Taking Financial Literacy Downtown: Leveraging Community Partnerships to Increase Communication of Essential Financial Information in an Urban Area

2021 ◽  
pp. 001312452110638
Author(s):  
Lindsay Neuberger ◽  
Deborah A. Carroll ◽  
Silvana Bastante ◽  
Maeven Rogers ◽  
Laura Boutemen
Keyword(s):  
Focus Groups ◽  
Urban Communities ◽  
Financial Literacy ◽  
Community Partnerships ◽  
Wealth Accumulation ◽  
Community Members ◽  
Financial Outcomes ◽  
Research Findings ◽  
Credit Scores ◽  
Priority Populations

Financial illiteracy is a systemic issue across the country, especially among lower-income individuals in urban communities. This low level of financial literacy often leads to higher levels of debt, lower credit scores, less wealth accumulation, and poor retirement planning. Increasing financial literacy in these priority populations can be effective in combatting some of these negative financial outcomes. This study emerged from a partnership between community organizations in a large urban metropolitan area and scholars from diverse disciplinary backgrounds. Guided by formative research principles, this manuscript reports on research findings derived from several focus groups with community members. These focus groups helped to identify existing perceived financial knowledge levels, categorize barriers to enhancing financial literacy, and illuminate potentially pathways to effective financial literacy program development.

scholarly journals The Challenges of Intersectionality in the Lives of Older Adults Living in Rural Areas with Limited Financial Resources

2021 ◽  
Vol 7 ◽  
pp. 233372142110093
Author(s):  
Adrienne Cohen
Keyword(s):  
Focus Groups ◽  
Rural Areas ◽  
Financial Resources ◽  
Policy Recommendations ◽  
Community Members ◽  
Individual Interviews ◽  
Study Population ◽  
Southern Georgia ◽  
Multiplicative Effects ◽  
Limit Access

The objective of this study was to use intersectionality to better understand the challenges of having the combined statuses of being an older adult, living in a rural area and having limited financial resources. Eight focus groups and 38 individual interviews were conducted in southern Georgia. Participants included program participants and staff, community members, and community leaders. Thematic analysis was done using verbatim transcripts from focus groups and interviews. Results demonstrate that the multiplicative and intersecting statuses of the study population create challenges in the areas of transportation, health care, food, and housing. The challenges of these intersectional statuses limit access to services in ways that each individual status did not, thereby compounding challenges. While previous literature describes the challenges of one or two of these statuses, this work explores the multiplicative effects of the combination of the three statuses using intersectionality. Programmatic and policy recommendations and implications are discussed.

scholarly journals Rethinking success, integrity, and culture in research (part 1) — a multi-actor qualitative study on success in science

2021 ◽  
Vol 6 (1) ◽  
Author(s):  
Noémie Aubert Bonn ◽  
Wim Pinxten
Keyword(s):  
Qualitative Study ◽  
Focus Groups ◽  
Research Integrity ◽  
Current Paper ◽  
Research Quality ◽  
Structured Interviews ◽  
Community Members ◽  
Policy Makers ◽  
The Past ◽  
Research Students

Abstract Background Success shapes the lives and careers of scientists. But success in science is difficult to define, let alone to translate in indicators that can be used for assessment. In the past few years, several groups expressed their dissatisfaction with the indicators currently used for assessing researchers. But given the lack of agreement on what should constitute success in science, most propositions remain unanswered. This paper aims to complement our understanding of success in science and to document areas of tension and conflict in research assessments. Methods We conducted semi-structured interviews and focus groups with policy makers, funders, institution leaders, editors or publishers, research integrity office members, research integrity community members, laboratory technicians, researchers, research students, and former-researchers who changed career to inquire on the topics of success, integrity, and responsibilities in science. We used the Flemish biomedical landscape as a baseline to be able to grasp the views of interacting and complementary actors in a system setting. Results Given the breadth of our results, we divided our findings in a two-paper series, with the current paper focusing on what defines and determines success in science. Respondents depicted success as a multi-factorial, context-dependent, and mutable construct. Success appeared to be an interaction between characteristics from the researcher (Who), research outputs (What), processes (How), and luck. Interviewees noted that current research assessments overvalued outputs but largely ignored the processes deemed essential for research quality and integrity. Interviewees suggested that science needs a diversity of indicators that are transparent, robust, and valid, and that also allow a balanced and diverse view of success; that assessment of scientists should not blindly depend on metrics but also value human input; and that quality should be valued over quantity. Conclusions The objective of research assessments may be to encourage good researchers, to benefit society, or simply to advance science. Yet we show that current assessments fall short on each of these objectives. Open and transparent inter-actor dialogue is needed to understand what research assessments aim for and how they can best achieve their objective. Study Registration osf.io/33v3m.

