Financial stress and debt

۞إِنَّمَا ٱلصَّدَقَٰتُ لِلۡفُقَرَآءِ وَٱلۡمَسَٰكِينِ وَٱلۡعَٰمِلِينَ عَلَيۡهَا وَٱلۡمُؤَلَّفَةِ قُلُوبُهُمۡ وَفِي ٱلرِّقَابِ وَٱلۡغَٰرِمِينَ وَفِي سَبِيلِ ٱللَّهِ وَٱبۡنِ ٱلسَّبِيلِۖ فَرِيضَةࣰ مِّنَ ٱللَّهِۗ وَٱللَّهُ عَلِيمٌ حَكِيمࣱ‏

Alms are meant only for the poor, the needy, those who administer them, those whose hearts need winning over, to free slaves and help those in debt, for God’s cause, and for travellers in need. This is ordained by God; God is all knowing and wise

وَٱللَّهُ فَضَّلَ بَعۡضَكُمۡ عَلَىٰ بَعۡضࣲ فِي ٱلرِّزۡقِۚ فَمَا ٱلَّذِينَ فُضِّلُواْ بِرَآدِّي رِزۡقِهِمۡ عَلَىٰ مَا مَلَكَتۡ أَيۡمَٰنُهُمۡ فَهُمۡ فِيهِ سَوَآءٌۚ أَفَبِنِعۡمَةِ ٱللَّهِ يَجۡحَدُونَ

God has given some of you more provision than others. Those who have been given more are unwilling to pass their provision on to the slaves they possess so that they become their equals. How can they refuse to acknowledge God’s blessings

وَٱلَّذِينَ هَاجَرُواْ فِي سَبِيلِ ٱللَّهِ ثُمَّ قُتِلُوٓاْ أَوۡ مَاتُواْ لَيَرۡزُقَنَّهُمُ ٱللَّهُ رِزۡقًا حَسَنࣰ اۚ وَإِنَّ ٱللَّهَ لَهُوَ خَيۡرُ ٱلرَّٰزِقِينَ

He will give a generous provision to those who migrated in God’s way and were killed or died. He is the Best Provider

إِنَّمَا تَعۡبُدُونَ مِن دُونِ ٱللَّهِ أَوۡثَٰنࣰ ا وَتَخۡلُقُونَ إِفۡكًاۚ إِنَّ ٱلَّذِينَ تَعۡبُدُونَ مِن دُونِ ٱللَّهِ لَا يَمۡلِكُونَ لَكُمۡ رِزۡقࣰ ا فَٱبۡتَغُواْ عِندَ ٱللَّهِ ٱلرِّزۡقَ وَٱعۡبُدُوهُ وَٱشۡكُرُواْ لَهُۥٓۖ إِلَيۡهِ تُرۡجَعُونَ

What you worship instead of God are mere idols; what you invent is nothing but falsehood. Those you serve instead of God have no power to give you provisions, so seek provisions from God, serve Him, and give Him thanks: you will all be returned to Him

۞وَلَوۡ بَسَطَ ٱللَّهُ ٱلرِّزۡقَ لِعِبَادِهِۦ لَبَغَوۡاْ فِي ٱلۡأَرۡضِ وَلَٰكِن يُنَزِّلُ بِقَدَرࣲ مَّا يَشَآءُۚ إِنَّهُۥ بِعِبَادِهِۦ خَبِيرُۢ بَصِيرࣱ‏

If God were to grant His plentiful provision to [all] His creatures, they would act insolently on earth, but He sends down in due measure whatever He will, for He is well aware of His servants and watchful over them

رَّسُولࣰ ا يَتۡلُواْ عَلَيۡكُمۡ ءَايَٰتِ ٱللَّهِ مُبَيِّنَٰتࣲ لِّيُخۡرِجَ ٱلَّذِينَ ءَامَنُواْ وَعَمِلُواْ ٱلصَّٰلِحَٰتِ مِنَ ٱلظُّلُمَٰتِ إِلَى ٱلنُّورِۚ وَمَن يُؤۡمِنۢ بِٱللَّهِ وَيَعۡمَلۡ صَٰلِحࣰ ا يُدۡخِلۡهُ جَنَّٰتࣲ تَجۡرِي مِن تَحۡتِهَا ٱلۡأَنۡهَٰرُ خَٰلِدِينَ فِيهَآ أَبَدࣰ اۖ قَدۡ أَحۡسَنَ ٱللَّهُ لَهُۥ رِزۡقًا

and a messenger- reciting to you God’s revelations that make things clear- to bring those who believe and do righteous deeds from darkness into light. God will admit those who believe in Him and do righteous deeds into Gardens graced with flowing streams, where they will remain for ever––He has made good provision for them

The freewill offerings are for the poor, and the indigent.... and the son of the road.... O you whose heart has never for one day walked in poverty and who, in your whole life, have never for one hour sat like Jacob in poverty's house of sorrows! O you who have never for one day placed your own attributes with the description of poverty in the mangonel of struggle and never for an instant sacrificed your spirit in the cave of exile and the state of indigence by following the beloved Prophet and the sincerely truthful Abū Bakr. You suppose that without tasting the drink of poverty and wearing the clothes of discipline today you will dwell tomorrow in the domiciles of the High Chambers with the poor among the Companions and the men of the road of poverty. Your supposition is erroneous and your self-governance wrong. They were a thousand times more passionate about that poverty of theirs th

