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Washington University in St. Louis

Youth savings

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Youth Savings Patterns And Performance In Colombia, Ghana, Kenya, And Nepal, Lissa Johnson, Yungsoo Lee, David Ansong, Margaret S. Sherraden, Gina Chowa, Fred Ssewamala, Li Zou, Michael Sherraden, Moses Njenga, Joseph Kieyah, Issac Osei-Akoto, Sharad Sharma, Jyoti Manandhar, Catherine Rodriguez Orgales, Frederico Merchán, Juan Saavedra Apr 2016

Youth Savings Patterns And Performance In Colombia, Ghana, Kenya, And Nepal, Lissa Johnson, Yungsoo Lee, David Ansong, Margaret S. Sherraden, Gina Chowa, Fred Ssewamala, Li Zou, Michael Sherraden, Moses Njenga, Joseph Kieyah, Issac Osei-Akoto, Sharad Sharma, Jyoti Manandhar, Catherine Rodriguez Orgales, Frederico Merchán, Juan Saavedra

Center for Social Development Research

Youth Savings Patterns and Performance in Colombia, Ghana, Kenya, and Nepal


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 Aug 2015

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 …


Voices Of Youth, Parents, And Stakeholders: Findings From Case Studies In The Youthsave Project, Li Zou, Sarah Myers Tlapek, Margaret S. Sherraden, John W. Gabbert, Amy Ritterbusch, Ernest Appiah, Dorcas Opai-Tetteh, Githinji Njenga, Joseph Kieyah, Sharad K. Sharma, Jyoti Manandhar, Manik Maharjan Jun 2015

Voices Of Youth, Parents, And Stakeholders: Findings From Case Studies In The Youthsave Project, Li Zou, Sarah Myers Tlapek, Margaret S. Sherraden, John W. Gabbert, Amy Ritterbusch, Ernest Appiah, Dorcas Opai-Tetteh, Githinji Njenga, Joseph Kieyah, Sharad K. Sharma, Jyoti Manandhar, Manik Maharjan

Center for Social Development Research

Voices of Youth, Parents, and Stakeholders: Findings From Case Studies in the YouthSave Project


Youth Savings Patterns And Performance In Colombia, Ghana, Kenya, And Nepal: Executive Summary, Lissa Johnson, Yungsoo Lee, David Ansong, Margaret S. Sherraden, Gina Chowa, Fred Ssewamala, Li Zou, Michael Sherraden, Mose Njenga, Joseph Kieyah, Issac Osei-Akoto, Sharad Sharma, Jyoti Manandhar, Catherine Rodriguez, Frederico Merchán, Juan Saavedra Mar 2015

Youth Savings Patterns And Performance In Colombia, Ghana, Kenya, And Nepal: Executive Summary, Lissa Johnson, Yungsoo Lee, David Ansong, Margaret S. Sherraden, Gina Chowa, Fred Ssewamala, Li Zou, Michael Sherraden, Mose Njenga, Joseph Kieyah, Issac Osei-Akoto, Sharad Sharma, Jyoti Manandhar, Catherine Rodriguez, Frederico Merchán, Juan Saavedra

Center for Social Development Research

This summary presents an overview of findings from the YouthSave Project's 2015 research report Youth Savings Patterns and Performance in Columbia, Ghana, Kenya, and Nepal. Created in partnership with the MasterCard Foundation, YouthSave investigated the potential of savings accounts as a tool for youth development and financial inclusion in developing countries by co-designing tailored, sustainable savings products with local financial institutions and assessing their performance and development outcomes with local researchers. This study tracked account uptake, saving patterns, and savings performance in youth savings accounts in Colombia, Ghana, Kenya, and Nepal.


Youth Savings Patterns And Performance In Colombia, Ghana, Kenya, And Nepal, Lissa Johnson, Yungsoo Lee, David Ansong, Margaret Sherraden, Gina Chowa, Fred Ssewamala, Li Zou, Michael Sherraden, Moses Njenga, Joseph Kieyah, Issac Osei-Akoto, Sharad Sharma, Jyoti Manandhar, Catherine Rodriguez, Frederico Merchán, Juan Saavedra Jan 2015

