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Title: PLURALISM AND PRESIDENTIAL CAMPAIGN FINANCE REFORM: A POLICY ANALYSIS OF CAMPAIGN FINANCE REFORM FROM FECA TO BCRA.
Creator: Dillon, Tully, Dolan, Chris, University of Central Florida
Abstract / Description: One of the underlying themes in American politics is that the addition of campaign finance laws at the presidential election level will have a negative relationship with amount of influence and money in campaigns and the amount of regulation. In other words, as regulation goes up the amount of money and influence will decrease. However, with the recent 2004 presidential election this concept has surely been shown to be problematic, at least at the outset. The purpose of this thesis is to...
Show moreOne of the underlying themes in American politics is that the addition of campaign finance laws at the presidential election level will have a negative relationship with amount of influence and money in campaigns and the amount of regulation. In other words, as regulation goes up the amount of money and influence will decrease. However, with the recent 2004 presidential election this concept has surely been shown to be problematic, at least at the outset. The purpose of this thesis is to examine this relationship and to further expand upon the limited knowledge of this sub-field of political science. This thesis will suggest that the intended result of campaign finance reform may not necessarily be realized. Subsequently, we must ask ourselves whether or not campaign finance regulations actually result in the intended consequences. Federal campaign finance laws do not necessarily reduce the amount of money and influence by special interests in presidential elections. In examining presidential campaign finance regulations do higher levels of regulations really have an impact upon the amount of money (influence) collected and spent in a particular campaign? The McCain-Feingold Campaign Finance Act of 2002 (officially implemented in 2002), or the Bipartisan Campaign Reform Act (BCRA), was a rudimentary attempt to dramatically change the electoral system in terms of money. In fact, this bill was the most comprehensive overhaul of the electoral system in a quarter of a century (at least since the 1970's) and one of the underlying reasons, arguably, for the bill was to limit soft money and interest group contributions to presidential candidates or to the presidential campaigns during a given election cycle. Basically, the attempt was made to limit the "money" in politics and particularly in presidential campaigns. However, as most media outlets have claimed (such as CNN) that money or contributions given by individuals and various organizations and the amount of money spent by each campaign (President Bush and Senator Kerry) in the most recent presidential election of 2004 surpassed that of any previous presidential election cycle. Part of the reasoning for the limitation of soft money in presidential elections is the whimsical "myth" that more money in presidential elections will inevitably lead to more influence of the executive branch by big time donors such as labor unions, business, wealthy persons, and by interest groups to name just a few. In other words, wealthy interests such as those mentioned in the previous sentence, would theoretically have a greater impact on the electoral process than by individuals. This concept is briefly examined. Of course, the data will come from many sources with government resources being the dominant resource. The FEC began collecting campaign finance data since the 1970's and much of the data comes from published data files from the FEC. Additionally, data will be taken from other government resources such as the U.S. Census Bureau and the U.S Bureau of Labor statistics. Other data contained within in this will be properly noted.
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Date Issued: 2006
Identifier: CFE0001009, ucf:46839
Format: Document (PDF)
PURL: http://purl.flvc.org/ucf/fd/CFE0001009

Title: Inflation of prices or deflation of labor?.
Creator: Petersen, Arnold, Socialist Labor Party
Date Issued: 1942
Identifier: 2683073, CFDT2683073, ucf:5021
Format: Document (PDF)
PURL: http://purl.flvc.org/FCLA/DT/2683073

Title: Finance: An introductory course for classes and study circles.
Creator: Burns, Emile, Labour Research Department
Date Issued: 1922
Identifier: 358379, CFDT358379, ucf:5205
Format: Document (PDF)
PURL: http://purl.flvc.org/FCLA/DT/358379

