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Articles 751 - 777 of 777
Full-Text Articles in Social Work
Homeownership And Youth Well-Being: An Empirical Test Of Asset-Based Welfare, Edward Scanlon, Deborah Page-Adams
Homeownership And Youth Well-Being: An Empirical Test Of Asset-Based Welfare, Edward Scanlon, Deborah Page-Adams
Center for Social Development Research
Homeownership and Youth Well-Being: An Empirical Test of Asset-Based Welfare
Saving And Asset-Accumulation Strategies Used By Low-Income Individuals, Amanda Moore Mcbride, Sondra Beverly, Michael Sherraden, Margaret Sherraden, Lissa Johnson, Mark Schreiner
Saving And Asset-Accumulation Strategies Used By Low-Income Individuals, Amanda Moore Mcbride, Sondra Beverly, Michael Sherraden, Margaret Sherraden, Lissa Johnson, Mark Schreiner
Center for Social Development Research
This paper presents quantitative and qualitative data regarding the saving and asset-accumulation strategies used by low-income participants in Individual Development Account programs(IDAs). the results of a cross-sectional survey with 298 IDA participants and case studies with 15 IDA participants—the first methods that assessed saving behavior among this population—demonstrate that low-income individuals use psychological and behavioral strategies to save, deposit, and maintain assets. the most frequentlyused strategies are behavioral saving strategiesfor increasing the efficiency of spending (e.g., shopping more carefully for food) and for reducing consumption (e.g., spending less on leisure). Qualitative results indicate that individuals also use goals and mental …
The Impacts Of Ida Programs On Family Savings And Asset-Holdings, Michael Stegman, Robert Faris, Oswaldo Urdapilleta Gonzales
The Impacts Of Ida Programs On Family Savings And Asset-Holdings, Michael Stegman, Robert Faris, Oswaldo Urdapilleta Gonzales
Center for Social Development Research
This paper was commissioned for Inclusion in Asset Building: Research and Policy Symposium, an event hosted in September 2000 by the Center for Social Development at Washington University in St. Louis. A version was subsequently developed for publication in Inclusion in the American Dream: Assets, Poverty, and Public Policy (Oxford University Press, 2005). This paper supplements research on the national Individual Development Account (IDA) pilot known as the Downpayment on the American Dream Demonstration (ADD). Its subject is the financial impact of ADD on the net savings and assets of program participants, and it examines what ADD participants would have …
Assets, Race, And Educational Choices, Tom Shapiro, Heather Beth Johnson
Assets, Race, And Educational Choices, Tom Shapiro, Heather Beth Johnson
Center for Social Development Research
Assets, Race, and Educational Choices
Going To Scale: Principles And Policy Options For An Inclusive Asset-Building Policy, Robert Friedman, Ray Boshara
Going To Scale: Principles And Policy Options For An Inclusive Asset-Building Policy, Robert Friedman, Ray Boshara
Center for Social Development Research
Going to Scale: Principles and Policy Options for an Inclusive Asset-Building Policy
Productive Engagement Of Older Adults: Effects On Well-Being, Nancy Morrow-Howell
Productive Engagement Of Older Adults: Effects On Well-Being, Nancy Morrow-Howell
Center for Social Development Research
Productive Engagement of Older Adults: Effects on Well-Being
Assets As A Measure Of Household Welfare In Developing Countries, David E. Sahn, David Stifel
Assets As A Measure Of Household Welfare In Developing Countries, David E. Sahn, David Stifel
Center for Social Development Research
This paper was commissioned for Inclusion in Asset Building: Research and Policy Symposium, an event hosted in September 2000 by the Center for Social Development at Washington University in St. Louis. The paper identifies and explores the use of an asset-based metric of welfare. The metric relies on assets data that are easy to collect and analyze. The authors demonstrate that the asset index functions well in identifying and profiling the poor, in targeting transfers, and even in estimating demand or production functions for outcomes that are useful for designing programs and policy.