A multiperspective on the broad dissemination of research findings to past research participants and the community-at-large

2021 ◽  
Author(s):  
Tilicia L Mayo-Gamble ◽  
Jennifer Cunningham-Erves ◽  
Chioma Kas-Osoka ◽  
George W Johnson ◽  
Nicole Frazier ◽  
...  
Keyword(s):  
Past Research ◽  
Critical Element ◽  
Community Members ◽  
Research Participants ◽  
Funding Agencies ◽  
Semistructured Interviews ◽  
Dissemination Of Research ◽  
Research Findings ◽  
Dissemination Process ◽  
Research Continuum

Abstract Dissemination of research findings to past research participants and the community-at-large is a critical element to improving health outcomes, yet it is often overlooked by researchers. Few studies have explored how to provide study findings to the community, and no studies have investigated how community members can be involved in this process. This study explored views on the broad dissemination of research findings to community members and the role of the community in the dissemination process. We conducted a comparative analysis from the perspective of researchers, community members, and program officers (POs) from national health research funding agencies. Semistructured interviews were conducted with community members (African American, N = 10; Latino, N = 10), academic researchers (N = 10), and POs (N = 5). Thematic analysis was utilized in which codes and themes were created. One cross-cutting theme was identified, Views on Disseminating Research Findings to Communities. There were three additional themes identified among community members, five among researchers, and four among POs. All groups perceived the value of dissemination to communities as meaningful and ethical. Groups differed in their perceptions of prioritization of dissemination audiences. This study highlighted consensus on the value of broad dissemination to the community-at-large and identified areas of insufficiency in the translational research continuum that could be expanded or improved to ensure targeted groups receive the intended benefits of positive research findings. The long-term benefit of disseminating findings to the community-at-large is increased acceptability of interventions and reduced mistrust in research and researchers.

scholarly journals Prospects and Evaluation of an Integrated Extension Model designed for Anthrax-free Area Development

2020 ◽  
Vol 27 (3) ◽  
pp. 103-115
Author(s):  
Shahjahan Sarker ◽  
Ajran samin ◽  
Muket Mahmud ◽  
Nazmul Hoque ◽  
SK Shaheenur Islam ◽  
...  
Keyword(s):  
Significant Role ◽  
Community Members ◽  
Public Health Importance ◽  
Extension Model ◽  
Model Community ◽  
Research Findings ◽  
Community People ◽  
Clinical Records ◽  
Knowledge Attitude And Practice

The main purpose of this study wasto assess and evaluate anIntegrated Extension Modelto improve the overall knowledge, attitude and practice habits of community people over a sustained period.The survey questionnaire results have indicated that the various sources of anthrax message dissemination had played a significant role in the study. Among those responsible for disseminating the information, it was realized that studentsserving in the role of message disseminators played the most significant role (15%) indelivering the anthrax-related key information to the community. Majority community members (97.5%) were made aware of the nature, occurrence, public health importance, and management of the disease. Theirdangerous habits and attitudes toward slaughtering of sick animals were reduced (<30%) the issue of animal slaughter. Vaccination and clinical records reveal that the percentage of vaccination coverage was increased from 40% to 85% andthe percentage of farmers who can diagnose anthrax has been increased from 30% to 40%.On the other hand, their poor economic background together with the dispersed settlement nature of the farmers was the main gaps identified that continued to force them to slaughter infected animals, sell their products and to consequently concealthat information, all issues that are required to be addressed in the future. Based on the research findings, it can be concluded that this modelis an efficient, effective and suitable method to raise awareness levels in a large communitywith regards to a zoonotic disease like anthrax. Keywords: anthrax, One Health, awareness, Integrated Extension Model, community

scholarly journals A Spatial analysis of population at risk of food insecurity using the voices from a Photovoice study

