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Full-Text Articles in Social Work
The Human Capital Agenda: Asset Holding And Educational Attainment Among African-American Youth, William Elliott, Kevin Kim, Hyunzee Jung, Min Zhan
The Human Capital Agenda: Asset Holding And Educational Attainment Among African-American Youth, William Elliott, Kevin Kim, Hyunzee Jung, Min Zhan
Center for Social Development Research
This study extends previous analyses in several ways. First, in addition to parental wealth, the relationship between children’s wealth and math and reading scores are examined. Second, we examine different mediating pathways that wealth may affect children’s math and reading scores in a single path analysis model. The advantage of path analysis over traditional regression analyses, which are typically used in this area, is that researchers can get a glimpse of relationships among variables. While the focus of regression analysis is on the associations of predictors with outcome variables, path analysis provides a larger picture of the overall structure of …
Child Development Accounts And Saving For Children's Future: Do Financial Incentives Matter?, Lisa Reyes Mason, Yunju Nam, Margaret Clancy, Youngmi Kim, Vernon Loke
Child Development Accounts And Saving For Children's Future: Do Financial Incentives Matter?, Lisa Reyes Mason, Yunju Nam, Margaret Clancy, Youngmi Kim, Vernon Loke
Center for Social Development Research
This study examines savings outcomes in the first large-scale demonstration of Child Development Accounts (CDAs) in the United States—the Saving for Education, Entrepreneurship, and Downpayment (SEED) initiative. It is also the first empirical study, to our knowledge, to investigate associations between savings outcomes and incentives in an asset-building program for children. This study enhances knowledge about saving in CDAs, incentives in public policy in general, and incentives in savings policy in particular. Results can inform CDA policy design.
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 …
City And Community Innovations In Cdas: The Role Of Community-Based Organizations, Carl Rist, Liana Humphrey
City And Community Innovations In Cdas: The Role Of Community-Based Organizations, Carl Rist, Liana Humphrey
Center for Social Development Research
In the SEED Initiative, twelve community-based organizations (CBOs) across the United States and its territories were chosen to offer CDAs, establish best practices in delivering CDAs and demonstrate “proof of concept.” Since the inception of the SEED Initiative, a second wave of CDA programs has emerged at the local level. The purpose of this paper is to analyze these community and city-wide CDA innovations in the U.S. and to examine the role that CBOs play in these innovations. First, this paper explores the theory behind CBO engagement in asset-building and the roles CBOs typically play at the local level. Second, …
Seed Account Monitoring Research, Lisa Reyes Mason, Yunju Nam, Margaret Clancy, Vernon Loke, Youngmi Kim
Seed Account Monitoring Research, Lisa Reyes Mason, Yunju Nam, Margaret Clancy, Vernon Loke, Youngmi Kim
Center for Social Development Research
SEED Account Monitoring Research
Seed Deposit, Match Cap, And Net Savings Patterns: An Assessment Of Institutional Incentives In The I Can Save Program, Baorong Guo, Margaret S. Sherraden, Lissa Johnson
Seed Deposit, Match Cap, And Net Savings Patterns: An Assessment Of Institutional Incentives In The I Can Save Program, Baorong Guo, Margaret S. Sherraden, Lissa Johnson
Center for Social Development Research
Incentive structures are key to the success of asset-building programs. a review of the existing literature reveals a lack of knowledge regarding the time dimension of incentive structures embedded in the asset-building programs. It is not clear how saving performance may change even when institutional settings stay the same over time. Using cash flow data from I Can Save, a small-scale Child Development Account demonstration project, this study closely examines how two institutional components, seed deposit and match cap, affect net savings over the four-year observation period. Results from the descriptive and multivariate analyses show that saving performance is a …
Seed Account Monitoring Research: Participants, Savings, And Accumulation, Lisa Reyes Mason, Yunju Reyes Mason, Margaret Clancy, Vernon Loke, Youngmi Kim
Seed Account Monitoring Research: Participants, Savings, And Accumulation, Lisa Reyes Mason, Yunju Reyes Mason, Margaret Clancy, Vernon Loke, Youngmi Kim
Center for Social Development Research
SEED Account Monitoring Research: Participants, Savings, and Accumulation
Asset-Based Policy In Hong Kong: Child Development Fund, Michael Sherraden, Li Zou
Asset-Based Policy In Hong Kong: Child Development Fund, Michael Sherraden, Li Zou
Center for Social Development Research
The government of Hong Kong officially launched the HK$300 million Child Development Fund (CDF) in November 2008. In the words of Hong Kong’s Secretary for Labor and Welfare, Mr. Matthew Cheung Kin-chung, the CDF’s purpose was to “capitalize on the strengths of various sectors in the community to help our disadvantaged children.” The Hong Kong government drew upon the asset-building research and experience of the Center for Social Development (CSD) at Washington University in St. Louis. In November 2006, Michael Sherraden of CSD delivered a keynote address at the Child Development Forum organized by the Hong Kong Government’s Commission on …
A New Approach To Promote Economic Independence Among At-Risk Children: Child Development Accounts (Cdas) In Korea, Yunju Nam, Chang-Keun Han
A New Approach To Promote Economic Independence Among At-Risk Children: Child Development Accounts (Cdas) In Korea, Yunju Nam, Chang-Keun Han
Center for Social Development Research
This case study investigates the adoption and implementation of Child Development Accounts (CDAs) in South Korea, using information collected from in-depth interviews and existing documents. The design of the program, an asset-building program for children in the child welfare system, reflects unique needs and conditions of the target population and promotes strong collaboration among governmental and private entities. Issue framing emerges as an important strategy for the CDA policy’s adoption. Institutional and organizational factors, such as sponsorship and well-developed collaboration among multiple partners, may explain the successful implementation of the program.