Title: DOES LOWERING THE INTEREST RATE STIMULATE ECONOMIC GROWTH? AN ANALYSIS OF CURRENT MACROECONOMIC POLICY.
Creator: Araujo, Tomas, Ramanlal, Pradipkumar, University of Central Florida
Abstract / Description: The effectiveness of monetary policy moving forward from the subprime mortgage crisis has come into question by academics and economists from around the world. The unconventional monetary policy tools implemented have left central banks in a tough spot in terms of an exit from these policies in an environment where economic growth and inflation targets still have not been reached ten years after the onset of the recession. One of the main criticisms by economists is the prolonged easy...
Show moreThe effectiveness of monetary policy moving forward from the subprime mortgage crisis has come into question by academics and economists from around the world. The unconventional monetary policy tools implemented have left central banks in a tough spot in terms of an exit from these policies in an environment where economic growth and inflation targets still have not been reached ten years after the onset of the recession. One of the main criticisms by economists is the prolonged easy monetary policy implemented by central banks, which have left interest rates at near zero levels since the recession and are just now beginning to cautiously consider raising rates. In this paper, I examined the relationship between GDP growth and economic variables that could possibly affect it, including interest rates, unemployment, labor force participation rates, shadow interest rates, stock market performance, and bond market performance. I studied the relationship by running regressions on time series data collected from the economies and central banks of the United States, European Union, and Japan. I found no statistically significant relationship between interest rates and GDP growth as well as positive values for the interest rate coefficients for two out of three of my regressions. However, I did conclude that the unemployment rate, and bond market performance did have a positive relationship with GDP growth in Europe and Japan. This warrants further study and usage of policy tools that affect these variables to lessen the severity of future recessions and have a positive effect on economic growth.
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Date Issued: 2017
Identifier: CFH2000206, ucf:45927
Format: Document (PDF)
PURL: http://purl.flvc.org/ucf/fd/CFH2000206

Title: THE EFFECT OF CORPORATE SOCIAL RESPONSIBILITY ON FIRM VALUE AND PERFORMANCE.
Creator: Maxey, Jennifer E, Frye, Melissa, University of Central Florida
Abstract / Description: In this thesis, I test the effects of corporate social responsibility (CSR) on firm valuation and performance from the financial crisis of 2007 to year 2013. Prior research on CSR suggests that CSR is related to firm performance, but the results have not been consistent. My study focuses on the time period following the crisis since trust between firms and stakeholders may be more important following a negative shock. The components of CSR are broken out into environmental, human rights,...
Show moreIn this thesis, I test the effects of corporate social responsibility (CSR) on firm valuation and performance from the financial crisis of 2007 to year 2013. Prior research on CSR suggests that CSR is related to firm performance, but the results have not been consistent. My study focuses on the time period following the crisis since trust between firms and stakeholders may be more important following a negative shock. The components of CSR are broken out into environmental, human rights, diversity, community impact, employee relations, product, and corporate governance. I find evidence that at least some measures of firm performance are positively related to CSR. Specifically, I find that a high CSR score is associated with a high return on assets. I also find a positive relation with Tobin's Q in certain model specifications. The components of CSR that hold the greatest weight in terms of ROA are environmental, employee relations, diversity, and product strengths. Given the importance of these financial performance measures, my results provide support for corporate spending on social capital.
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Date Issued: 2019
Identifier: CFH2000570, ucf:45638
Format: Document (PDF)
PURL: http://purl.flvc.org/ucf/fd/CFH2000570

