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Annual Report On The Asset Project's Head Start Family Financial Capability Pilot: 2014–2015, Anne S. Robertson, Jami Curley
Annual Report On The Asset Project's Head Start Family Financial Capability Pilot: 2014–2015, Anne S. Robertson, Jami Curley
Center for Social Development Research
Since the Great Recession (December 2007–2009 in the United States), poverty has compromised many families and increased the prevalence of young children living in neighborhoods of concentrated, deep poverty. However, financial literacy interventions have reported promising outcomes for influencing financial choices and financial knowledge, highlighting the potential of such programs for improving the economic positions of families and children. This report presents results from a mixed-methods evaluation of a financial literacy intervention with Head Start families in the St. Louis metropolitan area. The intervention combines savings incentives and one-on-one coaching with 10 hours of financial education on debt management, banking, …
Impacts Of Financial Inclusion On Youth Development: Findings From The Ghana Youthsave Experiment, Gina Chowa, Rainier Masa, David Ansong, Mat Despard, Shiyou Wu, Deborah Hughes, Isaac Osei-Akoto, Stephanie Afranie, Naa Adjorkor Mark-Sowah, Charles Ofori-Acquah, Yungsoo Lee, Lissa Johnson, Michael Sherraden
Impacts Of Financial Inclusion On Youth Development: Findings From The Ghana Youthsave Experiment, Gina Chowa, Rainier Masa, David Ansong, Mat Despard, Shiyou Wu, Deborah Hughes, Isaac Osei-Akoto, Stephanie Afranie, Naa Adjorkor Mark-Sowah, Charles Ofori-Acquah, Yungsoo Lee, Lissa Johnson, Michael Sherraden
Center for Social Development Research
The Ghana YouthSave Experiment investigated whether and how youth savings accounts affect financial capability; psychosocial, education, and health outcomes; and economic well-being of Ghanaian youth and their households. The research rigor in the Ghana experiment is unprecedented in resource-limited countries; therefore, it offers an opportunity to posit causal relationships between savings and youth development. This endline report, which comes three years after the baseline report, describes the Ghana experiment and presents experimental findings of YouthSave. The key research questions this report aims to answer is whether the Ghana experiment improved (1) savings patterns and performance for low-income youth; (2) low-income …
Head Start Family Financial Capability: 2013–2014 Annual Report Of The Asset Project, Jami Curley, Anne S. Robertson
Head Start Family Financial Capability: 2013–2014 Annual Report Of The Asset Project, Jami Curley, Anne S. Robertson
Center for Social Development Research
Head Start Family Financial Capability: 2013–2014 Annual Report of the Asset Project
Beyond Ferguson: Empowering Low-Income People To Build The Future Of Their Communities, Dorothy Stoneman
Beyond Ferguson: Empowering Low-Income People To Build The Future Of Their Communities, Dorothy Stoneman
Center for Social Development Research
Beyond Ferguson: Empowering Low-Income People to Build the Future of Their Communities
Baseline Survey Of The Third Cohort: A Supplemental Report From The Youthsave Ghana Experiment, Gina Chowa, David Ansong, Rainier Masa, Shiyou Wu, Yalitza Ramos, Meli Blake Kimathi
Baseline Survey Of The Third Cohort: A Supplemental Report From The Youthsave Ghana Experiment, Gina Chowa, David Ansong, Rainier Masa, Shiyou Wu, Yalitza Ramos, Meli Blake Kimathi
Center for Social Development Research
Baseline Survey of the Third Cohort: A Supplemental Report From the YouthSave Ghana Experiment
Social Challenges And Policy Innovations By Social Workers In Australia, Manohar Pawar
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’ …
Youth And Their Health In Ghana, Gina Chowa, Rainier Masa, Isaac Osei-Akoto
Youth And Their Health In Ghana, Gina Chowa, Rainier Masa, Isaac Osei-Akoto
Center for Social Development Research
Youth and Their Health in Ghana
Lessons From Seed: A National Demonstration Of Child Development Accounts, Michael Sherraden, Julia Stevens, Deborah Adams, Ray Boshara, Margaret Clancy, Reid Cramer, Bob Friedman, Rochelle Howard, Karol Krotki, Ellen Marks, Lisa Mensah, Bryan Rhodes, Carl Rist, Edward Scanlon, Trina Williams Shanks, Michael Sherraden, Julia Stevens, Leigh Tivol, Robert Zager
Lessons From Seed: A National Demonstration Of Child Development Accounts, Michael Sherraden, Julia Stevens, Deborah Adams, Ray Boshara, Margaret Clancy, Reid Cramer, Bob Friedman, Rochelle Howard, Karol Krotki, Ellen Marks, Lisa Mensah, Bryan Rhodes, Carl Rist, Edward Scanlon, Trina Williams Shanks, Michael Sherraden, Julia Stevens, Leigh Tivol, Robert Zager
Center for Social Development Research
Lessons From SEED: A National Demonstration of Child Development Accounts
Does Household Food Insecurity Affect Parental Characteristics And Child Behavior?: Evidence From The Panel Study Of Income Dynamics (Psid), Jin Huang, Karen M. Matta Oshima, Youngmi Kim
