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Full-Text Articles in Social Work
The Seed For Oklahoma Kids Experiment: Initial Account Opening And Savings, Robert Zager, Youngmi Kim, Yunju Nam, Margaret M. Clancy, Michael Sherraden
The Seed For Oklahoma Kids Experiment: Initial Account Opening And Savings, Robert Zager, Youngmi Kim, Yunju Nam, Margaret M. Clancy, Michael Sherraden
Center for Social Development Research
The SEED for Oklahoma Kids Experiment: Initial Account Opening and Savings
From Helena To Harlem: Experiences Of Lower-Income Rural And Urban Parents In Childrens Savings Account Programs, Edward Scalon, Leann Wittman
From Helena To Harlem: Experiences Of Lower-Income Rural And Urban Parents In Childrens Savings Account Programs, Edward Scalon, Leann Wittman
Center for Social Development Research
This report focuses on a qualitative study of parents and other parents who were involved in the SEED program at the Harlem Children’s Zone in New York City and the Southern Good Faith Fund in Helena-West Helena, Arkansas. In-depth interviews with the caregivers of child participants were designed to help provide a richer understanding of perceived facilitators and obstacles to saving, perceived effects of saving, and participants’ experiences of various program features. This report focus on three of our primary research concerns: perceived saving facilitators, perceived saving barriers, and perceived impacts of SEED participation.
Do Parental Assets Matter For Children's Educational Attainment?: Evidence From Mediation Tests, Youngmi Kim, Michael Sherraden
Do Parental Assets Matter For Children's Educational Attainment?: Evidence From Mediation Tests, Youngmi Kim, Michael Sherraden
Center for Social Development Research
This study investigates (1) the effects of parental assets on children’s educational attainment from high school completion to college degree attainment, and (2) mediating roles played by parental involvement, child’s educational expectations, and child’s self-esteem. The study sample (N=632) is drawn from the Child and Young Adult data supplement to the National Longitudinal Study of Youth 1979. Results indicate that parental assets are associated with children’s later educational attainment. Financial assets and home-ownership are significantly associated with high school completion and college attendance. In addition, family income becomes non-significant when specific measures of assets and liabilities are taken into account. …
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
College Savings Plan Accounts At Birth: Maine's Statewide Program, Margaret M. Clancy, Terry Lassar
College Savings Plan Accounts At Birth: Maine's Statewide Program, Margaret M. Clancy, Terry Lassar
Center for Social Development Research
The Harold Alfond College Challenge offers $500 to every child in the state enrolled in Maine’s NextGen college savings plan within 1 year from birth. As the first U.S. example of a statewide Child Development Account, the Alfond Challenge is a laboratory to study and learn from Maine’s experience. This CSD policy brief provides an overview of the Alfond Challenge, examines administrative and enrollment challenges, and offers recommendations and federal and state policy directions.
Streamlined Enrollment And Default Investment: Innovations In Alaska's College Savings Plan, Margaret M. Clancy, Terry Lassar, Rebekah Miller
Streamlined Enrollment And Default Investment: Innovations In Alaska's College Savings Plan, Margaret M. Clancy, Terry Lassar, Rebekah Miller
Center for Social Development Research
As college savings plans have gained in popularity and matured over the years, states have developed a number of innovations to facilitate access to and participation in 529s. This paper examines innovations in streamlined enrollment, pre-selected investment, and default investment in Alaska’s college savings plan. These 529 innovations—intended to facilitate greater participation, especially amongst low- and middle-income families—could play a more important role in other states to encourage savings for postsecondary education.
Overview Of Child Development Accounts In Developing Countries, Jeff Meyer, Rainier D. Masa, Jamie M. Zimmerman
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 …
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.
Tribal Innovations In Children's Accounts, Miriam Jorgensen, Peter Morris
Tribal Innovations In Children's Accounts, Miriam Jorgensen, Peter Morris
Center for Social Development Research
An important frontier in savings policy and research is the effectiveness of accounts at birth. This paper presents ideas and initial findings from the experience of American Indian nations—America’s first asset-builders—with such policies. It describes the motivations for creating “minors’ accounts,” which are offered by approximately 70 tribes. These tribes are the only jurisdictions in the nation to offer universal, unrestricted accounts for children. Increasingly, they also are using conditions and incentives to promote their policy goals. Their experiences and ideas offer important insights for mainstream policy makers and program managers (in the US and elsewhere) about how to design …
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
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
Raising Parent Expectations: Can Wealth And Parent College Accounts Help?, William Elliott Iii, Kristen Wagner
Raising Parent Expectations: Can Wealth And Parent College Accounts Help?, William Elliott Iii, Kristen Wagner
Center for Social Development Research
For many children, especially minority and low-income children, attending college is a genuinely desired but elusive goal. Research on aspirations and expectations provides a way to understand the gap between what children desire and what they actually expect to happen. This study examines the potential role of children’s college accounts (CCAs) as a way to reduce the gap between aspirations and expectations among at-risk children. I find that only 39 percent of children without savings for college expect to attend college; there is an aspirations/expectations gap of 41 percentage points among children with CCAs. Moreover, children with a CCA are …
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.
State 529 Matching Grant Program Summary, Margaret M. Clancy, Lisa Reyes Mason, Soda Lo
State 529 Matching Grant Program Summary, Margaret M. Clancy, Lisa Reyes Mason, Soda Lo
Center for Social Development Research
State 529 Matching Grant Program Summary
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
Seed Participant Characteristics And Financial Accumulation, Lisa Reyes Mason, Vernon Loke, Margaret Clancy, Yunju Nam, Youngmi Kim, Soda Lo
Seed Participant Characteristics And Financial Accumulation, Lisa Reyes Mason, Vernon Loke, Margaret Clancy, Yunju Nam, Youngmi Kim, Soda Lo
Center for Social Development Research
SEED Participant Characteristics and Financial Accumulation
The Achievement Gap From A Capabilities And Asset Perspective, William Elliott Iii, Margaret Sherrard Sherraden
The Achievement Gap From A Capabilities And Asset Perspective, William Elliott Iii, Margaret Sherrard Sherraden
Center for Social Development Research
Current explanations for the achievement gap do not fully explain why high-achieving poor and minority children perceive of college as being out of reach. This paper reviews perspectives on the achievement gap and proposes a model that incorporates a capabilities and assets approach. The uneven playing field created by unequal distribution of assets sustains educational advantage and high expectations for college among children from families with assets, while dampening expectations for college among poor and minority children. As a possible avenue to closing the gap, we suggest that increasing poor and minority children’s capability for financing college may increase educational …
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
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 December 31, 2005, Lisa Reyes Mason, Vernon Loke, Margaret Clancy
Account Monitoring Report At December 31, 2005, Lisa Reyes Mason, Vernon Loke, Margaret Clancy
Center for Social Development Research
Account Monitoring Report at December 31, 2005
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 …
Seed Account Monitoring Research At June 30, 2006, Lisa Reyes Mason, Vernon Loke, Margaret Clancy
Seed Account Monitoring Research At June 30, 2006, Lisa Reyes Mason, Vernon Loke, Margaret Clancy
Center for Social Development Research
SEED Account Monitoring Research at June 30, 2006