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Comments On Receiving The Distinguished Career Achievement Award Of The Society For Social Work And Research, Michael Sherraden

Center for Social Development Research

This Perspective presents remarks given by Founding Director Michael Sherraden upon receiving the Society for Social Work and Research’s 2023 Distinguished Career Achievement Award in a ceremony at the society’s 2023 annual meeting in Phoenix, Arizona, on January 14, 2023.

Financial Capability And Asset Building In Social And Economic Development: Advancing The Sustainable Development Goals, David Ansong, Moses Okumu, Jin Huang`, Margaret S. Sherraden, Lissa Johnson, Li Zou

Center for Social Development Research

The concern for economic well-being undergirds most of the United Nations Sustainable Development Goals. This Perspective articulates an agenda for advancing those goals in resource-constrained countries by leveraging financial capability and asset-building (FCAB) strategies. It also specifies a role for financial technology (commonly called “FinTech”) in this work. The authors conclude with a call for better integrating FCAB and FinTech into plans for advancing the SDGs.

Statewide Child Development Accounts And Local Partnerships: A Scalable Model That Can Include All Families, Margaret M. Clancy, Michael Sherraden, Jim Huang, Sondra G. Beverly, Youngmi Kim

Center for Social Development Research

This brief presents a policy model for partnering statewide Child Development Accounts (CDAs) with other federal, state, city, and community services for financially vulnerable families. Statewide CDAs use 529 plans as the financial platform.

The brief first outlines the different strengths of local municipalities, social service organizations, and statewide CDAs, and then illustrates the benefits of a combined policy model. The model is designed to increase the positive impacts at scale and ensure that statewide CDAs complement but do not replace efforts by local organizations and governments. With partnerships formed and common challenges met, statewide CDAs, local municipalities and …

The Effects Of Oklahoma's Universal Preschool Policy On Long-Term Educational Outcomes For Students, Betsy Morgan, Madison Stoecker

Senior Honors Papers / Undergraduate Theses

As states have increased their commitment to early childhood education over the past two decades, a debate on the efficacy of state-sponsored universal preschool has divided policymakers, administrators, and taxpayers. Some critics of these programs argue that universal preschool has a diminishing impact which does not justify the up-front cost, while supporters argue that there are long-term positive effects of high quality, universal early childhood education which outweigh the cost. In this paper, we examine the effect, if any, that the existence of a state-funded universally available preschool program has had on county-level average ACT scores in a before-and-after multivariable …

Seed For Oklahoma Kids Wave 3: Extending Rigorous Research And A Successful Policy Model, Margaret M. Clancy, Michael Sherraden, Sondra G. Beverly

Center for Social Development Research

With support from philanthropists, the Center for Social Development at Washington University in St. Louis (CSD) is conducting a third wave of research in the SEED for Oklahoma Kids (SEED OK) experiment. A research study of exceptional quality, SEED OK represents an opportunity to assess the long-term potential of Child Development Accounts (CDAS)—a national system of asset-building accounts for children and youth.1 Wave 3, taking place in 2019 and 2020, expands the original CDA in SEED OK with an automatic progressive deposit, and extends the longitudinal research to examine the impacts of the CDA when the children are in middle …

Reflections From The Front Lines: Ideas And Evidence To Policy, Ray Boshara

Center for Social Development Research

This Perspective presents remarks delivered on September 15, 2016, duringSocial Innovation for America’s Renewal, a policy conference of the Grand Challenges for Social Work initiative. The conference was organized by the Center for Social Development at Washington University in collaboration with the American Academy of Social Work & Social Welfare.

Policy Recommendations For Meeting The Grand Challenge To Achieve Equal Opportunity And Justice, Ruth G. Mcroy, Yolanda C. Padilla, Rocío Calvo, Jeremy T. Goldbach, Martell L. Teasley, Hortensia Amaro, Marilyn Armour, Manuel Cano, Sandra E. Crewe, Westy Egmont, Victor J. Figuero, Rowena Fong, Cynthia G. S. Franklin, Ruby M. Gourdine, John L. Jackson Jr., Mit Joyner, Michael S. Kelly, James E. Lubben, Larry Ortiz, Macheo Payne, Robert Rosales, William A. Vega, Michael D. Walter, Mary C. Waters

Center for Social Development Research

This brief was created forSocial Innovation for America’s Renewal, a policy conference organized by the Center for Social Development in collaboration with the American Academy of Social Work & Social Welfare, which is leading theGrand Challenges for Social Work initiative to champion social progress. The conference site includes links to speeches, presentations, and a full list of the policy briefs.

