Financial Challenges Research Articles

Assessing psychosocial risk factors in children with Sickle Cell Disease

BackgroundIndividuals with Sickle Cell Disease (SCD) are a minoritized and marginalized community that have disparate health outcomes as a result of systemic racism and disease-related stigma. The purpose of this study was to determine the psychosocial risk factors for families caring for children with SCD at a pediatric SCD center through use of the Psychosocial Assessment Tool (PAT), a validated caregiver-report screener.MethodsThe PAT was administered annually during routine clinical visits and scored by the SCD Social Worker to provide tailored resources to families. The PAT stratifies scores into 3 categories of psychosocial concern: Universal, Targeted, Clinical. PATs administered between September 2021-December 2022 were analyzed.ResultsTwo hundred twenty-five PATs were included for analysis. Most caregivers identified as Black, single Women over 21 years old with a high school degree or more. The average patient age was 8.2 years (0–22 years). Sixty-seven percent of PATs fell into the Universal category. Dyads that scored in the Targeted or Clinical categories were more likely to report financial hardship, caregiver mental health concerns, and family stressors (p < 0.001). Nearly 50% of all families reported some form of financial difficulty, including almost 40% in the Universal category.ConclusionsUniversal implementation of a psychosocial risk screener identified financial challenges for many families, as well as caregiver burden and mental health concerns, allowing for timely resource support. However, overall risk for many of these families was categorized as Universal or low risk, indicating that distribution of resources and support cannot be based on PAT category alone.

The Impact of the COVID-19 Pandemic on Cultural Tourism in the Republic of Kosovo: Decent Work and Economic Growth

Objective: This study investigates the impact of the COVID-19 pandemic on the cultural sector in Kosovo, aiming to identify challenges, assess recovery strategies, and propose measures for sustainable development. It highlights the role of culture in fostering resilience, well-being, and social cohesion during crises. Theoretical Framework: The research is based on theories of cultural resilience, creative economy, and crisis management. These frameworks provide insights into the cultural sector’s vulnerabilities and its potential as a driver for societal recovery and transformation. Method: A qualitative, exploratory approach was employed, utilizing direct surveys, semi-structured interviews, and document analysis. Data were gathered from stakeholders in the formal cultural sector and the independent cultural scene to evaluate their experiences and needs during the pandemic. A SWOT analysis further structured the findings. Results and Discussion: The study reveals significant financial, infrastructural, and operational challenges for the cultural sector during the pandemic, alongside a lack of institutional support. However, it also identifies opportunities for innovation, digitalization, and collaboration. These results are discussed within the context of the theoretical framework, with practical recommendations to address weaknesses and leverage strengths for recovery. Research Implications: The study emphasizes the urgency of targeted government support, enhanced public policies, and sustainable funding mechanisms to revitalize Kosovo’s cultural sector. It also highlights culture’s critical role in mental health, community resilience, and economic recovery. Originality/Value: By providing a comprehensive analysis of Kosovo’s cultural sector during a global crisis, this research offers practical recommendations and contributes to broader discussions on cultural resilience and sustainable development in similar contexts globally.

EXAMINING THE TRANSITIONAL JOURNEY: A MULTIPLE CASE STUDY OF A FORMER EMPLOYEES TURNED TO COLLEGE STUDENTS

This study aimed to explore and understand the experiences of Former Employees who turned back to college students. Using purposive sampling and inclusion criteria, the participating three (3) Kapalong College of Agriculture Sciences and Technology (KCAST) students who are former employees were identified. All of them participated in the in-depth interviews. This study employed a qualitative research methodology grounded in case studies to gain a deeper understanding of participants' experiences. Such an approach is beneficial for qualitative researchers as it guides hypothesis development through detailed investigations of small groups. Results revealed the challenges of the participants: struggling in adapting to changing social and professional environment; juggling between work and studies: and financial challenges in the pursuit of education. In response to the challenges they have encountered, they deem the following coping strategies essential; turning pressure into motivation; and empowering oneself through prayer and guidance. Upon reflecting on their entire experience, they arrived at the following insights; essence of striving for greater aspiration; importance of work experience in career progression; and education as pathway to advance career positions. It can be concluded that the transition from former employees to college students represents a transformative and enriching journey characterized by challenges, growth, and fresh opportunities. These individuals exhibit resilience and commitment as they balance work responsibilities and academic pursuits. The perspectives and diverse backgrounds they bring add valuable insights, contributing to a vibrant learning atmosphere that enhances the educational experience. KEYWORDS: Former Employees, College Students, Multiple-Case Approach, Qualitative, Cross-Case Analysis