The voluntary almsgivings the alms to be dispensed are only for the poor who cannot find anything to suffice them in the least and the needy who cannot find anything to suffice them and those who work with them that is with these alms in other words the one who collects them the one who takes the oaths from those who claim them the slave to be manumitted by contract as well as the tax-summoner; and those whose hearts are to be reconciled so that they might become Muslims or that Islam might be firmly established or that their peers might become Muslims or that they might defend Muslims all of whom are classed according to different categories. According to al-Shāfi‘ī may God be pleased with him the first and the last of these categories are no longer given of the alms-tax today because of the established power of Islam; in contrast the other two categories are given of the alms-tax accor

And God has given more bounty in provision to some of you than others. The provision of the soul is one thing, the provision of the heart another, and the provision of the spirit still another. For some the provision of the soul is the success of obedience and for some it is abandonment to disobedience. For some the provision of the heart is the heart's presence with constant remembrance and for some it is the attribute of heedlessness with constant hardness. For some the provision of the spirit is the perfection of recognition and the limpidness of love and for some it is love for this world and occupation with attachments. Fuẓayl said, “The greatest thing provided to man is deeds that will lead him to rectitude and recognition that will bequeath on him contemplation of his Lord.” The Prophet said, “I spend the night at my Lord; He gives me to eat and drink.”

(And if Allah were to enlarge the provision for His slaves they would surely rebel in the earth�) [42:27]. This verse was revealed about some people amongst the folk of the Platform (ahl al-Suffah) who wished to have an expansion of this worldly life and riches. Khabbab ibn al-Aratt said: �This verse was revealed about us. This is because we had looked at the wealth of Banu Qurayzah and Banu�l-Nadir and wished to have the same, and so Allah, glorified and exalted is He, revealed this verse�. He said: Abu �Uthman al-Mu�adhdhin informed me> Abu �Ali al-Faqih> Abu Muhammad ibn Mu�adh> al-Husayn ibn al-Hasan ibn Harb> Ibn al-Mubarak> Haywah> Abu Hani� al-Khawlani> �Amr ibn Hurayth who said: �This verse was revealed about the 'folk of the Platform' (And if Allah were to enlarge the provision for His slaves they would surely rebel in the earth). This is because they said: �If only we had this

And God has favoured some of you above others in respect of provision thus some of you are poor some are rich some owners others are owned. Now those who have been more favoured namely the masters would not hand over their provision to those slaves whom their right hands possess that is they would not assign that wealth and other things which We have given them as something to be shared equally between them and their slaves so that they that is the slaves and their masters become equal partners in respect thereof. The meaning is they do not have partners from among their slaves in respect of their wealth so how can they make certain of God’s servants partners of His? Is it then the grace of God that they deny? that they reject when they ascribe partners to Him?

And those who emigrated in the way of God that is in obedience to Him from emigrating from Mecca to Medina and then were slain or died God shall provide them with a good provision namely the provision of Paradise. Truly God is the best of providers the most excellent of givers.

حَدَّثَنَا مُسَدَّدٌ، حَدَّثَنَا عَبْدُ الْوَاحِدِ، حَدَّثَنَا مَعْمَرٌ، عَنِ الزُّهْرِيِّ، عَنْ أَبِي سَلَمَةَ بْنِ عَبْدِ الرَّحْمَنِ، عَنْ جَابِرِ بْنِ عَبْدِ اللَّهِ ـ رضى الله عنهما ـ قَالَ قَضَى رَسُولُ اللَّهِ صلى الله عليه وسلم بِالشُّفْعَةِ فِي كُلِّ مَا لَمْ يُقْسَمْ، فَإِذَا وَقَعَتِ الْحُدُودُ وَصُرِّفَتِ الطُّرُقُ فَلاَ شُفْعَةَ‏.‏

Narrated Jabir bin `Abdullah:Allah's Messenger (ﷺ) gave a verdict regarding Shuf'a in every undivided joint thing (property). But if the limits are defined (or demarcated) or the ways and streets are fixed, then there is no pre-emption

