Social Work Commons^™

The Disproportionate Impacts Of Certain Factors That Differentiate The Amount Of Mental Health Referrals Of School A Compared To School B, Jesus Barrientos

Electronic Theses, Projects, and Dissertations

This study explores the relationship between a variety of factors the school of attendance for two schools in the Inland Empire. This research project sought to assess if there are differing rates of exposure to parental substance use, geographical location, diagnosis of anxiety, diagnosis of depression, and exposure to traumatic events based on the high school of attendance. Secondary data was acquired from a school district in the Inland Empire. Fifty assessments from school A and fifty from school B were used; a total of 100 adolescent assessments were used. The adolescent assessment explores the location of living, questions regarding …

Targeted Deposits In Pennsylvania’S Keystone Scholars Child Development Account Program, Anne Dececco, Julie Peachey, Margaret M. Clancy

Center for Social Development Research

In 2018, Pennsylvania became the first state to legislate a statewide, automatic CDA for all children at birth. In 2021, Pennsylvania achieved another first: an automatic targeted deposit within the Keystone Scholars program to build wealth for financially vulnerable children.

This brief examines two new targeted policy initiatives being piloted for Pennsylvania mothers who participate in WIC, the Special Supplemental Nutrition Program for Women, Infants, and Children. The Bright Future Booster and Milestone pilots represent important steps in expanding the Keystone Scholars program and serving as models for other states. Pennsylvania Treasury and the PA 529 make this CDA policy …

Responses To And Repercussions From Income Volatility In Low- And Moderate-Income Households: Results From A National Survey, Stephen P. Roll, David S. Mitchell, Krista Holub, Sam Bufe, Michal Grinstein-Weiss

Center for Social Development Research

This is the second in a series of briefs that the Center for Social Development has produced in partnership with the Aspen Institute’s Expanding Prosperity Impact Collaborative (EPIC) and the Intuit Tax and Financial Center. Thefirst brief highlighted new data on the prevalence of income and expense volatility in low- and moderate-income households. This second brief examines income volatility’s effects on Americans’ financial lives, showing that it is associated with dramatic increases in the likelihood of experiencing several hardships. The findings have broad implications for future research and policy.

The Experience Of Volatility In Low- And Moderate-Income Households: Results From A National Survey, Stephen P. Roll, David S. Mitchell, Sam Bufe, Gracie Lynne, Michal Grinstein-Weiss

Center for Social Development Research

This is the first in a series of briefs that the Center for Social Development has produced in partnership with the Aspen Institute’s Expanding Prosperity Impact Collaborative (EPIC) and the Intuit Tax and Financial Center. It highlights new data on the prevalence of income and expense volatility in low- and moderate-income households.

Employee Financial Wellness Programs: A Review Of The Literature And Directions For Future Research, Geraldine Hannon, Meredith Covington, Mat Despard, Ellen Frank-Miller, Michal Grinstein-Weiss

Center for Social Development Research

This is a literature review of studies that have examined the implementation of financial wellness programs in the workplace. The review suggests that employee financial wellness programs (EFWPs) have drawn on both existing and new methods to improve the financial security of employees. Although a number of studies have been conducted on employer-based financial education and retirement planning, evidence concerning the efficacy of EFWPs is limited. Moreover, the methodological shortcomings of studies in the workplace financial wellness field have limited evidence concerning returns on investment and impeded efforts to make best-practice recommendations. Thus, researchers should consider strengthening the evidence base …

Financial Outcomes In Seed For Oklahoma Kids, Margaret M. Clancy, Sondra G. Beverly, Michael Sherraden

Center for Social Development Research

The SEED for Oklahoma Kids (SEED OK) experiment is a large-scale policy test of universal, automatic, and progressive Child Development Accounts (CDAs). This fact sheet highlights selected SEED OK financial outcomes measured between 2007 and 2014. Because of SEED OK’s automatic account opening and initial deposits, the CDA has especially large impacts on OK 529 savings among disadvantaged children. Advantaged children are more likely than disadvantaged children to have individual savings in OK 529 accounts, and average individual savings are higher for advantaged children. But, the CDA increases the likelihood that disadvantaged children have OK 529 accounts opened by their …