Listening To African-American Students: An Exploratory Analysis Of Factors That Foster Academic Success, Julie Miller-Cribbs, Larry Davis, Stephanie Cronen, Sharon Johnson
Listening To African-American Students: An Exploratory Analysis Of Factors That Foster Academic Success, Julie Miller-Cribbs, Larry Davis, Stephanie Cronen, Sharon Johnson
Center for Social Development Research
This exploratory study assessed African-American freshman and sophomore students’ decisions to remain in school and their opinions regarding specific dropout prevention programs. Results indicated that students believed that school completion would prepare them for the future. the opinion of family members was consistently ranked as most important in supporting students' decisions to remain in school, and the primary barriers to completing school were related to family issues, academic problems and personal issues. Overall, students were most interested in intervention programs having to do with preparation for their futures—jobs and goals. The importance of tailoring education to meet the needs of …
Toward Progressive Pensions: A Summary Of The U.S. Pension System And Proposals For Reform, Peter Orszag, Robert Greenstein
Toward Progressive Pensions: A Summary Of The U.S. Pension System And Proposals For Reform, Peter Orszag, Robert Greenstein
Center for Social Development Research
Toward Progressive Pensions: A Summary of the U.S. Pension System and Proposals for Reform
Linking Tax Refunds And Low-Cost Bank Accounts, Sondra G. Beverly, Jennifer Tescher, David Marzahl
Linking Tax Refunds And Low-Cost Bank Accounts, Sondra G. Beverly, Jennifer Tescher, David Marzahl
Center for Social Development Research
This paper was commissioned for Inclusion in Asset Building: Research and Policy Symposium, an event hosted in September 2000 by the Center for Social Development at Washington University in St. Louis. A version was subsequently developed for publication in Inclusion in the American Dream: Assets, Poverty, and Public Policy (Oxford University Press, 2005). The papert presents findings from an evaluation of the Extra Credit Savings Program (ECSP). Piloted in Chicago by ShoreBank and the Center for Law and Human Services, the program was designed to connect unbanked households to mainstream financial services and to facilitate ongoing asset accumulation in low-income …
Use Of Financial Services And The Poor, Jeanne M. Hogarth, Jinkook Lee
Use Of Financial Services And The Poor, Jeanne M. Hogarth, Jinkook Lee
Center for Social Development Research
This paper was commissioned for Inclusion in Asset Building: Research and Policy Symposium, an event hosted in September 2000 by the Center for Social Development at Washington University in St. Louis. The paper presents results from an analysis using data from the 1998 Survey of Consumer Finances to explore several aspects of the financial relationships of low-income households. The analyses looked at an updated profile of low-income and poor households, their financial portfolios, their attachment to the mainstream financial sector, and their use of various types of financial institutions. The findings suggest ways to move low-income households into the financial …
How Are Families On Reservations Faring Under Welfare Reform? Working Paper 2, Shanta Pandey, Min Zhan, Shannon Collier-Tenison, Kathryn Hui
How Are Families On Reservations Faring Under Welfare Reform? Working Paper 2, Shanta Pandey, Min Zhan, Shannon Collier-Tenison, Kathryn Hui
Buder Center for American Indian Studies Research
This report is based on our first wave of interviews with 445 either former or current welfare families with children. The respondents were from three Indian reservations (Navajo, San Carlos and Salt River) within Arizona. This information was substantiated by several focus group interviews with welfare recipients and tribal social service providers. The results provide useful insights into understanding the characteristics of welfare recipients on reservations. The characteristics of the welfare caseload on reservations indicate that rapid decline in caseload at the national and regional level will not automatically result in similar caseload decline on many American Indian reservations. A …
Tribal/State Title Iv-E Intergovernmental Agreements, Facilitating Tribal Access To Federal Resources, Eddie Brown, Leslie Scheuler-Whitaker, Chey Clifford, Gordon Limb, Ric Munoz
Tribal/State Title Iv-E Intergovernmental Agreements, Facilitating Tribal Access To Federal Resources, Eddie Brown, Leslie Scheuler-Whitaker, Chey Clifford, Gordon Limb, Ric Munoz