حَدَّثَنَا الْمَكِّيُّ بْنُ إِبْرَاهِيمَ، أَخْبَرَنَا ابْنُ جُرَيْجٍ، أَخْبَرَنِي إِبْرَاهِيمُ بْنُ مَيْسَرَةَ، عَنْ عَمْرِو بْنِ الشَّرِيدِ، قَالَ وَقَفْتُ عَلَى سَعْدِ بْنِ أَبِي وَقَّاصٍ، فَجَاءَ الْمِسْوَرُ بْنُ مَخْرَمَةَ فَوَضَعَ يَدَهُ عَلَى إِحْدَى مَنْكِبَىَّ إِذْ جَاءَ أَبُو رَافِعٍ مَوْلَى النَّبِيِّ صلى الله عليه وسلم فَقَالَ يَا سَعْدُ ابْتَعْ مِنِّي بَيْتَىَّ فِي دَارِكَ‏.‏ فَقَالَ سَعْدٌ وَاللَّهِ مَا أَبْتَاعُهُمَا‏.‏ فَقَالَ الْمِسْوَرُ وَاللَّهِ لَتَبْتَاعَنَّهُمَا‏.‏ فَقَالَ سَعْدٌ وَاللَّهِ لاَ أَزِيدُكَ عَلَى أَرْبَعَةِ آلاَفٍ، مُنَجَّمَةٍ أَوْ مُقَطَّعَةٍ‏.‏ قَالَ أَبُو رَافِعٍ لَقَدْ أُعْطِيتُ بِهَا خَمْسَمِائَةِ دِينَارٍ، وَلَوْلاَ أَنِّي سَمِعْتُ النَّبِيَّ صلى الله عليه وسلم يَقُولُ ‏ "‏ الْجَارُ أَحَقُّ بِسَقَبِهِ ‏"‏‏.‏ مَا أَعْطَيْتُكَهَا بِأَرْبَعَةِ آلاَفٍ، وَأَنَا أُعْطَى بِهَا خَمْسَمِائَةِ دِينَارٍ‏.‏ فَأَعْطَاهَا إِيَّاهُ‏.‏

Narrated `Amr bin Ash-Sharid:While I was standing with Sa`d bin Abi Waqqas, Al-Miswar bin Makhrama came and put his hand on my shoulder. Meanwhile Abu Rafi`, the freed slave of the Prophet (ﷺ) came and asked Sa`d to buy from him the (two) dwellings which were in his house. Sa`d said, "By Allah I will not buy them." Al- Miswar said, "By Allah, you shall buy them." Sa`d replied, "By Allah, I will not pay more than four thousand (Dirhams) by installments." Abu Rafi` said, "I have been offered five hundred Dinars (for it) and had I not heard the Prophet (ﷺ) saying, 'The neighbor has more right than anyone else because of his nearness, I would not give them to you for four-thousand (Dirhams) while I am offered five-hundred Dinars (one Dinar equals ten Dirhams) for them." So, he sold it to Sa`d

حَدَّثَنَا عَبْدُ اللَّهِ بْنُ يُوسُفَ، أَخْبَرَنَا مَالِكٌ، عَنْ أَبِي الزِّنَادِ، عَنِ الأَعْرَجِ، عَنْ أَبِي هُرَيْرَةَ ـ رضى الله عنه ـ أَنَّ رَسُولَ اللَّهِ صلى الله عليه وسلم قَالَ ‏ "‏ مَطْلُ الْغَنِيِّ ظُلْمٌ، فَإِذَا أُتْبِعَ أَحَدُكُمْ عَلَى مَلِيٍّ فَلْيَتْبَعْ ‏"‏‏.‏

Narrated Abu Huraira:The Prophet (ﷺ) said, "Procrastination (delay) in paying debts by a wealthy man is injustice. So, if your debt is transferred from your debtor to a rich debtor, you should agree

حَدَّثَنَا الْمَكِّيُّ بْنُ إِبْرَاهِيمَ، حَدَّثَنَا يَزِيدُ بْنُ أَبِي عُبَيْدٍ، عَنْ سَلَمَةَ بْنِ الأَكْوَعِ ـ رضى الله عنه ـ قَالَ كُنَّا جُلُوسًا عِنْدَ النَّبِيِّ صلى الله عليه وسلم إِذْ أُتِيَ بِجَنَازَةٍ، فَقَالُوا صَلِّ عَلَيْهَا‏.‏ فَقَالَ ‏"‏ هَلْ عَلَيْهِ دَيْنٌ ‏"‏‏.‏ قَالُوا لاَ‏.‏ قَالَ ‏"‏ فَهَلْ تَرَكَ شَيْئًا ‏"‏‏.‏ قَالُوا لاَ‏.‏ فَصَلَّى عَلَيْهِ ثُمَّ أُتِيَ بِجَنَازَةٍ أُخْرَى، فَقَالُوا يَا رَسُولَ اللَّهِ، صَلِّ عَلَيْهَا‏.‏ قَالَ ‏"‏ هَلْ عَلَيْهِ دَيْنٌ ‏"‏‏.‏ قِيلَ نَعَمْ‏.‏ قَالَ ‏"‏ فَهَلْ تَرَكَ شَيْئًا ‏"‏‏.‏ قَالُوا ثَلاَثَةَ دَنَانِيرَ‏.‏ فَصَلَّى عَلَيْهَا، ثُمَّ أُتِيَ بِالثَّالِثَةِ، فَقَالُوا صَلِّ عَلَيْهَا‏.‏ قَالَ ‏"‏ هَلْ تَرَكَ شَيْئًا ‏"‏‏.‏ قَالُوا لاَ‏.‏ قَالَ ‏"‏ فَهَلْ عَلَيْهِ دَيْنٌ ‏"‏‏.‏ قَالُوا ثَلاَثَةُ دَنَانِيرَ‏.‏ قَالَ ‏"‏ صَلُّوا عَلَى صَاحِبِكُمْ ‏"‏‏.‏ قَالَ أَبُو قَتَادَةَ صَلِّ عَلَيْهِ يَا رَسُولَ اللَّهِ، وَعَلَىَّ دَيْنُهُ‏.‏ فَصَلَّى عَلَيْهِ‏.‏

