Experiencing Material Hardship Research Articles

Conditions of Poverty, Parent-Child Interactions, and Toddlers' Early Language Skills in Low-Income Families.

Objectives The study examined the relations between parent-child interaction in the first year of life to toddlers' language skills at age 2years for a sample of children reared in poverty; of specific interest was testing the Family Stress Model, which proposes that the conditions of poverty influence children's language skills through caregiver well-being (e.g., distress, depression) and interaction dysregulation. Methods Participants were from the Kids in Columbus Study, a birth-cohort study of children born to urban families experiencing material hardship. Caregiver questionnaires were collected when the child was 4-7months to document poverty conditions (maternal hardship, institutional resources), caregiver well-being (depression, distress), and dysregulation in parent-child interactions. The Bayley-III assessed receptive and expressive language skills when the children were 2years. Results On average, receptive language skills were nearly 1 SD below the normative mean. Path models showed a significant effect of caregiver-child dysregulated interactions on toddlers' language skills, and an indirect effect of maternal distress on parent-child interactions and, in turn, toddlers' language skills. Conclusions for Practice This study confirmed the theoretical Family Stress Model as a viable representation of the effects of poverty on the language skills of toddlers reared in homes experiencing socioeconomic disadvantage.

Material hardship and self-rated health among low-income households in South Korea

ABSTRACTConcerns over poverty and health inequality are growing in South Korea. Using advanced statistical methods including lagged-dependent variable and fixed-effects approaches, we investigated whether experiencing material hardship (MH) was associated with self-rated health (SRH) among low-income households in South Korea. This study found that the experience of MH was positively associated with higher likelihood of reporting poor SRH (OR = 1.42, p < .05) and that experiencing two or more items of MH presented more harmful influence on SRH (OR = 2.02, p < .001). This study also found that the negative association between MH and SRH was stronger among the unemployed households.

A longitudinal study on risk factors of grade retention among elementary school students using a multilevel analysis: Focusing on material hardship and lack of school engagement

Given the recent skyrocketing rates of grade retention and their adverse effects, better understanding is needed to identify intervention practices that ameliorate risk factors across school and family domains. This prospective, longitudinal study examines the relationship between material hardship, school engagement, and grade retention among at-risk elementary school children (N = 4329) from 410 public elementary schools in Louisiana. The study utilized multilevel logistic regressions with a two-level hierarchical structure to address the nesting effects of children within schools. Baron and Kenny's mediation analysis approach was used to identify the mediating effect of school engagement on the relationship between material hardship and grade retention. Results show that 42.34% of children in the sample repeated at least one grade over the four school years examined in this study. Material hardship was associated with a greater likelihood of grade retention, and this association was partially mediated by levels of school engagement. This study suggests that children in families experiencing material hardship need interventions not only for basic needs, but also for interventions that increase levels of engagement in school. Addressing material hardship and low levels of school engagement may have profound implications on school success.

Housing affordability and material hardship: Does affordability measurement matter?

ABSTRACTThis study examines the association between housing affordability and risk of household material hardship among a sample of 3,311 low-income urban families. Results from pooled regression and fixed-effects models indicate that household rent burden and city rents are more consistently associated with hardship than affordable housing supply. Most notably, a change in rent burden is associated with 25% increased odds of experiencing material hardship. These findings suggest a need for assistance programs that account for geographic variation in the cost of living as well as increased access to housing assistance to reduce household rent burden.

In New Survey Of Eleven Countries, US Adults Still Struggle With Access To And Affordability Of Health Care.

Surveys of patients' experiences with health care services can reveal how well a country's health system is meeting the needs of its population. Using data from a 2016 survey conducted in eleven countries-Australia, Canada, France, Germany, the Netherlands, New Zealand, Norway, Sweden, Switzerland, the United Kingdom, and the United States-we found that US adults reported poor health and well-being and were the most likely to experience material hardship. The United States trailed other countries in making health care affordable and ranked poorly on providing timely access to medical care (except specialist care). In all countries, shortfalls in patient engagement and chronic care management were reported, and at least one in five adults experienced a care coordination problem. Problems were often particularly acute for low-income adults. Overall, the Netherlands performed at the top of the eleven-country range on most measures of access, engagement, and coordination.