Racial Disparities In Student Debt: Evidence From The Refund To Savings Initiative, Samuel H. Taylor, Dana C. Perantie, Nava Kantor, Michal Grinstein-Weiss, Shenyang Guo, Ramesh Raghavan

Center for Social Development Research

This brief provides evidence that low- and moderate-income (LMI) Black households accumulate significantly more debt in pursuit of a higher education than do LMI White students, even after using rigorous methods to account for race- and debt-related confounders. Using data from the Refund to Savings experiment, the authors find that LMI Black households accrued $7,721 more in student loan debt than their White counterparts did. This finding is crucial in light of the financial vulnerability of this population both before and after college. That vulnerability potentially contributes to diminished returns and exacerbates racial disparities in educational outcomes and wealth accumulation. …

The Burden Of Student Debt: Findings From A Survey Of Low- And Moderate-Income Households, Mathieu R. Despard, Samuel H. Taylor, Dana C. Perantie, Michal Grinstein-Weiss

Center for Social Development Research

Completing a college degree continues to offer a pathway for enjoying greater earnings. Yet tuition has risen sharply and state higher-education funding has declined in recent years, shifting the burden of paying for college to students and their families. As a result, most students (70%) depend on loans to help pay for college and student debt is now greater than credit card debt in the United States. Student debt is increasingly difficult to manage, as debt-to-income ratios, loan default rates, and delinquency rates are on the rise. This brief utilizes data from the 2014 Refund to Savings study to examine …

Refund To Savings 2013: Comprehensive Report On A Large-Scale Tax-Time Saving Program, Michal Grinstein-Weiss, Dana C. Perantie, Blair D. Russell, Krista Comer, Samuel H. Taylor, Lingzi Luo, Clinton Key, Dan Ariely

Center for Social Development Research

Refund to Savings 2013: Comprehensive Report on a Large-Scale Tax-Time Saving Program

Lack Of Emergency Savings Puts American Households At Risk, Michal Grinstein-Weiss, Blair Russell, Brad Tucker, Krista Comer

Center for Social Development Research

Lack of Emergency Savings Puts American Households at Risk

Factors That Assist Low-Income Students Of Color In Pursuing Higher Education, Samantha J. Kaffenbarger

Master of Social Work Clinical Research Papers

Currently, there is an achievement gap in education between students of color and their white counterparts. While the larger picture of inequality is readily available, it does not explain why students of color graduate at lower rates. This purpose of the qualitative research study sought to understand the experiences and perceptions of low-income youth who are of color, on their transition into college. Semi-structured individual interviews were conducted with four youth of color who were currently enrolled in college and identified coming from a low-income background. The five major themes that emerged from the interviews were: 1) the youth’s motivation …

Refund To Savings: 2013 Evidence Of Tax-Time Saving In A National Randomized Control Trial, Michal Grinstein-Weiss, Krista Comer, Blair Russell, Clinton Key, Dana C. Perantie, Dan Ariely

Center for Social Development Research

Refund to Savings: 2013 Evidence of Tax-Time Saving in a National Randomized Control Trial

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

Effects Of An Individual Development Account Program On Retirement Saving: Follow-Up Evidence From A Randomized Experiment, Michal Grinstein-Weiss, Michael Sherraden, William Gale, William M. Rohe, Mark Schreiner, Clinton Key

Center for Social Development Research

Using data from a randomized experiment that ran from 1998 to 2003 in Tulsa, Oklahoma, we examine the 10-year follow-up effects on retirement saving of an Individual Development Account (IDA) program. The IDA program included financial education, encouragement to save, and matching funds for several qualified uses of the savings, including contributions to retirement accounts. The results indicate that, as of 2009, 6 years after the program ended, the IDA program had no impact on the propensity to hold a retirement account, the account balance, or the sufficiency of retirement balances to meet retirement expenses.