Does Household Food Insecurity Affect Parental Characteristics And Child Behavior?: Evidence From The Panel Study Of Income Dynamics (Psid), Jin Huang, Karen M. Matta Oshima, Youngmi Kim
Center for Social Development Research
This study examines the link between household food insecurity and child behavior problems mediated through parental characteristics (parenting stress, parental warmth, psychological distress, and parent’s self-esteem) using two waves of data from the Child Development Supplement in the Panel Study of Income Dynamics. Analyses of fixedeffects models are conducted on a low-income sample of 416 children from 249 households. This study finds that the effects of food insecurity on child behavior problems are mediated by parenting stress. However, two robustness tests show different results from those of the fixed-effects models. This inconsistency suggests that the complicated relationship between household food …
The Seed For Oklahoma Kids Experiment: Comparison Of Treatment And Control Groups, Youngmi Kim, Yunju Nam
The Seed For Oklahoma Kids Experiment: Comparison Of Treatment And Control Groups, Youngmi Kim, Yunju Nam
Center for Social Development Research
The SEED for Oklahoma Kids Experiment: Comparison of Treatment and Control Groups
Young Children's Perceptions Of College And Saving: Potential Role Of Child Development Accounts, William Elliott Iii, Margaret Sherrard Sherraden, Lissa Johnson, Baorong Guo
Young Children's Perceptions Of College And Saving: Potential Role Of Child Development Accounts, William Elliott Iii, Margaret Sherrard Sherraden, Lissa Johnson, Baorong Guo
Center for Social Development Research
This paper explores young children's perceptions and expectations about attending college, and the potential influence of a savings program on shaping children's perceptions about paying for college. As part of a four-year study of a school-based college savings program called “I Can Save”, this paper uses qualitative evidence from interviews conducted in second and fourth grades with a diverse group of 51 children. Findings suggest that most of the children in the study have a general understanding of college and have begun a process of considering higher education. Further, children in “I Can Save” are more likely than a comparison …
Financial Capability In Children: Effects Of Participation In A School-Based Financial Education And Savings Program, Margaret S. Sherraden, Lissa Johnson, Baorong Guo, William Elliott
Financial Capability In Children: Effects Of Participation In A School-Based Financial Education And Savings Program, Margaret S. Sherraden, Lissa Johnson, Baorong Guo, William Elliott
Center for Social Development Research
A groundswell of interest in young people’s ability to understand and handle financial decisions has generated keen interest in financial knowledge and effectiveness of financial education. This study examines an innovative four-year school-based financial education and savings program, called “I Can Save” (ICS). Using a quasi-experimental design, the study examines quantitative and qualitative data to analyze program effects on financial knowledge. Children who participated in ICS scored significantly higher on a financial literacy test than comparison group students in the same school, regardless of parent education and income. Results suggest that children increase financial capability when they have access to …
Assets And Child Well-Being In Developing Countries: A Research Review, Gina A. N. Chowa, David Ansong, Rainier Masa
Assets And Child Well-Being In Developing Countries: A Research Review, Gina A. N. Chowa, David Ansong, Rainier Masa
Center for Social Development Research
The impact of assets on child well-being in developing countries has received considerable attention in the last decade. Increased recognition of the critical role played by assets in enhancing children’s well-being has spurred efforts to study the relationship between assets and a range of outcomes for children. This chapter reviews current studies (i.e., conducted within the past 10 years) that explore the relationship of asset ownership and a range of outcomes. The studies we have included in this review illustrate the impact that assets can have on children’s outcomes in the area of health, education, and child labor. Overall, the …
Parental Assets And Children's Educational Outcomes, Vernon Loke, Paul Sacco
Parental Assets And Children's Educational Outcomes, Vernon Loke, Paul Sacco
Center for Social Development Research
Several countries, including Canada, Singapore and the United Kingdom, have enacted asset-based policies for children in recent years. The premise underlying these policies is that increases in assets lead to improvement in various child outcomes over time. But little existing research examines this premise from a dynamic perspective. Using data from the NLSY79 mother and child datasets, two parallel process latent growth curve models are estimated to examine the effects of parental asset accumulation on changes in children’s math and reading achievement over six years during middle childhood. Results indicate that the initial level of assets is positively associated with …