Microaerobic biodegradation of aromatic hydrocarbon mixtures: strategies for efficient nitrate and oxygen dosage

The biodegradation of organic aromatic compounds in subsurface environments is often hindered by limited dissolved oxygen. While oxygen supplementation can enhance in situ biodegradation, it poses financial and technical challenges. This study explores introducing low-oxygen concentrations in anaerobic environments for efficient contaminant removal, particularly in scenarios where coexisting pollutants are present. An innovative strategy of alternating nitrate-reducing and microaerobic conditions to stimulate biodegradation is proposed, utilizing nitrate initially to degrade easily-degradable compounds, and potentially reducing the need for additional oxygen. Batch experiments were conducted to assess the biodegradation of a BTEX, indene, indane, and naphthalene mixture using groundwater and sediments from an anaerobic contaminated aquifer. Two set-ups were incubated for 98 days to assess the redox transitions between microaerobic (oxygen concentrations < 0.5 mg O2 L−1) and nitrate-reducing conditions, aiming to minimize external electron acceptor usage while maximizing degradation. Comparative experiments under fully aerobic and fully anaerobic (nitrate-reducing) conditions were conducted, revealing that under microaerobic conditions, all compounds were completely degraded, achieving removal efficiencies comparable to fully aerobic conditions. A pre-treatment phase involving nitrate-reducing conditions followed by microaerobic conditions showed more effective utilization of oxygen specifically for contaminant degradation compared to fully aerobic conditions. Contrarily, under fully anaerobic conditions, without oxygen addition, partial degradation of ethylbenzene was observed after 400 days, while other compounds remained. The outcomes of this study can provide valuable insights for refining strategies involving oxygen and nitrate dosages, thereby enhancing the efficacy of in situ bioremediation approaches targeting complex hydrocarbon mixtures within anaerobic subsurface environments.Key points• BTEX, indene, indane, and naphthalene mix biodegraded under microaerobic conditions• Subsurface microorganisms swiftly adapt from nitrate to microaerobic conditions• More oxygen directed to hydrocarbon biodegradation via a pre-anaerobic treatment

Preserving the Academic Mission Amid Radiologist Shortages and Financial Pressures.

Academic radiology practices are navigating unprecedented operational and financial challenges, including a growing radiologist shortage, escalating imaging volumes, and mounting financial pressures driven by rising salaries, increasing practice expenses, and declining reimbursements. To address these challenges, academic department leaders must prioritize securing enhanced hospital professional service agreements and renegotiating outpatient imaging agreements. These strategic initiatives are essential to sustaining academic missions and ensuring long-term success.

Parents’ views and experiences of raising babies born with cleft lip and palate: a qualitative study

BackgroundParents of children born with cleft lip/palate encounter numerous challenges. This study aims to provide a deeper understanding for authorities to better support these parents by exploring the views and experiences of Iranian parents raising babies with cleft lip/palate through qualitative research.MethodsThis qualitative study collected data through face-to-face, in-depth, semi-structured interviews. Using purposive sampling, parents of children with cleft lip/palate who visited the Department of Oral and Maxillofacial Surgery at the Children’s Medical Center in Tehran, Iran, were selected. Thematic content analysis was employed to interpret the data and identify themes and subthemes.ResultsFrom 20 interviews, six themes were identified. The diagnosis theme was associated with timing. Key concerns within the psychosocial experiences theme included initial reactions, pressure from society, the child’s future in the community, hiding from family, feeling guilty about the anomaly, and couples’ relationships. The challenges in childcare theme included feeding difficulties, financial challenges, and cleft treatments. The information acquisition theme included primary awareness and the importance of knowing how to care for the child. The coping theme included gaining awareness, accepting the problem as God’s will and destiny, minimizing the significance of the child’s cleft, and support. Parents had concerns about informing the child of his/her condition.ConclusionsParents of infants with cleft lip/palate feel unsupported by medical staff in feeding practices and seek improved training for staff. They propose a program to empower staff and advocate for psychological support for parents. Access to specialized baby bottles and financial support is crucial, along with establishing a parent-led community for sharing experiences.

