Graduate Thesis Or Dissertation
 

An integrated approach to financial crisis management: a study of social, family, and personal resources unique to individuals in a financial crisis situation

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https://ir.library.oregonstate.edu/concern/graduate_thesis_or_dissertations/th83m283c

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  • This study assessed social, family, and personal resources available to individuals in a financial crisis situation utilizing mailed questionnaires. The sample consisted of 74 subjects in two groups: (1) individuals in a financial crisis situation, identified by their participation in a Consumer Credit Counseling Service program and referred to in this study as the "counseling group" (47 subjects) and (2) a comparison group of individuals who were not receiving any type of financial counseling and referred to as the "non-counseling" group (27 subjects) in this study. Resources were measured by two instruments: Family Inventory of Resources for Management (FIRM) and Family Adaptability and Cohesion Evaluation Scales (FACES II). Between-group and within-group analyses were conducted utilizing two-way analysis of variance tests, tests of significance of proportions, cross-tabulations, and t tests. Graphic analyses included scattergrams, Circumplex Model representation, and Hill's (1949) Roller Coaster Course of Adjustment Model representation. Findings obtained indicated that both the counseling and non-counseling groups had "moderate" levels of resources as measured by FIRM. Significant differences were found for the subscales of Financial Well-Being (FWB) and Sources of financial Support (SFS) in which the counseling group scored significantly lower than the non-counseling group. Interaction effects of sex X group were also found to be significant for the SFS subscale indicating that both sex and group representation contribute to the difference in scores. Two of the FIRM scores approached significance: Family Strengths of Mastery and Health (RS) and total FIRM score, suggesting the need for additional attention in future research. When cohesion and adaptability scores were plotted on the Circumplex Model, differences approached significance indicating that fewer of the subjects in the counseling group (36%) were in the "balanced" region of the model than were the subjects in the non-counseling group (52%). In relation to Hill's (1949) model, 50% of the men and women in the counseling group reported that they were in a financial crisis and 50% reported that they were not in a financial crisis. Within-group analyses comparing these two groups revealed significant differences in the subscale of FWB in which those reporting a financial crisis scored significantly lower than those not reporting a financial crisis.
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file details BrandtErichsenJoan1983.pdf 2017-08-23 Público Descargar