Youth Savings Patterns And Performance In Colombia, Ghana, Kenya, And Nepal, Lissa Johnson, Yungsoo Lee, David Ansong, Margaret Sherraden, Gina Chowa, Fred Ssewamala, Li Zou, Michael Sherraden, Moses Njenga, Joseph Kieyah, Issac Osei-Akoto, Sharad Sharma, Jyoti Manandhar, Catherine Rodriguez, Frederico Merchán, Juan Saavedra

Center for Social Development Research

Youth Savings Patterns and Performance in Colombia, Ghana, Kenya, and Nepal


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 Oct 2014

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


Visual Demonstration Of Academic Performance And Parental Involvement In Ghana, David Ansong, Gena A. N. Chowa Sep 2013

Visual Demonstration Of Academic Performance And Parental Involvement In Ghana, David Ansong, Gena A. N. Chowa

Center for Social Development Research

Visual Demonstration of Academic Performance and Parental Involvement in Ghana


Savings Patterns And Performance In Colombia, Ghana, Kenya, And Nepal, Lissa Johnson, Yungsoo Lee, Michael Sherraden, Gina A. N. Chowa, David Ansong, Fred Ssewamala, Margaret Sherraden, Li Zou, Moses Njenga, Joseph Kieyah, Isaac Osei-Akoto, Sharad Sharma, Jyoti Manandhar, Catherine Rodriguez, Frederico Merchán, Juan Saavedra Sep 2013

Savings Patterns And Performance In Colombia, Ghana, Kenya, And Nepal, Lissa Johnson, Yungsoo Lee, Michael Sherraden, Gina A. N. Chowa, David Ansong, Fred Ssewamala, Margaret Sherraden, Li Zou, Moses Njenga, Joseph Kieyah, Isaac Osei-Akoto, Sharad Sharma, Jyoti Manandhar, Catherine Rodriguez, Frederico Merchán, Juan Saavedra

Center for Social Development Research

Savings Patterns and Performance in Colombia, Ghana, Kenya, and Nepal


Parental Involvement's Effects On Academic Performance: Evidence From The Youthsave Ghana Experiment, Gina A. N. Chowa, Rainier D. Masa, Jenna Tucker Sep 2013

Parental Involvement's Effects On Academic Performance: Evidence From The Youthsave Ghana Experiment, Gina A. N. Chowa, Rainier D. Masa, Jenna Tucker

Center for Social Development Research

Research in developed countries suggests that parental involvement is associated with youth academic success, but little is known about this relationship in developing countries. Further, it is unclear which type of parental involvement may impact the academic performance of youth from developing countries. This study examines whether (a) parental involvement at home and in school are meaningfully different constructs in a population of Ghanaian youth and their parents and (b) parental involvement predicts academic performance. Results suggest that parental involvement is a bidimensional construct consists of home and school involvement. The effect of parental involvement on youth academic performance appears …


Relationships Between College Savings And Enrollment, Graduation, And Student Loan Debt, William Elliott Iii, Hyun-A Song, Ilsung Nam Apr 2013

Relationships Between College Savings And Enrollment, Graduation, And Student Loan Debt, William Elliott Iii, Hyun-A Song, Ilsung Nam

Center for Social Development Research

Relationships Between College Savings and Enrollment, Graduation, and Student Loan Debt


Small-Dollar Children's Savings Accounts, Income, And College Outcomes, William Elliott, Hyun-A Song, Ilsung Nam Feb 2013

Small-Dollar Children's Savings Accounts, Income, And College Outcomes, William Elliott, Hyun-A Song, Ilsung Nam

Center for Social Development Research

In this paper, we examine the relationship between children’s small-dollar savings accounts and college enrollment and graduation by asking three important research questions: (a) are children with savings of their own more likely to attend or graduate from college, (b) does dosage (having no account; having basic savings only; or having savings designated for school of less than $1, $1 to $499, or $500 or more) matter, and (c) is designating savings for school more predictive than having basic savings alone? We use propensity score weighted data from the Panel Study of Income Dynamics (PSID) and its supplements to create …


Reducing Student Loan Debt Through Parents’ College Savings, William Elliott, Ilsung Nam Feb 2013

Reducing Student Loan Debt Through Parents’ College Savings, William Elliott, Ilsung Nam

