Financial education for low-income audiences : a guide to program design, implementation, and evaluation

Abstract

In recent years, programs designed to promote financial literacy among lowincome populations have proliferated. However, such programs have largely been developed by small community-based organizations operating in isolation from one another. Most have been conducted in absence of guidance explaining how to ensure that the program meets the needs of the target audience. Very few studies have been able to link the program to subsequent increases in financial understanding or improvements in financial behaviors among participants.

This thesis serves as a guidebook for community organizations that intend to provide financial literacy training to low-income audiences. The subject is introduced by offering a working definition of financial literacy, a brief overview of the state of financial literacy education in the United States, and a discussion of the importance of financial literacy. The political and social climates surrounding financial literacy are then discussed, followed by a summary of previous research studies that have found financial education to be effective. The subsequent chapters provide financial educators with practical guidance on the program's design, content, delivery, evaluation, and administration. The final chapter provides insights from the fields of economics and psychology. Supplemental resources for financial educators are found in the appendices.

Notes

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Thesis Completion

2008

Semester

Spring

Advisor

Gilkeson, James H.

Degree

Bachelor of Science (B.S.)

College

College of Business Administration

Degree Program

Finance

Subjects

Business Administration -- Dissertations, Academic;Dissertations, Academic -- Business Administration

Format

Print

Identifier

DP0022241

Language

English

Access Status

Open Access

Length of Campus-only Access

None

Document Type

Honors in the Major Thesis

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