Policy Recommendations For Meeting The Grand Challenge To Ensure Healthy Development For All Youth, J.David Hawkins, Jeffery M. Jenson, Jordan Devylder, Richard F. Catalano, Gilbert J. Botvin, Mark Fraser, Kimberly A. Bender, Valerie A. Shapiro, Brian Bumbarger

Center for Social Development Research

This brief was created forSocial Innovation for America’s Renewal, a policy conference organized by the Center for Social Development in collaboration with the American Academy of Social Work & Social Welfare, which is leading theGrand Challenges for Social Work initiative to champion social progress. The conference site includes links to speeches, presentations, and a full list of the policy briefs.

Home Delinquency Rates Are Lower Among Aca Marketplace Households: Evidence From A Natural Experiment, Emily A. Gallagher, Radhakrishnan Gopalon, Michal Grinstein-Weiss, Stephen P. Roll, Genevieve Davison

Center for Social Development Research

This brief uses administrative income tax data coupled with survey responses from roughly 5,000 households living near the poverty line to estimate how access to the Affordable Care Act’s health insurance Marketplaces have affected households’ experiences of extreme illiquidity, which is measured by delinquencies on home payments. To estimate this relationship, we exploit a natural experiment underway in states that did not expand Medicaid and created by the eligibility rules for Marketplace subsidies. Results suggest that insured households living near the poverty line are better able to make timely rent and mortgage payments compared with similar, uninsured households. Given housing …

Racial Disparities In Student Debt: Evidence From The Refund To Savings Initiative, Samuel H. Taylor, Dana C. Perantie, Nava Kantor, Michal Grinstein-Weiss, Shenyang Guo, Ramesh Raghavan

Center for Social Development Research

This brief provides evidence that low- and moderate-income (LMI) Black households accumulate significantly more debt in pursuit of a higher education than do LMI White students, even after using rigorous methods to account for race- and debt-related confounders. Using data from the Refund to Savings experiment, the authors find that LMI Black households accrued $7,721 more in student loan debt than their White counterparts did. This finding is crucial in light of the financial vulnerability of this population both before and after college. That vulnerability potentially contributes to diminished returns and exacerbates racial disparities in educational outcomes and wealth accumulation. …

A Savings Account For Every Child Born In Israel: Recommendations For Program Implementation, Michal Grinstein-Weiss, Meredith Covington, Margaret M. Clancy, Michael Sherraden

Center for Social Development Research

In November 2015, Israel enacted legislation to create and fund a Child Development Account program. Beginning in 2017, every baby born to an insured Israeli resident will receive a Child Development Account in his or her name. This brief details the policy, which was developed in collaboration with researchers at the Center for Social Development, and offers recommendations to guide its implementation.

Research Summary: Universal Accounts At Birth: Results From Seed For Oklahoma Kids, Sondra G. Beverly, Margaret M. Clancy, Michael Sherraden

Center for Social Development Research

This research summary consolidates the findings of several studies from the SEED for Oklahoma Kids experiment, a large-scale policy test of universal, automatic, and progressive Child Development Accounts (CDAs). Studies report the positive impacts of the CDA on financial outcomes (e.g., OK 529 college savings account holding and savings) and on nonfinancial outcomes (e.g., educational expectations, mother’s mental health, and child development). The impacts are often greater for disadvantaged and at-risk children. of note, the automatic components make the CDA in SEED OK inclusive and reduce asset inequality early in life. SEED OK studies indicate the importance of automatic account …

Support For A Tax-Time Savings Policy: Interest In Deferring Tax Refunds With Matched Incentives, Dana C. Perantie, Jane E. Oliphant, Michal Grinstein-Weiss

Center for Social Development Research

Support for a Tax-Time Savings Policy: Interest in Deferring Tax Refunds With Matched Incentives

