Open Access. Powered by Scholars. Published by Universities.®
Adult and Continuing Education Commons™
Open Access. Powered by Scholars. Published by Universities.®
- Institution
-
- Illinois State University (137)
- Morehead State University (124)
- Southwestern Oklahoma State University (55)
- Southern Illinois University Carbondale (33)
- Winona State University (31)
-
- Bank Street College of Education (30)
- Nova Southeastern University (27)
- University of South Alabama (23)
- Lesley University (22)
- City University of New York (CUNY) (20)
- Marshall University (19)
- Georgia Southern University (14)
- SIT Graduate Institute/SIT Study Abroad (14)
- Technological University Dublin (14)
- University of Northern Iowa (14)
- University of Nebraska - Lincoln (13)
- Embry-Riddle Aeronautical University (12)
- Kennesaw State University (12)
- National Louis University (11)
- University of Denver (11)
- University of South Florida (10)
- The University of San Francisco (9)
- Extension Journal Inc (8)
- Walden University (8)
- Abilene Christian University (7)
- Bowling Green State University (7)
- Minnesota State University Moorhead (7)
- Oral Roberts University (7)
- The University of Southern Mississippi (7)
- University of San Diego (7)
- Keyword
-
- SIEC Historical Documents (82)
- Creativity (58)
- DaVinci Institute (54)
- Oklahoma (54)
- Think tank (54)
-
- Education (44)
- Teaching (28)
- Higher education (27)
- Pedagogy (21)
- Continuing education (14)
- Higher Education (14)
- Online learning (14)
- Professional development (14)
- Curriculum and Instruction (13)
- Editorial Board (13)
- Leadership (13)
- Adult Education (12)
- Economics (12)
- Collaboration (11)
- ESL (11)
- Economics of Education (11)
- Education Funding (11)
- Finance (11)
- Funding (11)
- Teacher Preparation (11)
- Teacher Residencies (11)
- Technology (11)
- Experiential learning (10)
- Learning (10)
- Literacy (10)
- Publication Year
- Publication
-
- International Journal for Business Education (136)
- Appalachian Adult Basic Education Demonstration Center Archives (124)
- Minutes and Agendas (54)
- Artizein: Arts and Teaching Journal (31)
- Dissertations (29)
-
- The Journal of Advancing Education Practice (26)
- All Faculty and Staff Papers and Presentations (25)
- ECTESOL Review (20)
- Electronic Theses and Dissertations (20)
- Journal of Pedagogy, Pluralism, and Practice (17)
- Graduate Research Papers (14)
- Abraham S. Fischler College of Education and School of Criminal Justice College Archive (12)
- Theses, Dissertations and Capstones (12)
- Capstone Collection (11)
- Georgia Journal of Literacy (8)
- Journal of Extension (8)
- The Qualitative Report (8)
- Adultspan Journal (7)
- Master's Projects and Capstones (7)
- Publications and Research (7)
- Articles (6)
- Dissertations, Theses, and Capstone Projects (6)
- Recipes (6)
- Theses and Dissertations (6)
- All Graduate Projects (5)
- Antioch University Dissertations & Theses (5)
- Department of Teaching, Learning, and Teacher Education: Theses and Other Student Research (5)
- Georgia International Conference on Information Literacy (5)
- Graduate Theses and Dissertations (5)
- Higher Learning Research Communications (5)
- Publication Type
- File Type
Articles 391 - 420 of 995
Full-Text Articles in Adult and Continuing Education
Effects Of Creative Video Games On Creativity, Haiqal Sazalli, Sharil Sungkono, Mohammed Rashaun, Khalis Muzakir
Effects Of Creative Video Games On Creativity, Haiqal Sazalli, Sharil Sungkono, Mohammed Rashaun, Khalis Muzakir
Introduction to Research Methods RSCH 202
The purpose of this research is to find the effects of creative games on the Creativity Quotient of human beings. Assessing creativity is based on divergent thinking consisting of fluency, originality and uniqueness in thinking methods. The theoretical framework assesses the creative thinking of candidates through a 4-week gaming programme consists of a pre-and post-assessment of the Creativity Quotient Test which consists of 10 critical thinking questions. These questions will test the fluency, originality and uniqueness of the candidates. To provide a fair result, the same questions will be used for the pre-and post-assessment. Results will prove that games are …
The Relationship Between Career And Technical Education Enrollment And College And Career Readiness Outcomes, Daniel Soliz Jr.
