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Financial Stress Among Black Americans: Examining the Role of Financial Literacy
Mathis, Keithen, II ProQuest Dissertations & Theses Florida Agricultur 2022 해외박사(DDOD)
In this cross-sectional study, the relationship between financial literacy and financial stress was examined and financial literacy measures were validated with a population of Black Americans in Florida. Research supports that Black Americans disproportionately experience financial stress. Investigating the role of financial literacy may help to better identify the underlying issues of financial stress in the Black community. In this study, a survey was administered to 261 individuals who identified as a Black, Florida resident, between the ages of 18 and 64. The survey consisted of several previous scales and additional measures that have not been previously validated for this population. The main dependent variable was financial stress, and the independent variables of financial literacy were operationalized as comprising three dimensions: financial education, financial practices, and financial behavior. The results revealed that all three dimensions of financial literacy (financial behavior, financial practices, and financial education) individually and financial literacy as a construct all negatively correlated with financial stress. There was also a significant positive correlation between financial behavior, financial practices, and financial education. The financial literacy instrument was tested using a Confirmatory Factor Analysis (CFA) to determine the validity and model fit of the instrument’s three scales (financial behavior, financial education, and financial practice). The CFA suggested removing the financial behavior scale.As the study highlights, financial literacy is linked to financial stress. As financial stress continues to negatively impact Black Americans, it is vital to understand financial stress-related issues for Black Americans in Florida. The results of this study help to enhance financial stress and financial literacy research and lead to the pinpointing of underlying factors that are essential to improving the delivery of financial stress interventions and financial literacy programs for Black Americans.
Modeling the Impact of Land Use on Habitat Quality in the Choctawhatchee River and Bay Watershed
Muhammed, Khaleel ProQuest Dissertations & Theses Florida Agricultur 2022 해외박사(DDOD)
Human activity increases as population increases. The environment must be altered in response to the pressures increasing population creates. Altering the environment may pose a risk to the health of natural habitats. The health and quality of habitats promote biodiversity in ecosystems. Biodiversity is necessary for a functioning ecosystem as species work synergistically to create a livable environment. It is therefore important to know how practices and events threaten these habitats and the species living in them. This work details how research is used to formulate a framework for identifying habitat threats in any given region, determine habitat suitability, assess habitat sensitivity to different threats, and ultimately model how the quality of habitats changes under different land use/cover scenarios. A meta-analysis of how different authors define and characterize threats in various contexts was done. The results of this analysis aid in the process of threat mapping, regional analysis, and land development planning. Knowledge gained from this study was used to evaluate regions on a watershed level using a combination of GIS technology and the Integrated Valuation of Ecosystem Services and Tradeoffs (InVEST) model with the goal of performing vulnerability analyses.
Hodge, Desmond Sheldon ProQuest Dissertations & Theses Florida Agricultur 2020 해외박사(DDOD)
As achievement deficits and academic disparities continue to broaden, more notably in schools with a large population of students from low social-economic status (SES) including diverse backgrounds, the hiring of transformational leadership remains a problem. Notwithstanding, well known, is the far-reaching impact of the school leader (leadership) on school outcomes. Moreover, many schools with a large population of students from low SES have attained high-achieving status. Current challenges exist with recruiting and selecting highly qualified transformational school leadership; although, principal selection methods nationwide are inefficient predictors of school leaders who encompass and demonstrate the requisite competencies and practices for positive school outcomes. Consequently, the purpose of this study was on the leadership style and personality type differences of school principals, as well as the relationship between personality type and leadership style among principals in high achieving and low achieving, high poverty urban secondary level schools. Three hypotheses were generated for this study. Leadership style data were collected using Bolman and Deal’s Leadership Style Orientation Survey and the Keirsey’s Temperament Sorter was used to gather information on personality type. A sample of 49 randomly selected principals participated in the study. Analysis using Independent Samples T-test, ANOVA, and Chi-Square were employed. Results revealed a statistically significant difference in the Human Resources leadership style, with no statistically significant differences in personality trait. A statistically significant relationship was found between the Structural leadership style and personality type. Although study outcomes were mixed, the results could aid state and district level administrators’ efforts in innovating existing practice for hiring principals, including local (school) level administrative practices for appointing in-school leadership.