Material hardship and children's social-emotional development: Testing mitigating effects of Child Development Accounts in a randomized experiment.

Research has established a negative association between household material hardship and children's mental health. This study examines whether Child Development Accounts (CDAs), an economic intervention that encourages families to accumulate assets for children's long-term development, mitigate the association between material hardship and children's social-emotional development. Researchers conducted a randomized experiment of CDAs in Oklahoma, USA, with a probability sample (N = 7328) of all infants born in two 3-month periods in 2007. After agreeing to participate in the experiment, caregivers of 2704 infants completed a baseline survey and were assigned randomly to the treatment (n = 1358) or control group (n = 1346). The intervention exposed the treatment group to a CDA, which consisted of an Oklahoma 529 College Savings Plan account, financial incentives and financial information. Material hardship has a negative association with the social-emotional development of children around the age of 4 years. Estimates from regression analysis indicate that CDAs mitigate about 50% of the negative association between material hardship and children's social-emotional development. Although they do not provide direct support for consumption in households experiencing material hardship, CDAs may improve child development by influencing parenting practices and parents' expectations for their children. We discuss the implications of using asset-building programmes to improve child development.

저소득층의 물질적 어려움과 음주 : 자아존중감과 가족갈등의 매개효과를 중심으로

This study aimed to examine the association between material hardship and alcohol use among low-income households in Korea, with particular attention to whether the association was mediated by family conflict and self-esteem. Using a nationally representative sample of 960 low-income households, this study conducted a path analysis to test a structural model liking material hardship to alcohol use through family conflict and self-esteem. The significance of indirect paths was tested by a Sobel test. This study found that experiencing material hardship was directly associated with low levels of coping skills for family conflict and low levels of self-esteem, but not with alcohol use. However, material hardship was indirectly associated with alcohol use through low levels of coping skills for family conflict as well as low levels of self-esteem. The findings of this study suggest that experiencing material hardship among low-income households would be a socio-structural stressor for alcohol use, particularly in that it increases secondary role and intra-psychic strains. Implications to address material hardship and alcohol use among low-income households were discussed.

The Experience of Material and Emotional Hardship in Israel: Do Some Groups Cope Better than Others?

While official poverty measures tend to focus on income alone, measures of material hardship also incorporate aspects of need. Families experience material hardship when they have difficulty paying bills or buying things the household needs, such as food, medicine and medical care. The current study develops four measures of material and emotional hardship and focusses on two groups that have high risks of poverty in Israel, namely Israeli–Palestinians and Ultra-orthodox Jews—Haredim, and compares them with the non-Haredi Jewish majority. Comparing Israeli–Palestinians, Haredim and non-Haredi Jews provides an opportunity to study the intersection of poverty and group membership. Group membership may affect hardship because groups differ in living conditions, poverty histories, social networks, access to resources, and perceptions of needs. The study draws on Israel’s 2013 Social Survey, conducted by Israel’s Central Bureau of Statistics (n = 7438). The findings point to substantial degrees of inequality among the disadvantaged. Although Haredim and Palestinians have similar levels of income-poverty, the study shows that the consequences of low-income in terms of deprivation and hardship are more severe among Israeli–Palestinians than among (Haredi and non-Haredi) Jews. Israeli–Palestinians experience higher levels of material and emotional hardship than Haredim after controlling for household income.

Hard Times and Harder Minds: Material Hardship and Marital Well-Being Among Low-Income Families in South Korea

Experiencing material hardship may bring various negative consequences for married couples and family members. However, little is known about this topic in Korea. Using a nationally representative sample from the Korean Welfare Panel Study, we examined how material hardship was associated with marital well-being among low-income families in Korea, separately for husbands (i.e., male household heads) and wives. Overall, we found experiencing any material hardship was associated with lower levels of satisfaction of both family life and spousal relationship, consistently for husbands and wives. We also found depression and self-esteem partially mediated the associations in both groups. Furthermore, among individual items of material hardship, experiencing food hardship was associated with lower levels of satisfaction of family life for both husbands and wives, whereas experiencing problems with credit was associated with lower levels of satisfaction of both family life and spousal relationship for wives but not for husbands.