The Relationship Between Career And Technical Education Enrollment And College And Career Readiness Outcomes, Daniel Soliz Jr.
Electronic Theses and Dissertations
College and career readiness for K-12 students has become a priority of legislatures and educational leaders in the United States. In recent years, Texas public school leaders have emphasized the importance of maximizing the percentage of College, Career and Military Ready (CCMR) graduates. The specific problem studied was that a low percentage of students in Texas, in comparison to the state’s graduation rate, graduate with a CCMR distinction. Career and Technical Education (CTE), a component of K-12 education, can assist school leaders in maximizing college and career readiness for students. However, it was not clear how within schools, CTE enrollment …
Leading Organizational Learning, Jessica C. Wells
Leading Organizational Learning, Jessica C. Wells
HCA Healthcare Journal of Medicine
Leadership is hard to define but easy to recognize and is found in every facet of life. Leaders themselves range from good to bad, the extremities of which are determined by their character, actions, perception of self, how they are perceived by others and their worldviews. An individual’s values provide the basis for ethical decisions, which makes self-awareness a critical element in the development of one’s leader identity. This article provides an overview of leader identity development and offers ways for leaders to apply ethics in their everyday lives.
Corequisite Mathematics: A Program Analysis At The College Level, Shannon Miller-Mace
Corequisite Mathematics: A Program Analysis At The College Level, Shannon Miller-Mace
Theses, Dissertations and Capstones
Many incoming college freshmen who do not meet minimum standardized exam cut-score requirements are often determined to be not ready for college-level coursework and registered for pre-requisite, multi-semester, remedial course sequences. The goal of pre-requisite courses is to prepare students for college-level courses prior to enrollment in college-level classes. However, based on multiple studies, traditional, pre-requisite developmental education has become a barrier to student success. In contrast, the co-requisite instructional model enrolls students into their college-level, credit-bearing course in their first semester on a college campus, improving the likelihood of success in those courses and beyond. The purpose of this …
Seik: Sustainable Event Industry Knowledge, Creating Oers For Event Management Students, Samantha Morris
Seik: Sustainable Event Industry Knowledge, Creating Oers For Event Management Students, Samantha Morris
Case Studies
Presentation describing the Sustainable Events Industry Knowledge project funded by TU Dublin Impact, National Forum of Teaching and Learning and the Higher Education Authority. Presented at the EdTech 2021 Conference hosted by The Irish Learning Technology Association.
Letter From The Editor, Shannon Tovey
Letter From The Editor, Shannon Tovey
Georgia Journal of Literacy
Editorial by Shannon Tovey, Editor-in-Chief
Improving Health Science Faculty's Comprehension Of Test Item-Analysis, Tunisia Love
Improving Health Science Faculty's Comprehension Of Test Item-Analysis, Tunisia Love
Regis University Student Publications (comprehensive collection)
Background: Differences in testing can lead to student frustration and questionable evaluation of student learning. Inconsistency in testing practices include differing levels of Bloom’s taxonomy, Faculty-written items versus publisher test bank items, and variations in grading. Failure to provide quality student learning assessment and evaluation tools and methods can negatively impact both student and program outcomes. Performing analysis of test items can improve quality of and consistency in evaluation of student learning.
