[雙語(yǔ)翻譯]財(cái)務(wù)外文翻譯--個(gè)人財(cái)務(wù)問(wèn)題--社會(huì)工作干預(yù)的機(jī)會(huì)？

1、4200 英文單詞， 英文單詞，2.4 萬(wàn)英文字符，中文 萬(wàn)英文字符，中文 7500 字文獻(xiàn)出處： 文獻(xiàn)出處：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):

2、342-350.Personal Financial Problems: Opportunities for Social Work Interventions?Mathieu R. Despard;Gina A. N. Chowa; Lauren J. HartABSTRACT Social workers have opportunities to help clients address their financial probl

3、ems 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 of social workers and other human service pr

4、ofessionals (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

5、said they faced workplace barriers to 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

6、 should recognize that financial problems stem not just from difficulties in managing money, but in the need for increased income, resources, and assets and an understanding of financial services. Future research with a

7、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 financial well-being.KEYWOR

8、DS：Financial problems, financial education, financial counseling, financial capabilitySocial workers are well positioned to help individuals and families address their financial problems (Sherraden, Laux, b) interest in

9、 the certification; c) personal and household finance characteristics, attitudes, and behaviors; d) efforts to help clients address financial problems; and e) participant demographic and professional characteristics. Thi

10、s survey was created by the authors because no standardized survey instrument existed at the time of the study that asked questions related to social workers’ efforts to address clients’ financial problems.This study foc

11、used on two open-ended questions in the survey and on closed-ended questions about demographic and professional characteristics. The open-ended questions were: “What are the financial concerns for which your clients most

12、 frequently seek your help?” and “How would you describe how you try to help clients with their financial concerns?” The closed-ended questions concerned participants’ demographic characteristics and their field of pract

13、ice, the type of organization in which they were employed, the type of job they performed, and workplace experiences in helping clients with their financial concerns.ProcedureQualitative methods were used with responses

14、to the two open-ended survey questions concerning the financial concerns of clients and how participants said that they helped clients. Two of the study authors coded responses to these questions, including a social work

15、 doctoral student who had experience related to financial social work and a graduate student research assistant. Each author made lists of response themes, which were combined based on over- lapping themes to create a se

16、t of codes. Each researcher then coded responses independently. The authors reached full coding agreement on 64% of the responses to the question about the financial problems of clients. However, coding agreement was muc

17、h lower—only 39% full and 33% partial agreement—concerning responses to the question about how respondents said they help clients with their financial problems. We feel that full coding agreement was more difficult to r