Narrated Salama bin Al-Akwa: Once, while we were sitting in the company of Prophet, a dead man was brought. The Prophet (ﷺ) was requested to lead the funeral prayer for the deceased. He said, "Is he in debt?" The people replied in the negative. He said, "Has he left any wealth?" They said, "No." So, he led his funeral prayer. Another dead man was brought and the people said, "O Allah's Messenger (ﷺ)! Lead his funeral prayer." The Prophet (ﷺ) said, "Is he in debt?" They said, "Yes." He said, "Has he left any wealth?" They said, ''Three Dinars." So, he led the prayer. Then a third dead man was brought and the people said (to the Prophet (ﷺ) ), Please lead his funeral prayer." He said, "Has he left any wealth?" They said, "No." He asked, "Is he in debt?" They said, ("Yes! He has to pay) three Dinars.', He (refused to pray and) said, "Then pray for your (dead) companion." Abu Qatada said, "O Allah's Messenger (ﷺ)! Lead his funeral prayer, and I will pay his debt." So, he led the prayer

حَدَّثَنَا هِشَامُ بْنُ عَمَّارٍ، وَمُحَمَّدُ بْنُ الصَّبَّاحِ، قَالاَ حَدَّثَنَا سُفْيَانُ بْنُ عُيَيْنَةَ، عَنْ أَبِي الزُّبَيْرِ، عَنْ جَابِرٍ، قَالَ قَالَ رَسُولُ اللَّهِ صلى الله عليه وسلم ‏ "‏ مَنْ كَانَتْ لَهُ نَخْلٌ أَوْ أَرْضٌ فَلاَ يَبِيعُهَا حَتَّى يَعْرِضَهَا عَلَى شَرِيكِهِ ‏"‏ ‏.‏

It was narrated that Jabir said:“The Messenger of Allah (ﷺ) said: 'Whoever has a date-palm tree or land, should not sell it until he has offered it to his partner.' ”

حَدَّثَنَا أَحْمَدُ بْنُ سِنَانٍ، وَالْعَلاَءُ بْنُ سَالِمٍ، قَالاَ حَدَّثَنَا يَزِيدُ بْنُ هَارُونَ، أَنْبَأَنَا شَرِيكٌ، عَنْ سِمَاكٍ، عَنْ عِكْرِمَةَ، عَنِ ابْنِ عَبَّاسٍ، عَنِ النَّبِيِّ صلى الله عليه وسلم قَالَ ‏ "‏ مَنْ كَانَتْ لَهُ أَرْضٌ فَأَرَادَ بَيْعَهَا فَلْيَعْرِضْهَا عَلَى جَارِهِ ‏"‏ ‏.‏

It was narrated from Ibn Abbas that the Prophet (ﷺ) said:“Whoever has land and wants to sell it, let him offer it to his neighbor.”

فإذا انضاف إلى ذلك خوف الفقر وقلة الثقة بمجيء الرزق قوي البخل لا محالة

ومنع من القرض الذي يجر النفع وجعله ربا

وهو أصل في إبطال الحيل وبه احتج البخاري على ذلك فإن من أراد أن يعامل رجلا معاملة يعطيه فيها ألفا بألف وخمسمائة إلى أجل فأقرضه تسعمائة وباعه ثوبا بستمائة يساوي مائه إنما نوى بإقراض التسعمائه تحصيل الربح الزائد وإنما نوى بالستمائه التي أظهر أنها ثمن الثوب : الربا والله يعلم ذلك من جذر قلبه وهو يعلمه ومن عامله يعلمه ومن اطلع على حقيقة الحال يعلمه فليس له من عمله إلا ما نواه وقصده حقيقة من إعطاء الألف حالة وأخذ الألف والخمسمائة مؤجلة وجعل صورة القرض وصورة البيع محللا لهذا المحرم

قوله رحمه الله فهذا هو الفقر الذي تكلموا في شرفه يعني تكلم فيه أرباب السلوك وفضلوه ومدحوه

وهو نوعان : غنى بالله وغنى عن غير الله وهما حقيقة الفقر ولكن أرباب الطريق أفردوا للغنى منزلة

الثاني: إذا تيسر له في الحال ما يكفيه، فلا يكون شديد الاضطراب لأجل المستقبل ويعينه على ذلك قصر الأمل، واليقين بأن رزقه لا بد أن يأتيه، وليعلم أن الشيطان يعده الفقر.

