1、4200 英文单词， 2.4 万英文字符 ， 中文 7500 字 文献出处： Despard M R , Chowa G A N , Hart L J . Personal Financial Problems: Opportunities for Social Work Interventions?J. Journal of Social Service Research, 2012, 38(3):342-350. Personal Financial Problems: Opportunities for Social Work Interventions? Mathieu R. Desp
2、ard;Gina A. N. Chowa; Lauren J. Hart ABSTRACT Social workers have opportunities to help clients address their financial problems through a variety of practice settings, yet little is known about how they do so. Using qualitative methods and descriptive statistics, we analyzed responses from a survey
3、 of social workers and other human service professionals (N = 56). Participants primarily characterized their clients financial problems as the result of making poor financial decisions and mostly used financial education techniques in response. Most participants said they faced workplace barriers t
4、o helping their clients with financial problems, including lack of expertise and time and inability to bill for services. Social workers who want to address clients financial problems should recognize that financial problems stem not just from difficulties in managing money, but in the need for incr
5、eased income, resources, and assets and an understanding of financial services. Future research with a larger sample of social workers is needed to assess how intervention methods vary by client population and to conduct pilot efficacy evaluations of well-conceptualized interventions to promote fina
6、ncial well-being. KEYWORDS： Financial problems, financial education, financial counseling, financial capability Social workers are well positioned to help individuals and families address their financial problems (Sherraden, Laux, & Kaufman, 2007), such as how to use credit and manage debt (Birkenmaier & Curley, 2009), and claim important public benefits like the earned income tax credit (Beverly, 2002). Social work students see the relevance of financial literacy to problems like marital