Title: Simulations for Financial Literacy.
Creator: Hamilton, Angela, Jones, Daniel, Flammia, Madelyn, Metcalf, David, University of Central Florida
Abstract / Description: Financially literate consumers are empowered with the knowledge and skills necessary to make sound financial decisions that ensure their long-term economic well-being. Within the context of the range of cognitive, psychological, and social factors that influence consumer behavior, simulations enhance financial literacy by developing consumers' mental models for decision-making. Technical communicators leverage plain language and visual language techniques to communicate complex financial...
Show moreFinancially literate consumers are empowered with the knowledge and skills necessary to make sound financial decisions that ensure their long-term economic well-being. Within the context of the range of cognitive, psychological, and social factors that influence consumer behavior, simulations enhance financial literacy by developing consumers' mental models for decision-making. Technical communicators leverage plain language and visual language techniques to communicate complex financial concepts in ways that consumers can relate to and understand.Simulations for financial education and decision support illustrate abstract financial concepts, provide a means of safe experimentation, and allow consumers to make informed choices based on a longitudinal comparison of decision outcomes. Technical communicators develop content based on best practices and conduct evaluations to ensure that simulations present information that is accessible, usable, and focused on the end-user. Potential simulation formats range from low- to high-fidelity. Low-fidelity simulations present static data in print or digital formats. Mid-fidelity simulations provide digital interactive decision support tools with dynamic user inputs. More complex high-fidelity simulations use narrative and dramatic elements to situate learning in applied contexts.
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Date Issued: 2012
Identifier: CFE0004318, ucf:49489
Format: Document (PDF)
PURL: http://purl.flvc.org/ucf/fd/CFE0004318

Title: Financial Forest.
Creator: Carlson, Karen, Moshell, Michael, Lindgren, Robb, Underberg-Goode, Natalie, University of Central Florida
Abstract / Description: Regular savings behavior is critical for low-income Americans to achieve financial mobility. New technology tools are being used to improve personal awareness and attention to financial goals. This thesis reviews mobile learning (mLearning) research and leading commercial personal finance smartphone apps, both of which inform the design of Financial Forest, a savings app. Participants in the 4-week Financial Forest savings study are found to have a statistically significant improved...
Show moreRegular savings behavior is critical for low-income Americans to achieve financial mobility. New technology tools are being used to improve personal awareness and attention to financial goals. This thesis reviews mobile learning (mLearning) research and leading commercial personal finance smartphone apps, both of which inform the design of Financial Forest, a savings app. Participants in the 4-week Financial Forest savings study are found to have a statistically significant improved perception of the difficulty of building an emergency fund.
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Date Issued: 2014
Identifier: CFE0005143, ucf:50682
Format: Document (PDF)
PURL: http://purl.flvc.org/ucf/fd/CFE0005143

Title: The Financial and Logistical Advantages and Disadvantages of Charter School Ownership by Traditional Public School Districts.
Creator: Antmann, John, Murray, Kenneth, Murray, Barbara, Doherty, Walter, Hutchinson, Cynthia, University of Central Florida
Abstract / Description: The purpose of this study was to identify the financial and logistical advantages and disadvantages to be realized by public school districts in California, Florida, Louisiana, and Texas through the ownership of charter schools. A policy review was completed examining relevant state statutes, department of education administrative rules, and school board policies in each of the four states included in this study. Interviews were completed with the chief financial officer, or their designee,...
Show moreThe purpose of this study was to identify the financial and logistical advantages and disadvantages to be realized by public school districts in California, Florida, Louisiana, and Texas through the ownership of charter schools. A policy review was completed examining relevant state statutes, department of education administrative rules, and school board policies in each of the four states included in this study. Interviews were completed with the chief financial officer, or their designee, from school districts in each of the four states using a series of structured interview questions. Interviews were conducted over the phone and data was recorded via detailed notes or recordings with transcripts created.Data from the policy review and structured interviews were analyzed using the constant comparison method in order to answer each of the four research questions. The analysis was used to create a comprehensive listing of fiscal and logistical advantages and disadvantages associated with charter school ownership by traditional public school districts.
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Date Issued: 2016
Identifier: CFE0006253, ucf:51033
Format: Document (PDF)
PURL: http://purl.flvc.org/ucf/fd/CFE0006253

