Financial challenges and capacity among African refugees in the Southern USA: A study of socio-demographic differences

Refugees' successful integration into US society requires adaptation to economic, financial and social norms. Despite the importance of considering financial challenges (financial stress and financial anxiety) and financial capacity (financial literacy and financial self-efficacy) in reaching personal financial goals, literature examining the relationship between financial challenges and capacity-critical in refugee resettlement and integration-is sparse and fragmented. This study explored financial challenges and capacity amongst resettled African refugees (N = 130) in the southern USA using data from a larger community-based participatory research study that used a mixed-methods approach. We explored socio-demographic differences in financial stress, financial anxiety, financial literacy and financial self-efficacy across African refugee subpopulation groups. Our study highlights the importance of social work advocacy for data disaggregation, which helps establish the scope of the problem, unmask subpopulation differences and make vulnerable groups more visible to facilitate the development of tailored programmes and services to reach economic integration goals. We provide social work implications for data disaggregation in the current coronavirus context, which will leave long-term financial scars on refugee subpopulations. (PsycInfo Database Record (c) 2023 APA, all rights reserved)

Financial Challenges of Family Child Care Providers During the COVID-19 Pandemic: A Phenomenological Study.

The impact of COVID-19, both in quality and quantity, on the field of early childhood education, ECE is immeasurable. However, as research shows, its impact on family child care (FCC), has been worse than other sectors of ECE. FCC providers worldwide have always perceived their work as a service to families and children, yet FCC homes have not received much attention and recognition from researchers and policymakers compared to center-based ECE programs. This phenomenological inquiry with 20 FCC providers in a large urban county in California highlights the financial challenges that FCC providers faced during the early part of the pandemic before they received financial support from the state in the spring of 2021. The cost of running the program was quite high because of reduced enrollment and the regular purchase of sanitary materials. To keep their programs afloat, some participants had to lay off their staff, others kept them without salary, others had to exhaust their savings, and most incurred credit card debt. Most of them also experienced psychosocial stress. Their financial hardships during the pandemic would have been far worse without the emergency funding received from the state. However, as experts warn, the field of ECE needs a permanent solution and the situation could be even worse after the emergency funds run out in 2024. The nation has witnessed the dedicated service of FCC providers during the pandemic, especially to families of essential workers. Much work is needed at empirical and policy levels to support and celebrate the service of FCC providers.

Financial challenges and hardship during the COVID-19 pandemic and tobacco expenditure minimizing strategies among U.S. adult commercial tobacco users.

INTRODUCTION: Commercial tobacco (CT) users employ tobacco expenditure minimizing strategies (TEMS) to manage their CT expenditures. We examined how financial challenges and hardships during the COVID-19 pandemic relate to increases in TEMS use. METHODS: Data from a nationally representative sample of 1,700 U.S. adult recent former and current CT users were collected from an online panel during January-February 2021. Participants reported if they had increased use of eight TEMS to save money on CT since the pandemic, and experienced financial challenges (e.g., losing a job) and hardships (e.g., not having enough money to pay for food). The number of financial hardships experienced was counted (range: 0-6). Weighted multivariable logistic regression models were used to examine the associations between financial challenges and hardships and increased TEMS use, adjusting for demographics. RESULTS: Since the COVID-19 pandemic, three TEMS showed the largest increase in use by U.S. adult current and recent former CT users: cutting back (22.4%), finding less expensive places to purchase (15.6%), and buying by bulk (15.5%). Many financial challenges and hardships were consistently associated with increased uses of TEMS. Furthermore, every additional count of financial hardships was associated with higher odds of increasing use of each TEMS (AORs ranging between 1.12 and 1.23). CONCLUSIONS: Many CT users increased TEMS use to manage their CT expenditures when facing financial challenges and hardships during the pandemic. This could hinder CT cessation and promote relapse. Prohibiting certain TEMS (e.g., discount coupon and price promotions) may promote CT cessation among this financially vulnerable group.

Association between family financial decline due to COVID-19 and generalized anxiety disorder among Korean adolescents.

BACKGROUND: COVID-19 has had a worldwide economic impact. A decline in family financial level can adversely affect adolescents' mental health. This study examined the association between perceived family financial decline due to COVID-19 and generalized anxiety disorder (GAD) among South Korean adolescents. METHODS: Data from 54,948 middle and high school students from the 2020 Korea Youth Risk Behavior Survey were collected in this cross-sectional study. The effect of the perceived family financial decline due to COVID-19 related to GAD was analyzed using binary and multinomial logistic regression. RESULTS: The relationship between perceived family financial decline due to COVID-19 and GAD was linear with increasing odds ratios and confidence intervals (the possibility of GAD, no financial decline: OR 1.00, mild: OR 1.11, CI 1.05-1.17, moderate: OR 1.30, CI 1.22-1.39, severe: OR 1.48, CI 1.34-1.63). Girls, low-income class, and living with family were vulnerable to GAD. GAD levels of mild, moderate, and severe were most likely to occur in each case of mild, moderate, and severe financial decline, respectively. LIMITATIONS: As this is a cross-sectional study, causality is unknown. Because this study data was self-reported by adolescents, they may have been overestimated or underestimated. CONCLUSION: GAD in adolescents is closely related to perceived decreased family finances due to COVID-19. The dose-response of GAD according to financial decline became gradually severe. Anxious adolescents were afraid of uncertain and adverse outcomes affecting them or their families. Therefore, there is a vital need to care for financially affected adolescents.

Living With HIV During the COVID-19 Pandemic: Impacts for Older Adults in Palm Springs, California.

We conducted surveys in March 2020 with 100 older adults living in Palm Springs, CA, to (1) report the impact of the COVID-19 pandemic on their day-to-day well-being and (2) describe the factors related to missing HIV medication during the pandemic. Respondent's mean age was 64.2 and the majority identified as White, men, and gay. The majority stated that the pandemic had impacted their lives "much," "very much," or "extremely." One-third experienced financial challenges and 46.0% experienced disruptions to health care. Almost a quarter (24.0%) reported missing a dose of their HIV medication during the pandemic. Compared to those ages 64+, younger respondents were more likely to report some negative impacts like changes in sleep patterns, financial challenges, and missed HIV medication doses, and had higher PTSD severity scores. In adjusted logistic regression, higher PTSD severity scores and disruption to health care were associated with missed doses of medications (ps < .05).