Exploring climate change investment initiatives and funding challenges among faith‐based organizations in Ghana

AbstractMotivationFaith‐based organizations (FBOs) have a significant role to play at a time of environmental upheavals, but their ability to mobilize climate funds in sub‐Saharan Africa, especially Ghana, remains under question.PurposeThe study asked three questions: (1) What spectrum of climate change investment opportunities are FBOs seeking? (2) What are the untapped climate change investment opportunities that FBOs can pursue? (3) What are the constraints that hinder FBOs in mobilizing funds to finance these opportunities?Approach and methodsA qualitative research approach was adopted for the study and 18 FBOs in Ghana were purposively selected as a sample for the study.FindingsThe study uncovered the spectrum of climate change investment opportunities pursued by FBOs in the areas of agriculture and waste. However, there are untapped climate change investment opportunities in the energy and transport sectors. The constraints associated with mobilizing climate finance are ideological differences, knowledge gaps, limited institutional capacity, and bureaucratic bottlenecks.Policy implicationsClimate action funders need to reduce complications surrounding the means of obtaining funding and streamline their funding requirements to suit FBOs. They should also reassess their credibility evaluation standards to help FBOs from being sidestepped due to limited funding track records, despite the promising adaptation and mitigation initiatives they may have to offer. FBOs must upgrade their skills in the climate finance landscape by taking advantage of capacity‐building programmes and training that seek to increase their understanding of the climate finance opportunities and requirements of climate funders.

Central Bank Digital Currencies: A review of global trends in adoption, financial inclusion, and the role of country characteristics

The global adoption of Central Bank Digital Currencies (CBDCs) represents a pivotal shift in monetary systems, driven by technological advancements and economic imperatives. While a small number of official digital currencies are in circulation, many nations are launching pilot programs to address financial inclusion challenges and enhance economic resilience. This study aims to identify the determinants of digital currency adoption across 116 countries, using logistic regression to analyze the effects of economic, technological, institutional, and financial factors.The results show that higher GDP levels significantly increase the likelihood of active CBDC adoption by 332.1 percent and pilot adoption by 212.6 percent, reflecting the role of economic development. Greater internet usage improves the odds of active adoption by 12.7 percent and pilot adoption by 13.4 percent, while financial inclusion indicators, such as account ownership, increase the likelihood of adoption by 59 percent for active initiatives and 141 percent for pilot projects. Monetary freedom positively influences active adoption by 31.1 percent, and higher interest rates increase the odds by 20.8 percent. Conversely, business freedom negatively affects active adoption by 27.5 percent and pilot adoption by 29.1 percent, suggesting that countries with strong private-sector digital payment solutions may rely less on CBDCs.These findings represent the transformative potential of digital currencies to improve financial inclusion and economic participation. Policymakers should prioritize investments in digital infrastructure and financial inclusion initiatives to facilitate the integration of digital currencies into national economies and empower underserved populations globally.

EVALUATING THE FINANCIAL PROBLEMS AND PROSPECTS OF MICRO AND SMALL-SCALE ENTERPRISES OF AHMEDABAD CITY

Micro, Small, and Medium Enterprises (MSMEs) are pivotal to economic growth, contributing significantly to employment and industrial development. Despite their importance, these enterprises frequently encounter financial challenges that hinder their growth and stability. This study explores the financial issues faced by MSMEs through a sample of 120 respondents from Ahmedabad city, using a detailed questionnaire to collect data. The research reveals that MSMEs, especially those in urban areas and engaged in manufacturing, face varied financial difficulties influenced by their business nature and ownership structure. Key findings highlight a predominant reliance on personal savings and informal financial sources, indicating gaps in formal financial support. The study's originality lies in its targeted analysis of different enterprise profiles and financial solutions, offering insights into improving financial assistance tailored to MSME needs. The results underscore the need for policy interventions and innovative financial products to better support these vital enterprises.

