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Full-Text Articles in Social Work
Income Vs. Race Effects In Refund Anticipation Loan Utilization, Richard J. Smith
Income Vs. Race Effects In Refund Anticipation Loan Utilization, Richard J. Smith
Social Work Faculty Publications
This purpose of this paper is to illustrate how data can target outreach for social and economic justice by testing for an association between refund anticipation loan (RAL) utilization and a Zip code’s racial and income characteristics. RALs are rapid tax refunds marketed by tax preparers.
Structural Reinterpretation Of Poverty By Examining Working Poverty: Implications For Community And Policy Practice, Philip Young P. Hong, Stephen Wernet
Structural Reinterpretation Of Poverty By Examining Working Poverty: Implications For Community And Policy Practice, Philip Young P. Hong, Stephen Wernet
Social Work: School of Social Work Faculty Publications and Other Works
This exploratory research focused on the structural context of working poverty, thereby transcending its individual or behavioral aspects. Two major questions guided this study: (1) How are the working poor different compared to the working nonpoor? (2) How do structural conditions affect the chances of one being working poor? Central findings of the study were that four primary sets of factors—demographic, human capital, employment barriers, and labor market positions—contribute to an individual's likelihood of being among the working poor. The structural factors—employment barriers and labor market positions—significantly contributed to the effects of human capital and demographic variables. All four factors …