CONSENT TO PARTICIPATE IN RESEARCH
Title of Study: Disordered Money Behaviors: Investigating the Differences in Money Behaviors that Afghan Refugees, Second-Generation Afghans, and Western Locals Experience.
You are asked to participate in a research study conducted by Talwasa Sarwan under the supervision of Dr. Antonia Svensson from the Department of Psychology, Empire State University. If you have any questions or concerns about this research please feel free to contact Talwasa Sarwan at xsarwant@student.unyp.cz or Dr. Antonia Svensson at antonia.svensson-dianellou@sunyempire.edu. The results from this study will be for a bachelor's Thesis on the differences in disordered money behaviors between Afghan refugees, second-generation Afghans, and British locals.
The purpose of this study is to identify any differences in disordered money behaviors between Afghan refugees settling in the UK, second-generation Afghans born in the UK to Afghan refugee parents, and British locals whose parents were born and raised in the UK. The findings of these studies aim to assist and establish policies that may help Afghan refugees to financially integrate into the UK. By addressing any differences in disordered money behaviors, the study aims to establish which areas to take into consideration when developing the previously mentioned policies.
If you consent to participate in this study, you will be requested to fill out a short online questionnaire requesting demographical information, such as age, gender, immigration status (refugee, second-generation, local), and years spent residing in the UK (for refugee participants). The demographic questionnaire should take 1- 5 minutes at most. Following the demographics questionnaire, you will be asked to fill out the Klontz Money Behavior Inventory online Questionnaire which consists of a total of 66 prompts to which you will be asked if you strongly disagree, disagree, disagree a little, agree a little, agree, and strongly agree with. The questions will center around the following categories:
- Compulsive buying, Pathological Gambling, Workaholism, Compulsive, Hoarding, Underspending, Overspending, Financial Enabling, Financial, Dependence, Financial Rejection, and Financial Enmeshment.
The questionnaire can take anywhere between 10 - 20 minutes depending on how long you spend on each question. If any of the questions do not apply to you then feel free to select “strongly disagree”. In total, the study should not take more than 30 minutes. Once you complete the questionnaire, you will be fully debriefed on the purpose of the study, what each category means, the hypothesis of the study, the significance of the study, and additional resources that you can access regarding this topic. You can partake in this study anytime between 1.4.2024 to 21.4.2024
- THE POTENTIAL RISKS, DISCOMFORTS, AND CONCERNS
The content of this study deals with personal finances and unhealthy money behaviors. Some people might experience mild distress when answering questions about their money behaviors. Additionally, some people may feel uncomfortable answering questions regarding personal finances. If you feel that the content of this study may be triggering or cause distress, please prioritize your health and well-being first.
The following are hotlines you can access regarding any health-related problems:
For mental-health-related support, you can contact:
- Samaritans: 116 123
- NHS: 111
For mental-health-related support for refugees specifically, you can contact:
- The Refugee Council: 020 7346 6700 , Mental health support for refugees and asylum seekers
- Refugee Council
For Financial/Social health-related support, you can contact:
- The Red Cross: 0808 196 3651 (hours of operation at National Support Line | helpline | British Red Cross)
For life-threatening or medical emergencies please contact 999
If you are feeling unwell, mentally or physically please contact the NHS helpline 11
- THE POTENTIAL BENEFITS TO PARTICIPANTS AND/OR TO GENERAL SOCIETY
The findings of this study aim to support initiatives for policies that will support the financial well-being and development of healthy money behavior of refugees. Participants who contribute to this study will benefit by contributing to research in the field of financial behavior and the well-being of Afghan refugees.
There will be no compensation in this study.
Any information obtained throughout this study will be stored in a password-protected device until the 1st of September, 2024. After the 1st of September, all information will be permanently deleted to ensure your privacy. Only the researcher, Talwasa Sarwan will have access to the data. Your identity will be strictly anonymous, any identifying information such as name, email, and location will not be recorded.
- PARTICIPATION AND WITHDRAWAL RIGHTS
Participation in this study is completely voluntary, you can choose whether or not you would like to partake in this study. If throughout the study, there are questions you do not feel comfortable answering, feel free to skip them. If throughout the study, you change your mind about participating then you have the right to withdraw from the study. If after completing the study, you change your mind about participating in this study, you still have the right to withdraw consent. When you withdraw consent your data will be erased. You can withdraw consent up until the 31st of May. The purpose of this deadline is that after the 31st, the thesis will be finalized and the data analysis will be complete.
To ensure that you can withdraw your data while remaining anonymous, at the beginning of the study you will be asked to make a unique 4-digit code comprising both letters and numbers. Please remember this code as it will be the only way for the researcher to find your data and remove it in case you want to withdraw your consent.
If you want to withdraw your consent, please contact Talwasa Sarwan at xsarwant@student.unyp.cz or Dr. Antonia Svensson at antonia.svensson-dianellou@sunyempire.edu. Make sure to include the 4-digit code that you have created.
- FEEDBACK OF THE RESULTS OF THIS STUDY
If you are interested in the findings of the study or have any additional comments, please feel free to contact Talwasa Sarwan at xsarwant@student.unyp.cz after the 1st of September for the full thesis or a summary of the findings.
- RIGHTS OF RESEARCH PARTICIPANTS
You have the withdrawal right to your consent at any time before the 31st of May, and discontinue your participation without any penalty. If you have any questions concerning your rights as a subject, contact Robert Sanders, Ed.D., Associate Provost for Faculty and Academic Excellence /IRB Compliance Officer, Empire State University, 1 Union Avenue, Saratoga Springs, 12866; (518) 580-4862, ext. 2449.
