Julie Birkenmaier
Biographic Data
| ID | 180624 |
|---|---|
| NAME | Julie Birkenmaier |
| GIVEN NAMES | Julie |
| FAMILY NAME | Birkenmaier |
| SIGNATURE | BIRKENMAIER J |
| AFFILIATIONS | Saint Louis University |
| ORCID | 0000-0002-3426-1669 |
| VERIFIED | Yes |
| TOTAL WORKS | 36 |
| TOTAL CITATIONS | 87 |
| AUTHOR COUNT | 35 |
| EDITOR COUNT | 1 |
| FIRST PUBLICATION YEAR | 2000 |
| LATEST PUBLICATION YEAR | 2026 |
| H-INDEX | 5 |
Financial Coaching Effects on Financial and Health Outcomes: A Systematic Review
Purpose: Financial coaching is a popular intervention to help individuals achieve financial goals. This systematic review examined the effectiveness of financial coaching on financial and health outcomes. Method: Following Campbell Collaboration standards, we searched electronic databases, gray literature, websites, trial registries, and reference lists through September 2024, and contacted experts. Results: Eleven studies (8 RCTs, 3 quasi-experi…
When Access Extracts: Household Experiences with Predatory Financial Services, Workplace Benefits, and Identity-Based Discrimination
This study examines how low-income households perceive financial institutions’ role in household financial access and wealth-building. We conducted 18 in-depth interviews (until saturation) in a large Midwestern city and used hybrid thematic analysis (deductive and inductive) to code narratives and develop themes. Participants described three themes: 1) financial products and services are necessary for survival and financial management, yet somet…
The Protective Association of Financial Product Ownership: Examining Debt Collection Experiences Following Incarceration
This study (n = 6,595) investigates the relationship between incarceration experience and debt collection, and whether the relationship varies based on heterogeneity in financial product ownership (e.g. bank account). Latent Class Analysis (LCA) is used to create four classes of ownership (Comprehensive Financial Products, Core Financial Products, Basic Financial Products, and Limited Financial Products). Results suggest that the relationship bet…
Effects of Medical–Financial Partnerships on Financial and Medical Outcomes: A Systematic Review
Purpose: This systematic review synthesizes empirical evidence on the health and financial outcomes of Medical–Financial Partnerships to inform policy and practice. Method: We followed the Methodological Expectations of Campbell Collaboration Intervention Reviews to conduct this review. We searched 10 electronic databases through September 2023 to locate randomized controlled trials or quasi-experimental studies. Risk of bias of the included stud…
Is household wealth important for child behavior under persistent food insecurity? An application of longitudinal latent class analysis and generalized propensity score weight
Study of Student Perspectives on Financial and Economic Content in the Social Work Curriculum
The “Financial Capability for All” and “Reduce Extreme Economic Inequality” Grand Challenges highlight the need for social work to address financial and economic issues. While there is growing interest in integrating financial and economic content into social work education, curricular change is challenging. This study examines social work students’ perceptions of the importance of financial and economic content (FEC) in practice (N=466). Results…
Financial Social Work: A Primer
Financial social work (FSW) is an important field of practice, advocacy, and more recently research that addresses financial instability, poverty, and economic inequality. FSW is carried out in a way that marries social work's empathetic and empowerment-driven approach with efforts to improve financial capability and asset building (FCAB). These FCAB efforts pertain to activities, programs, and policies that aim to increase individual and househo…
Examining the Validity of Financial Knowledge Measures in a Context of Racialized Financial Market
The Effects of Tax-Time Interventions on Savings Rate and Amount: A Systematic Review and Meta-Analysis
Purpose: This systematic review examined the effects of tax-time saving interventions that promote saving with tax refunds from relevant experimental or quasi-experimental studies of interventions aimed toward low- and moderate-income adults delivered when filing U.S. income taxes. Method: A systematic review process was used to search for published and unpublished studies from sources through September 2021. Two reviewers screened studies, extra…
Financial Outcomes of Interventions to Improve Financial Capability Through Children’s Development Accounts: A Systematic Review
Introduction to the Special Issue on “Financial Capability and Asset Building for Family Financial Wellbeing”
Interventions Designed to Improve Financial Capability: A Systematic Review
Purpose: This study’s aim is to review and synthesize the scientific evidence for financial capability interventions that combine financial education and financial products and services to affect financial behavior. Method: A systematic review process was used to search for, screen, and extract data from relevant studies. Following descriptive analysis, we calculated effect sizes. Results: After excluding duplicates, non-relevant and ineligible r…