Center for Social Development Research

One policy rationale for promoting Child Development Accounts (CDAs) is that they may help reduce college debt, but no research provides evidence of this. Research does suggest that high-dollar student loans ($10,000 or more) can reduce the probability that lower income students in particular persist in and graduate from college. In this study, we find evidence to suggest that parents’ college savings may reduce the probability that students accrue high-dollar student loan debt across all income levels with the exception of high-income students. Based on this and evidence from separate research on small-dollar children’s savings accounts, we suggest that it …


Youth And Their Health In Ghana, Gina Chowa, Rainier Masa, Isaac Osei-Akoto Jan 2013

Youth And Their Health In Ghana, Gina Chowa, Rainier Masa, Isaac Osei-Akoto

Center for Social Development Research

Youth and Their Health in Ghana


Parental Involvement And Academic Performance In Ghana, Gina Chowa, David Ansong, Issac Osei-Akoto Jan 2013

Parental Involvement And Academic Performance In Ghana, Gina Chowa, David Ansong, Issac Osei-Akoto

Center for Social Development Research

Parental Involvement and Academic Performance in Ghana


Youth And Saving In Ghana: A Baseline Report From The Youthsave Ghana Experiment, Gina Chowa, David Ansong, Rainier Masa, Mat Despard, Isaac Osei-Akoto, Atta-Ankomah Richmond, Andrew Agyei-Holmes, Michael Sherraden Nov 2012

Youth And Saving In Ghana: A Baseline Report From The Youthsave Ghana Experiment, Gina Chowa, David Ansong, Rainier Masa, Mat Despard, Isaac Osei-Akoto, Atta-Ankomah Richmond, Andrew Agyei-Holmes, Michael Sherraden

Center for Social Development Research

Youth and Saving in Ghana: A Baseline Report From the YouthSave Ghana Experiment


Product Pilot Report: Youth Savings Performance In Ghana, Kenya, And Nepal, Lissa Johnson, Yungsoo Lee, Isaac Osei-Akoto, Moses Njenga, Sharad Sharma Jul 2012

Product Pilot Report: Youth Savings Performance In Ghana, Kenya, And Nepal, Lissa Johnson, Yungsoo Lee, Isaac Osei-Akoto, Moses Njenga, Sharad Sharma

Center for Social Development Research

Product Pilot Report: Youth Savings Performance in Ghana, Kenya, and Nepal


Financial Knowledge And Attitudes Of Youth In Ghana, Gina A. N. Chowa, Mathieu R. Despard, Isaac Osei-Akoto Jul 2012

Financial Knowledge And Attitudes Of Youth In Ghana, Gina A. N. Chowa, Mathieu R. Despard, Isaac Osei-Akoto

Center for Social Development Research

Financial Knowledge and Attitudes of Youth in Ghana


Youth In The Ghana Experiment: Characteristics And Living Conditions, Gina A. N. Chowa, Rainier Masa, Isaac Osei-Akoto Jul 2012

Youth In The Ghana Experiment: Characteristics And Living Conditions, Gina A. N. Chowa, Rainier Masa, Isaac Osei-Akoto

Center for Social Development Research

Youth in the Ghana Experiment: Characteristics and Living Conditions


Youth Saving Patterns And Performance In Ghana, Gina A. N. Chowa, Mathieu R. Despard, Issac Osei-Akoto Jul 2012

Youth Saving Patterns And Performance In Ghana, Gina A. N. Chowa, Mathieu R. Despard, Issac Osei-Akoto

Center for Social Development Research

Youth Saving Patterns and Performance in Ghana


The Impact Of Household Possessions On Youth's Academic Achievement In The Ghana Youthsave Experiment, Gina A. N. Chowa, Rainier D. Masa, Christopher J. Wretman, David Ansong May 2012

The Impact Of Household Possessions On Youth's Academic Achievement In The Ghana Youthsave Experiment, Gina A. N. Chowa, Rainier D. Masa, Christopher J. Wretman, David Ansong

Center for Social Development Research

Households play an important role in youth’s academic achievement. Household assets as part of youth’s family background have been found to have a significant impact on youth’s academic achievement. In this study, the impact of household possessions on youth’s academic achievement in the Ghana YouthSave experiment is investigated. Findings support the hypothesized positive direction of the impact of household possessions on academic achievement of youth. Using propensity score optimal matching and matching estimators, results show youth from households that reported owning at least one of the five household items measured scored almost 1 unit higher on English than their peers …