Buder Center for American Indian Studies Research
Although Title IV-E of the Social Security Act is an important funding stream for foster care and adoption services in American Indian communities, limited research has been conducted on the facilitation of tribal access to federal IV-E resources. Historically, direct IV-E funding has not been available to tribal communities, therefore, tribes have worked with their respective states to develop agreements that allow them to access these important funds. The purpose of this study was to provide a comprehensive overview of current IV-E intergovernmental provisions in order to assist tribes and states in strengthening both new and existing IV-E agreements. The …
Downpayments On The American Dream Policy Demonstration, Michael Sherraden, Deborah Page-Adams, Lissa Johnson, Edward Scanlon, Jamie Curley, Min Zhan, Alfreda Bady, James Hinterlong
Downpayments On The American Dream Policy Demonstration, Michael Sherraden, Deborah Page-Adams, Lissa Johnson, Edward Scanlon, Jamie Curley, Min Zhan, Alfreda Bady, James Hinterlong
Center for Social Development Research
This report presents findings from the first annual evaluation of the American Dream Demonstration, a multiyear, nationwide test of Individual Development Accounts. Covering the period from the demonstration’s start-up through June 30, 1998, the report details insights from an implementation assessment and from preliminary analyses of monitoring data.
The Subsidy Dependence Index And Recent Attempts To Adjust It, Mark Schreiner, Jacob Yaron
The Subsidy Dependence Index And Recent Attempts To Adjust It, Mark Schreiner, Jacob Yaron
Center for Social Development Research
The Subsidy Dependence Index (SDI) is the most common way to measure the importance of public support for Development Finance Institutions (DFIs). We present the SDI and show its equivalence to a subsidy-adjusted measure of return on equity. We then review recent attempts to adjust the SDI. As a whole, the recent measures are either meaningless or answer unimportant questions. Their use does not lead to a better understanding of the social cost of a DFI.
Implementation Of The Temporary Assistance For Needy Families (Tanf) On American Indian Reservations: Early Evidence From Arizona, Shanta Pandey, Eddie F. Brown, Leslie Scheuler-Whitaker, Bethney Gundersen, Karin Eyrich, Lisa Villarreal
Implementation Of The Temporary Assistance For Needy Families (Tanf) On American Indian Reservations: Early Evidence From Arizona, Shanta Pandey, Eddie F. Brown, Leslie Scheuler-Whitaker, Bethney Gundersen, Karin Eyrich, Lisa Villarreal
Buder Center for American Indian Studies Research
This study is aimed at monitoring the impact of the 1996 federal welfare legislation on American Indian families with children on reservations within the state of Arizona over five years (1997-2002). Our goal is to inform the public policy debate on how to improve the social and economic opportunities for low-income families with children on reservations. This report is based on our first year (October 1, 1997-September 30,1998) of work, which focused on aspects of reform implementation and short-term and potential long-term outcomes. We analyzed secondary data from administrative sources relevant to the implementation of welfare legislation in Indian communities. …
Individual, Family And Neighborhood Influences On Teen Childbearing: A Life Options Approach, Leslie Scheuler-Whitaker, Shanta Pandey
Individual, Family And Neighborhood Influences On Teen Childbearing: A Life Options Approach, Leslie Scheuler-Whitaker, Shanta Pandey
Center for Social Development Research
This paper presents results from an examination of the effects of neighborhood and family characteristics—as they are related to an individual’s life options—on the teenage fertility of urban respondents. The study drew upon the life options perspective, a loosely defined theoretical framework which posits that opportunities for social and economic mobility impact an adolescent’s expectations for the future and behavior. The data come from the University of Chicago’s Urban Poverty and Family Life Survey of Chicago. Collected in 1987 under the supervision of William Julius Wilson, the data are derived from 2,490 personal and telephone interviews conducted with a multistage, …
Factors Influencing African American Youths' Decisions To Stay In School, Larry E. Davis, Sharon Johnson, Julie Miller-Cribbs, Stephen Cronen, Leslie Scheuler-Whitaker