Preparing Social Work Faculty to Teach Financial Capability: Where We Stand
This article presents findings from a national online survey of social work faculty (N = 1,039) that examines financial and economic content in the current curriculum, gaps in coverage, and strategies for improving social workers’ academic preparation to work with populations living in extremely financially vulnerable circumstances. We sent the survey to all full- and part-time social work faculty listed on social work degree program websites. We…
Teaching Note—Course Models for Increased Competency for Practice Integrated With Financial Capability and Asset Building
The Financial Capability and Asset Building (FCAB) for All Grand Challenge provides an impetus to increase financial content in social work education so that students and practitioners are prepared for practice that includes finances. This teaching note will describe the rationale for including FCAB within social work education and the fit with the profession. To provide guidance on curricular integration, the implementation of 4 course models wi…
Bank Account Access Methods, Household Financial Well-Being, and Alternative Financial Services
The Bank Staff Perspective on Reducing Financial Exclusion through Affordable Bank Accounts
In semi-structured in-depth interviews in one mid-western city with a high percentage of financially excluded consumers, 22 staff members from 15 banks describe their employer bank’s efforts to serve low- and moderate-income consumers. Six themes were found: (1) Banks are aware of the problem of financial exclusion; (2) Financial education poses challenges to deliver, and lacks outcomes; (3) Few rewards are evident for offering basic checking acc…
Family assets, parental expectations, and children educational performance: An empirical examination from China
Household Financial Access and Use of Alternative Financial Services in the U.S: Two Sides of the Same Coin
For Their Financial Benefit: Determination of Financial Capability for Adult Beneficiaries of Social Security Disability
More than 17 million disabled Americans receive financial benefits from the U.S. Social Security Administration (SSA) through the Supplemental Security Income or the Social Security Disability Insurance programs, or both. Taken together, 3.5 million disabled adults are appointed a representative payee who receives and manages their SSA benefits because they have been determined not to be financially capable (that is, able to manage or direct the …
Adopting a financial capability and asset-building curriculum at historically Black colleges and universities
Social workers currently engage in financial capability practice with low-income and financially vulnerable individuals and families in diverse practice settings, but typically lack professional preparation for this work. In response, several schools of social work have begun adopting financial capability curricula. Using an in-depth interview methodology, this study examines the adoption of a curriculum in financial capability and asset building…
Unemployment and household food hardship in the economic recession
Objective The present study examined the association between unemployment and household food insecurity during the 2007–2009 economic recession in the USA. Design Longitudinal survey of the Survey of Income and Program Participation (SIPP; 2008–2011). Food insecurity was measured by five questions excerpted from an eighteen-item Food Security Scale. Unemployment was measured by a dichotomous indicator, the number of job losses and the total durat…
Are Graduating Students Ready for Financial Aspects of Social Work Practice
Graduating students must be prepared with knowledge and skills for the financial aspects of social work practice. This study examines graduating students’ attitudes and perceptions about client finances, as well as their financial knowledge. Internet survey results (n = 116) of BSW and MSW graduating students indicate that respondents (a) perceive a limited function for discussing client financial circumstances in practice, (b) understand the rel…
Celebrating Six Decades of Social Work and Advancing Financial Capability and Asset Development
Social Work serves as the flagship journal for the National Association of Social Workers. In this issue, we celebrate 60 years of the journal encouraging innovative thinking, scholarly discourse, and timely ideas to shape and support social work practice and research. Over the journal's 60 years, much has changed within and outside of the profession. An examination of the content of the journal's issues over the last six decades is telling about…
Financial Capability and Asset Building: Building Evidence for Community Practice