Factors Driving Social Capital Participation in Urban Green Development: A Case Study on Green Renovation of Old Residential Communities Under Urban Renewal in China

Urban green development is crucial for citizen well-being and serves as a key pillar of sustainable development strategies. Collaborative governance mechanisms help address management, technical, and financial challenges in urban green development. The renovation of old residential communities within the context of urban renewal is becoming a focal point in the development of Chinese cities. To promote green development in the renovation of old residential communities in China, this study introduces the collaborative governance mechanism of government–social capital cooperation and identifies the factors influencing social capital participation in green development. A hybrid approach is proposed, combining grounded theory, IGAHP subjective weighting, CRITIC objective weighting, game theory, and ISM. This approach is applied to identify, evaluate, and analyze the factors driving social capital participation in the green renovation of old residential communities. The results indicate that government incentives and constraints, policy support, the costs and benefits of implementing green renovation, the development of green renovation technologies, and construction technical abilities significantly influence the decision-making of social capital. The findings provide theoretical support for decision-making by governments and social capital in participating in the green renovation of old residential communities and offer a methodological reference for analyzing social capital participation in other urban green development projects and for further policy formulation. Future research should focus on examining social capital involvement in other types of urban green development projects.

Broke and Broken: The Crises Facing Local Government in England

AbstractEnglish local government faces a perilous position owing to insufficient funding, structural issues and capacity challenges. Fourteen years of austerity have significantly reduced council budgets, while increased demand for services—particularly adult social care—has strained resources. The current funding system is regressive and fails to incentivise economic growth, and the structure of local government is not fit for purpose due to a focus on unitary authorities, which are sub‐optimal for service delivery. To address these issues, this article proposes a four‐tier system of local government, a more robust funding mechanism and electoral reforms to ensure effective governance and representation.

Can AI help with your personal finances?

ABSTRACT In recent years, Large Language Models (LLMs) have emerged as a transformative development in artificial intelligence (AI), drawing significant attention from industry and academia. Trained on vast datasets, these sophisticated AI systems exhibit impressive natural language processing and content generation capabilities. This paper explores the potential of LLMs to address key challenges in personal finance, focusing on the United States. We evaluate several leading LLMs, including OpenAI’s ChatGPT, Google’s Gemini, Anthropic’s Claude, and Meta’s Llama, to assess their effectiveness in providing accurate financial advice on topics such as mortgages, taxes, loans, and investments. Our findings show that, while these models achieve an average accuracy rate of approximately 70%, they also display notable limitations in certain areas. Specifically, LLMs struggle to provide accurate responses to complex financial queries, with performance varying significantly across different topics. Despite these limitations, the analysis reveals notable improvements in newer versions of these models, highlighting their growing utility for individuals and financial advisors. As these AI systems continue to evolve, their potential for advancing AI-driven applications in personal finance becomes increasingly promising.

A Graduate Tracer Study for the Bachelor of Arts in Theology Program of King's College of the Philippines, Benguet

Acknowledging the requirements set forth by the Commission on Higher Education (CHED) and accrediting agencies, the researchers identified a crucial need for this study. This study examines the career trajectories and ministerial engagement of Bachelor of Arts in Theology graduates from King's College of the Philippines between 2014 and 2020, evaluating the applicability of their theological training. The research employed an explanatory sequential design, integrating descriptive surveys and semi-structured interviews to gather data from 89 graduates. Two of these 89 graduates were deceased, leaving 87 available for the study. Out of these, 87, 68 responded, providing complete data sets for analysis. Data was collected using a modified CHED tracer template via physical distribution, email, and online platforms. The analysis employed descriptive statistics and thematic analysis. Key findings indicate that 76.47% of graduates are in ministry roles such as senior pastors, youth leaders, and worship directors. Due to limited financial remuneration from small congregations, most graduates work part-time and seek supplementary secular employment. The curriculum demonstrated high applicability in teaching, personal development, and community relations, though pastoral counseling ranked slightly lower. Graduates acknowledged the program's effectiveness in preparing them for ministry and bi-vocational careers, including education and social services roles. The study highlights the dual applicability of the program to ministry and alternative careers, recommending enhancements to the internship period, curricular updates, and increased post-graduation support to address the financial and professional challenges faced by theology graduates.

A Low-Cost Workflow to Generate Virtual and Physical Three-Dimensional Models of Cardiac Structures.

Three-dimensional modeling and printing (3DMP) of anatomical structures from cross-sectional imaging data can enhance the understanding of spatial relationships in complex congenital heart defects. Partially due to the substantial financial, material and personnel resources required, 3DMP is not yet universally used. Here, we describe a workflow that addresses and eliminates these drawbacks. The workflow utilizes the open-source software "3D Slicer" (The Slicer Community) and "Blender" (Blender Foundation) for segmentation and post-editing of datasets. This approach enables the generation of virtual or physical 3D models. The physical models are printed using a standard fused deposition modeling printer. The financial challenges that likely constrain the wider use of 3DMP are largely addressed by this approach. However, the workflow still requires a considerable amount of time to manually segment the imaging data. Three-dimensional modeling and printing might improve planning and safety of congenital cardiac surgical treatment. Furthermore, it is a useful tool for education of parents and medical professionals. This workflow increases its suitability for routine use also in regions with low economic resources.