Objective/Purpose of the Project: This quality improvement DNP project investigated the impact of an educational intervention on multiple choice question (MCQ) test-item analysis on the Health …
Can Backward-Chained, Ab-Initio Pilot Training Decrease Time To First Solo?, Samuel M. Vance, Kat Gardner-Vandy, Jared Alan Freihoefer
Can Backward-Chained, Ab-Initio Pilot Training Decrease Time To First Solo?, Samuel M. Vance, Kat Gardner-Vandy, Jared Alan Freihoefer
Journal of Aviation/Aerospace Education & Research
Flight simulation has made progressively significant inroads into pilot training at all levels of a pilot’s career – typically starting with training for the Instrument rating in light aircraft and concluding with Type Certification in transport category jetliners. This research was designed to explore if significant training inroads could also be offered to ab-initio pilots, those with no prior flight experience. An experimental group of four pilot trainees, without prior flight experience, were exposed to flight in a backwards-chained simulation starting from 4’ AGL (Above Ground Level). Graduated, exponential increments of both altitude and distance from landing were successively added …
Embedding Anti-Racism In The Community Development And Youth Work Programme (Cdyw) 2020/2021, Brid Ni Chonaill, Mairead Cluskey, Georgina Lawlor, Liam Mcglynn, Sheila Coyle, Garreth Smith, Noirin Macnamara
Embedding Anti-Racism In The Community Development And Youth Work Programme (Cdyw) 2020/2021, Brid Ni Chonaill, Mairead Cluskey, Georgina Lawlor, Liam Mcglynn, Sheila Coyle, Garreth Smith, Noirin Macnamara
Case Studies
The overall aim of the Le Chéile journey of the Community Development and Youth Work programme team was to embed anti-racism in the teaching, learning and assessment of the programme. Changes were introduced to modules in terms of new content, students were exposed to different perspectives and voices, and new workshops were designed for placement preparation around identifying and responding to racism. With regard to assessment, case studies were used to develop responses to the lived experiences of racism in community development, youth work and higher education settings. Lecturing staff increased their racial literacy through participation in anti-racism training and …
Program Evaluation Of The J-1 Visa Teacher Exchange Program From The Perspective Of Exchange Teachers Within A Rural School District, Gradesa Lockhart
Program Evaluation Of The J-1 Visa Teacher Exchange Program From The Perspective Of Exchange Teachers Within A Rural School District, Gradesa Lockhart
Doctor of Education Dissertations
Teacher shortages have had a significant impact on student learning outcomes in a time of immense testing accountability; yet, the way rural school districts handle the teacher shortage varies, from policies to incentive pay, to the use of international teachers. International teachers have become a significant resource for some rural districts to address teacher shortages. This study focused on the lived experiences of a subset of international teachers who are working in United States schools via the Exchange Visitor Program (EVP). The findings of the study authenticated the purpose of the Fulbright-Hays Act of 1946, more commonly known as the …
Assessing An Academic Readiness Model In A Community College Occupational Program, Scott A. Hauert, Robert L. Moore, Quinton Nottingham
Assessing An Academic Readiness Model In A Community College Occupational Program, Scott A. Hauert, Robert L. Moore, Quinton Nottingham
STEMPS Faculty Publications
This study assessed a localized academic readiness model that measures academic skills relevant to an occupational program and the institutional context. Enrollment in the program’s mandatory gateway course is contingent upon establishing academic readiness either: (1) possess an associate-level or higher degree; (2) achieve placement test scores that permit enrollment in college-level English composition/critical reading; or (3) complete developmental education prerequisites to permit enrollment in college-level English composition/critical reading. Using the gateway course performance for 112 students, the study explored whether any of the model’s criterions are significantly related to success in the gateway course and whether there is any …
The Role Of Math Anxiety And Math Self-Efficacy Levels On High School Equivalency Student Math Performance, Barbara A. Clarke
The Role Of Math Anxiety And Math Self-Efficacy Levels On High School Equivalency Student Math Performance, Barbara A. Clarke
Doctor of Education Dissertations
One of the most predominant measures of a community’s appeal is the high school graduation rate. National “best places to live” ratings utilize educational statistics to rank the quality of life in a community (Morse & Brooks, 2020). Additionally, an individual’s future prospects depend on a high school credential (HSC) as the minimum needed for postsecondary academics or gainful employment. One hindrance high school equivalency (HSE) students encounter is the inability to perform math sufficiently to earn an HSC due to the affective state of math anxiety and reduced math self-efficacy, particularly under pressure on tests/assessments. This quantitative study, using …
Design Science Research – Alternative Pathway For Aviation Training-Related Studies, Guilherme A. Da Silveira, Éder Henriqson
Design Science Research – Alternative Pathway For Aviation Training-Related Studies, Guilherme A. Da Silveira, Éder Henriqson
Journal of Aviation/Aerospace Education & Research
Relevance is a permanent requirement of academic research, which means it is worth discussing methods and paradigms that provide the most useful outcomes to the most relevant problems, while maintaining rigor and criteria at a high level. The class of problems associated with aviation [pilot] training-related studies demands pragmatic solutions that are not always conspicuous from traditional qualitative or quantitative methods akin to the natural sciences. Hence, an interface between the natural and the artificial is required. The purpose of this theoretical essay is to review design science research (DSR) methodology, considering its applicability to aviation [pilot] training problems, thus, …
Prologue, Barbara D. Holmes
Prologue, Barbara D. Holmes
The Journal of Advancing Education Practice
This edition focuses on the need to support graduate student writers in the process of developing academic identity. Graduate students benefit from encouragement to write more and to have reliable outlets for the publication of that writing. The editorial staff of JAEP is committed to creating student-friendly, intentional, targeted support for advanced graduate writers.
