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Full-Text Articles in Social Work
Financial Capability And Asset Building In Social And Economic Development: Advancing The Sustainable Development Goals, David Ansong, Moses Okumu, Jin Huang`, Margaret S. Sherraden, Lissa Johnson, Li Zou
Financial Capability And Asset Building In Social And Economic Development: Advancing The Sustainable Development Goals, David Ansong, Moses Okumu, Jin Huang`, Margaret S. Sherraden, Lissa Johnson, Li Zou
Center for Social Development Research
The concern for economic well-being undergirds most of the United Nations Sustainable Development Goals. This Perspective articulates an agenda for advancing those goals in resource-constrained countries by leveraging financial capability and asset-building (FCAB) strategies. It also specifies a role for financial technology (commonly called “FinTech”) in this work. The authors conclude with a call for better integrating FCAB and FinTech into plans for advancing the SDGs.
Healing Policies For Black Boys And Young Men In St. Louis: Priorities In 2019, Sean Joe, Robert Motley, Alexandra Ivory, Alyssa Finner, Janet Frederick
Healing Policies For Black Boys And Young Men In St. Louis: Priorities In 2019, Sean Joe, Robert Motley, Alexandra Ivory, Alyssa Finner, Janet Frederick
Center for Social Development Research
What policy reforms are needed to remove the structural barriers that make it difficult for Black boys and young men to thrive in St. Louis?
Presenting findings from research with social service providers, this Brief Report from the Race and Opportunity Lab’s HomeGrown STL project seeks to inform policy decisions, advocacy efforts, and collective impact strategies in order to improve outcomes for Black boys and young men in the St. Louis region.
Faculty Perspectives On Financial Capability And Asset Building In Social Work Education: A Research Report, Margaret S. Sherraden, Jin Huang, Lissa Johnson, Peter Dore, Julie Birkenmaier, Vernon Loke, Sally Hageman
Faculty Perspectives On Financial Capability And Asset Building In Social Work Education: A Research Report, Margaret S. Sherraden, Jin Huang, Lissa Johnson, Peter Dore, Julie Birkenmaier, Vernon Loke, Sally Hageman
Center for Social Development Research
This report is based on a study conducted in collaboration with the Council on Social Work Education. The report presents findings from a national online survey of social work faculty. Results identify financial and economic (F&E) content taught in the current curriculum, gaps in coverage, and strategies for improving the academic preparation of social workers in these areas. Findings will inform financial capability and asset-building curriculum and improve the academic preparation of social workers.
Policy Recommendations For Meeting The Grand Challenge To Reduce Extreme Economic Inequality, William Elliott Iii, Julia R. Henly, Susan J. Lambert, Laura Lein, Jennifer L. Romich, Trina R. Shanks, Michael Sherraden
Policy Recommendations For Meeting The Grand Challenge To Reduce Extreme Economic Inequality, William Elliott Iii, Julia R. Henly, Susan J. Lambert, Laura Lein, Jennifer L. Romich, Trina R. Shanks, Michael Sherraden
Center for Social Development Research
This brief was created forSocial Innovation for America’s Renewal, a policy conference organized by the Center for Social Development in collaboration with the American Academy of Social Work & Social Welfare, which is leading theGrand Challenges for Social Work initiative to champion social progress. The conference site includes links to speeches, presentations, and a full list of the policy briefs.
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
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 …
Residential Mobility During Adolescence: Even "Upward" Moves Predict High School Dropout, Molly W. Metzger, Patrick J. Fowler, Bennett Kelberman
Residential Mobility During Adolescence: Even "Upward" Moves Predict High School Dropout, Molly W. Metzger, Patrick J. Fowler, Bennett Kelberman
Center for Social Development Research
Racial and economic segregation have long endured as systemic challenges in U.S. metropolitan areas. To combat the inequalities of segregation, two broad policy approaches have emerged: (1) preservation stresses investment in low-income neighborhoods, and (2) mobility stresses moving households in low-income areas to more affluent areas. Our recent study reveals some possible unintended consequences of the latter approach, particularly for adolescents. We find that moving during adolescence is associated with decreased odds of graduating from high school, even when moving to significantly higher income neighborhoods.