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Study protocol for the Healthier Wealthier Families (HWF) pilot randomised controlled trial: testing the feasibility of delivering financial counselling to families with young children who are identified as experiencing financial hardship by community-based nurses.: Introduction: Poverty and deprivation can harm children's future health, learning, economic productivity and societal participation. The Australian Healthier Wealthier Families project seeks to reduce the childhood inequities caused by poverty and deprivation by creating a systematic referral pathway between two free, community-based services: universal, well-child nursing services, which provide health and development support to families with children from birth to school entry, and financial c

The global economic burden of health anxiety/hypochondriasis- a systematic review.: Background: Recent studies have shown a lifetime prevalence of 5.7% for health anxiety/hypochondriasis resulting in increased healthcare service utilisation and disability as consequences. To the best of our knowledge, there has been no systematic review examining the global costs of hypochondriasis, encompassing both direct and indirect costs. Our objective was to synthesize the available evidence on the economic burden of health anxiety and hypochondriasis to identify research gaps and provide

Preliminary efficacy of an intervention to reduce psychosocial stress and improve coping in low-income families.: This article reports pre-post intervention results from a randomized controlled trial evaluating the initial efficacy of a couples-based intervention aimed at teaching skills for coping with stress and improving relationship skills in a sample of 173 ethnically diverse low-income co-resident mothers and fathers who were raising at least one child together. Couples were randomly assigned to one of three interventions or to an assessment-only control condition. The Fatherhood, Relationship, and Ma

How family structure shapes adolescent mental health under financial hardship?

Background: Financial hardship and family structure are each known to influence adolescent mental health, but their interactive effects remain underexplored. This study examined whether specific family structures buffer or amplify the impact of household financial hardship on adolescent mental health during the COVID-19 pandemic. Methods: We analyzed data from the 2021-2022 Korea Youth Risk Behavior Survey, a nationally representative sample of 101,402 adolescents aged 12-18 years. Mental health outcomes included sleep problems, loneliness, perceived stress, anxiety, depression, and suicidal ideation. Financial hardship was assessed by self-reported household-level economic difficulty due to the pandemic. Family structure was categorized as two-parent, single-mother, single-father, step-family, and grandparent family. We conducted complex-sample logistic regression and calculated both ad…

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Prevalence and economic burden of depression and anxiety symptoms among Singaporean adults: results from a 2022 web panel.

Background: Major depressive disorder (MDD) and generalized anxiety disorder (GAD) are leading causes of disability and premature mortality. At a global level, over 300 million people are estimated to suffer from major depressive disorders, equivalent to 4·4% of the world's population. Pandemic era stressors have increased rates for depression and anxiety by upwards of 25%. The goal of this study is to estimate the prevalence and economic burden of depression and anxiety symptoms in Singapore after the peak of the COVID-19 pandemic. Methods: An existing web panel was queried between April 2022 and June 2022. Adult participants aged > 21 years old who screened positive for depression and anxiety symptoms based on the Patient Health Questionnaire-4 (PHQ-4) Screener were eligible for participation. Prevalence estimates were quantified by dividing the number of respondents who screened posit…

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The effect of COVID-19 pandemic-related financial challenges on mental health and well-being among US older adults.

Background: Despite profound financial challenges during the COVID-19 pandemic, there is a gap in estimating their effects on mental health and well-being among older adults. Methods: The National Health and Aging Trends Study is an ongoing nationally representative cohort study of US older adults. Outcomes included mental health related to COVID-19 (scores averaged across eight items ranging from one to four), sleep quality during COVID-19, loneliness during COVID-19, having time to yourself during COVID-19, and hopefulness during COVID-19. Exposures included income decline during COVID-19 and financial difficulty due to COVID-19. Propensity score weighting produced covariate balance for demographic, socioeconomic, household, health, and well-being characteristics that preceded the pandemic to estimate the average treatment effect. Sampling weights accounted for study design and non-res…

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Trajectories of depression and anxiety symptoms during the COVID-19 pandemic in a representative Australian adult cohort.

Objectives: To estimate initial levels of symptoms of depression and anxiety, and their changes during the early months of the COVID-19 pandemic in Australia; to identify trajectories of symptoms of depression and anxiety; to identify factors associated with these trajectories. Design, setting, participants: Longitudinal cohort study; seven fortnightly online surveys of a representative sample of 1296 Australian adults from the beginning of COVID-19-related restrictions in late March 2020 to mid-June 2020. Main outcome measures: Symptoms of depression and anxiety, measured with the Patient Health Questionnaire (PHQ-9) depression and Generalised Anxiety Disorder (GAD-7) scales; trajectories of symptom change. Results: Younger age, being female, greater COVID-19-related work and social impairment, COVID-19-related financial distress, having a neurological or mental illness diagnosis, and r…

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Beyond the social gradient: the role of lifelong socioeconomic status in older adults' health trajectories.

Inequalities in older adults' health rarely consider life-course aspects of socioeconomic status (SES). We examined the association between lifelong SES and old-age health trajectories, and explored the role of lifestyle factors and depressive symptoms in this association. We followed 2760 adults aged 60+ from the Swedish National Study on Care and Aging, Kungsholmen. SES groups were derived using latent class analysis incorporating seven socioeconomic measures spanning childhood, midlife, and late life. We measured health using the Health Assessment Tool, which combines gait speed, cognition, multimorbidity, and disability. Linear mixed models were used to estimate health trajectories. Four SES groups were identified: High (34.9%), Middle (40.2%), Low (21.2%), and Mixed (3.8%). The Mixed group reported greater financial difficulties in childhood and older age, but varying SES attainment…

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Do Locus of Control, Self-esteem, Hope and Shame Mediate the Relationship Between Financial Hardship and Mental Health?

