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Full-Text Articles in Social Work
Welfare Recipiency And Savings Outcomes In Individual Development Accounts, Min Zhan, Michael Sherraden, Mark Schreiner
Welfare Recipiency And Savings Outcomes In Individual Development Accounts, Min Zhan, Michael Sherraden, Mark Schreiner
Center for Social Development Research
Both theoretical frameworks and empirical evidence show that asset-based, means-tested welfare programs have negative effects on savings behaviors of welfare recipients. In this study, we examine how welfare recipiency is associated with savings outcomes in Individual Development Accounts. The results suggest that when other factors are controlled, receipt of welfare either before or at enrollment of IDAs is not correlated with savings outcomes. Policy implications under current welfare reform are discussed.
Financial Education And Savings Outcomes In Individual Development Accounts, Margaret Clancy, Michal Grinstein-Weiss, Mark Schreiner
Financial Education And Savings Outcomes In Individual Development Accounts, Margaret Clancy, Michal Grinstein-Weiss, Mark Schreiner
Center for Social Development Research
This study is the first quantitative look at the effects of financial education on savings outcomes for the poor in Individual Development Accounts. The findings suggest that financial education has sizeable effects, and that courses need not be long to take advantage of them. Marketing and public-policy implications are noted.
Family Assets For Independence In Minnesota, Michal Grinstein-Weiss, Mark Schreiner, Margaret Clancy, Michael Sherraden
Family Assets For Independence In Minnesota, Michal Grinstein-Weiss, Mark Schreiner, Margaret Clancy, Michael Sherraden
Center for Social Development Research
Family Assets for Independence in Minnesota