2020 ◽  
Vol 7 (2) ◽  
pp. 20-47
Author(s):  
Mikiko Terashima ◽  
Catherine Hart ◽  
Patricia Williams
Keyword(s):  
At Risk ◽  
Spatial Analysis ◽  
Urban Communities ◽  
Economic Resources ◽  
Spatial Accessibility ◽  
Community Members ◽  
Population At Risk ◽  
Food Outlets ◽  
Rural And Urban ◽  
Access To Food

To better understand community-level impacts of the built environmental quality on residents with less economic resources to acquire food, it is fruitful to combine qualitative and quantitative approaches to the investigation. We explored how the level of spatial accessibility in communities change if we incorporate even a few factors of barriers on journey to food voiced in a Photovoice study. The resulting population coverage by food outlets was dramatically reduced in both rural and urban communities, suggesting that the usual proximity-based spatial analysis likely grossly underestimate the population at risk of lacking access to food. Therefore, a ‘real’ spatial accessibility can only be understood by incorporating factors of barriers to get to food outlets, informed by the insights of community members. 

scholarly journals How We Got Here: Producing Climate Inequity and Vulnerability to Urban Weather Extremes

2021 ◽  
pp. 11-28
Author(s):  
Zoé A. Hamstead
Keyword(s):  
Urban Communities ◽  
Political Institutions ◽  
Future Generations ◽  
Weather Extremes ◽  
Humanitarian Crisis ◽  
Historical Processes ◽  
Research Findings ◽  
Urban Futures ◽  
Climate Crisis ◽  
Urban Weather

AbstractThis collected volume is intentionally future-oriented; it is authored by a team of interdisciplinary scientists and practitioners who collaborate to translate research findings into networked adaptive practices that we hope will protect urban communities against the impacts of extreme weather. While future-oriented, we cannot protect future generations against urban weather extremes without understanding the historical processes through which these existential and ethical crises came about. This chapter describes how economic and political institutions produced the climate crisis in ways that also constitute a humanitarian crisis, inscribing climate inequity into the urban built environment and institutions. It offers reflections on ways in which this history must be wrestled with in the context of equitable and resilient urban futures.

Using ERG Theory as a Lens to Understand the Sharing of Academic Tacit Knowledge

2015 ◽  
pp. 1244-1272
Author(s):  
Ta Van Canh ◽  
Suzanne Zyngier
Keyword(s):  
Higher Education ◽  
Focus Groups ◽  
Tacit Knowledge ◽  
Transition Economy ◽  
Strong Link ◽  
Education Environment ◽  
Management Capacity ◽  
Academic Publications ◽  
Research Findings ◽  
Depth Interviews

This chapter provides a direct view of the higher education environment in a transition economy. It reports research findings on barriers to sharing knowledge among Vietnamese academic and managerial colleagues, focusing on three factors: time, capital, and management capacity. It draws on data from focus groups and from in-depth interviews of Vietnamese members of faculty from six major universities. A key finding of this study is that work-overload leaves little time for collaborative research. Together with insufficient English skills and bureaucratic management, it contributes to measurable levels of cheating and corruption in education that in turn lead to low quality and quantity of international academic publications and of patents. This finding indicates that there is a strong link with both Existence, Relatedness, and Growth (ERG) theory and Maslow's theory of need with both the quality and quantity of international publications produced by Vietnamese academics.

scholarly journals Accounting Training Module Development to Boost Agriculture Financial Literacy on Palm Farmers

2017 ◽  
Vol 10 (9) ◽  
pp. 78
Author(s):  
Henny Triyana Hasibuan ◽  
Danardana Murwani ◽  
Sri Umi Mientarti Widjaja ◽  
Mit Witjaksono
Keyword(s):  
Palm Oil ◽  
Financial Literacy ◽  
Financial Management ◽  
Lesson Plan ◽  
Model Development ◽  
Cost Calculation ◽  
Training Module ◽  
Community Members ◽  
Module Development ◽  
Interest And Motivation

