Julie Birkenmaier, Mathieu Despard, Terri Friedline, and Jin Huang
Financial inclusion, the goal of financial access, broadly refers to the ability of all people in a society to access and be empowered to use safe, affordable, relevant, and convenient financial products and services for achieving their goals. Financial inclusion promotes household and societal financial well-being and requires access to an array of financial products and services such as savings accounts, credit cards, mortgage and small business loans, and small-dollar consumer loans. Despite the advantages, too many individuals and households lack financial inclusion and access by being unbanked, underbanked, and/or they are forced to use alternative financial services. Achieving financial inclusion will require participation from many different types of formal financial institutional actors, such as banks, credit unions, community development financial institutions, and national credit bureaus. Social work assists to build financial inclusion and access through practice innovations, research, and policy advocacy.
Kirsten A. Grønbjerg
Of the 1.6 million tax-exempt organizations registered with the IRS in August 2016, about one fourth are human service nonprofits, including about 290,000 charities with about $230 billion in total combined revenues. In 2016, human service public charities (excluding private foundations) received an estimated $47 billion in charitable contributions. This represents 12% of all charitable contributions, according to the Giving USA Foundation, and is about 21% of the combined revenues reported by the more than a quarter million registered human service public charities. While government funding is a major driving force for human service charities, philanthropic funding clearly is important as well. Securing such funding requires solid understanding of the fundraising process and dedicated time and effort, however. Moreover, competition for donations (and fundraising expertise) appear to be growing across the board, with donations from individuals, United Way, and corporate contributions most at risk for human service charities.
The International Council on Social Welfare (ICSW) is a nongovernmental organization (NGO) focused on advocacy, knowledge-building, and technical assistance projects in various areas of social development carried out at the country level and internationally. Created in 1928 in Paris to address the complexities and challenges of social work, the ICSW has evolved through the years to embrace the major issues of social development, becoming a global organization committed to improving human well-being. Establishing common ground on issues of international significance and acting with partners through its nine regional networks, ICSW represents national and local organizations in more than 70 countries throughout the world. Membership also includes major international organizations. By virtue of its constitution, it operates as a democratic and accountable organization.
Jerry D. Marx
Philanthropy can be defined as the voluntary effort to increase the well-being of humankind. It includes the giving of money, time, or other resources to charitable organizations. Philanthropy is especially important in the United States, because of the nation's emphasis on private initiative and minimal government in promoting societal well-being. The profession of social work has its roots in the development of a more scientific approach to philanthropy. In the aftermath of the Great Recession of 2008, social workers have faced increased challenges in soliciting donations to human service charities.
Cheryl L. Franks and Marion Riedel
Privilege is the invisible advantage and resultant unearned benefits afforded to dominant groups of people because of a variety of sociodemographic traits. Privilege provides economic and social boosts to dominant groups while supporting the structural barriers to other groups imposed by prejudice. Social work education and practice seldom challenges us to evaluate the effects of privilege on our professional relationships and the concomitant systems of oppression that marginalize many of the groups we work with. Privilege nurtures dependence, distances us from others, and creates a barrier to reflective social work practice. Acknowledging the effects of privilege increases our capacity to affirm our humanity and that of the communities we serve.
John M. Herrick
Social policy is how a society responds to social problems. Any government enactment that affects the well-being of people, including laws, regulations, executive orders, and court decisions, is a social policy. In the United States, with its federal tradition of shared government, social policies are made by governments at many levels—local, state, and national. A broad view of social policy recognizes that corporations and both nonprofit and for-profit social-service agencies also develop policies that affect customers and those they serve and therefore have social implications. Social policies affect society and human behavior, and their importance for social-work practice has long been understood by the social-work profession. Modern social welfare policies, which respond to basic human needs such as health care, housing food, and employment, have evolved since their introduction during the New Deal of the 1930s as responses to the Great Depression. In the aftermath of the recent “Great Recession” that began in 2006, the nation has once again experienced the kinds of social problems that led to the creation of innovative social welfare policies in the 1930s. How policy makers respond to human needs depends on who has the power to make policy and how they conceptualize human needs and the most effective ways to respond to them. In the early 21st century, the idea that the state should guarantee the welfare and well-being of its citizens through progressive welfare state policies and services has few adherents among policy makers. The complex social problems resulting from the recession—the highest unemployment since the Great Depression of the 1930s, escalating budget deficits at all levels of government, an unprecedented housing crisis exemplified by massive foreclosures, increasing social and economic inequality, a nation polarized by corrosive political conflict and incivility—create a context in which social policies are debated vociferously. Social workers, long committed to the ideal of social justice for all, are obligated to understand how policies affect their practice as well as the lives of those they serve and to advocate for policies that will improve social well-being as the United States recovers.
Phyllis J. Day
American social welfare began in the colonial period with the adoption of the Elizabethan Poor Laws as the basis for treatment of society's poor and deviant. By the beginning of the Progressive Era (1900), immigration, the Women's Movement, scientific investigation of social problems, and societal growth produced significant innovations in both public and private perceptions, programs, and treatment in such areas as poor relief, mental and physical health, and corrections, and led to the beginnings of professionalization of social work.
This entry traces American social welfare development from the 1890s to 1950. It also includes social work's participation and response to need during two critical times in American history: the Progressive Era and the New Deal. Social reformers were instrumental in the development of social legislation, including the establishment of the Children's Bureau as well as the development of a public welfare system at the state level. America's response to human suffering left many groups, such American Indians, African Americans, and Asians, marginalized. In response, African Americans established a parallel system of private relief through organizations such as the National Urban League, unlike the other racial groups.
Philip R. Popple
Formal or institutional social services began in the United States in the late 19th century as a response to problems that were rapidly increasing as a result of modernization. These services were almost entirely private until the Great Depression in the 1930s when the government became involved via provisions of the Social Security Act. Services expanded greatly, beginning in the 1960s when the federal government developed a system wherein services were supported by public funds but provided through contracts with private agencies. This trend has continued and expanded, resulting in a uniquely American system wherein private agencies serve as vehicles for government social service policy.