- ICH GCP
- US Clinical Trials Registry
- Clinical Trial NCT05609188
Black Economic Equity Movement (BEEM)
July 14, 2023 updated by: University of California, San Francisco
Increasing Financial and Health Equity Among Low Income Black Youth and Young Adults
The primary goal is to understand the potential impacts of Guaranteed Income (GI) on Black youth and young adults' financial, emotional, and physical well-being.
The main question it aims to answer is: What are the impacts of GI on Black young adults' investments in their future, mental health and unmet mental and sexual/reproductive health service needs?
Participants will receive guaranteed income for 12 months and will be offered enrollment in financial capability programs.
Study Overview
Status
Active, not recruiting
Conditions
Intervention / Treatment
Detailed Description
The BEEM project is a randomized controlled crossover trial in which 300 low-income Black Emerging Adults (BEA) (aged 18-24) are allocated to receive a $500/month Guaranteed Income (GI) either during the first twelve months of follow-up (phase I) or to receive GI in the second 12 months of a total of 24 months follow-up (phase II).
All participants will be offered enrollment in financial capability programs (including peer learning circles and individual financial coaching) to bolster GI effectiveness and will also receive a periodic cell phone-based text messages to ensure that BEA with unmet health service needs receive referrals.
The investigators hypothesize that this intervention will increase BEA's investment in their future (education, employment training), improve mental health (depression, anxiety), and reduce unmet mental health and sexual/reproductive health service needs.
Study Type
Interventional
Enrollment (Actual)
300
Phase
- Not Applicable
Contacts and Locations
This section provides the contact details for those conducting the study, and information on where this study is being conducted.
Study Locations
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California
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San Francisco, California, United States, 94143
- University of California San Francisco
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Participation Criteria
Researchers look for people who fit a certain description, called eligibility criteria. Some examples of these criteria are a person's general health condition or prior treatments.
Eligibility Criteria
Ages Eligible for Study
18 years to 24 years (Adult)
Accepts Healthy Volunteers
Yes
Description
Inclusion Criteria:
- Between 18-24 years of age at enrollment
- Self-Identify as African American or Black
- Live in a low-income housing tax credit (LIHTC) qualified census tract (QCT) in San Francisco or Oakland. Youth who are homeless or marginally housed in San Francisco and Oakland are also eligible; those who are marginally housed will need a letter from a youth agency that can affirm their marginal housing status.
- Must not be currently enrolled in another GI project
- Must have lived in the US for at least 3 years.
- Must provide informed consent
Exclusion Criteria:
- Participation in another GI program at the time of enrollment
- Lived in the United States for less than 3 years
- Have plans to permanently leave the Bay Area
- Being under the influence of alcohol or other substances at the time of enrollment.
Study Plan
This section provides details of the study plan, including how the study is designed and what the study is measuring.
How is the study designed?
Design Details
- Primary Purpose: Prevention
- Allocation: Randomized
- Interventional Model: Crossover Assignment
- Masking: Double
Arms and Interventions
Participant Group / Arm |
Intervention / Treatment |
---|---|
Experimental: Cash now
Participants allocated to the "cash now" arm will receive a $500/month Guaranteed Income (GI) during the first twelve months of follow-up (Phase 1) and no GI in the second twelve months of follow-up (Phase 2).
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Monthly cash transfer of $500 per month for 12 months.
Participants can opt-in to attend peer learning circles (also called My Money Hour), which are discussion groups of 10-12 participants about financial topics co-led by a peer (Black youth) with experience in financial programming and an adult financial coach.
My Money Hour sessions will be offered on-line multiple times throughout every month of the project, with rotating themes, to ensure that the 50-minute sessions are available different days of the week and times of the day.
Participants can opt-in to receive financial coaching sessions with a trained financial mentor.
Meetings will occur monthly and typically include six one hour sessions.
The mentor will be responsive to individual needs, but will touch on the following priority areas: building credit (credit repair, improving credit scores, credit products); savings (emergency savings plans, savings habits and strategies, understanding savings accounts); money management (creating budgets, understanding income vs expense, assessing spending, making better financial decisions); financial products (credit building products, auto loans, credit cards); and long-term goals (home ownership, investments).
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Other: Cash in a year
Participants allocated to the "cash in a year" arm will receive no Guaranteed Income (GI) during the first twelve months of follow-up (Phase 1) but will receive a $500/month GI in the second twelve months of follow-up (Phase 2).
|
Monthly cash transfer of $500 per month for 12 months.
Participants can opt-in to attend peer learning circles (also called My Money Hour), which are discussion groups of 10-12 participants about financial topics co-led by a peer (Black youth) with experience in financial programming and an adult financial coach.
My Money Hour sessions will be offered on-line multiple times throughout every month of the project, with rotating themes, to ensure that the 50-minute sessions are available different days of the week and times of the day.
Participants can opt-in to receive financial coaching sessions with a trained financial mentor.
Meetings will occur monthly and typically include six one hour sessions.
The mentor will be responsive to individual needs, but will touch on the following priority areas: building credit (credit repair, improving credit scores, credit products); savings (emergency savings plans, savings habits and strategies, understanding savings accounts); money management (creating budgets, understanding income vs expense, assessing spending, making better financial decisions); financial products (credit building products, auto loans, credit cards); and long-term goals (home ownership, investments).
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What is the study measuring?
Primary Outcome Measures
Outcome Measure |
Measure Description |
Time Frame |
---|---|---|
Proportion of Participants Reporting Investments in the future
Time Frame: 12 months of follow-up
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Indication of enrollment in education, certification, or employment training programs.
The analysis plan includes use of repeated measures to estimate the difference in investments in the future at 12 months between study arms relative to baseline proportion.