Asset Outcomes For Women And Children: A Research Review, Gina Chowa
Asset Outcomes For Women And Children: A Research Review, Gina Chowa
Center for Social Development Research
This paper reviews findings from several studies on asset outcomes for women and children in developing countries. In recent years, the number of studies on asset outcomes for women and children has increased in developed countries; however, there is still a dearth of similar studies in developing countries. Findings from the review reveal that asset outcomes for women in developing countries include increased bargaining power in the household; increased use of reproductive health services; increased expenditure on children’s education, health, and nutrition; and increased household well-being. Asset outcomes for children include educational success and better health. More research on asset …
College Expectations Among Young Children: The Potential Role Of Savings, William Elliott Iii, Margaret Sherrard Sherraden, Lissa Johnson, Suzanne Johnson, Signe Peterson
College Expectations Among Young Children: The Potential Role Of Savings, William Elliott Iii, Margaret Sherrard Sherraden, Lissa Johnson, Suzanne Johnson, Signe Peterson
Center for Social Development Research
For many young people, especially minority and low-income children, attending college is a genuinely desired but elusive goal. This paper explores young children’s perceptions and expectations about attending college and potential influences on their formation. Conducted as part of a four-year study of a school-based saving for college program, this paper uses qualitative evidence from interviews with 60 children in second grade, and surveys with their parents. Findings suggest most of the young children in the study have a general understanding of college and have begun the process of choosing higher education. Further, the perception that saving is a way …
Academic Capabilities And Disadvantaged Students: The Role Of Institutions, William Elliott Iii, Margaret Sherrard Sherraden
Academic Capabilities And Disadvantaged Students: The Role Of Institutions, William Elliott Iii, Margaret Sherrard Sherraden
Center for Social Development Research
Notwithstanding the far reaching intellectual and practical contributions of Bandura’s theory of self-efficacy, researchers have suggested that it may not adequately address the role of institutions. This paper suggests that traditional measures of self-efficacy underemphasize institutional factors. This may have important implications, especially for considering the circumstances of disadvantaged groups. It may be productive to think of self-efficacy as a multidimensional construct that includes personal and institutional dimensions. Using an interdisciplinary approach, we examine how self-efficacy theory can be expanded to account for the social and economic realities of disadvantaged groups and lead to empirical work that can inform policy …
From Financial Literacy To Financial Capability Among Youth, Elizabeth Johnson, Margaret S. Sherraden
From Financial Literacy To Financial Capability Among Youth, Elizabeth Johnson, Margaret S. Sherraden
Center for Social Development Research
Youth in the United States are facing an increasingly complex and perilous financial world. Economically disadvantaged youth, in particular, lack financial knowledge and access to mainstream financial institutions. Despite growing interest in youth financial literacy, we have not seen comparable efforts to improve institutional access to financial institutions and services. Instead of aiming for financial literacy, we suggest aiming for financial capability, a concept that builds on the writing of Amartya Sen and Martha Nussbaum. The paper proposes that financial capability results when individuals develop financial knowledge and skills, but also gain access to financial instruments and institutions. The paper …
Saving And Asset Accumulation Among Low-Income Families With Children In Idas, Michal Grinstein-Weiss, Kristen Wagner, Fred M. Ssewamala
Saving And Asset Accumulation Among Low-Income Families With Children In Idas, Michal Grinstein-Weiss, Kristen Wagner, Fred M. Ssewamala
Center for Social Development Research
Research indicates that low-income families with children have many motives to save, however, the costs of raising children, low wage employment, means tested programs, and the need for child care make it difficult for them to save. Using data from the American Dream Demonstration (n=1,801), this study examines saving performances of low-income families with children in a matched savings program – Individual Development Accounts (IDAs). The results indicate that households with children in IDAs can save when they are provided structured opportunities. In addition, this study finds that institutional factors, not merely individual characteristics, are highly associated with IDA saving …