Advancing energy efficiency: innovative technologies and strategic measures for achieving net zero emissions

To evaluate the essential role of energy efficiency in achieving net-zero emissions and combating climate change, this comprehensive review was conducted based on a thorough analysis of academic literature, diverse case studies, and industry reports, focusing on key energy efficiency sectors and technological advancements. It begins by outlining global efforts, including the Paris Agreement and the Sustainable Development Goals, which have driven initiatives to enhance energy efficiency across various sectors. The review examines key technological innovations, such as advanced manufacturing, energy-efficient building designs, transportation electrification, and smart grid integration contributing to energy savings and decarbonization. It also discusses policy frameworks, regulatory incentives, and financial mechanisms that encourage energy efficiency. The study provides the detailed outcomes of the different strategies and initiatives, showcasing successful case studies from different regions in transportation, urban planning, power generation, and industry. It illustrates how countries have effectively implemented energy efficiency measures to reduce emissions and meet climate goals. Additionally, the review explores the potential of emerging technologies, including artificial intelligence, big data, and blockchain, to optimize energy management, enhance grid flexibility, and promote further efficiencies. Despite these advancements, the review identifies several key barriers - financial, technological, and behavioral challenges that impede the widespread adoption of energy-efficient practices. Finally, it offers strategies to overcome these obstacles, emphasizing the need for tailored policies, innovative business models, and greater consumer engagement. This review underscores the importance of energy efficiency in achieving a sustainable, net-zero future by synthesizing successful case studies and highlighting emerging solutions.

Economic Burden of Sickle Cell Disease in Saudi Arabia

ObjectiveThis study aimed to determine the direct and indirect costs of sickle cell disease (SCD) in Saudi Arabia. MethodsData were collected from 217 participants aged ≥18 years in the eastern region of Saudi Arabia, using a prevalence-based cost-of-illness approach. The Institute for Medical Technology Assessment Medical Consumption Questionnaire and Institute for Medical Technology Assessment Productivity Cost Questionnaire were used to assess costs. A multistage process was used, encompassing patient data collection over 3 months, cost calculation from clinic visits and drug prices, and extrapolation for annual estimates. ResultsThe study revealed substantial societal costs of SCD, with an average per-patient cost of SAR181 899 (US$48 506), covering healthcare and productivity losses. Healthcare costs, including hospitalization, informal care, and medication, averaged SAR80 306 (US$21 415). In addition, productivity costs, including unpaid work and presenteeism, averaged SAR101 594 (US$27 092). Obtaining higher levels of education, such as a diploma and BSc degree or higher, has been found to significantly decrease the costs associated with SCD (P = .016, P = .001). Furthermore, when comparing different employment statuses, students (B = −0.301, P = .058) were found to have marginally lower SCD costs, suggesting that their expenses were lower than those of individuals in other employment categories. The predictive model used in this study explained 11.2% of the variation in costs. ConclusionOur study highlights a significant economic burden of SCD in Saudi Arabia and highlights the need for targeted strategies to alleviate financial challenges and improve patient well-being.

Review of wind futures by Gaussian and Lévy jump risks

Wind power futures, once a hedging tool in energy-related derivatives markets were discontinued due to low liquidity. However, recent increases in electricity price spreads have introduced new financing challenges for renewable energy projects in Europe, leading to heightened price risks and a renewed demand for such instruments. Also, the regulation on renewable electricity for renewable fuels of non-biological origin (RFNBO) — compliant hydrogen production poses a supply uncertainty risk to hydrogen developers. As both such project developers seek ways to mitigate these risks, this paper reviews the existing literature on modelling strategies for hedging wind power production risks. The review, based upon a structured literature review following vom Brocke et al. (2009), provides a comprehensive overview of arbitrage models incorporating seasonal elements and stochastic jump risks, as well as equilibrium pricing models. The variations and conclusions of these models are analyzed in the context of the altered market conditions in 2024. This analysis offers insights into the applicability of current models for pricing risk premia and identifies gaps under the evolving market realities.