Food insecurity and housing instability in vulnerable families

Reducing the prevalence of household food insecurity has been a long-standing objective of the federal government. Previous research has found many negative consequences of food insecurity for families and households but has not examined its relationship with housing instability. Using longitudinal data from the Fragile Families and Child Wellbeing Study, difference-in-difference models show that food insecurity is associated with housing instability. The association remains statistically significant after accounting for potential selection and unobserved heterogeneity using propensity score matching and excluding households that experienced prior housing instability from the sample. Examining potential mediating factors, I find that material hardship explains about half of this association. These findings suggest that maintaining a strong social safety net would reduce the risk that families experience material hardship and housing instability, which may also reduce the risk of homelessness.

The Dark Side of College (Un)Affordability: Food and Housing Insecurity in Higher Education

Some students from low-income families are unable to pay their college costs without experiencing material hardship. What they do to make ends meet (e.g., go hungry and homeless) inhibits learning ...

Material hardship and depression among low‐income households in South Korea: Differences by household type

With the recent trend of growing poverty in South Korea, low‐income households, particularly elderly‐ and single‐headed households, are at high risk of experiencing material hardship and depression. However, less is known about the association between material hardship and depression by household type in Korea. Using data (N = 2,913) from the Korean Welfare Panel Study and employing several methodological approaches to address the omitted variables bias, this study examined: (i) the association between material hardship and depression among low‐income households, and (ii) whether the association differed by household type. We found that experiencing material hardship was associated with a higher likelihood of being depressed. In addition, we also found that the association between material hardship and depression differed by household type. The magnitude of the association was most pronounced in single‐ and elderly‐headed households. Policy implications to improve well‐being among low‐income households were discussed.

Material hardship in families with children with health conditions: Implications for practice

Cross-sectional data from the third wave of a ten-year data collection initiative were used to assess the odds of experiencing four material hardships between families who have a child member with a limiting health condition, and families with children who do not have a child member with a limiting health condition. The odds of experiencing material hardship in families with more than one child with a limiting health condition were also assessed. In the multivariable models, having a child in the household with a limiting health condition increases the odds the household will be unable to pay bills, and have their phone service disconnected. Also, having more than one child in a household with a limiting health condition increases the odds of being unable to pay bills, having a phone disconnected, and receiving food stamps. Interventions to assist these vulnerable families are presented.

Predicting Material Hardship Among Former Welfare-to-Work Participants: An Income- and Resource-Packaging Model

ABSTRACTMaterial hardship is of concern because it refers to physical deprivation related to meeting the basic needs of food, housing, utilities, and other items. This study tests a predictive income- and resource-packaging model of material hardship using survey data collected from 459 former welfare-to-work program participants. Logistic regression results show that receiving social support in the form of living rent-free decreased the odds for experiencing material hardship. The predictors of working in the informal economy, being sanctioned while on public assistance, having mental health issues, and having transportation problems all increased the odds for experiencing material hardship. The measures of formal employment income, Temporary Assistance for Needy Families income, work-first program participation, sharing living expenses, monetary social support, and assistance from nonprofit organizations were unrelated to predicting material hardship experiences. Policymakers interested in improving conditions for needy families should question the use of sanctions and carefully monitor material hardship among those sanctioned. Future programs and future research should consider the extent to which low-income women participate in the informal economy to make ends meet, rely on social networks to live rent-free, and struggle with poor health and transportation problems.

The effect of material hardship on child protective service involvement

This study employs four waves of survey data on 1,135 families from the Illinois Families Study, a longitudinal panel study of Temporary Assistance for Needy Families in Illinois. This study explores the following issues within this low-income population: (1) whether material hardships are associated with child protective services (CPS) investigations, (2) whether the effect of material hardship on CPS differs by the type of child maltreatment investigated, and (3) whether psychological distress mediates the association between material hardship and CPS involvement. Results from pooled and fixed effects logistic regressions suggest that caregivers who experience material hardship are more likely to become involved in CPS. In general, investigated neglect reports are responsive to particular types of hardship such as housing and food, while investigated physical abuse reports are responsive to levels of hardship regardless of specific types. The association between material hardship and CPS involvement is not fully explained by depressive symptoms or parenting stress. The study results suggest that in order to prevent child maltreatment, it may be necessary to address a family's unmet material needs through economic support interventions.