Title: PROFIT-BEARING ADMINISTRATORS: EXPLORING THE APPLICATION OF ECONOMICS AND FINANCIAL CONCEPTS IN HEALTHCARE MANAGEMENT.
Creator: Riddick, Brandon K, Wessel, Philip K., University of Central Florida
Abstract / Description: Healthcare managers face an incredible challenge today; understanding and implementing financially and economically sound decisions in the complex healthcare environment of the United States. The pressure to be profitable managers is greater than ever. Considering current research, past studies, and articles focused on the demands of healthcare managers will illuminate the state of health care administration, and the importance of real world application of accounting and economics in...
Show moreHealthcare managers face an incredible challenge today; understanding and implementing financially and economically sound decisions in the complex healthcare environment of the United States. The pressure to be profitable managers is greater than ever. Considering current research, past studies, and articles focused on the demands of healthcare managers will illuminate the state of health care administration, and the importance of real world application of accounting and economics in healthcare. This thesis will explore and examine research about industry standards, and the need for preparedness in healthcare finance management. It will also examine the important and complex role of accounting and economics in healthcare administration by answering the three following questions: What do administrators, according to studies and literature available, believe is essential to becoming and remaining effective managers? What financial and economic concepts are understood and implemented by healthcare managers? What changes, if any, are necessary to adequately train and educate future healthcare administrators for successful financial management? The answers to these questions will highlight the impact of the economic, political, and social changes on administrators, as well as the best ways to succeed despite the difficulties often faced by those in this field.
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Date Issued: 2017
Identifier: CFH2000212, ucf:45922
Format: Document (PDF)
PURL: http://purl.flvc.org/ucf/fd/CFH2000212

Title: MARITAL STATUS OF EXECUTIVES AND COMPANY PERFORMANCE.
Creator: Day, Ilona, Lu, Yan, University of Central Florida
Abstract / Description: This research paper explores differences in company performance levels, as measured by selected company fundamentals and annual return, with regard to the marital status of top executives, specifically the chief executive officer and the chief financial officer. It examines whether the differences in firm performance are determined by the marital status of the respective business executive. Groups of never married, married, and divorced executives are compared against each other to establish...
Show moreThis research paper explores differences in company performance levels, as measured by selected company fundamentals and annual return, with regard to the marital status of top executives, specifically the chief executive officer and the chief financial officer. It examines whether the differences in firm performance are determined by the marital status of the respective business executive. Groups of never married, married, and divorced executives are compared against each other to establish if and how the company performance changes between these groups. Summary statistics of the examined variables in conjunction with the results of the simple and multiple regression analyses indicate that marriage clearly has a detrimental effect on a firm's performance. By contrast, divorce is beneficial as it contributes to improved firm performance. As previous research has revealed, professional performance of top executives, particularly CEOs, as well as money managers is influenced by distractions originating in their personal life events. Because human attention is naturally limited, major life events, such as marriage or divorce, can have detrimental effects on the professional performance of a business executive, and therefore also on the firm performance. Consistent with the results of previous research, the data analysis identifies marital status of CEOs and CFOs as a significant determinant of firm performance.
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Date Issued: 2017
Identifier: CFH0000226, ucf:44671
Format: Document (PDF)
PURL: http://purl.flvc.org/ucf/fd/CFH0000226

Title: THE COST OF FEELING GOOD.
Creator: Field, Casey M, Sturm, Ray, University of Central Florida
Abstract / Description: The Cost of Feeling Good attempts to quantify the optimum portfolio returns of Socially Responsible Investment Funds and Dual-Purpose Portfolios. In order to meet the demands of investors who want to create a social impact and generate financial returns, investors can choose two methods. For the purpose of this study, the social returns were quantified and the financial returns were quantified using net present value. In every scenario, the socially responsible investment decision generated...
Show moreThe Cost of Feeling Good attempts to quantify the optimum portfolio returns of Socially Responsible Investment Funds and Dual-Purpose Portfolios. In order to meet the demands of investors who want to create a social impact and generate financial returns, investors can choose two methods. For the purpose of this study, the social returns were quantified and the financial returns were quantified using net present value. In every scenario, the socially responsible investment decision generated higher financial returns. Because of the immediate loss to an investor after choosing the DPP strategy, financially, the SRI fund appears to be the better approach for a financially driver investor. In terms of social returns, the DPP has a more clear impact on society. Measured as the charitable contribution given on an $1,000 investment, the socially responsible fund contributes far less to society on a per investor basis. Therefore, if an investor is interested in generating higher social returns and wants to be selective in terms of their charitable donation, they should choose the DPP model. In terms of tax brackets, investors in higher tax brackets have to generate higher financial returns on socially responsible investments in order to match the returns of a DPP. This is also true with investors who invest less in charity. Therefore, the investors that are in the highest tax bracket and contribute little to charity will need to generate far higher SRI returns according to the constructed theory. This finding is important to the growing millennial trend in sustainable investing.
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Date Issued: 2016
Identifier: CFH2000141, ucf:45940
Format: Document (PDF)
PURL: http://purl.flvc.org/ucf/fd/CFH2000141

