Recovery Finance: Financial health and mental health after incarceration

康复财务：监禁后的财务健康和心理健康

• 批准号: 10608577
• 负责人: Chyrell Denise Bellamy
• 金额: $ 41.88万
• 依托单位: YALE UNIVERSITY
• 依托单位国家: 美国
• 财政年份: 2022
• 资助国家: 美国
• 起止时间: 2022-09-22 至 2026-05-31
• 项目状态: 未结题
• 来源: https://reporter.nih.gov/project-details/10608577
• 关键词: Address; Affect; Attention; Attitude; Behavior; Black race; Collaborations; Communities; Criminal Justice; Data; Discrimination; Employment; Environment; Exclusion; Feeling; Financial Hardship; Goals; Health; Health Services Accessibility; Health Status; Housing; Imprisonment; Incidence; Income; Individual; Institution; Intervention; Jail; Justice; Knowledge; Latinx; Laws; Legal; Link; Low income; Measures; Mediating; Mediator of activation protein; Mental Health; Mental disorders; Methods; Occupational activity of managing finances; Outcome; Participant; Pathway interactions; Personal Satisfaction; Persons; Policies; Population; Poverty; Provider; Randomized; Recording of previous events; Recovery; Research; Research Methodology; Resources; Savings; Self Efficacy; Services; Social Network; Social support; Testing; Training; Work; base; community based participatory research; community reentry; disability; empowerment; experience; improved; innovation; peer support; primary outcome; programs; racism; recidivism; secondary outcome; service providers; skills; social stress; tool

Project Summary People who experience incarceration and have mental health challenges are disproportionately Black and Latinx, and low-income. This group experiences disproportionate financial hardship regardless of incarceration due to racism and other forms of discrimination, with associated negative health outcomes. If incarcerated, financial hardship worsens, creating barriers to community reentry. Support is provided to help people with income from employment and/or disability benefits, but less attention is paid to aspects of finances including problem debt, poor credit, and barriers accessing banking institutions. These financial issues have a direct impact on health, create barriers to employment and housing, stress social networks, contribute to feelings of exclusion and contribute to recidivism, all of which are health determinants. Financial capability programs including one-on-one coaching and access to safe and affordable financial products can improve low-income people's financial well-being and mental health, especially when they integrate into existing services, and partner to work towards reform of laws and policies to address upstream causes of financial difficulties. This project's goal is to intervene at the community level to reduce financial difficulties of individuals with incarceration histories and mental health challenges, who are predominantly Black and Latinx. We will use Community Based Participatory Research (CBPR) methods to achieve the following specific aim: 1) Change community level determinants that impact financial well-being and health of the target group by training existing service provider including: i) community-based financial capability providers to be able to address financial difficulties of the target group; ii) service providers along the criminal justice pathway to be able to provide basic financial guidance to target group; iii) financial institution staff to reduce discrimination related to financial consequences of justice-involvement and mental illness. We will also support community collaborations working for legal/policy reform that impacts finances of target group. 2) Use mixed methods to assess impact on community determinants, measuring integration of financial capability support into existing services, ability of financial coaches to support target group, access to financial products, attitudes, knowledge and behavior of bank staff, strength of community collaborations, and progress towards changes in laws and policies. We will assess impact on individuals by measuring target mechanisms (financial skills, self-efficacy and behavior) hypothesized to mediate the relationship between financial capability support and primary outcomes including financial well-being and other health determinants (employment, housing, social support, mental health supports, and belonging), secondary outcomes (health and recidivism) and mediators between primary and secondary outcomes (hope, empowerment, and mastery). 3) Assess the value of integrating peer support into community-based financial capability support for the target group by randomizing participants into two groups, financial capability support only, or financial capability support plus peer support.

项目概要 经历过监禁并有心理健康问题的人中黑人和 拉丁裔和低收入群体。无论是否被监禁，该群体都经历着不成比例的经济困难 由于种族主义和其他形式的歧视，以及相关的负面健康后果。如果被监禁， 经济困难加剧，为重返社区造成障碍。提供支持来帮助有以下情况的人 来自就业和/或残疾福利的收入，但较少关注财务方面，包括 问题债务、不良信用以及进入银行机构的障碍。这些财务问题有直接的影响 影响健康、造成就业和住房障碍、对社交网络造成压力、助长情感 排斥并助长累犯，所有这些都是健康决定因素。财务能力计划 包括一对一辅导和获得安全且负担得起的金融产品可以改善低收入 人们的财务福祉和心理健康，特别是当它们融入现有服务时，以及 合作伙伴致力于法律和政策改革，解决金融困难的上游原因。 该项目的目标是在社区层面进行干预，以减少个人的财务困难 有监禁史和心理健康问题的人，主要是黑人和拉丁裔。我们将使用 基于社区的参与式研究 (CBPR) 方法可实现以下具体目标： 1) 变革 通过培训现有人员，影响目标群体的财务状况和健康的社区层面决定因素 服务提供商包括： i) 基于社区的金融能力提供商，能够解决金融问题 目标群体的困难； ii) 刑事司法途径的服务提供者能够提供 对目标群体的基本财务指导； iii) 金融机构工作人员减少与金融相关的歧视 正义介入和精神疾病的后果。我们还将支持社区合作 致力于影响目标群体财务的法律/政策改革。 2）使用混合方法评估影响 关于社区决定因素，衡量财务能力支持与现有服务、能力的整合 支持目标群体的金融教练、获得金融产品的机会、态度、知识和行为 银行工作人员、社区合作的力度以及法律和政策变革的进展。我们将 通过衡量目标机制（财务技能、自我效能和行为）来评估对个人的影响 假设调解财务能力支持与主要结果之间的关系，包括 财务状况和其他健康决定因素（就业、住房、社会支持、心理健康 支持和归属感）、次要结果（健康和累犯）以及主要结果和累犯之间的中介因素 次要成果（希望、赋权和掌握）。 3) 评估将同伴支持纳入其中的价值 通过将参与者随机分为两组，为目标群体提供基于社区的财务能力支持， 仅财务能力支持，或财务能力支持加上同行支持。