This article was published in the Journal of Community Practice’s special issue on Financial Capability and Asset Building and was originally presented during the April 2015 conference,Financial Capability and Asset Building: Advancing Education, Research, and Practice in Social Work. The conference was hosted by the Center for Social Development at Washington University in St. Louis and the Financial Social Work Initiative at the University of M…
Food Insecurity and Financial Access during an Economic Recession: Evidence from the 2008 Sipp
This study examines the association between financial access, unemployment, and household food insecurity during the economic recession (N = 14,417). The unbanked lack financial access to smooth their consumption during times of financial stress. The dependent variable is food insecurity, the independent variable is banked status, and unemployment experience is a moderator. The results of this study, using Survey of Income and Program Participati…
Financial Credit: Social Work's Role in Empowering Low-Income Families
Social workers interact with families and communities that financially struggle and have credit challenges. Social workers could benefit from increasing their financial literacy to knowledgeably educate, assist, and refer families in financial need. Specifically, knowledge about credit is imperative in today's economy. This article provides information about financial credit, financial literacy efforts, and the basics about credit, credit reports…
Affordable Financial Services and Credit for the Poor: The Foundation of Asset Building
The financial services and sources of credit available to poor families affect the rate at which families can be financially empowered through building assets. This paper provides background information on financial services, including credit sources, which are available for low-income people and communities. Also discussed are policies affecting financial markets and promising innovations in delivering affordable financial services to low-income…
Family assets, parental expectations, and children educational performance: An empirical examination from China
Food Insecurity and Financial Access during an Economic Recession: Evidence from the 2008 Sipp
This study examines the association between financial access, unemployment, and household food insecurity during the economic recession (N = 14,417). The unbanked lack financial access to smooth their consumption during times of financial stress. The dependent variable is food insecurity, the independent variable is banked status, and unemployment experience is a moderator. The results of this study, using Survey of Income and Program Participati…
MSW Integrative Seminars: Toward Integrating Course and Field Work
Social work education programs strive to integrate knowledge acquired in the classroom with practice through the field education experience. The Integrative Seminar is one mechanism to enhance integration efforts of students and field instructors. Little guidance and few models are available to graduate social work programs in offering such Seminars. This descriptive paper discusses the use of Integrative Seminars as a vehicle for integration and…
Household Financial Access and Use of Alternative Financial Services in the U.S: Two Sides of the Same Coin
Promoting Bank Accounts to Low-Income Households: Implications for Social Work Practice
In the wake of the recent economic challenges, it is clear that social workers must be educated about the financial opportunities for low-income households. Encouraging low-income households to have a bank account at an insured depository institution, or become banked, is increasingly emphasized in policy and practice. Becoming banked offers the opportunity to avoid high-cost alternative financial services. Social workers can facilitate relations…
The Experiential Community Assessment Project: Integrating Social Work Practice Skills
Although most social work students are primarily interested in micro practice, the Council on Social Work Education mandates teaching macro practice. The challenge of incorporating meaningful and relevant community assignments within practice courses is noted in the literature (Koerin, Reeves, & Rosenblum, 2000 Koerin, B. B., Reeves, J. and Rosenblum, A. 2000. Macro-learning opportunities: What is really happening out there in field?. Journal of …
Financial Capability and Asset Building: Building Evidence for Community Practice
This article was published in the Journal of Community Practice’s special issue on Financial Capability and Asset Building and was originally presented during the April 2015 conference,Financial Capability and Asset Building: Advancing Education, Research, and Practice in Social Work. The conference was hosted by the Center for Social Development at Washington University in St. Louis and the Financial Social Work Initiative at the University of M…
Job Loss and Unmet Health Care Needs in the Economic Recession: Different Associations by Family Income
Objectives. We examined heterogeneous associations between job loss and unmet health care needs by family income level in the recent economic recession. Methods. We conducted logistic regression analyses with the sample from the 2008 Survey of Income and Program Participation (n = 12 658). Dependent variables were 2 dichotomous measures of unmet health care needs in medical and dental services. The primary independent variables were a dummy indic…