Material Hardship and Child Socioemotional Behaviors: Differences by Types of Hardship, Timing, and Duration.

Child behavior problems are associated with long-term detrimental effects. A large body of literature looks at the association between income and child behavior but few studies examine this association with material hardship, an alternative economic indicator. We use data from the Fragile Families and Child Wellbeing Study to examine the following questions: (a) Is material hardship associated with child socioemotional behavior and are there differences by developmental timing, (b) Are particular hardships (bills, utilities, food, housing, medical) more strongly associated with child behavior, and (c) Are there differences in the association between short-term and long-term material hardship and child behavior? We find that children in households experiencing material hardship score significantly higher on externalizing and internalizing behaviors. Additionally, we find that a mother's inability to pay bills, experience of utility interruption, and housing instability are adversely related to child behavior. We also find that the association between material hardship and child behaviors is stronger at age 5 and that chronic aggregate hardship has a stronger association with child behavior.

Fathers' Involvement with Their Nonresident Children and Material Hardship.

Children in single-parent families, particularly children born to unmarried parents, are at high risk for experiencing material hardship. Previous research based on cross-sectional data suggests that father involvement, especially visitation, diminishes hardship. This article uses longitudinal data to examine the associations between nonresident fathers' involvement with their children and material hardship in the children's households. Results suggest that fathers' formal and informal child support payments and contact with their children independently reduce the number of hardships in the mothers' households; however, only the impact of fathers' contact with children is robust in models that include lagged dependent variables or individual fixed effects. Furthermore, cross-lagged models suggest that material hardship decreases future father involvement, but future hardship is not diminished by father involvement (except in-kind contributions). These results point to the complexity of these associations and to the need for future research to focus on heterogeneity of effects within the population.

Effects of unemployment and underemployment on material hardship in single-mother families

Using data from the 2004 panel of the Survey of Income and Program Participation (SIPP), this study examined relationships between employment problems and four types of material hardship among single-mother families. Although a bill-paying hardship was the most common hardship reported by the mothers (41%), 38% of the families experienced a health hardship, 33% suffered a food hardship, and 25% had a housing hardship. The multivariate results indicate that compared with families whose mothers were adequately employed, families whose mothers were unemployed/had involuntary job gaps and were underemployed had heightened risks of experiencing bill-paying, health, and housing hardships. Only unemployment/involuntary job gaps was related to having a food hardship. A number of other factors associated with experiencing material hardship also were identified. Finally, implications for social work practice and social policy are discussed.

Material Hardship Among Banked and Unbanked Earned Income Tax Credit-Eligible Families

The Earned Income Tax Credit (EITC) has helped millions of Americans escape poverty. However, there is a dearth of research examining the experience of material hardship among EITC recipients. A lack of mainstream banking, disproportionately experienced by the poor, may also be related to increased hardship experiences. This study, using a sample of families receiving the EITC, investigates the hardship differences experienced depending on banking status. Results show that the overwhelming majority of families receiving the EITC experience some type of material hardship. Those with a bank account are less likely to experience material hardship than those without an account. Strategies to decrease hardship experiences and increase use of mainstream banking are drawn for policy makers, banking community, consumer protection and community organizations, and government human service administration.

Does receipt of public benefits reduce material hardship in low-income families with children?

Using data from the Survey of Income and Program Participation (1996 and 2001 panels), we determined that experiencing four types of material hardships (inadequate housing, inability to meet basic expenses, unmet medical/dental need, and food insufficiency) was common in low-income families with children. These hardships existed even though 85% of the families received at least one public benefit during the previous year. Receipt of public benefits also was related to an increased risk of experiencing all four types of material hardships. Finally, we attempted to adjust for one type of selection bias by considering families' need and their failure to access public benefits or additional benefits. We found that families reporting a need and failing to access public benefits for a variety of reasons, or to access additional benefits regardless of the number of benefits received, were more likely to experience material hardship compared with families receiving public benefits and reporting no need. These findings suggest that public benefits are insufficient to fully alleviate material hardship, and barriers to accessing public benefits may be one reason. If these families were able to access benefits that meet basic needs, receipt of public benefits might reduce material hardship.