Factors Influencing African American Youths' Decisions To Stay In School, Larry E. Davis, Sharon Johnson, Julie Miller-Cribbs, Stephen Cronen, Leslie Scheuler-Whitaker
Center for Social Development Research
Little attention has been given to the non-problematic development and positive life decisions of African American youth. This paper reports findings of 231 African American students. The goal of the study was to assess factors which contribute to their academic grade point averages and intentions to stay in school. The conceptual model employed in this study was the Theory of Planned Behavior (TPB) which contends that intentions to carryout a behavior is a function of Attitude towards the behavior, Social Normative support for undertaking the behavior, and the Perceived Control of being able to carry out the behavior. In addition …
The History And Status Of Children's Allowances: Policy Background For Children's Savings Accounts, Jami C. Curley, Michael Sherraden
The History And Status Of Children's Allowances: Policy Background For Children's Savings Accounts, Jami C. Curley, Michael Sherraden
Center for Social Development Research
Children’s allowances, a common feature of twentieth century welfare states, are cash grants to families with children. The concept of a government-provided monthly cash benefit to foster income security for all children has never had widespread political appeal. This report traces the history of children’s allowances in other nations to see what can be learned about child support policies.
Landholding And Household Development: What Do We Know?, Min Zhan, Michael Sherraden
Landholding And Household Development: What Do We Know?, Min Zhan, Michael Sherraden
Center for Social Development Research
This overview of research on effects of land ownership focuses on the economic, personal, and social effects of land ownership of small-scale farmers, often in developing nations, under the assumption that the household is the primary unit of production. A search for relevant studies from different fields of inquiry—economic development, rural sociology, family studies, anthropology, social work, medicine, and others—finds 39 empirical studies addressing the effects of land ownership. Sorting these studies into categories for discussion, we present the existing research on effects of land ownership on (1) level of consumption, (2) economic security, (3) investment, (4) women’s status, (5) …
Homeownership And Well-Being Among Blue-Collar Workers, Deborah Page-Adams, Nancy Vosler
Homeownership And Well-Being Among Blue-Collar Workers, Deborah Page-Adams, Nancy Vosler
Center for Social Development Research
The economic, social, and psychological vulnerability of blue-collar workers increases as the U.S. economy continues to shift from manufacturing to service and technology. This paper reports findings from an analysis of economic resources and well-being among automobile manufacturing workers. Following previous theoretical and empirical work suggesting positive homeownership effects for vulnerable populations, this analysis was designed to test relationships between homeownership and four measures of well-being while controlling for household income and education levels. Workers from two adjacent automobile manufacturing plants in a large midwestern metropolitan area were surveyed. Multivariate analysis of data from a subsample of 193 workers indicate …
Mortgage Lending: Is Gender A Factor?, Cynthia K. Sanders, Edwaard Scalon, Shirley R. Emerson
Mortgage Lending: Is Gender A Factor?, Cynthia K. Sanders, Edwaard Scalon, Shirley R. Emerson
Center for Social Development Research
In promoting well-being for women and female-headed households, social policy analysts are increasingly attending to wealth accumulation rather than focusing solely on income. Homeownership equity is a form of wealth that may be especially helpful for low-income women. This paper analyzes 1992 Home Mortgage Disclosure Act data for the city and county of St. Louis. Our primary hypothesis was that women, controlling for marital status, income, and race, would be more likely to be denied home loans. The findings from this data set contradict our hypothesis and suggest that men are slightly more likely than women to be denied mortgage …
Human Capital And Social Work, Sondra Beverly, Michael Sherraden
Human Capital And Social Work, Sondra Beverly, Michael Sherraden
Center for Social Development Research