This research aims to develop agriculture accounting training module in order to increase palm oil farmer financial literacy, in this case farmers in Donomulyo, Malang Regency, Indonesia. The method utilized in model development is Design Based Research using the following progression: problem identification, explanation of goals, design and development of artifacts, artifact testing, evaluation on artifact testing, and communication of artifact testing result. Examination was conducted on 25 palm oil farmers, through individual learning on agriculture accounting training to increase financial literacy. Module effectivity was determined should 50% of community members apply separate accounting records for agriculture and household respectively. Module development result has been validated and revised by economy lesson plan experts, education media experts, and agriculture accounting experts. Module composition consists of Chapter 1 (An Introduction to Agriculture Accounting), Chapter 2 (Accounting Basic Procedure), Chapter 3 (Agriculture Break Event Point), Chapter 4 (Agriculture Opportunity Cost Calculation), Chapter 5 (Palm Oil Farmer Household Financial Management). Graphic design provides colorful layout to increase learners’ interest and motivation to learn module content. 76% of the total number of participating farmers have utilized modules and implemented accounting in daily life.

Unbanked status and use of alternative financial services among minority populations

2019 ◽  
pp. 1-14 ◽  
Author(s):  
Silvia Helena Barcellos ◽  
Gema Zamarro
Keyword(s):  
Financial Literacy ◽  
Financial Services ◽  
Economic Status ◽  
Large Fraction ◽  
Explanatory Power ◽  
Primary Data ◽  
Wealth Accumulation ◽  
Alternative Financial Services ◽  
Underlying Causes ◽  
Racial Ethnic

AbstractA large number of Americans do not have bank accounts (the ‘unbanked’) or rely on costly alternative financial services (AFS) such as payday loans (the ‘underbanked’), with implications for wealth accumulation and retirement preparedness. Using primary data, we document large racial/ethnic differences in unbanked and in frequent AFS usage rates. We study the role of socio-economic status (SES), financial literacy, trust in financial institutions, networks, and time preferences in explaining these gaps. While these variables explain a large fraction of the white-minority gaps in unbanked status the same is not true for gaps in AFS use. A Blinder-Oaxaca decomposition confirms these patterns: gaps in unbanked status are mostly explained by differences in endowments across groups, for AFS gaps differences in returns to endowments have the largest explanatory power. Our findings suggest that, while related, unbanked and underbanked are distinct concepts with different underlying causes that may require different policy responses.

Using Research to Understand Youth in High-Risk Urban Communities

2012 ◽  
Vol 18 (3) ◽  
pp. 187-202
Author(s):  
Megan Yarmuth ◽  
Jennifer Patterson ◽  
Tessa Burton ◽  
Caitlin Douglas ◽  
Trish Taylor ◽  
...  
Keyword(s):  
High School Students ◽  
High Risk ◽  
Focus Groups ◽  
Urban Communities ◽  
Peer Relationships ◽  
Dating Violence ◽  
Urban Areas ◽  
Teen Dating Violence ◽  
The United States ◽  
High Risk Youth

Research from the Centers for Disease Control and Prevention (CDC) shows that nearly 1.5 million high school students a year are affected by dating violence and that youth who are physically hurt by a boyfriend/girlfriend are more likely to report binge drinking, suicide attempts, and other harmful behaviors. Dating violence may be more prevalent in economically and socially disadvantaged communities, especially in urban areas. Targeting youth with prevention messages before they start dating may avert teen dating violence and subsequent adult intimate partner violence; however, there is a dearth of materials available for youth in high-risk urban communities. This article reports on secondary analyses of market research databases and other sources, as well as on primary research (e.g., focus groups) conducted with youth in high-risk urban communities. This research is exploratory in nature and is limited by the fact that the qualitative findings cannot be generalized to the overall population of high-risk youth. While the focus groups included youth from various races/ethnicities and geographical areas, CDC is aware that the study samples were not representative of the entire parent population in the United States. This exploratory research was conducted to inform the development of a communication campaign designed to reach youth in high-risk urban communities. Key findings for high-risk youth are provided across a variety of constructs including demographics, media and technology usage and impact, daily life and time spent in relationships, peer relationships, and attitudes and approaches to relationships. Implications for reaching this audience are discussed. These include reaching youth in urban settings and using approaches that focus on their peers, the Internet, cell phones, television, and music venues. Communication approaches that utilize print media or organized sports and other youth-oriented clubs and groups as channels to reach high-risk youth may be less impactful.

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