In a longitudinal study of 104 participants, the psychological factors of economic locus of control, self-esteem, hope and shame were explored for their impact on the relationship between financial hardship and mental health. Participants completed measures of financial hardship, the psychological factors and measures of mental health three times at three-monthly intervals. A hierarchical regression analyses indicated that subjective financial hardship, hope and shame significantly predicted mental health outcomes. Mediation analyses demonstrated that hope mediated the relationship between subjective financial hardship and depression, stress and wellbeing; that shame mediated the relationship between subjective financial hardship and anxiety; and that neither shame nor hope mediated the relationship between subjective financial hardship and suicide ideation.

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Online Gambling in the Midst of COVID-19: A Nexus of Mental Health Concerns, Substance Use and Financial Stress.

This study examined the emerging impact of COVID-19 on gambling during the first 6 weeks of emergency measures in Ontario, Canada. A cross-sectional online survey of 2005 gamblers, including a sub-sample of 1081 online gamblers (age 18 years and older), was administered to assess risky gambling behaviours and motivations, financial impacts from COVID-19, the influence of COVID-19 on online gambling, mental health concerns and substance use. A series of odds ratio comparisons and measures of association were carried out. Results show significant likelihood of online gambling among those classified as high-risk gamblers (according to the Problem Gambling Severity Index) and those with past experience of online gambling, though migration from land-based gambling was apparent. Among high-risk online gamblers, the most predictive risk factors included moderate and severe anxiety and depressio…

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COVID-19-related financial strain and adolescent mental health.

Background: The COVID-19 pandemic and associated responses have induced a host of crises worldwide, including an economic recession and a global mental health crisis. The specific effects of recession on youth mental health are understudied. We aimed to examine the mechanisms by which pandemic-related financial strain may affect mental health in a diverse sample of American adolescents. Methods: We analyzed data from the Adolescent Brain Cognitive Development Study (ABCD Study®), a large, longitudinal study of diverse US adolescents which collected data before and during the pandemic (N = 9,720, mean age 12.9 years, 18.2% Black). Linear mixed-effects models tested associations of financial strain (parent-reported household wage loss and youth-reported financial stress) with depressive symptomatology over time, covarying for multiple confounders including pre-pandemic socioeconomic status…

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Understanding why the COVID-19 pandemic-related lockdown increases mental health difficulties in vulnerable young children.

Background: The mental health consequences of school closure, social isolation, increased financial and emotional stress, and greater exposure to family conflicts are likely to be pronounced for primary school children who are known to be vulnerable. Data from prior to the pandemic are needed to provide robust assessments of the impact of COVID-19 on vulnerable children. Method: The present study capitalises on an ongoing study of primary school children (4-8 years) identified as 'at-risk' for mental health problems by teachers. We collected mental health and socio-economic data prior to the pandemic and re-assessed this cohort (n = 142) via researcher-led video calls during the pandemic to evaluate the social and emotional impacts of COVID-19 for these families. Results: Mental health problems, particularly anxiety, increased significantly in these children. Parental mental health diffi…

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Psychosocial stress impairs health behavior in patients with mental disorders.

Background: It has been shown, that in the general population psychosocial stress affects health behaviors. However similar studies of high risk populations are sparse. Therefore, the aim of this cross-sectional study is to analyze the association between common psychosocial stressors and health behavior in a sample of patients with mental disorders. Methods: We analyzed data of n = 2326 outpatients from a mental health care department. Severity of psychosocial stress was assessed by the PHQ-stress module of the Patient Health Questionnaire (PHQ). Health behaviors included obesity, uncontrolled eating, smoking and physical inactivity. Multiple binary regression models were conducted for the PHQ-stress score and for each of the ten PHQ-stress items as independent variables. Results: 'Financial stress' and 'having no one to turn to with problems' were mainly associated with adverse health …

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Associations between cancer-related financial stress and strain and psychological well-being among individuals living with cancer.

Background: Cancer places a financial and economic burden on individuals, but relatively little is known about the consequences. We investigated associations between cancer-related financial stress and strain and psychological well-being. Methods: Individuals >6 months post-diagnosis with breast, prostate and lung cancer, identified from the National Cancer Registry Ireland, completed a postal questionnaire. Financial stress was assessed by the impact of the cancer diagnosis on household ability to make ends meet, financial strain by feelings about household financial situation since the cancer diagnosis and psychological well-being (depression, anxiety and distress) by the Depression Anxiety Stress Scales-21. Logistic regression was used to identify associations between financial stress and strain and depression, anxiety and distress of (a) any severity and (b) severe or worse. Results:…

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Economic stressors and mental health symptoms among Bangladeshi rehabilitation professionals: A cross-sectional study amid COVID-19 pandemic.