Title: RECESSION TO DEPRESSION: A CRITICAL DISAMBIGUATION OF THE 2007/2008 FINANCIAL CRISIS AND A MODEL FOR NEW AGE SECURITIES REGULATION.
Creator: Walters, Christian, Milon, Abby, University of Central Florida
Abstract / Description: During the late 2000s the United States economy was faced with the most traumatic event in United States financial history since the Great Depression. Large multibillion dollar corporations collapsed, families lost their life savings, and the United States economy stood on a precipice for total destruction. In the wake of the Financial Crisis, investment firms such as Merrill Lynch collapsed and their portfolios were sold to competitors for far lower than their estimated value (Sorkin). In...
Show moreDuring the late 2000s the United States economy was faced with the most traumatic event in United States financial history since the Great Depression. Large multibillion dollar corporations collapsed, families lost their life savings, and the United States economy stood on a precipice for total destruction. In the wake of the Financial Crisis, investment firms such as Merrill Lynch collapsed and their portfolios were sold to competitors for far lower than their estimated value (Sorkin). In 2008, the Financial Crisis impacted the working man the most. With foreclosures on the rise, an estimated 81.2% increase from the year before, average citizens lost their homes, savings and certainty in the United States Government to protect their best interests (Armour). One of the hardest hit states, Nevada, saw a total foreclosure rate of about 7.3% which was an increase from the previous year of a staggering 125.7% (Armour). All these foreclosures rippled throughout the U.S housing market and made it nigh impossible for the banks securing the loans to collect upon the principle amount loaned, yet alone the interest. The shock from the United States financial sector echoed throughout the world. Correlating with the Financial Crisis, United States and global suicide rates were on the rise. According to a 2009 Article published by the British Medical Journal, United States suicide rates in men age 45-64 increased by over 6.4% of the expected trend ("Male Suicide Rate Rose during 2008 Global Economic Crisis, Says Time-Trend Study"). The Financial Crisis made it so that average individuals felt increased economic strain and an ever looming sense of disparagement. This is an examination and evaluation of the perhaps one of the greatest schemes in the history of global financial markets; this is a critical analysis of how greed, power and a lack of moral decency reshaped the world. This is an examination of how, in an age of deregulation, the powerful seemingly take precedence over the masses. This is the Story of the 2007/2008 Recession, of what has been done, of what we need to do, and of moving forward to assign blame and punishment to those responsible for the pain and suffering incurred by so many.
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Date Issued: 2015
Identifier: CFH0004817, ucf:45474
Format: Document (PDF)
PURL: http://purl.flvc.org/ucf/fd/CFH0004817

