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- United States; 2021 ; 529 college savings plan ; child development accounts (CDA) ; policy ; SEED for Oklahoma Kids (SEED OK) ; state policy ; (3)
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- 2020; child development accounts (CDAs); Trina Shanks; Patrick Meehan; policy; SEED National Initiative; youth; MI-SEED; Michigan; (1)
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- ADD; “African Americans and the Vote”; American Dream Policy Demonstration; applied research; Asset building; Assets and the Poor; at-birth start; automatic enrollment; automatic initial deposit; automatic progressive subsidy; CDA; centralized savings plan; Child Development Accounts; civic engagement; civic service; climate change; “Climate Change: Vulnerability (1)
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- And Downpayment; Savings for Every Child program; SEED for Oklahoma Kids; SEED OK; Smart Decarceration Initiative; social-emotional development; social justice; policing; St. Louis (1)
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- And Social Mobility in America; CRISMA; electoral participation; election protection training; Environment and Social Development initiative; environmental change; Segregation; Housing Policy; Financial Capability and Asset Building; FCAB; Ferguson Commission; Vulnerable Households; financial inclusion; financial knowledge; financial skill; financial social work; Grand Challenges for Social Work; HomeGrown StL; IDAs; Imprisonment; Individual Development Accounts; Inequality; International Consortium for Social Development; International service; investment growth potential; John Lewis “Good Trouble” Voter Awareness March; Keystone Scholars; land acknowledgment; means-tested public benefit exclusions; Meadowlark Program; Meadowlark Scholarship Program; Michael Sherraden; Native land; Oklahoma 529 College Savings Plan; Oklahoma State Treasurer; “People and Climate Change: Vulnerability (1)
- Asset building (1)
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- COVID-19 vaccine (1)
- Child Development Account (CDA) (1)
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Articles 1 - 30 of 33
Full-Text Articles in Social Work
Financial Facts From The Seed For Oklahoma Kids Child Development Account Experiment, Center For Social Development
Financial Facts From The Seed For Oklahoma Kids Child Development Account Experiment, Center For Social Development
Center for Social Development Research
How does a Child Development Account (CDA) opened at a child’s birth shape their access to assets for higher education?
This Fact Sheet highlights findings from Financial Outcomes in a Child Development Account Experiment: Full Inclusion, Success Regardless of Race or Income, and Investment Growth for All (CSD Research Summary 21-06). Products of the SEED for Oklahoma Kids (SEED OK) experiment, both the Fact Sheet and the Research Summary indicate that the automatic CDA in SEED OK greatly increases the likelihood that disadvantaged children have assets for their future education. When given a CDA structure and support for …
Environment And Health In Nigeria: Capacity And Research Development, Christine C. Ekenga, Lisa Reyes Mason, Adetoun Mustapha
Environment And Health In Nigeria: Capacity And Research Development, Christine C. Ekenga, Lisa Reyes Mason, Adetoun Mustapha
Center for Social Development Research
In Africa, population growth, urbanization, and climate change are environmental health challenges of emerging concern. These challenges intersect in Nigeria, Africa’s most populous country. Because of gaps in research capacity, data collection, and research funding, data are lacking on extreme weather’s effects on health there.
This brief describes a project to promote the development of collaborative capacity and research in environmental epidemiology in Nigeria. The project will also produce new knowledge on the physical and mental health impacts of weather extremes among residents of Nigeria’s coastal cities, including Lagos, Africa’s most populous city. The project is designed to improve public …
Homegrown Stl 4th Annual Regional Summit On The State Of Opportunities For Black Boys And Young Men: Closing The Health, Growth, And Opportunity Gaps, Sean Joe, Maribeth Clifton, Demeisha Carlton-Brown
Homegrown Stl 4th Annual Regional Summit On The State Of Opportunities For Black Boys And Young Men: Closing The Health, Growth, And Opportunity Gaps, Sean Joe, Maribeth Clifton, Demeisha Carlton-Brown
Center for Social Development Research
Convened annually, HomeGrown StL’s annual regional summit brings together service providers, government officials, private-sector partners, and residents to strengthen, align, and accelerate local collective-impact strategies that support the health, development, and economic mobility of Black boys and young men in St. Louis City and in St. Louis County.
