ERIC Number: EJ1323193
Record Type: Journal
Publication Date: 2021
Pages: 11
Abstractor: As Provided
ISBN: N/A
ISSN: ISSN-1052-3073
EISSN: N/A
Behavior Change for Low-Income Individuals Resulting from a Cooperative Extension Financial Capability Program
Tobe, Erica; Eschbach, Cheryl; Weber, Robert; Ortquist, Jinnifer; Hendrian, William V.
Journal of Financial Counseling and Planning, v32 n2 p231-241 2021
An evaluation was implemented over a 3-year period to assess a statewide financial capability program for low-income, diverse clientele in Michigan. Pre- and post- program evaluation data was used to determine knowledge gain and intended behavior change. Follow-up evaluation data confirmed behavior changes across 10 financial practices. Using the Transtheoretical Model of Behavior Change, research findings revealed participants were better able to maintain change in key financial practices including making wise money decisions, creating a spending plan, and managing debt as a result of the educational program. Recommendations are provided to support future programs with similar clientele.
Descriptors: Behavior Change, Low Income Groups, Money Management, Program Evaluation, Program Effectiveness, Diversity, Knowledge Level, Models, Decision Making, Debt (Financial), Extension Education, Pretests Posttests, Participant Characteristics, Income, Race, Ethnicity, Gender Differences, Employment Level, Unemployment
Association for Financial Counseling and Planning Education. 1500 West Third Avenue Suite 223, Columbus, OH 43212. Tel: 614-485-9650; Fax: 614-485-9621; Web site: https://connect.springerpub.com/content/sgrjfcp
Publication Type: Journal Articles; Reports - Research
Education Level: N/A
Audience: N/A
Language: English
Sponsor: N/A
Authoring Institution: N/A
Identifiers - Location: Michigan
Grant or Contract Numbers: N/A