Youth-Related Policies, Center For Social Development, Institute For Statistical, Social, And Economic Research, Kenya Institute For Public Policy Research And Analysis, New Era; Universidad De Los Andes Apr 2012

Youth-Related Policies, Center For Social Development, Institute For Statistical, Social, And Economic Research, Kenya Institute For Public Policy Research And Analysis, New Era; Universidad De Los Andes

Center for Social Development Research

Youth-Related Policies


Challenges And Opportunities For Youth Saving, Center For Social Development, Kenya Institute For Public Policy Research And Analysis, Institute For Statistical, Social, And Economic Research, New Era; Universidad De Los Andes Apr 2012

Challenges And Opportunities For Youth Saving, Center For Social Development, Kenya Institute For Public Policy Research And Analysis, Institute For Statistical, Social, And Economic Research, New Era; Universidad De Los Andes

Center for Social Development Research

Challenges and Opportunities for Youth Saving


Testing An Asset-Building Approach For Young People: Early Access To Savings Predicts Later Savings, Terri Friedline, William Elliott, Gina Chowa Mar 2012

Testing An Asset-Building Approach For Young People: Early Access To Savings Predicts Later Savings, Terri Friedline, William Elliott, Gina Chowa

Center for Social Development Research

A major hypothesis of asset-building is that early access to savings accounts leads to continued and improved educational and economic outcomes over time. This study asks whether or not young adults (ages 18 to 22), particularly lower-income young adults, are significantly more likely to own savings accounts and to accumulate more savings when they have access to savings accounts at banking institutions as adolescents (ages 13 to 17). We investigate this question using longitudinal data (low-to-moderate income sample [LMI; N = 530]; low-income sample [LI; N = 354]) from the Panel Study of Income Dynamics and its supplements. Results from …


Inquiry, Innovation, & Impact: Report To The Community, Center For Social Development Feb 2011

Inquiry, Innovation, & Impact: Report To The Community, Center For Social Development

Center for Social Development Research

Inquiry, Innovation, & Impact: Report to the Community


Youth Savings In Developing Countries: Trends In Practice, Gaps In Knowledge, Jamie Zimmerman, Jamie M. Zimmerman, David Ansong, Shweta S. Banerjee, Ray Boshara, Gina Chowa, Rani Deshpande, Lissa Johnson, Rainier Masa, Kate Mckee, Margaret Miller, Margaret Sherraden, Michael Sherraden, Fred Ssewamala, Thierry Van Bastelaer, Jamie M. Zimmerman, Li Zou Jul 2010

Youth Savings In Developing Countries: Trends In Practice, Gaps In Knowledge, Jamie Zimmerman, Jamie M. Zimmerman, David Ansong, Shweta S. Banerjee, Ray Boshara, Gina Chowa, Rani Deshpande, Lissa Johnson, Rainier Masa, Kate Mckee, Margaret Miller, Margaret Sherraden, Michael Sherraden, Fred Ssewamala, Thierry Van Bastelaer, Jamie M. Zimmerman, Li Zou

Center for Social Development Research

Youth Savings in Developing Countries: Trends in Practice, Gaps in Knowledge


Youth Savings Around The World: Youth Characteristics, Savings Performance, And Potential Impacts, Rainier Masa, Margaret Sherraden, Li Zou, Fred Ssewamala, Lissa Johnson, David Ansong, Gina Chowa, Michal Sherraden May 2010

Youth Savings Around The World: Youth Characteristics, Savings Performance, And Potential Impacts, Rainier Masa, Margaret Sherraden, Li Zou, Fred Ssewamala, Lissa Johnson, David Ansong, Gina Chowa, Michal Sherraden

Center for Social Development Research

Youth Savings Around the World: Youth Characteristics, Savings Performance, and Potential Impacts


Youth Savings Around The World: Youth Characteristics, Savings Performance, And Potential Effects, Rainier Masa, Margaret Sherrard Sherraden, Li Zou, Fred Ssewamala, Lissa Johnson, David Ansong, Gina Chowa, Michael Sherraden May 2010

Youth Savings Around The World: Youth Characteristics, Savings Performance, And Potential Effects, Rainier Masa, Margaret Sherrard Sherraden, Li Zou, Fred Ssewamala, Lissa Johnson, David Ansong, Gina Chowa, Michael Sherraden

Center for Social Development Research

Youth Savings Around the World: Youth Characteristics, Savings Performance, and Potential Effects