Credit Building in IDA Programs: Early Findings of a Longitudinal Study
Objective: This article reports on the impact of the Individual Development Account (IDA) program on credit. Method: Using a convenience sample of IDA participants ( N = 165), data were analyzed using paired sample t tests, independent sample t test, one-way analysis of variance, Mann–Whitney U Tests, and Wilcoxon Signed Rank Tests. Results: Results indicate that participants improved their credit history and score, as compared with nonparticipan…
Are Graduating Students Ready for Financial Aspects of Social Work Practice
Graduating students must be prepared with knowledge and skills for the financial aspects of social work practice. This study examines graduating students’ attitudes and perceptions about client finances, as well as their financial knowledge. Internet survey results (n = 116) of BSW and MSW graduating students indicate that respondents (a) perceive a limited function for discussing client financial circumstances in practice, (b) understand the rel…
Celebrating Six Decades of Social Work and Advancing Financial Capability and Asset Development
Social Work serves as the flagship journal for the National Association of Social Workers. In this issue, we celebrate 60 years of the journal encouraging innovative thinking, scholarly discourse, and timely ideas to shape and support social work practice and research. Over the journal's 60 years, much has changed within and outside of the profession. An examination of the content of the journal's issues over the last six decades is telling about…
Does Homeownership Education and Counseling (HEC) Help Credit Scores
Raising credit scores is often a key element to pre-purchase counseling for homeownership. This study examined the ef-fectiveness of credit counseling within, homeownership education and counseling (HEC), services on credit scores. The pre- and post-counsel-ing credit scores was obtained for 203 clients. Multiple regression analy-sis found that while client age, step-in-service delivery system after one year and initial credit score were found to…
The Bank Staff Perspective on Reducing Financial Exclusion through Affordable Bank Accounts
In semi-structured in-depth interviews in one mid-western city with a high percentage of financially excluded consumers, 22 staff members from 15 banks describe their employer bank’s efforts to serve low- and moderate-income consumers. Six themes were found: (1) Banks are aware of the problem of financial exclusion; (2) Financial education poses challenges to deliver, and lacks outcomes; (3) Few rewards are evident for offering basic checking acc…
For Their Financial Benefit: Determination of Financial Capability for Adult Beneficiaries of Social Security Disability
More than 17 million disabled Americans receive financial benefits from the U.S. Social Security Administration (SSA) through the Supplemental Security Income or the Social Security Disability Insurance programs, or both. Taken together, 3.5 million disabled adults are appointed a representative payee who receives and manages their SSA benefits because they have been determined not to be financially capable (that is, able to manage or direct the …
Weaving a Web: The Use of Internet Technology in Field Education
The use of Internet technology in social work education is increasingly being debated. This paper describes applications using two technological tools to enhance one school's field education program. The development and current use of these computer-based strategies for use in the classroom-based Integrative Seminars, as a method to orient students to practicum and to offer an on-line Integrative Seminar, are discussed. Also described is the deve…
SocialWelfare Policy Changes and SocialWork Practice
Managed care, welfare reform, changes in government-sponsored health insurance, privatization, for-profit commercial activity, and increasing competition for charitable funding are affecting nonprofit social service organizations. This study of 244 nonprofit social service agencies explores the influence of social policy changes on nonprofit organizations. The effects of such changes on social work practice and social work field education within …
MSW Integrative Seminars: Toward Integrating Course and Field Work
Social work education programs strive to integrate knowledge acquired in the classroom with practice through the field education experience. The Integrative Seminar is one mechanism to enhance integration efforts of students and field instructors. Little guidance and few models are available to graduate social work programs in offering such Seminars. This descriptive paper discusses the use of Integrative Seminars as a vehicle for integration and…
Weaving a Web: The Use of Internet Technology in Field Education