Title: GOVERNMENTS' ADOPTION OF NATIVE CRYPTOCURRENCY: A CASE STUDY OF IRAN, RUSSIA, AND VENEZUELA.
Creator: Mahdavieh, Rose, Turcu, Anca, Mousseau, Demet, University of Central Florida
Abstract / Description: The emergence of digital currency is becoming prevalent in the age of globalization - specifically, cryptocurrencies. Cryptocurrencies and blockchain are two recently discovered concepts currently being explored by researchers and developers. Cryptocurrency is a subset of digital currency that encompasses revolutionary technology, shifting political and economic spheres in nation-states. Certain governments are more prone to the adoption of cryptocurrencies and three comparative case study...
Show moreThe emergence of digital currency is becoming prevalent in the age of globalization - specifically, cryptocurrencies. Cryptocurrencies and blockchain are two recently discovered concepts currently being explored by researchers and developers. Cryptocurrency is a subset of digital currency that encompasses revolutionary technology, shifting political and economic spheres in nation-states. Certain governments are more prone to the adoption of cryptocurrencies and three comparative case study countries, Iran, Russia, and Venezuela, have shared attributes that result in adoption. Observed factors that result in the adoption of cryptocurrencies include corruption, GDP level, economic volatility, and Western sanctions. These factors will be applied in the case study countries to analyze the adoption of native government-backed cryptocurrency.
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Date Issued: 2019
Identifier: CFH2000502, ucf:45630
Format: Document (PDF)
PURL: http://purl.flvc.org/ucf/fd/CFH2000502

Title: GDP GROWTH DIFFERENCES AND FINANCIAL CONTAGION: EVIDENCE FROM THE 2008-2009 SUBPRIME CRISIS.
Creator: Marquez, Jose, Aysun, Uluc, University of Central Florida
Abstract / Description: Trend and panel data analyses are used to determine the role of financial variables in GDP growth differences during the last global recession. Real variables are implemented in order to absorb real shocks and give a better (less biased) estimation of the effects of those nominal (financial) shocks. Results indicate an important role of Stock Market correlations.
Date Issued: 2013
Identifier: CFH0004462, ucf:45084
Format: Document (PDF)
PURL: http://purl.flvc.org/ucf/fd/CFH0004462

Title: AN ANALYSIS OF KNOWLEDGE OF THE BIBLE, PRIVATE SCHOOL LAW, AND BUSINESS AND FINANCE BETWEEN CHRISTIAN SCHOOL PRINCIPALS WITH AND WITHOUT GRADUATE DEGREES.
Creator: Robinson, Dennis, Murray, Barbara, University of Central Florida
Abstract / Description: This study analyzed the performance of a sample of K-12 Assemblies of God Christian school principals on the Christian School Principal Preparation Assessment Questionnaire (CSPPAQ). The CSPPAQ, developed especially for this study, assesses knowledge in three areas: knowledge of the Bible, knowledge of private school law, and knowledge of business and finance. A sample size of 102 was determined using the sample size formula, based on a population of 611and a bound of 4 (+ 2). Numerous school...
Show moreThis study analyzed the performance of a sample of K-12 Assemblies of God Christian school principals on the Christian School Principal Preparation Assessment Questionnaire (CSPPAQ). The CSPPAQ, developed especially for this study, assesses knowledge in three areas: knowledge of the Bible, knowledge of private school law, and knowledge of business and finance. A sample size of 102 was determined using the sample size formula, based on a population of 611and a bound of 4 (+ 2). Numerous school closures over the course of this study caused the population size to drop to 490. This fact, coupled with a 45% survey return rate called for an adjustment of the bound to 6.4 (+ 3.2) for a sample size of 42. The scores in each of the three sub-areas as well as the composite score were then analyzed to determine if there was a statistically significant relationship between principals without a graduate degree and those with a graduate degree in Bible/theology, educational leadership and other (any other graduate degree). A single factor ANOVA procedure was used and determined that no statistically significant relationship exists for mean score in knowledge of the Bible (F=1.05, p>.05). Mean score for knowledge of private school law showed a marginally significant difference (F=2.8, p=.054). Mean score in knowledge of business and finance also showed no significant relationship (F=1.7, p>.05) with the same result for the composite score (F=2.18, p>.05). Mean scores in the areas of private school law and business and finance were low (18.7 and 16.2 respectively). Calculating a percentage score for these areas would compute to 53% (18.7/35) and 54% (16.2/30) respectively, indicating a low knowledge base for these areas. Percentage composite score was also low at 63% (55.2/88). The data showed that it did not seem to make a difference whether the respondents had attained a graduate degree in any of the tested fields; there was little or no significant difference in their score. This evidence suggests that no current study program adequately prepares an individual with the knowledge base needed to effectively lead a Christian school, especially in the areas of private school law and business and finance. Given that the review of literature showed that Christian schools most often fail due to financial reasons, this finding is particularly significant. It was suggested that universities look at the principal preparation programs to determine if they can add material which would help to better prepare the Christian school principal. This study indicates a knowledge deficit in the areas of business and finance and private school law, materials added in those areas might prove helpful to this group. Follow-on study was suggested in a larger population of Christian schools, perhaps in the Association of Christian Schools International, to more definitively determine if specially designed graduate programs need to be developed for this population of administrators.
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Date Issued: 2011
Identifier: CFE0003879, ucf:48726
Format: Document (PDF)
PURL: http://purl.flvc.org/ucf/fd/CFE0003879

