  
Societal Challenges ◽  
The Social ◽  
Macro Social Work ◽  
Instrumental Role

The Grand Challenges for Social Work initiative, led by the American Academy of Social Work and Social Welfare (AASWSW), aims to organize the social work profession around 12 entrenched societal challenges. Addressing the root causes of the Grand Challenges will take a coordinated effort across all of social work practice, but given their scale, macro social work will be essential. We use Santiago and colleagues’ Frameworks for Advancing Macro Practice to showcase how macro practices have contributed to local progress on two Grand Challenges. We offer recommendations and a call for the profession to invest in and heed the instrumental role of macro social work practice to address the Grand Challenges.

Meeting the Placement Needs of Jewish Children

2000 ◽  
Vol 24 (1) ◽  
pp. 40-46 ◽  
Author(s):  
Golda Smith
Keyword(s):  
Social Work ◽  
Work Practice ◽  
Social Work Practice ◽  
Anti Semitism ◽  
Jewish Children

There is little published literature on the placement needs of Jewish children in Britain. Golda Smith seeks to redress the balance, beginning with a brief historical summary of the experiences of Jews in Britain, including the roots of anti-Semitism. The article goes on to discuss the diversity within Jewishness, the importance of religion in children's understanding of their identity, the role of family customs and the implications of such issues for social work practice. Smith concludes with a call for all placement workers to have access to training and information about the placement needs of this neglected group.

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