dc.contributor.author	Bagwell, Dorothy Caroline	en
dc.contributor.committeechair	Garman, E. Thomas	en
dc.contributor.committeemember	Redican, Kerry J.	en
dc.contributor.committeemember	Lambur, Michael T.	en
dc.contributor.committeemember	Leech, Irene E.	en
dc.contributor.committeemember	Kratzer, Constance Y.	en
dc.contributor.committeemember	Hutchinson, Susan R.	en
dc.contributor.committeemember	Brunson, Bruce H.	en
dc.contributor.department	Near Environments	en
dc.date.accessioned	2014-03-14T20:17:11Z	en
dc.date.adate	2000-10-16	en
dc.date.available	2014-03-14T20:17:11Z	en
dc.date.issued	2000-08-14	en
dc.date.rdate	2001-10-16	en
dc.date.sdate	2000-10-08	en
dc.description.abstract	The purpose of this study was to examine a sample of employed individuals who participated in credit counseling through a non-profit consumer credit counseling agency in the Mid-Atlantic. Using data collected at two points in time, this sample was examined to measure changes in personal financial variables, health status, and work outcomes. The sample respondents were also examined to determine the extent to which they instituted positive financial behaviors following participation in credit counseling. In addition, this research assessed differences in the demographics among the clients. Also studied was the extent to which individual and family characteristics, health status, financial concerns and related stress, and financial wellness accounted for the variance in work outcomes of productivity, presenteeism, and worktime used for personal financial matters. Significant changes in personal financial outcomes, health status, and work outcomes were found between the initial and follow-up study. One year following credit counseling, respondents had decreased levels of financial concerns and financial stress, experienced fewer workloss days, and spent less time using work hours to handle personal financial matters. They also indicated improvements in their level of financial wellness, health status, and job productivity. Respondents had instituted a number of positive financial behaviors since receiving credit counseling one year earlier. Most had reduced some of their personal debts and cut down on living expenses. A model of work and personal financial outcomes was presented in this study. Hierarchical regression analyses using both data sets revealed that health status and financial concerns explained a significant amount of the variance in four work outcomes: (1) productivity, (2) presenteeism, (3) work time used for personal financial matters, and (4) workloss days. Adding financial wellness as the final step in the analysis, did not explain any additional variance in each of the work outcomes. This research assessed only the demographic and personal financial variables explanatory relationships to work outcomes. Therefore, life events beyond these variables may offer additional explanation of the work outcomes. Of importance is that this research provides documentation of positive changes in personal finances and work outcomes of employed individuals who participated in credit counseling one year earlier. In addition, the research presented a model of personal financial and work outcomes that can be advanced through further research.	en
dc.description.degree	Ph. D.	en
dc.identifier.other	etd-10082000-23210012	en
dc.identifier.sourceurl	http://scholar.lib.vt.edu/theses/available/etd-10082000-23210012/	en
dc.identifier.uri	http://hdl.handle.net/10919/29222	en
dc.publisher	Virginia Tech	en
dc.relation.haspart	chapter5and6.pdf	en
dc.relation.haspart	frontmatter.pdf	en
dc.relation.haspart	chapter3and4.pdf	en
dc.relation.haspart	chapter1and2.pdf	en
dc.rights	In Copyright	en
dc.rights.uri	http://rightsstatements.org/vocab/InC/1.0/	en
dc.subject	financial wellness	en
dc.subject	financial stress	en
dc.subject	financial concerns	en
dc.subject	productivity	en
dc.subject	credit counseling	en
dc.title	Work and Personal Financial Outcomes of Credit Counseling Clients	en
dc.type	Dissertation	en
thesis.degree.discipline	Near Environments	en
thesis.degree.grantor	Virginia Polytechnic Institute and State University	en
thesis.degree.level	doctoral	en
thesis.degree.name	Ph. D.	en

Work and Personal Financial Outcomes of Credit Counseling Clients

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