The use of Internet technology in social work education is increasingly being debated. This paper describes applications using two technological tools to enhance one school's field education program. The development and current use of these computer-based strategies for use in the classroom-based Integrative Seminars, as a method to orient students to practicum and to offer an on-line Integrative Seminar, are discussed. Also described is the deve…
Does Homeownership Education and Counseling (HEC) Help Credit Scores
Raising credit scores is often a key element to pre-purchase counseling for homeownership. This study examined the ef-fectiveness of credit counseling within, homeownership education and counseling (HEC), services on credit scores. The pre- and post-counsel-ing credit scores was obtained for 203 clients. Multiple regression analy-sis found that while client age, step-in-service delivery system after one year and initial credit score were found to…
Affordable Financial Services and Credit for the Poor: The Foundation of Asset Building
The financial services and sources of credit available to poor families affect the rate at which families can be financially empowered through building assets. This paper provides background information on financial services, including credit sources, which are available for low-income people and communities. Also discussed are policies affecting financial markets and promising innovations in delivering affordable financial services to low-income…
Financial Credit: Social Work's Role in Empowering Low-Income Families
Social workers interact with families and communities that financially struggle and have credit challenges. Social workers could benefit from increasing their financial literacy to knowledgeably educate, assist, and refer families in financial need. Specifically, knowledge about credit is imperative in today's economy. This article provides information about financial credit, financial literacy efforts, and the basics about credit, credit reports…
The Experiential Community Assessment Project: Integrating Social Work Practice Skills
Although most social work students are primarily interested in micro practice, the Council on Social Work Education mandates teaching macro practice. The challenge of incorporating meaningful and relevant community assignments within practice courses is noted in the literature (Koerin, Reeves, & Rosenblum, 2000 Koerin, B. B., Reeves, J. and Rosenblum, A. 2000. Macro-learning opportunities: What is really happening out there in field?. Journal of …
Credit Building in IDA Programs: Early Findings of a Longitudinal Study
Objective: This article reports on the impact of the Individual Development Account (IDA) program on credit. Method: Using a convenience sample of IDA participants ( N = 165), data were analyzed using paired sample t tests, independent sample t test, one-way analysis of variance, Mann–Whitney U Tests, and Wilcoxon Signed Rank Tests. Results: Results indicate that participants improved their credit history and score, as compared with nonparticipan…
Promoting Bank Accounts to Low-Income Households: Implications for Social Work Practice
In the wake of the recent economic challenges, it is clear that social workers must be educated about the financial opportunities for low-income households. Encouraging low-income households to have a bank account at an insured depository institution, or become banked, is increasingly emphasized in policy and practice. Becoming banked offers the opportunity to avoid high-cost alternative financial services. Social workers can facilitate relations…
Financial Capability and Asset Development: Research, Education, Policy, and Practice
Job Loss and Unmet Health Care Needs in the Economic Recession: Different Associations by Family Income
Objectives. We examined heterogeneous associations between job loss and unmet health care needs by family income level in the recent economic recession. Methods. We conducted logistic regression analyses with the sample from the 2008 Survey of Income and Program Participation (n = 12 658). Dependent variables were 2 dichotomous measures of unmet health care needs in medical and dental services. The primary independent variables were a dummy indic…
Food Insecurity and Financial Access during an Economic Recession: Evidence from the 2008 Sipp
This study examines the association between financial access, unemployment, and household food insecurity during the economic recession (N = 14,417). The unbanked lack financial access to smooth their consumption during times of financial stress. The dependent variable is food insecurity, the independent variable is banked status, and unemployment experience is a moderator. The results of this study, using Survey of Income and Program Participati…
Unemployment and household food hardship in the economic recession
Objective The present study examined the association between unemployment and household food insecurity during the 2007–2009 economic recession in the USA. Design Longitudinal survey of the Survey of Income and Program Participation (SIPP; 2008–2011). Food insecurity was measured by five questions excerpted from an eighteen-item Food Security Scale. Unemployment was measured by a dichotomous indicator, the number of job losses and the total durat…