This report summarizes developments from the 4th Regional Summit on the State of Opportunities for Black Boys and Young Men: Closing the Healing, Growth, & Opportunity Gaps, which convened June 3, 2021. Priority Objectives and Key Results developed during the summit are described. In addition, the report details the progress of HomeGrown …
Did Government Benefits Help Israeli Households Avoid Hardship During Covid-19? Evidence From A National Survey, Olga Kondratjeva, Talia Schwartz-Tayri, Sam Bufe, Stephen Roll, John Gal, Michal Grinstein-Weiss
Did Government Benefits Help Israeli Households Avoid Hardship During Covid-19? Evidence From A National Survey, Olga Kondratjeva, Talia Schwartz-Tayri, Sam Bufe, Stephen Roll, John Gal, Michal Grinstein-Weiss
Social Policy Institute Research
At the outset of the COVID-19 pandemic, the government of Israel quickly introduced aggressive social distancing measures to curb the virus spread and adapted its unemployment insurance program in response to rising unemployment rates. This study examines the relationship between household income and the experience of material hardship during the COVID-19 pandemic in Israel, and investigates how the receipt of unemployment benefits moderated the relationship between income and material hardship. Using data from a household survey, we find a negative association between household income and the experience of material hardship. Moreover, middle-income households receiving unemployment benefits were more likely to …
Targeted Deposits In Pennsylvania’S Keystone Scholars Child Development Account Program, Anne Dececco, Julie Peachey, Margaret M. Clancy
Targeted Deposits In Pennsylvania’S Keystone Scholars Child Development Account Program, Anne Dececco, Julie Peachey, Margaret M. Clancy
Center for Social Development Research
In 2018, Pennsylvania became the first state to legislate a statewide, automatic CDA for all children at birth. In 2021, Pennsylvania achieved another first: an automatic targeted deposit within the Keystone Scholars program to build wealth for financially vulnerable children.
This brief examines two new targeted policy initiatives being piloted for Pennsylvania mothers who participate in WIC, the Special Supplemental Nutrition Program for Women, Infants, and Children. The Bright Future Booster and Milestone pilots represent important steps in expanding the Keystone Scholars program and serving as models for other states. Pennsylvania Treasury and the PA 529 make this CDA policy …
Vaccine Hesitance During Covid-19: Exploring Motivations And Incentives, Laura Brugger
Vaccine Hesitance During Covid-19: Exploring Motivations And Incentives, Laura Brugger
Social Policy Institute Research
As rates of vaccination have slowed, concerns are growing about how to increase vaccine uptake among those who are vaccine hesitant, particularly with the emergence of new and contagious variants such as Delta. Using our national Socioeconomic Impacts of COVID-19 Survey, we examine the predictors of vaccine hesitance in the U.S. and report on findings from an experiment assessing the potential impacts of vaccine incentive schemes.
Our study points to the difficulties in overcoming vaccine hesitance among the unvaccinated. Vaccine hesitance was common across income levels, and experience with COVID-19-related hardships—such as knowing someone who died of the disease or …
Paid Sick Leave Heading Into Covid-19: A Descriptive Account Of Workers Who Lacked Paid Sick Leave, David Rothwell, Sophia Fox-Dichter, Mathieu Despard, Michal Grinstein-Weiss
Paid Sick Leave Heading Into Covid-19: A Descriptive Account Of Workers Who Lacked Paid Sick Leave, David Rothwell, Sophia Fox-Dichter, Mathieu Despard, Michal Grinstein-Weiss
Social Policy Institute Research
Paid sick leave is vital for controlling the spread of illness in the workplace and an invaluable public health tool, but too few workers have access to it. In this brief, we examine the beginning of the COVID-19 pandemic to assess paid sick leave coverage with a focus on the social and economic characteristics of workers without paid leave.
Using a nationally representative survey with roughly 4,000 working respondents, we found that a third lacked access to paid sick leave. Workers without paid leave were younger, more likely to be female, more likely to be white, and less likely to …
Expanded Child Tax Credit Payments Have Not Reduced Employment, Stephen Roll, Leah Hamilton, Yung Chun
Expanded Child Tax Credit Payments Have Not Reduced Employment, Stephen Roll, Leah Hamilton, Yung Chun
Social Policy Institute Research
Approximately 60 million American children living in 35 million households are now receiving monthly payments from the federal government as part of the temporary Child Tax Credit (CTC) expansion. Recently, a debate has emerged over whether or not the expanded CTC will cause parents to leave the workforce. On one side of the debate, a large number of economists have argued that the CTC will not cause a reduction in employment. However, a recent study used a simulation approach to estimate that 2.6% of parents will exit the labor force as a result of the CTC.
