Recovery Finance: Financial health and mental health after incarceration

项目摘要 经历过监禁并面临心理健康挑战的人中，黑人和 拉丁裔和低收入人群。这一群体经历了不成比例的经济困难，无论被监禁与否 由于种族主义和其他形式的歧视，以及相关的负面健康后果。如果被监禁， 经济困难加剧，给社区重新融入制造了障碍。我们提供支持，帮助人们 来自就业和/或残疾津贴的收入，但对财务方面的关注较少，包括 有问题的债务、糟糕的信用以及进入银行机构的障碍。这些财务问题有直接的 对健康的影响，对就业和住房的障碍，对社会网络的压力，有助于 排斥和助长累犯，所有这些都是健康的决定因素。财务能力计划 包括一对一的指导和获得安全和负担得起的金融产品可以改善低收入 人们的经济福祉和精神健康，特别是当他们融入现有服务时，以及 合作伙伴努力改革法律和政策，以解决造成财政困难的上游原因。 该项目的目标是在社区层面进行干预，以减少个人的经济困难 有监禁史和精神健康挑战，他们主要是黑人和拉丁裔。我们将使用 以社区为基础的参与性研究(CBPR)方法实现以下具体目标：1)改变 社区层面的决定因素，通过培训现有人员影响目标群体的财务福祉和健康 服务提供商包括：i)以社区为基础的金融能力提供商能够解决金融问题 目标群体的困难；二)刑事司法途径沿线的服务提供者能够提供 向目标群体提供基本财务指导；三)金融机构工作人员减少与财务有关的歧视 正义的后果--卷入和精神疾病。我们还将支持社区合作 致力于影响目标群体财务状况的法律/政策改革。2)使用混合方法评估影响 关于社区决定因素，衡量财政能力支持与现有服务、能力的整合 支持目标群体的金融教练、获得金融产品的机会、态度、知识和行为 银行工作人员，社区合作的力量，以及在法律和政策方面的变化。我们会 通过衡量目标机制(财务技能、自我效能和行为)来评估对个人的影响 假定调节财政能力支持和主要结果之间的关系，包括 经济福祉和其他健康决定因素(就业、住房、社会支持、心理健康 支持和归属感)、二次结果(健康和累犯)以及初级和次级之间的调停因素 次要结果(希望、赋权和掌握)。3)评估将同伴支持整合到 通过将参与者随机分成两组，为目标群体提供基于社区的财政能力支持， 仅财政能力支持，或财政能力支持加同行支持。

Project Summary People who experience incarceration and have mental health challenges are disproportionately Black and Latinx, and low-income. This group experiences disproportionate financial hardship regardless of incarceration due to racism and other forms of discrimination, with associated negative health outcomes. If incarcerated, financial hardship worsens, creating barriers to community reentry. Support is provided to help people with income from employment and/or disability benefits, but less attention is paid to aspects of finances including problem debt, poor credit, and barriers accessing banking institutions. These financial issues have a direct impact on health, create barriers to employment and housing, stress social networks, contribute to feelings of exclusion and contribute to recidivism, all of which are health determinants. Financial capability programs including one-on-one coaching and access to safe and affordable financial products can improve low-income people's financial well-being and mental health, especially when they integrate into existing services, and partner to work towards reform of laws and policies to address upstream causes of financial difficulties. This project's goal is to intervene at the community level to reduce financial difficulties of individuals with incarceration histories and mental health challenges, who are predominantly Black and Latinx. We will use Community Based Participatory Research (CBPR) methods to achieve the following specific aim: 1) Change community level determinants that impact financial well-being and health of the target group by training existing service provider including: i) community-based financial capability providers to be able to address financial difficulties of the target group; ii) service providers along the criminal justice pathway to be able to provide basic financial guidance to target group; iii) financial institution staff to reduce discrimination related to financial consequences of justice-involvement and mental illness. We will also support community collaborations working for legal/policy reform that impacts finances of target group. 2) Use mixed methods to assess impact on community determinants, measuring integration of financial capability support into existing services, ability of financial coaches to support target group, access to financial products, attitudes, knowledge and behavior of bank staff, strength of community collaborations, and progress towards changes in laws and policies. We will assess impact on individuals by measuring target mechanisms (financial skills, self-efficacy and behavior) hypothesized to mediate the relationship between financial capability support and primary outcomes including financial well-being and other health determinants (employment, housing, social support, mental health supports, and belonging), secondary outcomes (health and recidivism) and mediators between primary and secondary outcomes (hope, empowerment, and mastery). 3) Assess the value of integrating peer support into community-based financial capability support for the target group by randomizing participants into two groups, financial capability support only, or financial capability support plus peer support.