Background: Mental health symptoms are considered a public health concern by many professionals and are frequently impacted by factors related to occupation, employment opportunities, and economic stressors. This study investigated the relationship between economic stressors and mental health symptoms among Bangladeshi rehabilitation professionals. Methods: We conducted a cross-sectional survey of 420 rehabilitation professionals between July 2020 and October 2020. Economic stressors were measured using Economic Hardship Questionnaire, Financial Threat Scale, and Financial Well-Being Scale. Mental health symptoms were measured using the Depression, Anxiety, and Stress Scale (DASS-21). Multivariable logistic regression analysis was performed to find associated factors on mental health problems after adjusting confounders. Results: Among 420 rehabilitation professionals 62.1% were male, 38…

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Exploring factors associated with pregnant women's experiences of material hardship during COVID-19: a cross-sectional Qualtrics survey in the United States.

Background: The COVID-19 pandemic has exacerbated the financial insecurity of women and their families globally. Some studies have explored the impact of financial strain among pregnant women, in particular, during the pandemic. However, less is known about the factors associated with pregnant women's experiences of material hardship. Methods: This cross-sectional study used a non-probability sample to examine the factors associated with pregnant women's experiences of material hardship during the COVID-19 pandemic. In January 2021, 183 pregnant women living in the United States participated in an online Qualtrics panel survey. In addition to socio-demographic characteristics, individuals were asked about their finances and predictors of financial well-being, mental health symptoms, and intimate partner violence (IPV) experiences. Chi-square analysis and one-way ANOVA were used to examin…

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Understanding functional and social risk characteristics of frail older adults: a cross-sectional survey study.

Background: Frailty is a condition of increasing importance, given the aging adult population. With an anticipated shortage of geriatricians, primary care physicians will increasingly need to manage care for frail adults with complex functional risks and social-economic circumstances. Methods: We used cross-sectional data from 4551 adults ages 65-90 who responded to the 2014/2015 cycle of the Kaiser Permanente Northern California Member Health Survey (MHS), a self-administered survey that covers multiple health and social characteristics, to create a deficits accumulation model frailty index, classify respondents as frail or non-frail, and then compare prevalence of functional health issues including Activities of Daily Living (ADL)/Instrumental Activities of Daily Living (IADL) and social determinants of health (SDOHs) by frailty status. Results: The overall prevalence of frailty was 14…

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Ethno-Specific Risk Factors for Adverse Pregnancy Outcomes: Findings from the Born in Bradford Cohort Study.

Objectives Preterm birth (PTB) and small for gestational age (SGA) are major causes of perinatal mortality and morbidity. Previous studies indicated a range of risk factors associated with these poor outcomes, including maternal psychosocial and economic wellbeing. This paper will explore a range of psycho-social and economic factors in an ethnically diverse population. Methods The UK's Born in Bradford cohort study recruited pregnant women attending a routine antenatal appointment at 26-28 weeks' gestation at the Bradford Royal Infirmary (2007-2010). This analysis includes 9680 women with singleton live births who completed the baseline questionnaire. Data regarding maternal socio-demographic and mental health were recorded. Outcome data were collected prospectively, and analysed using multivariate regression models. The primary outcomes measured were: PTB (<37 weeks' gestation) and SGA…

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Beyond debt. A moderator analysis of the relationship between perceived financial strain and mental health.

Heavy debt not only has economic consequences, but has also been related to severe psychological and physical distress. The present study investigates the relationship between perceived financial strain and mental health, and individual-level variables that moderate this relationship. Specifically it was expected that employment, access to the latent benefits of work, and self-efficacy would buffer the relationship between perceived financial strain and mental health. In a 2009 study conducted in Austria, among 106 people on the verge of bankruptcy, perceived financial strain appeared as the strongest predictor of distress. This effect was moderated by two out of five latent benefits of work and self-efficacy, but employment status failed to have a significant effect. The findings show the importance of subjective economic stress for the prediction of mental health among people in seriou…

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Does it pay to be smart, attractive, or confident (or all three)? Relationships among general mental ability, physical attractiveness, core self-evaluations, and income.

The authors investigated core self-evaluations and educational attainment as mediating mechanisms for the influence of appearance (physical attractiveness) and intelligence (general mental ability) on income and financial strain. The direct effects of core self-evaluations on financial strain, as well as the indirect effects through income, were also considered. Longitudinal data were obtained as part of a national study, the Harvard Study of Health and Life Quality, and proposed models were evaluated with structural equation modeling. Results supported a partially mediated model, such that general mental ability and physical attractiveness exhibited both direct and indirect effects on income, as mediated by educational attainment and core self-evaluations. Finally, income negatively predicted financial strain, whereas core self-evaluations had both a direct and an indirect (through inco…

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Association between financial strain, social network and five-year recovery from first episode psychosis.

Despite much effort to positively affect long-term outcome in psychosis and schizophrenia many patients are still facing a poor outcome with persistent psychotic symptoms and decline in social functioning. The aim of this study was to examine the relationship between financial strain and social network and five-year outcome of first episode psychosis (FEP). FEP patients were divided into recovered (n = 52) and non-recovered (n = 19). Each person was matched according to age and gender with four persons (n = 284) from a longitudinal population-based study. All persons had answered an extensive questionnaire including social network, quantitative and qualitative, financial strain and mental health. Linear regression analysis showed that both financial strain and social network were associated, and had a unique contribution, to outcome. The results indicate that FEP patients might benefit f…

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Economic stress and child outcomes: the family stress model among Asian American families during COVID-19.