The reports below address …
Housing Hardships During Covid-19, Sophia Fox-Dichter, Yung Chun, Stephen Roll, Katie Kristensen
Housing Hardships During Covid-19, Sophia Fox-Dichter, Yung Chun, Stephen Roll, Katie Kristensen
Social Policy Institute Research
Even prior to the COVID-19 pandemic, U.S. households were burdened by the cost of rental and mortgage payments, burdens which disproportionately fell on Black and Hispanic families. Using a 5-wave survey, we examined whether disparities in housing cost burden continued throughout the pandemic and trends in how households fell behind on rent and mortgage payments. We found that more than a third of households experienced housing cost burdens during the pandemic, with a slightly higher percentage of households of color bearing cost burdens than white households. Renters had greater cost burdens than homeowners.
During the pandemic, significantly more Black and …
Employment, Financial And Well-Being Effects Of The 2021 Expanded Child Tax Credit: Wave 1 Executive Summary, Leah Hamilton, Stephen Roll, Mathieu Despard, Elaine Maag
Employment, Financial And Well-Being Effects Of The 2021 Expanded Child Tax Credit: Wave 1 Executive Summary, Leah Hamilton, Stephen Roll, Mathieu Despard, Elaine Maag
Social Policy Institute Research
The 2021 temporary expansion of the Child Tax Credit (CTC) is unprecedented in its reach and is predicted to cut American child poverty by more than half. The expanded CTC provides families with $3,600 for every child in the household under the age of six, and $3,000 for every child between the ages of six and 17. Almost all middle- and low-income families with children are eligible for the CTC. Married parents making less than $150,000 and single parents making less than $112,500 per year will receive the full amount of the credit, which begins to phase out slowly after …
The Socioeconomic Impacts Of Covid-19 Study: Survey Methodology Report, Stephen Roll, Sam Bufe, Yung Chun, Michal Grinstein-Weiss
The Socioeconomic Impacts Of Covid-19 Study: Survey Methodology Report, Stephen Roll, Sam Bufe, Yung Chun, Michal Grinstein-Weiss
Social Policy Institute Research
The Socioeconomic Impacts of COVID-19 Survey uniquely documents the social and economic impacts of a global pandemic as people experienced the global pandemic. These findings can inform social, economic and health policies now and in the future. Though the data from the survey are not publicly available, they are freely available on a limited basis to interested researchers. If you or your organization are interested in accessing the cleaned and coded survey data, or would like more information about the survey, please reach out to the Social Policy Institute at.
Redesigning College Savings (529) Plans To Achieve Inclusive Child Development Accounts: A Policy Brief Developed By Cda Experts And Researchers, José Cisneros, Margaret M. Clancy, William Elliott Iii, Amanda Feinstein, Martha Kanter, Muneer Karcher-Ramos, Clint Kugler, Julie Peachey, Colleen Quint, Thomas M. Shapiro, Michael Sherraden
Redesigning College Savings (529) Plans To Achieve Inclusive Child Development Accounts: A Policy Brief Developed By Cda Experts And Researchers, José Cisneros, Margaret M. Clancy, William Elliott Iii, Amanda Feinstein, Martha Kanter, Muneer Karcher-Ramos, Clint Kugler, Julie Peachey, Colleen Quint, Thomas M. Shapiro, Michael Sherraden
Center for Social Development Research
In this policy brief, prominent Child Development Account (CDA) experts and researchers recommend changes in policies and practices for state college savings (529) plans. If adopted, the changes would make possible the use of the 529 plans to deliver CDAs for all children in the United States. In a companion brief, they present the case for a nationwide CDA policy and identify design principles.
The Case For A Nationwide Child Development Account Policy: A Policy Brief Developed By Cda Experts And Researchers, José Cisneros, Margaret M. Clancy, William Elliott Iii, Amanda Feinstein, Martha Kanter, Muneer Karcher-Ramos, Clint Kugler, Julie Peachey, Colleen Quint, Thomas M. Shapiro, Michael Sherraden
The Case For A Nationwide Child Development Account Policy: A Policy Brief Developed By Cda Experts And Researchers, José Cisneros, Margaret M. Clancy, William Elliott Iii, Amanda Feinstein, Martha Kanter, Muneer Karcher-Ramos, Clint Kugler, Julie Peachey, Colleen Quint, Thomas M. Shapiro, Michael Sherraden
Center for Social Development Research
In this policy brief, prominent Child Development Account (CDA) experts and researchers present the case for a nationwide policy to provide CDAs and build assets for all children in the United States. The authors identify principles for CDA policy design. In a companion brief, they discuss policy and practice changes to make college savings (529) plans far more inclusive.