This article is an update and continuation of Theodore Schultz’s seminal, but largely unheeded, 1959 article on human capital. Like Schultz, we suggest that building human capital should be a key development strategy for social workers. Empirical research demonstrates that human capital has important positive outcomes. However, opportunities for human capital development are not equally accessible to all. By facilitating human capital development among disadvantaged groups, social workers can help individuals obtain skills that will enable them to compete in post-industrial labor markets. This emphasis on investment and development is particularly relevant today since, in the current political climate, there …
Home Mortgage Lending In St. Louis City: An Analysis Of 1992 And 1994 Home Mortgage Disclosure Act Data, Edward Scanlon, Shirley Emerson
Home Mortgage Lending In St. Louis City: An Analysis Of 1992 And 1994 Home Mortgage Disclosure Act Data, Edward Scanlon, Shirley Emerson
Center for Social Development Research
This report examines home mortgage lending data in St. Louis City in 1992 and 1994. Our primary purpose is to determine how race, income level and neighborhood location relate to home mortgage loan application denial rates. Overall, it is demonstrated that race, income level and negative neighborhood conditions are predictive of loan denial in St. Louis City. The study begins with an overview of related literature. The second section describes our study, and provides information regarding the data set, our variables and research procedures. Part three is a report of our findings. The final section draws conclusions and suggests implications …
What We Know About Effects Of Asset Holding: Implications For Research On Asset-Based Anti-Poverty Initiatives, Deborah Page-Adams, Michael Sherraden
What We Know About Effects Of Asset Holding: Implications For Research On Asset-Based Anti-Poverty Initiatives, Deborah Page-Adams, Michael Sherraden
Center for Social Development Research
Asset accumulation programs have emerged at local and state levels to help poor people save for purposes such as education, homeowership, and microenterprise development. These anti-poverty programs are built in part on the suggestion that assets have a wide range of positive effects on well-being, and they frequently use a system of Individual Development Accounts (IDAs) to structure asset accumulation. In addition, federal legislation for an IDA demonstration has increasing support. The emergence of asset accumulation programs at local and state levels, along with growing bipartisan support for a national IDA demonstration, makes applied research both possible and necessary. Studies …
Education, Assets, And Intergenerational Well-Being: The Case Of Female Headed Families, Li-Chen Cheng, Deborah Page-Adams
Education, Assets, And Intergenerational Well-Being: The Case Of Female Headed Families, Li-Chen Cheng, Deborah Page-Adams
Center for Social Development Research
This paper reports findings from an analysis of economic well-being among female headed households. Previous theoretical and empirical work in this area suggests that poverty among female headed families is to some extent an intergenerational process, a vicious cycle. One common explanation for this pattern is that low socioeconomic status in a woman’s family of origin results in low educational attainment and, ultimately, in low earning capacity. However, an exclusive focus on education may overlook the long term dynamics of the household as an institution that can accumulate assets to enhance economic well-being across generations. Using data from the National …
Effects Of Assets On Attitudes And Behaviors: Advance Test Of A Social Policy Proposal, Gautam N. Yadama, Michael Sherraden
Effects Of Assets On Attitudes And Behaviors: Advance Test Of A Social Policy Proposal, Gautam N. Yadama, Michael Sherraden
Center for Social Development Research
Raising asset limits and creating individual development accounts have been proposed in welfare reform. In part the rationale for these proposals is that assets have positive effects on attitudes and behaviors, including long-term planning, greater work effort, and improved social connectedness. The Panel Study of Income Dynamics (PSID), between 1968 and 1972, included a wide range of attitude and behavioral measures. In this study, data from the PSID are analyzed to test for the following: a) the effect of assets on attitudes and behaviors; b) the effect of attitudes and behaviors on assets; c) the effect of income on attitudes …