Limited research has examined the impact of financial stress on families since the onset of COVID-19, specifically among Asian American (AA) parents. Informed by the Family Stress Model, this study examined the short-term longitudinal links between economic stress, parental psychological distress (i.e., anxiety and depression symptoms), positive parenting behaviors, and child outcomes three months later (i.e., child internalizing and externalizing problems). Results indicated that Time 1 (T1) parental economic stress was directly and positively associated with positive parenting behaviors at T1 and child internalizing problems at Time 2 (T2). Parental psychological distress at T1 was directly and negatively associated with positive parenting behaviors at T1. Positive parenting behaviors at T1 were directly and negatively associated with child externalizing problems at T2. Parental econom…

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Family Stress Processes and Children's Self-Regulation.

Economic hardship can affect children's development through child-caregiver interactions, which may mediate cascading effects of other family stress processes. This study examined, simultaneously, the relations of financial strain, caregiver general stress, and child-caregiver conflict-each measured at two time points-with child self-regulatory outcomes in a high-poverty sample (age 5-7 years; n = 343). Increase in child-caregiver conflict mediated negative relations between other processes and development of executive function. In contrast, only increase in financial strain had direct, negative association with development of delay of gratification and did not significantly mediate relations between any other process and children's outcomes. Results have implications for understanding effects of family stress on self-regulatory outcomes and for interventions with low-income families.

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Therapist Financial Strain and Turnover: Interactions with System-Level Implementation of Evidence-Based Practices.

Therapist turnover is a major problem in community mental health. Financial strain, which is composed of cognitive, emotional, and behavioral responses to the experience of economic hardship, is an understudied antecedent of therapist turnover given the tumultuous financial environment in community mental health. We prospectively examined the relationship between therapist financial strain and turnover in 247 therapists in 28 community mental health agencies. We expected greater therapist financial strain to predict higher turnover and participation in a system-funded evidence-based practice (EBP) training initiative to alleviate this effect. Controlling for covariates, financial strain predicted therapist turnover (OR 1.12, p = .045), but not for therapists who participated in an EBP training initiative. Reducing financial strain and/or promoting EBP implementation may be levers to redu…

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Depressive symptoms among migrants and non-migrants in Europe: documenting and explaining inequalities in times of socio-economic instability.

Background: With the current study, we aim to explore the extent that migrants report higher rates of depressive symptoms than non-migrant populations in light of gender, childhood experiences, socioeconomic factors and social support across European countries that have been differentially influenced by the economic crisis. Methods: Using data from the seventh round of the European Social Survey and the Greek MIGHEAL survey, we compare the prevalence of depressive symptoms among migrants and non-migrants aged 25-65 years old across 21 countries. Results: Our findings show that migrants report significantly higher levels of depressive symptoms in seven of the examined countries, while in Greece and in the UK, they report significantly lower levels compared with non-migrant populations. The current climate of socioeconomic instability does not seem to necessarily associate with increased r…

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Cognitive social capital and mental illness during economic crisis: a nationwide population-based study in Greece.

The ongoing financial crisis in Greece has yielded adverse effects on the mental health of the population. In this context, the particular study investigates the link between two indices of cognitive social capital; namely interpersonal and institutional trust, and the presence of major depression and generalized anxiety disorder. A random and representative sample of 2256 respondents took part in a cross-sectional nationwide telephone survey the time period February-April 2011 (Response Rate = 80.5%), after being recruited from the national phone number databank. Major depression and generalized anxiety disorder were assessed with the Structured Clinical Interview, while for interpersonal and institutional trust the pertinent questions of the European Social Survey were utilized. Socio-demographic variables were also encompassed in the research instrument, while participants' degree of …

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Major depression in the era of economic crisis: a replication of a cross-sectional study across Greece.

Background: The study endeavoured to gauge the impact of the current economic crisis on the mental health of the Greek population. Particularly, it explored changes in the prevalence rates of major depression between 2008 and 2011, and its link to financial hardship. Furthermore, the study also identified potential predictors of major depression in 2011. Methods: Two nationwide cross-sectional teleophone surveys were conducted in 2008 and 2011 following the same methodology. A random and representative sample of 2.197 and 2.256 people, respectively, participated in the studies. Major depression was assessed with the Structural Clinical Interview, whereas financial strain with the Index of Personal Economic Distress (IPED), an original scale with good psychometric properties. Results: In 2011, one-month prevalence rate of major depression was found to be 8.2%, as compared to the correspon…

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Economic hardship and mental health complaints during COVID-19.

The COVID-19 economic crash is idiosyncratic because of its virtual standstill of economic activity. We therefore ask how individual labor market experiences are related to the development of mental health complaints in the spring of 2020. As clinical data collection was compromised during the lockdowns, standardized surveys of the European labor force provide an opportunity to observe mental health complaints as the crisis unfolded. Data are representative of active members of the labor force of six European nations that contained varying levels of COVID-19 burdens in terms of mortality and lockdown measures. We document a steep occupational prestige level gradient on the probability of facing economic hardship during the lockdowns-looming job loss, income loss, and workload decline-which evidently exacerbate socioeconomic inequalities. Analyses indicate a striking positive relationship…

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