Reflections Of A Central Bank Governor, Ernest K. Addison
Reflections Of A Central Bank Governor, Ernest K. Addison
Center for Social Development Research
Central banks seldom play central roles in the strategies that researchers and practitioners formulate for fostering financial capability in marginalized populations, but in this Perspective, by Dr. Ernest Addison, Governor of the Bank of Ghana, illustrates that the work of those banks is “inextricably linked” to financial capability.
This Perspective presents remarks offered by Dr. Addison as part of the event marking the launch of Financial Capability and Asset Building in Africa (FCAB Africa). Participants gathered virtually for the start of this multinational collaboration in a session of the 22nd biennial conference of the International Consortium for Social Development, which …
Fcab Africa: Advancing Financial Stability, Security, And Well-Being, Center For Social Development
Fcab Africa: Advancing Financial Stability, Security, And Well-Being, Center For Social Development
Center for Social Development Research
In sub-Saharan Africa, mobile phones and financial technology have opened doors to financial inclusion for millions, but the new financial terrain is uneven ground fraught with risks. High fees, aggressive marketing, mounting personal debt, varied digital access, and nascent regulatory structures heighten vulnerability and threaten hard-won progress toward broad financial inclusion. Financial Capability and Asset Building in Africa, or FCAB Africa, will equip human-service professionals to broaden financial stability, security, and well-being in sub-Saharan Africa, developing the financial capability of service populations and cultivating sound financial strategies. The initiative will also work with financial-service providers to create a comprehensive financial-development …
Lessons On Policies That Strengthen Household Financial Resilience To Overcome Shocks: A Keynote Address By Dr. Mahamudu Bawumia, Vice President Of The Republic Of Ghana, Mahamudu Bawumia Phd
Lessons On Policies That Strengthen Household Financial Resilience To Overcome Shocks: A Keynote Address By Dr. Mahamudu Bawumia, Vice President Of The Republic Of Ghana, Mahamudu Bawumia Phd
Center for Social Development Research
This Perspective presents remarks given by Dr. Mahamudu Bawumia, Vice President of the Republic of Ghana, on July 15, 2021. He delivered this keynote address during FCAB Africa: The Launch of a Multinational Collaboration, an event marking the beginning of the Financial Capability and Asset Building in Africa (FCAB Africa) initiative. Vice President Bawumia drew lessons from pandemic policy and issued a call to broaden access to beneficial financial services and the knowledge and skills required to make optimal financial decisions.
Fcab Africa: Summary Of Achievements As Of July 2021, Center For Social Development
Fcab Africa: Summary Of Achievements As Of July 2021, Center For Social Development
Center for Social Development Research
Financial Capability and Asset Building in Africa (FCAB Africa) is a multinational collaboration designed (a) to equip human-service professionals to broaden the financial stability, security, and well-being of client populations in sub-Saharan Africa; and (b) to work with financial-service providers to create a comprehensive financial-development program delivered through existing services, including fintech. This Fact Sheet describes the goals of the FCAB Africa initiative and strategy for achieving them.
Financial Capability And Asset Building: Achievements, Challenges, And Next Steps, Johnson Lissa, Margaret S. Sherraden, Gena Gunn Mcclendon, Julie Birkenmaier, Jodi Frey, Christine Callahan, Jin Huang
Financial Capability And Asset Building: Achievements, Challenges, And Next Steps, Johnson Lissa, Margaret S. Sherraden, Gena Gunn Mcclendon, Julie Birkenmaier, Jodi Frey, Christine Callahan, Jin Huang
Center for Social Development Research
In the midst of a global pandemic that brought untold numbers of families to a financial precipice, experts came together to examine the role of social work in ensuring financial security and equity for all. This conference report details the most recent of five Financial Capability and Asset Building (FCAB) conferences held since 2015. The two-part virtual conference, held in September 2020 and February 2021, convened leaders in the academy and in the field to discuss achievements, challenges, and next steps in FCAB.
