國立高雄大學圖資館 |

語系: 繁體中文

說明(常見問題)

圖資館首頁

登入

回首頁

切換: 標籤 | MARC模式 | ISBD

Credit Counseling, Financial Coachin...

Roll, Stephen Patrick.

Credit Counseling, Financial Coaching, and Client Outcomes: An Examination of Program Impacts and Implementation Dynamics.

紀錄類型:	書目-電子資源 : Monograph/item
正題名/作者:	Credit Counseling, Financial Coaching, and Client Outcomes: An Examination of Program Impacts and Implementation Dynamics.
作者:	Roll, Stephen Patrick.
出版者:	Ann Arbor : ProQuest Dissertations & Theses, 2016
面頁冊數:	262 p.
附註:	Source: Dissertation Abstracts International, Volume: 78-04(E), Section: A.
附註:	Adviser: Stephanie Moulton.
Contained By:	Dissertation Abstracts International78-04A(E).
標題:	Finance.
電子資源:	http://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=10294676
ISBN:	9781369370782

Credit Counseling, Financial Coaching, and Client Outcomes: An Examination of Program Impacts and Implementation Dynamics.
Roll, Stephen Patrick.

Credit Counseling, Financial Coaching, and Client Outcomes: An Examination of Program Impacts and Implementation Dynamics. - Ann Arbor : ProQuest Dissertations & Theses, 2016 - 262 p.

Source: Dissertation Abstracts International, Volume: 78-04(E), Section: A.

Thesis (Ph.D.)--The Ohio State University, 2016.

Consumers in the United States are beset by a number of serious financial issues and concerns that are unlikely to disappear in the near future. When issues such as high levels of consumer debt, financial illiteracy, and suboptimal financial management skills are coupled with the vulnerability to economic fluctuations and persistently low savings levels observed in the U.S., individuals may be rendered less capable of weathering even modest income and expense shocks and may face substantial financial distress over the course of their lives. Consumer credit counseling agencies offer a means of addressing the harms and risks caused by these economic realities.

ISBN: 9781369370782Subjects--Topical Terms:

183252
Finance.

Credit Counseling, Financial Coaching, and Client Outcomes: An Examination of Program Impacts and Implementation Dynamics.
LDR:04577nmm a2200361 4500 001 502186
005 20170619070735.5
008 170818s2016 ||||||||||||||||| ||eng d
020 $a 9781369370782
035 $a (MiAaPQ)AAI10294676
035 $a AAI10294676
040 $a MiAaPQ $c MiAaPQ
100 1 $a Roll, Stephen Patrick. $3 766258
245 1 0 $a Credit Counseling, Financial Coaching, and Client Outcomes: An Examination of Program Impacts and Implementation Dynamics.
260 $a Ann Arbor : $b ProQuest Dissertations & Theses, $c 2016
300 $a 262 p.
500 $a Source: Dissertation Abstracts International, Volume: 78-04(E), Section: A.
500 $a Adviser: Stephanie Moulton.
502 $a Thesis (Ph.D.)--The Ohio State University, 2016.
520 $a Consumers in the United States are beset by a number of serious financial issues and concerns that are unlikely to disappear in the near future. When issues such as high levels of consumer debt, financial illiteracy, and suboptimal financial management skills are coupled with the vulnerability to economic fluctuations and persistently low savings levels observed in the U.S., individuals may be rendered less capable of weathering even modest income and expense shocks and may face substantial financial distress over the course of their lives. Consumer credit counseling agencies offer a means of addressing the harms and risks caused by these economic realities.
520 $a Given the reach of counseling initiatives, which serve millions of people a year, there is a distinct need for rigorous assessments of credit counseling(apostrophe)s potential impact on client outcomes. Understanding the impact of these services helps validate credit counseling(apostrophe)s potential as a lever for policymakers to employ in addressing the consumer financial issues associated with both economic shocks and longer-term trends in consumer behaviors.
520 $a This dissertation focuses on two interventions housed within consumer credit counseling agencies: A credit counseling program and a financial coaching program. After outlining a conceptual framework through which the potential impacts of credit counseling may be understood, this dissertation empirically explores a nationwide credit counseling initiative and outlines a profile of counseling clients. To measure the impacts of this credit counseling program relative to the counterfactual, this dissertation estimates a series of differences-in-differences models to track outcomes for over 6,000 counseling clients relative to a matched non-counseled comparison group. The key finding of this analysis is that counseling clients reduce both revolving debt and total debt relative to the comparison group and these reductions hold when controlling for debt write-offs and debt management plan participation.
520 $a This dissertation then narrows its focus to examine the impact that frontline implementation dynamics have on the outcome of an experimental financial coaching program. The analysis first demonstrates that both program outputs and target group outcomes vary by the frontline worker. It explores the sources of this variation and finds that these differences are associated with differing approaches to client engagement and different levels of worker engagement with the program itself. Specifically, the analysis finds that workers who are capable of successfully engaging clients are significantly more capable of driving program enrollment, while workers who are more engaged with the program(apostrophe)s change processes are significantly more capable of driving improved client outcomes.
520 $a These analyses show not only that credit counseling can drive improvements in client financial outcomes but that understanding how programs are delivered also matters in assessing outcomes. In doing so, this dissertation contributes to the broad general literature on consumer financial policies and programs and to the limited literatures on credit counseling and financial coaching, as well as both the theoretically- and empirically-oriented literatures on social service implementation in the fields of public policy and management. Further, it contributes to the emerging research on the use of behavioral economics to understand and address issues in public policy.
590 $a School code: 0168.
650 4 $a Finance. $3 183252
650 4 $a Public policy. $3 280699
650 4 $a Public administration. $3 175462
650 4 $a Individual & family studies. $3 708541
690 $a 0508
690 $a 0630
690 $a 0617
690 $a 0628
710 2 $a The Ohio State University. $b Public Policy and Management. $3 766259
773 0 $t Dissertation Abstracts International $g 78-04A(E).
790 $a 0168
791 $a Ph.D.
792 $a 2016
793 $a English
856 4 0 $u http://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=10294676