Black Women Leaders In Municipal Government: Leading With Ability, Agility, And Authenticity, Chao Mwatela
Black Women Leaders In Municipal Government: Leading With Ability, Agility, And Authenticity, Chao Mwatela
The Journal of Advancing Education Practice
This research study explored skills and competencies that Black women need to achieve upward mobility into leadership roles in municipal government in the United States (US). The study also reveals how Black women navigate the intersection of race and gender in upward mobility. Three Black women in leadership roles in municipal government during the fall semester of 2021 participated in the study. Feminist leadership theory for social transformation and the theory of intersectionality supported this study. Responses provided insights into abilities needed for upward mobility, strategies Black women use to address the intersection of race and gender in upward mobility, …
Virtual Empowerment: The Exploration Of Leadership Aspirations Of Young Nepali Girls Using Virtual Participatory Action Research, Sara Safari
Antioch University Dissertations & Theses
Adolescent girls in developing countries, especially those from impoverished backgrounds, face many challenges, such as cultural preference for sons, child marriage, and gender-based violence and harassment, which limit their access, opportunities, and leadership skills. The purpose of this study was to create a virtual empowerment and leadership program for young women based on extant literature, as well as best practices empowerment programs from South East Asia and empirical data. The main goal of the study using Virtual Participatory Action Research (V-PAR) was to organically create a leadership development program where the participants are the developers of the program. The goal …
Speaking Of Disruption: Experiences Of Speech Faculty In Transitioning Face-To-Face Courses To Remote Instruction, Amanda Ratcliff
Speaking Of Disruption: Experiences Of Speech Faculty In Transitioning Face-To-Face Courses To Remote Instruction, Amanda Ratcliff
The Journal of Advancing Education Practice
Online learning is not new to higher education, but the rapid transition from face-to-face instruction to virtual course delivery in the middle of an academic term due to the COVID-19 pandemic exposed the need for better training and preparation (Mseleku, 2020). This qualitative study explored the experiences of speech and communication faculty members (N = 5) who were required to swiftly transition to online teaching with short notice. Based on faculty perspectives, findings reveal the need for recognizing different pedagogical approaches to distance education, the need for more faculty training to teach online, the need for engagement and interaction with …
College Athletes’ Safe Return To Play: Perceptions Of Strength And Conditioning Training In A Midwest University, Reid Peters
College Athletes’ Safe Return To Play: Perceptions Of Strength And Conditioning Training In A Midwest University, Reid Peters
The Journal of Advancing Education Practice
This study focused on exploring the lived experiences of student-athletes during the COVID-19 pandemic at a midwestern university in the United States of America. Survey responses from collegiate athletes regarding perceptions of strength and conditioning training during the pandemic uncovered meaningful information to inform practices of strength and conditioning personnel during unexpected disruption to daily operations. Sixteen student athletes from a Midwest university were the respondents providing feedback to open-ended survey questions during fall semester of the 2021-2022 academic year. Student perspectives offer important insight about cares and concerns that athletic administrators, coaches and institutional leaders should consider when developing …
University Admissions Leaders Rethink Recruitment Strategies In The Wake Of Covid-19, Emily R. Albright, Elizabeth A. Schwanke
University Admissions Leaders Rethink Recruitment Strategies In The Wake Of Covid-19, Emily R. Albright, Elizabeth A. Schwanke
The Journal of Advancing Education Practice
In the wake of COVID-19, university admissions leaders were challenged to rethink recruitment strategies and practices. This qualitative research inquiry explored how admissions leaders changed student recruitment strategies in response to the inability to connect with prospective students in-person. The study collected data from six university admissions leaders in the Midwest region of the United States. Systems theory and the concept of organizational adaptation supported this investigation. Findings of the study reveal challenges admissions offices faced in response to the pandemic, identify new recruitment strategies developed by admissions leaders, and information what strategies may comprise the future of recruitment. Three …
Midwest University Coach Perspectives On Student-Athlete Recruitment During Unprecedented Disruption, Jonah Bradley
Midwest University Coach Perspectives On Student-Athlete Recruitment During Unprecedented Disruption, Jonah Bradley
The Journal of Advancing Education Practice