Building Financial Capability And Assets For Disadvantaged Entrepreneurs, Jin Huang, Baorong Guo
Building Financial Capability And Assets For Disadvantaged Entrepreneurs, Jin Huang, Baorong Guo
Center for Social Development Research
Low wages and material need motivates many to supplement income through entrepreneurship, and policymakers intervened to support such efforts in the COVID-19 economy. What lessons can these supports offer for ongoing efforts to support disadvantaged entrepreneurs? Using data from the 2018 National Financial Capability Study, this brief examines the income volatility and emergency savings of disadvantaged entrepreneurs. The findings suggest the potential of long-term policy mechanisms to improve financial security.
Systems Thinking Iceberg: Diving Beneath The Surface In Education Systems, Ebuwa I. Evbuoma, Min Hu, Allie Farrell, William Liem, Ellis Ballard
Systems Thinking Iceberg: Diving Beneath The Surface In Education Systems, Ebuwa I. Evbuoma, Min Hu, Allie Farrell, William Liem, Ellis Ballard
Social System Design Lab
The iceberg is a classic metaphor that is applied to many disciplines beyond systems thinking. The metaphor describes a situation in which what you see (the tip of the iceberg) is only a small portion of what you can’t see (a large, hidden mass of ice below the surface). In systems thinking, we use the iceberg metaphor to think about what is “under the surface” driving the individual events that we see: (1) Patterns of events over time, (2) System Structure that give rise to these patterns and, (3) Beliefs, Mindsets and Goals that inform the design of system structures. …
System Archetypes, Mikayla Branz, Allie Farrell, Min Hu, William Liem, Ellis Ballard
System Archetypes, Mikayla Branz, Allie Farrell, Min Hu, William Liem, Ellis Ballard
Social System Design Lab
K-12 education presents an incredibly complex system that makes solving problems challenging.
Often, we implement changes with the best of intentions, only to see problems get worse rather than better. Many of the structures that cause these patterns can be found all around us - in schools, in businesses, in non-profit organizations, in health systems, and in communities. By learning about these common structures or system archetypes, we can start to identify and anticipate them.
The purpose of this brief is to describe how education stakeholders can use system archetypes as a tool for recognizing, anticipating, and addressing the system …
Framing Dynamic Problems, Ebuwa I. Evbuoma, Allie Farrell, Min Hu, William Liem, Ellis Ballard
Framing Dynamic Problems, Ebuwa I. Evbuoma, Allie Farrell, Min Hu, William Liem, Ellis Ballard
Social System Design Lab
No abstract provided.
Characteristics Of Complex Problems, Allie Farrell, Min Hu, Ebuwa I. Evbuoma, William Liem, Ellis Ballard
Characteristics Of Complex Problems, Allie Farrell, Min Hu, Ebuwa I. Evbuoma, William Liem, Ellis Ballard
Social System Design Lab
Many of the social challenges we care about feel like messy, wicked knots (or a pile of tangled headphones). When we pull on a thread in one place, we create new, tighter knots elsewhere. The messy nature of these challenges is due to, among other things, their complexity. Understanding key features of complex problems helps us understand why problems in education can be especially resistant to change. The purpose of this brief is to share (some) characteristics of complex problems, and introduce system dynamics as a set of tools for managing this complexity.
Mental Models, Lucy Chin, Allie Farrell, Min Hu, William Liem, Ellis Ballard
Mental Models, Lucy Chin, Allie Farrell, Min Hu, William Liem, Ellis Ballard
Social System Design Lab
A central principle of the systems thinking perspective is that system structures are supported and held in place by our underlying beliefs, mindsets, and goals (See Brief 1.01 - Systems Thinking Iceberg). Therefore, in order to transform and redesign systems we must also transform our mindsets. The purpose of this brief is to introduce the concept of mental models, and to discuss how system dynamics tools can be used to elicit, negotiate, and transform them.
