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2013

Savings

Articles 1 - 13 of 13

Full-Text Articles in Social Work

Child Development Accounts And College Success: Accounts, Assets, Expectations, And Achievements, Sondra G. Beverly, William Elliott, Michael Sherraden Nov 2013

Child Development Accounts And College Success: Accounts, Assets, Expectations, And Achievements, Sondra G. Beverly, William Elliott, Michael Sherraden

Center for Social Development Research

Child Development Accounts (CDAs) can contribute to financial preparation for college and the development of a college-bound identity in multiple ways and so increase the likelihood of college success. The pathways from CDAs to college success proposed in this paper are grounded in theory and evidence, but more research on the impact of CDAs is needed.


Seed For Oklahoma Kids: Experimental Test Of A Policy Innovation In A Full Population, Lisa Reyes Mason, Yunju Nam, Margaret Clancy, Michael Sherraden Oct 2013

Seed For Oklahoma Kids: Experimental Test Of A Policy Innovation In A Full Population, Lisa Reyes Mason, Yunju Nam, Margaret Clancy, Michael Sherraden

Center for Social Development Research

The Center for Social Development at Washington University in St. Louis has implemented an ambitious policy demonstration: SEED for Oklahoma Kids (SEED OK). This initiative uses multiple research methods, including a scientific experiment in a full population, to test a policy innovation. The innovation is providing a Child Development Account (CDA) to all children at birth. In SEED OK, randomly selected newborn children in Oklahoma received a college savings account “seeded” with a $1,000 initial deposit, plus additional components of the SEED OK intervention. This case study describes the multiyear process of designing and implementing SEED OK and sheds light …


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


How Do Student And School Characteristics Influence Youth Academic Performance In Ghana? A Hierarchical Linear Modeling Of Baseline Data From The Youthsave Ghana Experiment, Gina A. N. Chowa, Rainier D. Masa, Yalitza Ramos, David Ansong Sep 2013

How Do Student And School Characteristics Influence Youth Academic Performance In Ghana? A Hierarchical Linear Modeling Of Baseline Data From The Youthsave Ghana Experiment, Gina A. N. Chowa, Rainier D. Masa, Yalitza Ramos, David Ansong

Center for Social Development Research

Student and school characteristics are associated with academic performance of high school students. However, few attempts have been made to examine the simultaneous influence of student and school factors on academic performance of youth in sub-Saharan Africa. Using hierarchical linear modeling, we examine student- and school- level predictors of academic performance of Ghanaian junior high school students. As other researchers have found, we note that age and gender are significant predictors of academic performance. Student traits, including academic self-efficacy and commitment to school, are positively associated with math and English scores. Class size and presence of a toilet facility are …


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 …


Account Use And Demand For Tax-Refund Savings Vehicles: Evidence From The Refund To Savings Experiment, Michal Grinstein-Weiss, Jenna Tucker, Clinton Key, Krista Holub, Dan Ariely May 2013

Account Use And Demand For Tax-Refund Savings Vehicles: Evidence From The Refund To Savings Experiment, Michal Grinstein-Weiss, Jenna Tucker, Clinton Key, Krista Holub, Dan Ariely

Center for Social Development Research

Account Use and Demand for Tax-Refund Savings Vehicles: Evidence From the Refund to Savings Experiment


Saving Behavior In Response To Motivational Prompts: Evidence From The Refund To Savings Experiment, Clinton Key, Michal Grinstein-Weiss, Jenna Tucker, Krista Holub, Dan Ariely May 2013

Saving Behavior In Response To Motivational Prompts: Evidence From The Refund To Savings Experiment, Clinton Key, Michal Grinstein-Weiss, Jenna Tucker, Krista Holub, Dan Ariely

Center for Social Development Research

Saving Behavior in Response to Motivational Prompts: Evidence From the Refund to Savings Experiment


Refund To Savings (R2s): Insight From The Field, 2012, Krista Holub, Michal Grinstein-Weiss, Clinton Key, Dan Ariely May 2013

Refund To Savings (R2s): Insight From The Field, 2012, Krista Holub, Michal Grinstein-Weiss, Clinton Key, Dan Ariely

Center for Social Development Research

Refund to Savings (R2S): Insight From the Field, 2012


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