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12 months of follow-up
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Proportion of Participants with Unmet Mental Health Service Needs
Time Frame: 12 months of follow-up
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Defined as the absence of receiving mental health care when needed.
Unmet mental health need will be assessed by scoring 15 or above on the CESDR-10 or ≥ 10 on the brief Generalized Anxiety Disorder scale (GAD-7), and not reporting that care was utilized.
Service utilization is based on self-report as stating "no" to having accessed any MH service from any kind of health professional.
The analysis plan includes the use of repeated measures to estimate the difference in unmet mental health service needs between study arms.
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12 months of follow-up
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Unmet Sexual and Reproductive Health Service Needs
Time Frame: 12 months of follow-up
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Defined as the absence of receiving sexual and reproductive health services when needed, including STI testing and family planning.
This will be measured as self-reported need for SRH (having symptoms of an STI, unprotected sex, or being at risk of unwanted pregnancy) and not reporting that SRH services were utilized.
Service utilization is based on self-report as stating "no" to having accessed any SRH service from any kind of health professional.
The analysis plan includes the use of repeated measures to estimate the difference in unmet sexual and reproductive health service needs between study arms.
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12 months of follow-up
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Proportion of Participants with a Major or Probable Major Depressive Episode
Time Frame: 12 months of follow-up
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Using the Center for Epidemiologic Studies Depression Scale Revised (CESDR-10), a 'major depressive episode' is defined as 1) the presence of anhedonia (inability to feel pleasure), dysphoria (generalized dissatisfaction with life), or irritability 'all the time' or 5-7 days for the past week and 2) at least 4 additional symptoms endorsed as occurring 'all the time' or 5-7 days in the past week.
A 'probable major depressive episode' is defined as 1) the presence of anhedonia, dysphoria or irritability nearly every day for the past week, and 2) an additional 3 symptoms endorsed as occurring 'all the time' or 5-7 days in the past week.
The analysis plan includes use of repeated measures to estimate the difference in depressive symptoms at 12 months between study arms relative to baseline proportion.
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12 months of follow-up
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Secondary Outcome Measures
Outcome Measure |
Measure Description |
Time Frame |
---|---|---|
Savings: Proportion of participants with saving to cover a $400 expense
Time Frame: Baseline and 12 months
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Participants will self-report having enough savings to cover an unexpected expense of $400.
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Baseline and 12 months
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Proportion of Participants with Debt
Time Frame: Baseline and 12 months
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Self- reported holding of debt, including: fraudulent debt, owed child support, banking/overdraft fees, bail debts, school debts, utility debts, and credit card or payday loan debt.
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Baseline and 12 months
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Credit score
Time Frame: Baseline and 12 months
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Having a good credit score, defined as a FICO score of 680 points or higher vs. no credit (being credit invisible) or having low a credit score, defined as a FICO score of less than 680.
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Baseline and 12 months
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Proportion of participants with Generalized Anxiety
Time Frame: 12 months of follow-up
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Score of 10 or above on the brief Generalized Anxiety Disorder scale (GAD-7) represents moderate to severe anxiety.
The GAD-7 scale ranges from 0-21 with higher scores indicating more generalized anxiety.
The analysis plan includes the use of repeated measures to estimate the difference in generalized anxiety at 12 months between study arms relative to baseline proportion.
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12 months of follow-up
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Hope for the future
Time Frame: Baseline and 12 months
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Hope will be measured using the Hope Matters scale, including 12 items that elicit future expectancy characterized by an individual's perception that a desirable future outcome can be achieved.
Participants' level of hope will be classified by using a mean score, with a range of 1-4, with increasing values signifying higher levels of hope.
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Baseline and 12 months
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Financial Capability Score
Time Frame: Baseline and 12 months
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A composite measure of financial knowledge, skills, practices, and mindset
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Baseline and 12 months
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Collaborators and Investigators
This is where you will find people and organizations involved with this study.
Investigators
- Principal Investigator: Sheri A Lippman, PhD, University of California, San Francisco
- Principal Investigator: Marguerita Lightfoot, PhD, Oregon Health & Science University-Portland State University School of Public Health
- Principal Investigator: Margaret Libby, MSW, MyPath
Publications and helpful links
The person responsible for entering information about the study voluntarily provides these publications. These may be about anything related to the study.
Helpful Links
Study record dates
These dates track the progress of study record and summary results submissions to ClinicalTrials.gov. Study records and reported results are reviewed by the National Library of Medicine (NLM) to make sure they meet specific quality control standards before being posted on the public website.
Study Major Dates
Study Start (Actual)
November 1, 2022
Primary Completion (Estimated)
July 30, 2025
Study Completion (Estimated)
July 30, 2025
Study Registration Dates
First Submitted
November 1, 2022
First Submitted That Met QC Criteria
November 1, 2022
First Posted (Actual)
November 8, 2022
Study Record Updates
Last Update Posted (Actual)
July 18, 2023
Last Update Submitted That Met QC Criteria
July 14, 2023
Last Verified
July 1, 2023
More Information
Terms related to this study
Additional Relevant MeSH Terms
Other Study ID Numbers
- 1U01OD033266-01 (U.S. NIH Grant/Contract)
Plan for Individual participant data (IPD)
Plan to Share Individual Participant Data (IPD)?
NO
IPD Plan Description
IPD will not be shared with other researchers.
Drug and device information, study documents
Studies a U.S. FDA-regulated drug product
No
Studies a U.S. FDA-regulated device product
No
This information was retrieved directly from the website clinicaltrials.gov without any changes. If you have any requests to change, remove or update your study details, please contact register@clinicaltrials.gov. As soon as a change is implemented on clinicaltrials.gov, this will be updated automatically on our website as well.
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