Recruiting student-athletes is one of the fundamental elements of success for college-level athletic coaches. The COVID-19 pandemic made student-athlete recruitment next to impossible due to restrictions on in-person activities. Utilizing Participatory Action Research (PAR), this study sought to understand the experiences of four athletic coaches in one Midwest college basketball program. Three themes from this study that informed the recruitment process during disruption were: theme 1: traditional recruiting replaced with technology-enabled recruiting. theme 2: inability to engage in person hinders interactions and communication, and theme 3: roster management and player development inconsistent with disruption. This study reveals a need for …
Non-Profit Leaders Confronting Challenges Presented By Covid-19, Tennille Spears
Non-Profit Leaders Confronting Challenges Presented By Covid-19, Tennille Spears
The Journal of Advancing Education Practice
Little is known about the totality of the challenges non-profit leaders are facing during the COVID-19 pandemic. This study explores how non-profit leaders are adapting to challenges caused by COVID-19. This paper presents an inquiry into participatory action research questions with responses from non-profit leaders’ firsthand experience with the challenges faced during the pandemic. The study collected data from three non-profit leaders in Wisconsin. Crisis management conceptual framework supports this investigation. The findings of this study reveal challenges non-profit leaders face in response to the pandemic include identifying new skills needed by non-profit leaders, and gaining information on the financial …
When Failure Is An Option: A Scoping Review Of Failure States In Game-Based Learning, F. Eamonn Powers, Robert L. Moore
When Failure Is An Option: A Scoping Review Of Failure States In Game-Based Learning, F. Eamonn Powers, Robert L. Moore
STEMPS Faculty Publications
As interest in the use of games and gaming elements within learning environments grows, educators and designers may find it easier to account for winning than for losing and failure. This scoping review examines the role of failure and loss within game-based instructional interventions. Because of the varied methods and relatively small number of articles directly addressing the intersection between failure and loss within game-based instructional interventions, a scoping review was undertaken. This review included 14 peer-reviewed articles which explored a range of instructional contexts implementing failure state game mechanics. We identify several key takeaways that indicate how failure state …
Examining Changes In Learning And Engagement Of Higher Education Students In A Fully Online Flipped Learning Distance Education Classroom, James David Riel
Examining Changes In Learning And Engagement Of Higher Education Students In A Fully Online Flipped Learning Distance Education Classroom, James David Riel
Graduate Theses, Dissertations, and Problem Reports (ETD)
The challenge of implementing effective online distance education courses for academics and institutions is a centuries-old task. We can look across early developments in the 18th century with the creation and delivery of correspondence courses; into the 20th century with teaching and learning across analog methods such as audio and video; and now in the current era of digitized mechanisms that enable the online classroom. This includes advances in internet technologies and computing abilities that are the empowering the backbone processes, bridging connectivity between the student and the instructor. As society has trended toward massive increases in online …
Academic Goal Orientation: New Insights And Cultural Adaptation Of Academic Goal Orientation Questionnaire Into The Turkish Language, Fuat Findikoglu, Mehmet Gurol
Academic Goal Orientation: New Insights And Cultural Adaptation Of Academic Goal Orientation Questionnaire Into The Turkish Language, Fuat Findikoglu, Mehmet Gurol
Georgia Educational Researcher
This study aims to review and provide new perspectives for academic goal orientation. The study introduces first chronological history of goal orientation and depicts how goal orientation evolved into a new construct in learning from the discussion on motivational factors. At first, this study isolates goal orientation from motivation and provides novel insights into goal orientation as a separated factor affecting learning. Then, this study provides analyses of the adaptation work of the academic goal orientation questionnaire into the Turkish language. The translated scale was applied to a sample of 729 undergraduate students, 376 (51.6%) of which were female and …
Professional Learning Community: Perspectives Of Rural School Teachers And Leaders, Brenda Olivia Martinez
Professional Learning Community: Perspectives Of Rural School Teachers And Leaders, Brenda Olivia Martinez
Electronic Theses and Dissertations