INCIDENCE OF DEPRESSIVE DISORDERS AMONG FEMALES WITH POLYCYSTIC OVARY SYNDROME (PCOS) IN FAISALABAD, PAKISTAN

Polycystic Ovary Syndrome (PCOS) is a prevalent endocrine disorder among young females, associated with physical, metabolic, and psychological comorbidities. This study investigates the incidence of depressive disorders among unmarried females aged 16-24 years with PCOS in Faisalabad, Pakistan. A cross-sectional design with convenience sampling was employed, involving 80 participants attending gynecological clinics. Data were collected using an interview schedule, and the Hamilton Depression Rating Scale (HDRS) was used to assess depression levels. Statistical analysis was conducted using SPSS, including chi-square and gamma tests for hypothesis testing. Findings revealed a high prevalence of depression, with 36.3% of participants experiencing severe depression and 31.3% very severe depression. Key contributing factors included older age (22-24 years), longer duration since diagnosis, and low socioeconomic status. The study also highlighted the role of education, timely diagnosis, and financial challenges in exacerbating the psychological and physical burden of PCOS. Surprisingly, more educated respondents reported higher depression levels, potentially due to greater awareness of the syndrome's long-term effects. Regular mental health screening, awareness campaigns promoting healthy lifestyles, and access to affordable treatment options are essential to mitigate the impact of PCOS on mental health.

Obliterating The Financial Challenges Extenuating SMEs in Lagos, Nigeria Through The Instrumentality of Mushārakah: A Qualitative Assessment

Purpose: The rate at which financial challenges are mitigating the growth of SMEs in Nigeria requires diligent attention from researchers. This research work hereby aims to obliterate the financial challenges extenuating SMEs in Lagos, Nigeria, through the instrumentality of Mushārakah. Methodology: A qualitative case study approach was employed to achieve this objective. Nineteen (19) respondents who fit the criteria were interviewed, and their responses were analyzed using a qualitative method of data analysis. Findings: The study revealed that many SME owners are not fully aware of the operation of Islamic banks in Nigeria. Respondents equally revealed that they used private funds when they started their business. However, they are now better exposed to the benefits of the Islamic banking system. SMEs in Nigeria do not maintain proper books of account; during the loan inspection process, SME owners were advised to keep an appropriate record of the goods they sold and their earnings. This study concluded that entrepreneurs are not fully aware of the terms of Islamic Financing; SME owners are willing to embrace Islamic funding since it is free from interest and less expensive. This study recommended that more SMEs approach Islamic banks for financial assistance to obliterate the financial challenges extenuating SMEs in Lagos, Nigeria, through the instrumentality of Mushārakah. Significance: This research is among the few studies highlighting the financial challenges extenuating SME operations in Lagos, Nigeria, and established Mushārakah as a vital instrument to address the financial challenges extenuating SME operations in Lagos.

FINANCIAL HEALTH AND WELL-BEING OF RURAL CAREGIVERS OF OLDER ADULTS WITH CHRONIC ILLNESSES

Abstract Rural caregivers experience various financial stressors and challenges in providing care to their ill family members. Rural health disparities such as limited access to care, economic opportunities, resources, and support pose increased financial threats and insecurity resulting in poor patient and caregiver outcomes. Our study aimed to explore perceived financial stressors/challenges and their impacts on the self-care and well-being of rural caregivers of older family members with serious chronic illness. Using a purposive sampling approach, we did qualitative interviews among N=20 rural female caregivers caring for their older family member with any serious chronic illness. Interviews were done in-person and online, interview duration was about 30-45 minutes. Data was transcribed and analyzed deductively and inductively using thematic content analysis. Major financial impacts of caregiving included: leaving job or reducing work hours, time constraints on caregivers’ self-care, inability to balance family relations and caregiving roles, and difficulty navigating financial processes in the existing healthcare system. These challenges led to cutting down on groceries, reliance on retirement savings, and lack of personal time. Participants faced sleep and diet disruptions, shouldered financial decisions alone with limited or no support, and felt guilty over unfulfilled care recipient wishes due to financial constraints. Adequate self-care, coping, and well-being are associated with improved financial well-being and reduced financial threat. Caregiver support programs should focus on strategies and interventions to improve the financial well-being and overall quality of life of caregivers in the rural communities.