Seoul Hope Plus Savings Accounts: Asset-Building Program For Low-Income Households In Seoul, Youngmi Kim, Soonung Lee, Michael Sherraden

Center for Social Development Research

Seoul Hope Plus Savings Accounts: Asset-Building Program for Low-Income Households in Seoul

Are Child Development Accounts Inclusive? Early Evidence From A Statewide Experiment, Sondra G. Beverly, Youngmi Kim, Michael Sherraden, Yunju Nam, Margaret Clancy

Center for Social Development Research

A key objective of Child Development Accounts (CDAs) is to increase college completion rates among disadvantaged youth by helping families accumulate assets for college and by encouraging youth to see themselves as college bound. While the major asset-building programs in the United States largely benefit socioeconomically advantaged individuals, CDAs explicitly aim to facilitate account holding and asset accumulation by disadvantaged families. But do CDAs meet the goal of being inclusive? This research uses data from a large CDA experiment with probability sampling and random assignment to examine early CDA savings outcomes. Findings indicate that the CDA improves outcomes for several …

Community Based Efforts That Promote Healthier Diets For Low-Income Minnesotans, Stephanie Larson

Master of Social Work Clinical Research Papers

The purpose of this study was to examine the challenges and successes community-based Minnesotan Programs have had in promoting low-income adults to eat healthier to avoid obesity and complications from obesity. This research highlighted factors associated with community based programs from the perspective of the professionals working with these programs. This study outlined the Centers for Disease Control and Prevention (CDC) definition of healthy diet and weight along with the current measurement of Body Mass Index (BMI). The conceptual framework utilizing the concepts developed by National Geographic researcher Dan Buettner through his book The Blue Zones showing it is possible …

"Waiting For The White Man To Fix Things:" Rebuilding Black Poverty In New Orleans, Robert L. Hawkins, Katherine Maurer

The Journal of Sociology & Social Welfare

This paper revisits William Julius Wilson's thesis that class has surpassed race in significance of impact on African Americans. Our study uses qualitative data from a three-year ethnographic study of 40 largely low-income families in New Orleans following Hurricane Katrina. We also include a review of the recent U.S. Census study assessing New Orleans's current economic state. Participants in our study viewed race and class as major factors in four areas: (1) immediately following the devastation; (2) during relocation to other communities; (3) during the rebuilding process; and (4) historically and structurally throughout New Orleans. Our analysis concludes that racism …

Cash-Flow And Savings Practices Of Low-Income Households: Evidence From A Follow-Up Study Of Ida Participants, David W. Rothwell, Nahid Sultana

Center for Social Development Research

This study uses a survey of participants from an Individual Development Account (IDA) matched savings intervention to examine self-reported financial practices (cash flow and savings) five years after the intervention terminated. Latent class analysis produced three groups of financial practices - high, medium, and low functioning. Results showed that some low-income households are carefully managing their finances. Psychological sense of mastery was positively related to high functioning cash-flow and savings. The IDA intervention had no association with latent class membership. Antipoverty interventions should assess the financial practices of participants at the time of service enrollment. Further, social service providers should …

Food Stamps And Dependency: Disentangling The Short-Term And Long-Term Economic Effects Of Food Stamp Receipt And Low Income For Young Mothers, Thomas P. Vartanian, Linda Houser, Joseph Harkness

The Journal of Sociology & Social Welfare

The Food Stamp Program (FSP) remains one of the most widely used of all U.S. social "safety net" programs. While a substantial body of research has developed around the primary goals of the program- improving food access, nutrition, and health among lowincome families-less attention has been paid to the broader goals of hardship and poverty reduction. Using 38 years of data from the Panel Study of Income Dynamics, we examine several immediate and longer-term economic outcomes of early adult FSP participation for a sample of3,848 young mothers. While FSP participation is associated with some negative outcomes in the immediate future …

