Financial difficulties Not Applicable
Conditions
Interventions
The social work clients in each participating municipality or municipal federation are assigned randomly at a ratio of 1:1 to either the intervention group or the control group.
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Sponsors
University of Turku
Eligibility
Sex/Gender
All
Inclusion criteria
Inclusion criteria: Clients of social services living in the participating municipalities or municipal federations who have experienced at least one of the following financial difficulties in the past 6 months: 1. Difficulty in paying bills or debts or covering housing costs on time 2. Difficulty in meeting basic needs (e.g., food, medicine, or clothing) 3. Experiencing a lack of financial management knowledge or skills 4. Feelings of financial anxiety or stress In addition, the clients must have an underage child or children. The clients participating in the study may live in either a two-parent or a single-parent household. In a two-parent household, only one parent may participate in the study. In the case of shared care, the child must reside equally with both parents.
Exclusion criteria
Exclusion criteria: 1. Any acute crisis in the family which prevents participation in the study (e.g., serious illness or parental divorce) 2. Child protection services are currently involved 3. A criminal investigation involving a member of the family 4. Parents neither speak nor write Finnish (all materials are currently only available in Finnish)
Design outcomes
Primary
| Measure | Time frame |
|---|---|
| Financial literacy measured with the Financial Literacy questionnaire (OECD INFE, 2011) at baseline, post-intervention and 3-month follow-up | — |
Secondary
| Measure | Time frame |
|---|---|
| 1. Economic self-efficacy measured with Economic Self-Efficacy scale at baseline, post-intervention and 3-month follow-up 2. Financial anxiety of parents measured with Financial Anxiety Scale (FAS) at baseline, post-intervention and 3-month follow-up | — |
Countries
Finland
Outcome results
None listed