Title: HOW BEHAVIORAL FACTORS ARE BEING IMPLEMENTED INTO TODAY'S FINANCIAL EDUCATION PROGRAMS.
Creator: Perez, Esperanza, Gilkeson, Jim, University of Central Florida
Abstract / Description: This research examined 50 financial education programs within the state of Florida. The purpose of the research was to survey financial education program providers to see how they are evolving to meet the sociological, psychological and behavioral factors that affect individual's financial decision making. In constructing the survey I referenced articles, journals and publications regarding how certain factors can affect an individual and their ability to apply financial education to their...
Show moreThis research examined 50 financial education programs within the state of Florida. The purpose of the research was to survey financial education program providers to see how they are evolving to meet the sociological, psychological and behavioral factors that affect individual's financial decision making. In constructing the survey I referenced articles, journals and publications regarding how certain factors can affect an individual and their ability to apply financial education to their daily life. This review of previous research showed that tailored education, to determine a participant's means, ability and goals, is the best way to help participants achieve financial independence. In this literature review no specific details were found on how programs are evolving or how existing program offerings are filling the need for tailored financial education. This topic is important because financial decisions that people make will not only affect current generations but also future generations. I contacted 50 agencies with a 27 question survey regarding their basic organizational structure, funding, program details, success determinants, primary program goals and focus, and marketing strategies. 36% of those contacted, or 18 organizations, responded. All responses were compiled and compared to determine relationships among program structures, offerings, and goals. The primary findings were that most organizations opened after 2000, have budgets under $100,000 funded primarily by two main sources, and their main goals are to provide basic knowledge and education to help participants improve financial decisions. In addition, most programs conduct a pre-post survey or get participant feedback to evaluate programs and use the number of participants at meetings as their main success factor. The majority of programs do not collect financial information, however they provide one-on-one counseling to focus on tailoring education to 501+ participants per year. Recommendations for future research are to increase the number of respondents, look deeper into funding requirements, the program lifecycle, marketing strategies employed and their effectiveness, and what specific financial education topics programs are addressing. This will add to existing research by providing a broader view of the financial education landscape and help programs to evolve to meet the need for tailored education.
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Date Issued: 2015
Identifier: CFH0004729, ucf:45374
Format: Document (PDF)
PURL: http://purl.flvc.org/ucf/fd/CFH0004729

Title: Schools and the crisis.
Creator: David, Rex
Date Issued: 1934
Identifier: 368032, CFDT368032, ucf:5376
Format: Document (PDF)
PURL: http://purl.flvc.org/FCLA/DT/368032