This study addressed rural school administrators’ and teachers’ perceptions about the implementation and participation in professional learning communities (PLC) to impact teacher growth, increase student achievement, and improve instructional practices. The purpose of this study was to evaluate the perceptions of rural administrators and teachers about PLCs within a rural West Texas school district. Research protocols were polished through a pilot study group that provided input to refine the survey and interview questions. The researcher administered a survey for all participants, conducted a one-on-one interview with administrators, and interviewed teachers in focus groups. Findings indicated that collaboration, implementation factors, and …
Educating For Global Competence: Co-Constructing Outcomes In The Field: An Action Research Project, Kristina A. Van Winkle
Educating For Global Competence: Co-Constructing Outcomes In The Field: An Action Research Project, Kristina A. Van Winkle
Antioch University Dissertations & Theses
Capacity building for globally competent educators is a 21st Century imperative to address contemporary complex and constantly changing challenges. This action research project is grounded in positive psychology, positive organizational scholarship, relational cultural theory, and relational leadership practices. It sought to identify adaptive challenges educators face as they try to integrate globally competent teaching practices into their curricula, demonstrate learning and growth experienced by the educators in this project, and provide guidance and solutions to the challenges globally competent educators face. Six educators participated in this three-phase project, which included focus groups, reflective journal entries, and an exit interview. Data …
Competency-Based Education In Business And Accounting, Jill Halverson
Competency-Based Education In Business And Accounting, Jill Halverson
The North American Accounting Studies
Competency-based education programs in the United States have grown over the past decade in response to the need to address adult learners who have earned some college credits but have not earned a degree. Hundreds of colleges have either developed or are developing competency-based education (CBE) programs, which separate learning from credit hours. Students complete assignments and/or projects to achieve mastery of competencies. This paper describes the state of CBE programs, focusing on business programs, which represent about one third of programs reported through a national survey. Discussion of University of Wisconsin System’s programs follows, including a specific business program …
Journalism Through Learning Design, Geoff Decker
Journalism Through Learning Design, Geoff Decker
Capstones
Abstract
At its core, journalism is a civic enterprise with a mission to help citizens better understand their world and communities. Fulfilling this lofty mission in today’s digital media landscape poses new and evolving challenges, but it also presents a unique opportunity to reexamine the relationship between storytellers and their audiences. Advancements in the learning sciences in recent decades offer important insights into how the mind works. In teaching and learning, pedagogical experts and practitioners increasingly utilize these insights to refine and implement instructional strategies that increase student engagement, motivation, and learning. This capstone project aims to establish a framework …
Evaluating A Speech Training Software Program Called Nativeaccent Based On Empirical Studies, Farideh Nekoobahr, Jacqueline Hawkins, Kristi L. Santi, Janeen R. S. Antonelli, Johanna Leigh Thorpe
Evaluating A Speech Training Software Program Called Nativeaccent Based On Empirical Studies, Farideh Nekoobahr, Jacqueline Hawkins, Kristi L. Santi, Janeen R. S. Antonelli, Johanna Leigh Thorpe
Journal of English Learner Education
This article evaluates a Computer-Assisted Language Learning program called NativeAccent and demonstrates that the software is designed based on systematic instructional strategies and empirically-proven theories. The instructional strategies include an initial assessment, training sessions, a final reassessment, repeated measurement, graphic presentation and systematic and rigorous interpretive guidelines, and individualized dosage. The empirically-supported theories are rooted in the four research-based theories of Universal Design for Learning, Learning Science, Intelligent Tutoring System, and Automatic Speech Recognition. In matching the components of the four theories mentioned above to the design of NativeAccent and evaluating the software, the purpose is to help administrators, educators, …
Financial Literacy For Latino Immigrants: A Guidebook For Esl Teachers, Anna Braden
Financial Literacy For Latino Immigrants: A Guidebook For Esl Teachers, Anna Braden
Master's Projects and Capstones
Latino immigrants face many financial challenges in the United States. Language barriers exclude them from jobs as well as financial and consumer markets. Lack of familiarity with the U.S. financial system or bad experiences with financial systems in their home countries can create mistrust and lead to Latino immigrants being unbanked or underbanked. Consumer vulnerabilities may also be exploited as immigrants turn to nonbank financial services such as predatory lenders (check cashers, payday lenders, etc.). Lack of access to jobs and marketplaces results in lower income and less wealth accumulation. Over time this results in wealth inequality between Latino immigrants …