The Seed For Oklahoma Kids Child Development Account Experiment: Accounts, Assets, Earnings, And Savings, Sondra G. Beverly, Margaret M. Clancy, Jin Huang, Michael Sherraden

Center for Social Development Research

This brief presents the latest results from SEED for Oklahoma Kids, a pathbreaking randomized experiment to test the effects of automatic, universal, and progressive Child Development Accounts (CDAs) in a statewide sample. Key features of the CDA are automatic opening of a 529 account and an automatic initial $1,000 deposit. The results show that CDAs with automatic deposits invested in a 529 plan may enable children to accumulate meaningful levels of assets over time, even if their families do not contribute to the accounts. As the brief indicates, the new results also have key implications for public policy.

Evicting Victims: Reforming St. Louis's Nuisance Ordinance For Survivors Of Domestic Violence, Nava Kantor, Molly W. Metzger

Center for Social Development Research

Nuisance ordinances, established in municipalities nationwide to ostensibly protect the well-being of residents, threaten property owners with fines and jail time if they fail to abate a nuisance occurring on their property. Rather than promoting conflict resolution, such punitive consequences incentivize landlords to simply evict the tenants causing the nuisance. The enforcement of nuisance ordinances can have detrimental and disproportionate effects on already vulnerable populations, including tenants in domestic violence situations. The City of St. Louis employs a chronic nuisance ordinance, which is based in part on the number of police calls to a property. This ordinance can force survivors …

From Mass Incarceration To Smart Decarceration, Carrie Pettus-Davis, Matthew W. Epperson

Center for Social Development Research

American Academy of Social Work and Social Welfare Grand Challenges Initiative Concept Paper

Social Workers Shaping Welfare Policy In South Africa: The White Paper For Social Welfare And Lessons For Policy Practice, Leila Patel

Center for Social Development Research

Social Workers Shaping Welfare Policy in South Africa: The White Paper for Social Welfare and Lessons for Policy Practice

Innovations In Asset Building, Michael Sherraden

Center for Social Development Research

Innovations in Asset Building

Social Challenges And Policy Innovations By Social Workers In Australia, Manohar Pawar

Center for Social Development Research

By summarizing the social challenges in the contemporary Australian context, this article aims to discuss policy innovations by Australian social workers. Acknowledging that the concept of policy innovation is broad and sometimes ambiguous, it looks at four examples by social workers. Drawing on secondary data analysis, it discusses how social workers played an important role in introducing legislative changes/amendments to protect children in difficult circumstances, resisted a refugee policy that incarcerates innocent children, challenged and changed procedures and policies within an organization, and influenced policymakers to revert budgetary decisions to enhance access to services. These examples show the social workers’ …

Research Summary: Testing Universal College Savings Accounts At Birth: Early Research From Seed For Oklahoma Kids, Sondra G. Beverly, Margaret M. Clancy, Michael Sherraden

Center for Social Development Research

SEED for Oklahoma Kids is a large-scale policy test of automatic and progressive Child Development Accounts (CDAs), and it is the first truly universal model in the United States. The SEED OK CDA is universal in that it opens an Oklahoma 529 College Savings Plan (OK 529) account on behalf of every infant in the treatment group. This report summarizes key findings and conclusions from SEED for Oklahoma Kids research. Even at this early stage, SEED OK research is informing policy and the design of college savings plans at the state level. Amore recent summary of SEED OK research is …

Automatic Deposits For All At Birth: Maine's Harold Alfond College Challenge, Margaret M. Clancy, Michael Sherraden

Center for Social Development Research

The first statewide Child Development Account (CDA) in the United States announced a major change in strategy to automatically enroll all newborns. Evidence from CDA research has contributed to the decision by the College Challenge to remove its original opt-in requirement—in which parents must enroll their newborns in the state’s 529 college savings plan to receive a $500 grant—in favor of universal enrollment—in which every child is enrolled automatically at birth with a $500 grant.

