Date of Conferral

4-17-2025

Date of Award

April 2025

Degree

Ph.D.

School

Human Services

Advisor

Scott Hershberger

Abstract

Low-income consumers face social and psychological barriers to economic self-sufficiency. This qualitative inquiry aimed to bridge the knowledge gap by examining how social and psychological factors that impede single mothers from achieving economic self-sufficiency. Grounded in Fishbein and Ajzen’s Theory of Planned Behavior (TPB), this study examined factors influencing single parents’ financial behaviors. The findings supported TPB, showing that financial literacy shapes intentions, perceived control increases with stability, and social norms influence financial behavior. Demographic questionnaires were administered, and structured interviews were conducted with 15 single African American mothers. The data was analyzed using themes, code annotations, and categorical classification. This study highlighted the complex interplay of financial, psychological, and systemic factors affecting the economic experiences of low-income single African American mothers. Addressing both individual behaviors and structural inequalities is essential for sustainable progress and the eradication of poverty. For positive social change, practitioners can incorporate TPB into evidence-based strategies to systematically dismantle barriers and create sustainable pathways for economic mobility. Local, state, and federal policy reforms must prioritize asset-building over temporary relief, remove barriers to long-term financial stability, advance strategic partnerships, and implement comprehensive systemic reforms to promote economic mobility among marginalized communities. Future research should include longitudinal, comparative and quantitative studies measuring behavior, attitudes, and long-term effects tailored to strengthen the application of TPB.

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