Financial education for low-income audiences : a guide to program design, implementation, and evaluation
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.
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Gilkeson, James H.
Bachelor of Science (B.S.)
College of Business Administration
Business Administration -- Dissertations, Academic;Dissertations, Academic -- Business Administration
Length of Campus-only Access
Honors in the Major Thesis
Booth, Lalita D., "Financial education for low-income audiences : a guide to program design, implementation, and evaluation" (2008). HIM 1990-2015. 716.