Are Graduating Students Ready for Financial Aspects of Social Work Practice
Graduating students must be prepared with knowledge and skills for the financial aspects of social work practice. This study examines graduating students’ attitudes and perceptions about client finances, as well as their financial knowledge. Internet survey results (n = 116) of BSW and MSW graduating students indicate that respondents (a) perceive a limited function for discussing client financial circumstances in practice, (b) understand the rel…
Celebrating Six Decades of Social Work and Advancing Financial Capability and Asset Development
Social Work serves as the flagship journal for the National Association of Social Workers. In this issue, we celebrate 60 years of the journal encouraging innovative thinking, scholarly discourse, and timely ideas to shape and support social work practice and research. Over the journal's 60 years, much has changed within and outside of the profession. An examination of the content of the journal's issues over the last six decades is telling about…
Financial Capability and Asset Building: Building Evidence for Community Practice
This article was published in the Journal of Community Practice’s special issue on Financial Capability and Asset Building and was originally presented during the April 2015 conference,Financial Capability and Asset Building: Advancing Education, Research, and Practice in Social Work. The conference was hosted by the Center for Social Development at Washington University in St. Louis and the Financial Social Work Initiative at the University of M…
Household Financial Access and Use of Alternative Financial Services in the U.S: Two Sides of the Same Coin
For Their Financial Benefit: Determination of Financial Capability for Adult Beneficiaries of Social Security Disability
More than 17 million disabled Americans receive financial benefits from the U.S. Social Security Administration (SSA) through the Supplemental Security Income or the Social Security Disability Insurance programs, or both. Taken together, 3.5 million disabled adults are appointed a representative payee who receives and manages their SSA benefits because they have been determined not to be financially capable (that is, able to manage or direct the …
Adopting a financial capability and asset-building curriculum at historically Black colleges and universities
Social workers currently engage in financial capability practice with low-income and financially vulnerable individuals and families in diverse practice settings, but typically lack professional preparation for this work. In response, several schools of social work have begun adopting financial capability curricula. Using an in-depth interview methodology, this study examines the adoption of a curriculum in financial capability and asset building…
Family assets, parental expectations, and children educational performance: An empirical examination from China
The Bank Staff Perspective on Reducing Financial Exclusion through Affordable Bank Accounts
In semi-structured in-depth interviews in one mid-western city with a high percentage of financially excluded consumers, 22 staff members from 15 banks describe their employer bank’s efforts to serve low- and moderate-income consumers. Six themes were found: (1) Banks are aware of the problem of financial exclusion; (2) Financial education poses challenges to deliver, and lacks outcomes; (3) Few rewards are evident for offering basic checking acc…
Preparing Social Work Faculty to Teach Financial Capability: Where We Stand
This article presents findings from a national online survey of social work faculty (N = 1,039) that examines financial and economic content in the current curriculum, gaps in coverage, and strategies for improving social workers’ academic preparation to work with populations living in extremely financially vulnerable circumstances. We sent the survey to all full- and part-time social work faculty listed on social work degree program websites. We…
Teaching Note—Course Models for Increased Competency for Practice Integrated With Financial Capability and Asset Building
The Financial Capability and Asset Building (FCAB) for All Grand Challenge provides an impetus to increase financial content in social work education so that students and practitioners are prepared for practice that includes finances. This teaching note will describe the rationale for including FCAB within social work education and the fit with the profession. To provide guidance on curricular integration, the implementation of 4 course models wi…
Bank Account Access Methods, Household Financial Well-Being, and Alternative Financial Services
Introduction to the Special Issue on “Financial Capability and Asset Building for Family Financial Wellbeing”
Business (15 works) · Economics (15 works) · Social Work (14 works) · Finance (13 works) · Political science (13 works) · Economic growth (12 works) · Financial Literacy, Pension, Retirement Analysis (12 works) · Financial services (10 works) · Sociology (10 works) · Work (physics (10 works)