Although studies point to a relationship between debt and crime, there is a limited understanding of their reciprocal relationship and possible mediating risk factors. Moreover, knowledge about the prevalence and scope of debt among offenders is lacking. Therefore, the present study analyzed 250 client files including risk assessment data from the Dutch probation service on the prevalence of debt and possibly related risk factors. The results show that debt is highly prevalent and complex, which underlines the importance of acquiring more knowledge about debt as a potential risk factor for relapse during supervision. It was found that problems with regard to childhood and living situation, education and work/daytime activities, and mental and physical health may be possible underlying risk factors in the relationship between debt and crime. These insights can help professionals adequately support clients with regard to debt in order to prevent recidivism. debt and crime. These insights can help professionals adequately support clients with regard to debt in order to prevent recidivism.
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Compared to macroeconomic factors, the financial situation of the individual may provide better insight into the relationship between debt and crime. However, the relationship between debt and crime is still unclear and little is known about the causality of this relationship and the factors that influence it. To obtain more insight into this relationship, a systematic and scoping literature review was conducted. Five articles were analyzed in the systematic review, and 24 articles in the scoping review. The results of the systematic review show a strong association between debt and crime whereby debt is a risk factor for crime, especially for recidivism and regardless of the type of crime, and crime is a risk factor for debt. The scoping review provided additional and in-depth insight, and placed the results of the systematic review in a broader perspective. Moreover, it emphasized the prevalence of debt among offenders, regardless of age, and identified the factors that influence the relationship between debt and crime.
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Although studies point to a relationship between debt and crime, there is a limited understanding of their reciprocal relationship and possible mediating risk factors. Moreover, knowledge about the prevalence and scope of debt among offenders is lacking. Therefore, the present study analyzed 250 client files including risk assessment data from the Dutch probation service on the prevalence of debt and possibly related risk factors. The results show that debt is highly prevalent and complex, which underlines the importance of acquiring more knowledge about debt as a potential risk factor for relapse during supervision. It was found that problems with regard to childhood and living situation, education and work/daytime activities, and mental and physical health may be possible underlying risk factors in the relationship between debt and crime. These insights can help professionals adequately support clients with regard to debt in order to prevent recidivism
MULTIFILE
Little research exists on what works in the supervision of offenders with debt problems. This qualitative study aims to provide insight into the barriers probation officers and clients experience during supervision regarding debt and the support that clients need. Interviews were conducted with 33 Dutch probation officers and 16 clients. The results show that debt often negatively influences clients’ lives and hinders their resocialization. Probation officers lack effective methods to support clients with debt problems. To adequately help clients with debt problems, probation officers should obtain more knowledge about effective interventions and collaborate more closely with debt specialists from the probation supervision outset.
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The number of applications for debt management services in the Netherlands shows a steady increase of about 10 percent each year, over the last few years. Municipalities, responsible for these services, at the same need to cut back on expenditures. Our research shows that the (social) return on debt management is on average twice as high as the costs. These benefits are mainly found in the areas of social welfare and housing. Since debts are a reason for employers not to hire or not to continue employment, debt management increases the chance of (continued) employment and therefore helps reduce costs of unemployment and welfare benefits. Since housing corporations spend large sums of money on evictions, the prevention of evictions through debt management also reduces costs in that area. The ratio between the costs and benefits is only partly influenced by the quality of execution. Social structure offers a better explanation, where a weaker social structure results in greater benefits. Our findings are based on extensive research of individual files combined with interviews with professionals. Only direct if-then relations were considered. This means that in reality the cost-benefit ratio may even be more favorable. Municipalities should therefore be careful in cutting back on debt management services. On the other hand, crosslinking debt management with welfare payments and co-operating with housing corporations could open up opportunities for co-financing debt management services.
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Previous studies have found evidence for a relationship between debt and crime, and for problems in childhood, education, work, and mental and physical health as underlying risk factors. However, insight into the interplay between these possible risk factors is limited. Therefore, a mixed methods approach was applied by both creating a quantitative Gaussian Graphical Model (GGM) and conducting qualitative analyses on 250 client files including risk assessment data from the Dutch probation service, to gain more specific insight into the interaction between potential risk factors. The results show that debt is strongly related to criminal behavior and problems in many life domains for most probation clients. Debt seems to be a direct risk factor for crime, but debt and crime also appear to be highly interrelated as part of a complex interplay of risk factors. The most frequently rated factors – limited or incomplete education, no job and related lack of income, and mental and physical health problems – are highly interwoven and increase the risk of both debt and crime. The findings stress the importance of paying attention to and using interventions focusing on strongly related crime risk factors, including debt, and their complex interplay, to supervise probation clients effectively.
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Article about financial problems and debt as predictive factors for recidivism.
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"Purpose – Little is known about effective supervision of offenders with debt. This multiple case study aims to gain insight into working elements in offender supervision on debt. This is important for probation officers to choose the most effective interventions in daily offender supervision. Design/methodology/approach – This study included five best practice cases based on both interviews with involved professionals and clients and client file information. One case was described in detail to illustrate what probation officers and clients encounter when working on debt. All five cases were analyzed thematically using patternmatching techniques and crosscase syntheses on debt background, current supervision, barriers and working elements. Findings – Organization processes and lack of aftercare hinder effective supervision. Close collaboration with other professionals (e.g. debt counselors) is important in supervising clients with debt. The client’s own behavior and motivation for supervision are crucial in the success of debt supervision and can be both hindering and effective. Working elements in supervision depend on personal characteristics of professionals involved and on the extent to which elements of a working alliance, particularly trust and bonding, are built. Practical implications – Support and facilitation from probation organizations regarding primary conditions and collaboration, training professionals in methods of stimulating clients motivation and an effective working alliance are essential to supervise clients with debt adequately. Originality/value – To the best of the authors’ knowledge, no other in-depth study has yet been conducted on working elements in supervision of probationers with debt."
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The relationship between socioeconomic factors and crime is a classic theme in criminological literature. However, the relationship between debt and crime is still unclear, and little is known about the causality of this relationship and the factors that influence it. In addition, effective interventions and guidelines to adequately support offenders with debt are limited. Therefore, this thesis aims to systematically gain more insight into the factors that influence the relationship between debt and crime among probation clients and to contribute to developing tools that probation officers and other forensic social professionals can use to support clients with debt adequately. The relationship between debt and crime was studied by (1) a systematic and scoping literature review (5 studies were included in the systematic review and 24 studies in the scoping review), (2) a client file study including risk assessment data of a sample of 250 Dutch probation clients, (3) a quantitative study including recidivism data of the same sample of 250 Dutch probation clients, (4) interviews with 33 Dutch probation officers and 16 clients, and (5) a multiple case study focusing on working elements in the supervision of individual offenders (5 cases). The results show that debt is prevalent among probation clients, hinders resocialization, and increases recidivism risk. Debt and crime are not only related directly but are also related by a complex interplay of problems in different life domains, such as problems regarding childhood, education and work, and mental and physical health. Notwithstanding the strong relationship between debt and crime, financial assistance for probation clients with debts is limited. As debt is strongly related to problems in other life domains, a systematic collaboration between professionals of different disciplines is necessary to support clients with debt adequately.
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Some artists are lucky; most of them are – money wise – not. Like anything in the world, making art costs money and time (is money). Being in the insecure position of hoping that your investments will be repaid trough visibility and sales leaves artists in a vulnerable position. If you’re an artist living in debt, struggle to pay your rent because you feel you need to live in an expensive city where everything happens, you’re just not that creative!
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