Title: THE RELATIONSHIP BETWEEN CONSUMER DEBT AND MENTAL HEALTH.
Creator: Simmons, Jennifer, Abel, Eileen, University of Central Florida
Abstract / Description: Consumer debt is a growing phenomenon in the US and throughout the world. The beginning of the 21st century has been defined by such an incredible growth in consumer debt that American families have increased their debt relative to personal income four times faster than in the 1990s. Since the Federal Reserve began measuring the amount of American consumer debt and consumer income in the 1980s, consumer debt never exceeded consumer income until 2004 when it reached 104.8% of income. In the...
Show moreConsumer debt is a growing phenomenon in the US and throughout the world. The beginning of the 21st century has been defined by such an incredible growth in consumer debt that American families have increased their debt relative to personal income four times faster than in the 1990s. Since the Federal Reserve began measuring the amount of American consumer debt and consumer income in the 1980s, consumer debt never exceeded consumer income until 2004 when it reached 104.8% of income. In the last two decades, researchers have observed a significant correlation between debt and mental health. The purpose of this thesis is to examine a comprehensive sample of previous quantitative research conducted on the relationship between debt and mental health. This thesis discusses the research in the following categories: 1) increased debt as a contributor to decreased mental health; 2) decreased mental health as a contributor to increased debt; 3) high correlation between debt and mental health risks.
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Date Issued: 2013
Identifier: CFH0004407, ucf:45107
Format: Document (PDF)
PURL: http://purl.flvc.org/ucf/fd/CFH0004407

Title: An economic analysis of child care and low-income mothers.
Creator: Donnan, Brenda C., Hosni, Djehane, Business Administration
Abstract / Description: University of Central Florida College of Business Administration Thesis
Date Issued: 1979
Identifier: CFR0011947, ucf:53102
Format: Document (PDF)
PURL: http://purl.flvc.org/ucf/fd/CFR0011947

Title: Design and Implementation Plan for the "I Am Potential" Financial Literacy Education Program.
Creator: Louis, Tureka, Hopp, Carolyn, Robinson, Edward, Vitale, Thomas, Hayes, Burnice, University of Central Florida
Abstract / Description: ABSTRACTThis Financial Literacy Program Model is a proposed solution to the problem of financial illiteracy among the working poor. Over 80 percent of adults in America are not financially literate, yet more than half believe themselves to be (OECD, 2005). No community is more adversely affected by this fallacy than the working poor. Earning income, yet living below the poverty line, this group is as deceived as any other by the misconception that increased income is their sole remedy rather...
Show moreABSTRACTThis Financial Literacy Program Model is a proposed solution to the problem of financial illiteracy among the working poor. Over 80 percent of adults in America are not financially literate, yet more than half believe themselves to be (OECD, 2005). No community is more adversely affected by this fallacy than the working poor. Earning income, yet living below the poverty line, this group is as deceived as any other by the misconception that increased income is their sole remedy rather than a small part of the complex equation greatly influenced by financial literacy. Drawing upon a review of related literature, observation of a successful program, and interviews, three barriers to financial literacy education are presented and addressed in this program's design. 1) Overblown financial self-efficacy spawns the popular belief held by most financially illiterate individuals that they are financially literate (OECD, 2005). 2) Lack of differentiation is prevalent. Existing programs cover basic financial topics with a one size fits all approach. 3) Although attrition rates are high, there are few motivational interventions in place within currently existing programs. These obstacles combined with the unique set of circumstances faced by the working poor exacerbate financial illiteracy and its related issues. This program was designed as part of the I Am Potential, Inc initiative (IAP) (-) an effort to assist individuals who desire to enhance their lives. In particular, IAP targets underserved communities. The (")I Am Potential(") Financial Literacy Program Model and Implementation Plan addresses these issues through instructional design with pre- and post-treatment financial self efficacy and motivation assessments along with differential instructional delivery methods, including a variety of modes and durations available for a distinctive learner population. Themodel accommodates the subsequent addition of coursework for enhancement in other life domains.
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Date Issued: 2014
Identifier: CFE0005203, ucf:50620
Format: Document (PDF)
PURL: http://purl.flvc.org/ucf/fd/CFE0005203

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2008 (2)	+ -
Corporate Social Responsibility (2)	+ -
economics (2)	+ -

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