The History And Status Of Children's Allowances: Policy Background For Children's Savings Accounts, Curley Jami, Michael Sherraden
The History And Status Of Children's Allowances: Policy Background For Children's Savings Accounts, Curley Jami, Michael Sherraden
Center for Social Development Research
The history and status of children's allowances: Policy background for Children's Savings Accounts
Building Assets From Birth: A Global Comparison Of Child Development Account Policies, Vernon Loke, Michael Sherraden
Building Assets From Birth: A Global Comparison Of Child Development Account Policies, Vernon Loke, Michael Sherraden
Center for Social Development Research
Asset building is a growing theme in public policy, and building assets from birth in the form of Child Development Accounts is now occurring in several countries. This paper provides an overview of the Child Development Account policies in Singapore, Canada, the United Kingdom, and Korea, and the proposed policy in the United States. The key elements of inclusiveness, progressivity, coherence and integration, and development are explicated and discussed.
Seed For Oklahoma Kids: Demonstrating Child Development Accounts For All Newborns, Michael Sherraden, Margaret M. Clancy
Seed For Oklahoma Kids: Demonstrating Child Development Accounts For All Newborns, Michael Sherraden, Margaret M. Clancy
Center for Social Development Research
SEED for Oklahoma Kids: Demonstrating Child Development Accounts for All Newborns
Seed Account Monitoring Research: Participants And Savings Outcomes At June 30, 2007, Lisa Reyes Mason, Margaret Clancy, Vernon Loke, Youngmi Kim, Yunju Nam, Soda Lo
Seed Account Monitoring Research: Participants And Savings Outcomes At June 30, 2007, Lisa Reyes Mason, Margaret Clancy, Vernon Loke, Youngmi Kim, Yunju Nam, Soda Lo
Center for Social Development Research
SEED Account Monitoring Research: Participants and Savings Outcomes at June 30, 2007
Building Children's Assets In Singapore: The Post-Secondary Education Account Policy, Vernon Loke, Michael Sherraden
Building Children's Assets In Singapore: The Post-Secondary Education Account Policy, Vernon Loke, Michael Sherraden
Center for Social Development Research
Building Children's Assets in Singapore: The Post-Secondary Education Account Policy
Global Savings, Assets And Financial Inclusion: Lessons, Challenges, And Directions, Jamie M. Zimmerman, Ray Boshara, Michael Sherraden, Li Zou, Kate Mckee, Leslie Meek-Wohl, Amy Feldman
Global Savings, Assets And Financial Inclusion: Lessons, Challenges, And Directions, Jamie M. Zimmerman, Ray Boshara, Michael Sherraden, Li Zou, Kate Mckee, Leslie Meek-Wohl, Amy Feldman
Center for Social Development Research
Global Savings, Assets and Financial Inclusion: Lessons, Challenges, and Directions
Seed For Oklahoma Kids: Summary Of Project, Research, And Policy Implications, Michael Sherraden, Margaret M. Clancy
Seed For Oklahoma Kids: Summary Of Project, Research, And Policy Implications, Michael Sherraden, Margaret M. Clancy
Center for Social Development Research
SEED for Oklahoma Kids: Summary of Project, Research, and Policy Implications
Reforming 529 College Savings Plans To Better Reach Low-Income Families, Margaret Clancy, Leslie Parrish
Reforming 529 College Savings Plans To Better Reach Low-Income Families, Margaret Clancy, Leslie Parrish
Center for Social Development Research
Reforming 529 College Savings Plans to Better Reach Low-Income Families
Do Assets Affect Well-Being? Perceptions Of Youth In A Matched Savings Program, Edward Scanlon, Deborah Adams
Do Assets Affect Well-Being? Perceptions Of Youth In A Matched Savings Program, Edward Scanlon, Deborah Adams
Center for Social Development Research
Do Assets Affect Well-Being? Perceptions of Youth in a Matched Savings Program
Building Assets From Birth: A Comparison Of The Policies And Proposals On Children Savings Accounts In Singapore, The United Kingdom, Canada, Korea, And The United States, Vernon Loke, Michael Sherraden
Building Assets From Birth: A Comparison Of The Policies And Proposals On Children Savings Accounts In Singapore, The United Kingdom, Canada, Korea, And The United States, Vernon Loke, Michael Sherraden
Center for Social Development Research
Holding assets is increasingly acknowledged as yielding positive effects and enhancing opportunities. In Assets and the Poor, Sherraden proposed that Individual Development Accounts (IDAs) should be opened for every person from birth in order to provide them with the lifetime potential to accumulate assets and to experience the effects of assets from a young age. a few countries have recently implemented or are proposing policies that build assets for every child starting from birth. Among these countries are Singapore, the United Kingdom, Canada, Korea, and the United States. The purposes and strategies adopted by each country are distinctive. This paper …