Understanding Systems From A Feedback Perspective, Allie Farrell, Min Hu, Lucy Chin, Ebuwa I. Evbuoma, William Liem, Ellis Ballard
Understanding Systems From A Feedback Perspective, Allie Farrell, Min Hu, Lucy Chin, Ebuwa I. Evbuoma, William Liem, Ellis Ballard
Social System Design Lab
Systems perspectives encourage us to see the world as an interconnected system of causal relationships. A fundamental idea of system dynamics perspective the focus on feedback thinking – looking at cause and effect as not just moving in one direction. The purpose of this brief is to introduce the concept of feedback thinking through the lens of challenges in K-12 education, and present Causal Loop Diagrams as tools to describe feedback relationships between components of a system
Accumulations, Mikayla Branz, Allie Farrell, Min Hu, William Liem, Ellis Ballard
Accumulations, Mikayla Branz, Allie Farrell, Min Hu, William Liem, Ellis Ballard
Social System Design Lab
There are several features of complex systems that make creating change in K-12 education difficult, including: delays between the intervention and outcome, unexpected or confusing responses to interventions, and differences in how individuals and groups experience the same systems. The concept of “accumulation” provides important insight into how misperceptions, delays, and counter-intuitive system responses occur in education change efforts. Stock [BE1] and Flow Diagrams are visual tools to identify and visually describe key accumulations in the systems and facilitate conversations to understand systems better.
The purpose of this brief is to describe how the concept of accumulation can help us …
Financial Outcomes In A Child Development Account Experiment: Full Inclusion, Success Regardless Of Race Or Income, And Investment Growth For All, Margaret Clancy
Financial Outcomes In A Child Development Account Experiment: Full Inclusion, Success Regardless Of Race Or Income, And Investment Growth For All, Margaret Clancy
Center for Social Development Research
This research summary presents SEED for Oklahoma Kids (SEED OK) experiment financial outcomes—Oklahoma College Savings Plan 529 (OK 529) account holding and savings—as of December 31, 2019. Wave 3 of SEED OK occurred when children were about 12 years old, nearing the age when they and their families make decisions about high school curricula and, not long after, postsecondary education.
This summary shows that all children can have an asset-building account with resources that grow over time. In particular, the CDA greatly increases the likelihood that disadvantaged children have assets accumulating for their future education. In addition, the CDA in …
A Long-Term Experiment On Child Development Accounts: Update And Impacts Of Seed For Oklahoma Kids, Jin Huang, Sondra G. Beverly, Margaret M. Clancy, Michael Sherraden
A Long-Term Experiment On Child Development Accounts: Update And Impacts Of Seed For Oklahoma Kids, Jin Huang, Sondra G. Beverly, Margaret M. Clancy, Michael Sherraden
Center for Social Development Research
How does a Child Development Account (CDA), opened for an infant at the time of birth, shape that child’s trajectory as he or she grows? For 12-year-old children and their families, the CDA in SEED for Oklahoma Kids had very large positive impacts on financial outcomes and some positive impacts on nonfinancial outcomes, even though the experiment had little intervention over the past 9 years.
This report presents findings from the long-running SEED for Oklahoma Kids experiment, a randomized Child Development Account experiment. Launched in 2007 with a representative sample of newborns, the experiment provided CDAs with substantial …
Mi-Seed Investment Funds And Account Growth: Implications For Achieving Higher Rates Of Return In Cda Programs, Trina R. Shanks, Patrick Meehan
Mi-Seed Investment Funds And Account Growth: Implications For Achieving Higher Rates Of Return In Cda Programs, Trina R. Shanks, Patrick Meehan
Center for Social Development Research
In 2004, the Michigan Saving for Education, Entrepreneurship and Down Payment initiative (MI-SEED) recruited 430 families through 14 Head Start centers, enrolling 497 children in Child Development Accounts (CDAs). Designed to begin to address wealth disparities between low- and high-income families, the MI-SEED CDA used the state 529 college savings plan as the investment instrument. This brief presents results on MI-SEED savings and withdrawals through 2019. The results suggest that investment strategy greatly influences account growth, and the authors offer recommendations for ensuring acceptable growth in CDAs.
Toward Finance As A Public Good, Jin Huang, Margaret S. Sherraden, Michael Sherraden
Toward Finance As A Public Good, Jin Huang, Margaret S. Sherraden, Michael Sherraden
Center for Social Development Research
Financial inclusion is a prerequisite for the financial stability of families and for successful economies, but common conceptualizations of it have not adequately accounted for the financialization of modern life or for the influence of social policy, which increasingly delivers public benefits through financial services. This study proposes a broader conceptualization of financial inclusion, finding support for this new understanding in results from analyses of data from the 2016 National Financial Well-Being Survey and from a case study of Child Development Accounts.
Support for this publication comes from the Kauffman Foundation (Grant No. 201806-4478).