Taking Physical Activity To The Streets: The Popularity Of Ciclovia And Open Streets Initiatives In The Us, J. Aaron Hipp

Brown School Faculty Publications

As a way to reduce chronic diseases associated with increasingly sedentary lifestyles, the Centers for Disease Control and Prevention advocates community-wide initiatives promoting physical activity. One such initiative gaining popularity in the US is the Ciclovía, or Open Streets initiative, where city streets are opened to residents for physical activity and closed to motorized traffic.1 Open Streets gained international prominence in Bogota, Colombia, and are viewed by policy makers and health and community advocates as being beneficial to social, environmental, and community health.2 The interest in initiatives is demonstrated by the increase in the number of events within and across …

College Savings Match Programs: Design And Policy, Terry Lassar, Margaret M. Clancy, Sarah Mcclure

Center for Social Development Research

We examine here the essential elements and program design of all state 529 savings-match programs as well as the application process and other policy considerations. Like other state programs, 529 savings incentives inevitably reflect the unique demographics, economics, and political makeup of a particular state. This report provides details about inclusive savings-match program features and strategies that could make 529 plans more widely accessible to families of all incomes.

Asset-Based Policy In China: Applied Project And Policy Progress, Li Zou

Center for Social Development Research

Asset-Based Policy in China: Applied Project and Policy Progress

College Success And College Savings Plan Innovations: A Summary Of Research, Center For Social Development

Center for Social Development Research

This paper summarizes CSD publications that resulted from this research and policy work. As a group, these publications demonstrate the scope of CSD’s work in this area from 2009 to present, and yield important insights for policy testing and future research.

Prevalence, Nature, Context And Impact Of Alcohol Use In India: Recommendations For Practice And Research, S. Prabhu, David A. Patterson Silver Wolf (Adelv Unegv Waya) Phd, Catherine N. Dulmus Phd, K. S. Ratheeshkumar

Brown School Faculty Publications

Presently alcohol policy in India takes a moral stand rather than a scientific approach towards understanding and dealing with the problem of alcoholism. To effectively address this social problem in India, public policy must take into account the nature, extent of the problem and the context in which it occurs. This literature review examines the nature, prevalence and impact of alcohol use and misuse in India, within its historical and cultural contexts, as a beginning step to inform policy. Recommendations for practice and future research directions are suggested.

Mei Guo De Zi Chan Jian She: Zheng Ce Chuang Xin Yu Ke Xue Yan Jiu [Asset Building In The Us: Policy Innovation And Scientific Research], Michael Sherraden, Li Zou

Center for Social Development Research

Mei Guo De Zi Chan Jian She: Zheng Ce Chuang Xin Yu Ke Xue Yan Jiu [Asset Building in the US: Policy Innovation and Scientific Research]

Overview Of Child Development Accounts In Developing Countries, Jeff Meyer, Rainier D. Masa, Jamie M. Zimmerman

Center for Social Development Research

Child Development Accounts (CDAs) as a matter of policy have existed for some time, though predominantly in developed countries. While there are at least a few government social programs with CDA components in the developing world, such policies have yet to gain significant traction. This paper finds that despite this lack of policy movement, CDAs do exist in developing countries in a variety of forms and delivered by a diverse group of institutions. Government-linked institutions (such as savings and post banks); non-governmental institutions (such as credit unions and NGOs); and commercial financial institutions are all innovating in CDA design and …

Savings And Educational Attainment: The Potential Of College Savings Plans To Increase Educational Success, Michael Sherraden

Center for Social Development Research

Improved College Savings (529) Plans are part of the Obama administration’s broader focus on postsecondary education access and degree completion. This brief contains a literature review of the effects of savings and assets on outlook and life chances. The brief also examines the potential of savings to influence educational attainment and college completion.

Asset Building Among Native Hawaiians: Lessons From The Kahikū Ida Program, David Rothwell

Center for Social Development Research

Individual Development Accounts (IDAs) are matched savings accounts that encourage asset development for individuals and families with low incomes. Unique program data from an IDA program serving 758 Native Hawaiians were used to model the probability of participating in and graduating from the IDA program. Multivariate logistic regression models show that children in the household, lack of vehicle ownership, and savings goal (education) were associated with a reduced likelihood of program participation. Participants who owned homes and had relatively high savings balances prior to starting the program were more likely to graduate. Additionally, Maui participants were more than three times …