Seoul Hope Plus Savings Accounts: Asset-Building Program For Low-Income Households In Seoul, Mihyun Kim, Jisung Kwon, Sunwook Chung, Hyunmira Hong, Yunju Nam, Youngmi Kim, Eunlye Lee

Center for Social Development Research

Seoul Hope Plus Savings Accounts: Asset-Building Program for Low-Income Households in Seoul

Earned Income Tax Credit (Eitc) Utilization In Native Communities, Kristen Wagner, Amy Locklear Hertel

Center for Social Development Research

Earned Income Tax Credit (EITC) Utilization in Native Communities

Volunteer Income Tax Assistance (Vita) Sites In Native Communities, Kristen Wagner, Amy Locklear Hertel

Center for Social Development Research

Volunteer Income Tax Assistance (VITA) Sites in Native Communities

Assets As A Resource Variable In The Stress Management Of Low-Income Families, David Rothwell, Chang-Keun Han

Center for Social Development Research

The hard times resulting from the 2008 recession represent an opportunity to re-examine the theoretical framework for how families use economic resources to adjust and adapt to stress. Sherraden’s (1991) theory of assets and McCubbin and Patterson’s (1983) Family Adjustment and Adaptation Response (FAAR) model are used to demonstrate how assets relate to family stressors and demands among a sample of 839 low-income families. The negative relationship between assets and financial stressors and financial strain suggest that the expansion of social welfare policies promoting assets among low-income families may positively influence family relations. Future research on family relations would benefit …

Barriers To Utilization Of Prenatal Care For Low Income Women Living In Rhode Island: Impact Of The Client-Service Provider Relationship, Nicole Lescarbeau

Social Work Theses

Federal legislation was enacted in the 1980’s to expand Medicaid eligibility of prenatal care coverage. Despite this focus however, many women still continue to not utilize care early or adequately (Regenstein, Cummings, & Huang, 2005, p.1). This study examines how barriers to utilizing early and adequate prenatal care, such as a lack of transportation and/or childcare, affect women of low income living in Rhode Island. Specifically, the focus is on the clients’ perceptions of the client-prenatal service provider relationship. This study also examines the impact of utilization of early and adequate prenatal services, and of substance use, on birth outcomes …

Determinants Of Asset Building, Sondra G. Beverly, Michael Sherraden, Min Zhan, Trina R. Williams Shanks, Yunju Nam, Reid Cramer

Center for Social Development Research

Determinants of Asset Building

Assets, Poverty, And Public Policy: Challenges In Definition And Measurement, Yunju Nam, Jin Huang, Michael Sherraden

Center for Social Development Research

Assets, Poverty, and Public Policy: Challenges in Definition and Measurement

Do Institutions Really Matter For Saving Among Low-Income Households? A Comparative Approach, Chang-Keun Han, Michael Sherraden

Center for Social Development Research

This study aims to examine the extent to which competing theories explain saving of low-income households in Individual Development Accounts (IDAs). Competing theories include individual-oriented perspective, social stratification perspective, and institutional saving theory. This study uses American Dream Demonstration (ADD) data collected at the Tulsa IDA program. Compared with the individual perspective and the social stratification perspective, institutional features explain a significant part of the variance in saving outcomes measured by average monthly net deposit (AMND) and deposit frequency ratio (DFR). Findings suggest that an inclusive asset-based policy should be designed with institutional structures encouraging low-income households to save.

The Balance Sheets Of Low-Income Households: What We Know About Their Assets And Liabilities., Adam Carasso, Signe-Mary Mckernan

Center for Social Development Research

The Balance Sheets of Low-Income Households: What We Know About Their Assets and Liabilities.

The Effects Of Welfare And Ida Program Rules On The Asset Holding Of Low-Income Families, Signe-Mary Mckernan, Caroline Ratcliff, Yunju Nam

Center for Social Development Research

The Effects of Welfare and IDA Program Rules on the Asset Holding of Low-Income Families