Communities Respond to Predatory Lending

Caplan, Mary

doi:10.1093/sw/swu008

Cited by 21 publications

(14 citation statements)

References 9 publications

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“…Indeed, clinicians may need to be sensitive to – and collectively advocate against – structuralized social inequities that contribute to the perpetuation of poverty and financial loss, despite clients’ best efforts to improve their financial circumstances (Manseau, 2014). At the individual level, discussion of these broader societal forces may help reduce clients’ inappropriate attribution of economic difficulties to personal failure (Harper and Rowe, 2014), and may stimulate initiative for community advocacy against economic marginalization (Caplan, 2014b). Clinicians may also need to overcome their own anxieties or cultural prohibitions against discussing money, in order to fully explore the role that financial issues play in the lives of their clients – beyond any assumptions made regarding the client’s income and financial competence (Trachtman, 2011).…”

Section: Discussionmentioning

confidence: 99%

Financial concerns and symptom distress among psychiatric outpatients

Kealy

Spidel

Sandhu

et al. 2018

JPMH

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Purpose While epidemiological studies have linked economic hardship and financial difficulties with psychological distress and suicide, investigation of financial concerns among users of public mental health services has been limited. Moreover, empirical data regarding a relationship between financial difficulties and mental health symptoms are lacking. The purpose of this paper is to examine the prevalence of financial difficulties among patients attending community mental health clinics, and to examine the relationship between such difficulties and psychological distress and suicidality. Design/methodology/approach Participants attending three community mental health clinics in British Columbia, Canada provided demographic information, including annual income, and completed brief measures of personal financial management, psychological distress and suicidal behavior. Findings Although more than half of participants reported good-to-excellent ability to pay their bills on time, nearly half indicated poor long-range saving and financial planning. Lower annual income was directly related to suicidality. Financial management difficulties were associated with psychological distress, and were significantly related to suicidality after controlling for the effects of income and psychological distress. Originality/value The findings highlight the need for attention to distress and suicidality as potential sequelae of financial management difficulties, and carry implications for further research, clinical intervention and social policy. The findings confirm the need to address financial needs and money management abilities among users of public mental health services.

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Section: Discussionmentioning

confidence: 99%

Financial concerns and symptom distress among psychiatric outpatients

Kealy

Spidel

Sandhu

et al. 2018

JPMH

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“…However, there are different understandings of the ways in which AFS and "financial access" relate to each other. For example, despite the trend that seeks to define financially excluded people as those turning to AFS (see Islam and Simpson, 2018;Koku and Jagpal, 2015;Caplan, 2014), Birkenmaier and Fu (2018) assert that financial access and AFS use are not the inverse of one another, but two separate weakly and positively correlated concepts. The results of this work illustrate the complex relationship between these terms.…”

Section: Afs and Predatory Lending One Last Chance For Excluded People?mentioning

confidence: 99%

Systematized literature review on financial inclusion and exclusion in developed countries

Fernández–Olit

Martín

González

2019

IJBM

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Purpose The purpose of this paper is to provide a systematic literature review of the research published on financial inclusion (FI) and financial exclusion (FE) in developed countries using key terms and strict inclusion and exclusion criteria. Design/methodology/approach In total, 52 papers were deemed to be relevant to the analysis. These works were critiqued using a framework that addressed geographical contexts, topics, methodologies and theoretical frameworks. Findings This review highlights the uneven level of development of the academic debate between North America, the UK and continental Europe, and identifies the different theoretical frameworks that construe the body of literature in each region. In addition, the findings show the scant offer of work on the impact that the digital economy has on FE, as well as the reduced number of studies which have focused on certain vulnerable groups and the access to some financial services. Social implications The studies reviewed have not analyzed the specific needs of vulnerable groups while considering the different contexts and pathways to exclusion. The evaluation of solutions and strategies to achieve inclusion is one of the least addressed aspects in the literature. Originality/value The paper synthesizes the main contributions of the top literature on the redefinition of FI/FE in developed countries, the role of fringe services and new determinants of exclusion. The proliferation of studies regarding FI in low- and middle-income countries has generated a great amount of meta-analysis and systematized reviews of asymmetric results. However, no systematized literature review on the broad scope of FI/FE in developed countries has been published in the last decade. This work sheds light over poorly analyzed areas of research that refer to notable social problems.

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“…At the same time, this study was conducted using open source material, without the co-operation of the agency involved, and the study noted the lack of detail about the programme essential to public accountability. Ager Caplan’s (2014) description of community-based victim support programs and a litigation case also was extremely short on detail and, overall, she emphasised that there was a lack of evidence of success in these programs.…”

Section: Discussionmentioning

confidence: 99%

“…Khattri and Kumar Singh, 2018). Ager Caplan’s (2014) account of a community-based group assisting potential victims to avoid predatory lending also involved “extending guardianship”. The additional idea in her study of ameliorating losses to victims through financial redress from offenders could be partially categorised in situational terms as “reducing rewards”.…”

Section: Discussionmentioning

confidence: 99%

What works in fraud prevention: a review of real-world intervention projects

Prenzler

2019

JCRPP

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Purpose The purpose of this paper is to report on a search of criminology and related databases to identify fraud prevention intervention projects that showed promising achievements in reducing offences. Design/methodology/approach A keyword search of Criminal Justice Abstracts was supplemented by searches of related databases and case study repositories – conducted up to 31 May 2019. The paper includes some attention to indicators of “what doesn’t work” as well as “what might work” or “what should work”. Selection criteria were open about evidence, rather than exclusively applying strict scientific standards. Findings Overall, the literature is marked by inferences regarding what should work, based on diagnostics about opportunity factors in fraud and victim characteristics. In terms of evaluated intervention projects, only two were identified that met best practice scientific standards. However, a further 17 projects were included where there was some evidence of a likely benefit. Research limitations/implications Available evaluations of intervention projects are predominantly within-in group studies. Pre- and post-intervention time frames are often short, limited to one year or less; with only one follow-up study. Practical implications The findings demonstrate the need for applied experiments to build knowledge about effective fraud reduction strategies. The main lesson from the content of the 19 projects concerns the value of a situational crime prevention framework for designing and testing interventions, especially through enhancing rule setting, reducing anonymity, extending guardianship and formal surveillance, and facilitating compliance. Originality/value This appears to be the first systematic literature review of applied counter-fraud intervention projects.

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Communities Respond to Predatory Lending

Cited by 21 publications

References 9 publications

Financial concerns and symptom distress among psychiatric outpatients

Financial concerns and symptom distress among psychiatric outpatients

Systematized literature review on financial inclusion and exclusion in developed countries

What works in fraud prevention: a review of real-world intervention projects

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