The I Can Save Program: School-Based Children's Saving Accounts For College, Margaret Sherraden, Lissa Johnson, William Elliott, Shirley Porterfield, William Rainford
The I Can Save Program: School-Based Children's Saving Accounts For College, Margaret Sherraden, Lissa Johnson, William Elliott, Shirley Porterfield, William Rainford
Center for Social Development Research
This paper examines an innovative college savings program for public elementary school children. The project is based on the proposition that children will gain financial knowledge and be more likely to view college as an attainable goal because they are accumulating savings to help pay for higher education. As the latest in a long history of school-based savings programs, this program pioneers the idea of matched savings in which children and family savings in the students’ accounts are matched one to one up to a maximum of $3,500. Findings suggest that the principal, teachers, children, and their families are enthusiastic …
Barriers To Asset Accumulation For Families In The Seed Pre-School Demonstration And Impact Assessment, Sondra G. Beverly, Jared Barton
Barriers To Asset Accumulation For Families In The Seed Pre-School Demonstration And Impact Assessment, Sondra G. Beverly, Jared Barton
Center for Social Development Research
Barriers to Asset Accumulation for Families in the SEED Pre-School Demonstration and Impact Assessment
How Young People Save Money: Findings From Interviews With Seed Participants, Edward Scanlon, Jennifer Wheeler Brooks, Deborah Adams
How Young People Save Money: Findings From Interviews With Seed Participants, Edward Scanlon, Jennifer Wheeler Brooks, Deborah Adams
Center for Social Development Research
How Young People Save Money: Findings From Interviews With SEED Participants
Account Monitoring Report At June 30, 2005, Richard Larock, Margaret Clancy
Account Monitoring Report At June 30, 2005, Richard Larock, Margaret Clancy
Center for Social Development Research
Account Monitoring Report at June 30, 2005
Section 529 Savings Plans, Access To Post-Secondary Education, And Universal Asset Building, Margaret Clancy, Reid Cramer, Leslie Parrish
Section 529 Savings Plans, Access To Post-Secondary Education, And Universal Asset Building, Margaret Clancy, Reid Cramer, Leslie Parrish
Center for Social Development Research
Section 529 Savings Plans, Access to Post-Secondary Education, and Universal Asset Building
The Universal Model In Seed, Michael Sherraden, Margaret M. Clancy
The Universal Model In Seed, Michael Sherraden, Margaret M. Clancy
Center for Social Development Research
The Universal Model in SEED
Participants In Seed: A Report From Account Monitoring Research, Vernon Loke, Margaret Clancy
Participants In Seed: A Report From Account Monitoring Research, Vernon Loke, Margaret Clancy
Center for Social Development Research
Participants in SEED: A Report From Account Monitoring Research
Increasing Life Chances For Orphaned Children In Africa: Testing An Asset-Based Development Strategy, Fred Ssewamala, Jami Curley
Increasing Life Chances For Orphaned Children In Africa: Testing An Asset-Based Development Strategy, Fred Ssewamala, Jami Curley
Center for Social Development Research
Increasing Life Chances for Orphaned Children in Africa: Testing an Asset-Based Development Strategy
In-Depth Interviews With Seed Youth: Profiles Of Participants In A Pilot Study, Edward Scanlon, Deborah Adams
In-Depth Interviews With Seed Youth: Profiles Of Participants In A Pilot Study, Edward Scanlon, Deborah Adams
Center for Social Development Research
In-Depth Interviews With SEED Youth: Profiles of Participants in a Pilot Study
Seed Universal Policy Model And Research Request For Proposal, Michael Sherraden, Margaret M. Clancy
Seed Universal Policy Model And Research Request For Proposal, Michael Sherraden, Margaret M. Clancy
Center for Social Development Research
SEED Universal Policy Model and Research Request for Proposal
College Savings Plans: A Platform For Inclusive Saving Policy?, Margaret M. Clancy, Peter Orszag, Michael Sherraden
College Savings Plans: A Platform For Inclusive Saving Policy?, Margaret M. Clancy, Peter Orszag, Michael Sherraden
Center for Social Development Research
College Savings Plans: A Platform for Inclusive Saving Policy?