Voices Of Youth, Parents, And Stakeholders: Findings From Case Studies In The Youthsave Project, Li Zou, Sarah Myers Tlapek, Margaret S. Sherraden, John W. Gabbert, Amy Ritterbusch, Ernest Appiah, Dorcas Opai-Tetteh, Githinji Njenga, Joseph Kieyah, Sharad K. Sharma, Jyoti Manandhar, Manik Maharjan
Voices Of Youth, Parents, And Stakeholders: Findings From Case Studies In The Youthsave Project, Li Zou, Sarah Myers Tlapek, Margaret S. Sherraden, John W. Gabbert, Amy Ritterbusch, Ernest Appiah, Dorcas Opai-Tetteh, Githinji Njenga, Joseph Kieyah, Sharad K. Sharma, Jyoti Manandhar, Manik Maharjan
Center for Social Development Research
Voices of Youth, Parents, and Stakeholders: Findings From Case Studies in the YouthSave Project
Community Partner Perspectives Of Dukeengage: 2011–2013, Sarita Barton, Amanda Moore Mcbride, Jaclyn Demarse Purtell
Community Partner Perspectives Of Dukeengage: 2011–2013, Sarita Barton, Amanda Moore Mcbride, Jaclyn Demarse Purtell
Center for Social Development Research
Community Partner Perspectives of Dukeengage: 2011–2013
Heterogeneous Effects Of Child Development Accounts On Savings For Children's Education, Jin Huang, Youngmi Kim, Michael Sherraden, Margaret Clancy
Heterogeneous Effects Of Child Development Accounts On Savings For Children's Education, Jin Huang, Youngmi Kim, Michael Sherraden, Margaret Clancy
Center for Social Development Research
In this study, we use data from SEED for Oklahoma Kids (N = 2,77), a statewide policy experiment testing Child Development Accounts (CDAs), to examine effects on individual savings for children’s postsecondary education. Built on the account structure of the Oklahoma 529 College Savings Plan, the experiment automatically opened state-owned 529 accounts for children in the treatment group with a $1,000 initial deposit, and encouraged their caregivers to open and save in participant-owned 529 accounts. Using quantile regressions and statistical match, the study focuses on the effects of CDAs on the shape of the savings distribution among participants who hold …
Motivating Students Through Classroom-Based Service Learning: Toward Adoption And Impact, Anne S. Robertson, Amanda Moore Mcbride, Saras Chung, Allison Williams
Motivating Students Through Classroom-Based Service Learning: Toward Adoption And Impact, Anne S. Robertson, Amanda Moore Mcbride, Saras Chung, Allison Williams
Center for Social Development Research
Motivating Students Through Classroom-Based Service Learning: Toward Adoption and Impact
Automatic Deposits For All At Birth: Maine's Harold Alfond College Challenge, Margaret M. Clancy, Michael Sherraden
Automatic Deposits For All At Birth: Maine's Harold Alfond College Challenge, Margaret M. Clancy, Michael Sherraden
Center for Social Development Research
The first statewide Child Development Account (CDA) in the United States announced a major change in strategy to automatically enroll all newborns. Evidence from CDA research has contributed to the decision by the College Challenge to remove its original opt-in requirement—in which parents must enroll their newborns in the state’s 529 college savings plan to receive a $500 grant—in favor of universal enrollment—in which every child is enrolled automatically at birth with a $500 grant.
Student Debt And Declining Retirement Savings, William Elliott, Michal Grinstein-Weiss, Ilsung Nam
Student Debt And Declining Retirement Savings, William Elliott, Michal Grinstein-Weiss, Ilsung Nam
Center for Social Development Research
In this study, the authors use the Survey of Consumer Finances (SCF) to determine whether student loan debt is associated with retirement savings. They find that the median 2009 retirement savings amount for households with no outstanding student loan debt ($55,000) is nearly twice as high as it is for households with outstanding student loan debt ($25,000). Further, multivariate statistics indicate that a household with a four-year college graduate, outstanding student loan debt, and median retirement savings ($80,983) in 2007 incurred a loss of 52% of those retirement savings in 2009 contrasted with household with a similar household with no …
Is Student Debt Compromising Homeownership As A Wealth-Building Tool?, William Elliott, Michal Grinstein-Weiss, Ilsung Nam
Is Student Debt Compromising Homeownership As A Wealth-Building Tool?, William Elliott, Michal Grinstein-Weiss, Ilsung Nam
Center for Social Development Research
In this study, the authors use 2007–2009 Survey of Consumer Finance longitudinal data to examine if having student loans affected home equity during the Great Recession. We find that median 2009 home equity ($90,000) for households with no outstanding student loan debt is twice as high as that of households with outstanding student loan debt ($45,000). Further, multivariate statistics reveal that a household with a college graduate, median 2007 home equity, and student loan debt had $54,334 (40%) less home equity in 2009 than a household with a college graduate, median home equity, and no college debt. The main policy …
Child Development Accounts And College Success: Accounts, Assets, Expectations, And Achievements, Sondra G. Beverly, William Elliott, Michael Sherraden
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.
The Impact Of Family Assets And Debt On College Graduation, Min Zhan, Deidre Lanesskog
The Impact Of Family Assets And Debt On College Graduation, Min Zhan, Deidre Lanesskog
Center for Social Development Research
The Impact of Family Assets and Debt on College Graduation
Seed For Oklahoma Kids: Experimental Test Of A Policy Innovation In A Full Population, Lisa Reyes Mason, Yunju Nam, Margaret Clancy, Michael Sherraden
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
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
Small-Dollar Children's Savings Accounts, Income, And College Outcomes, William Elliott, Hyun-A Song, Ilsung Nam
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
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 …
Parental Involvement And Academic Performance In Ghana, Gina Chowa, David Ansong, Issac Osei-Akoto
Parental Involvement And Academic Performance In Ghana, Gina Chowa, David Ansong, Issac Osei-Akoto
Center for Social Development Research
Parental Involvement and Academic Performance in Ghana
Learning To Vote: Informing Political Participation Among College Students, Suzanne Pritzker, Melanie J. Springer, Amanda Moore Mcbride
Learning To Vote: Informing Political Participation Among College Students, Suzanne Pritzker, Melanie J. Springer, Amanda Moore Mcbride
Center for Social Development Research
To inform universities’ capacity to encourage student political participation, we examine associations between four civic influences—civic instruction, deliberative course-based discussion, community service, and service learning—and youth participation during the 2008 presidential election. These four influences were selected because they are commonly integrated into higher education environments. Using an original survey, we employ a broad definition of political behavior to explore ways college students express themselves politically and to examine potential influences on their participation. We hypothesize that students exposed to civic influences are more likely to vote and engage in other participatory activities than those who lack such exposure. Findings …
Long-Term Follow-Up Of Individual Development Accounts: Evidence From The Add Experiment, Michal Grinstein-Weiss, Michael Sherraden, William M. Rohe, William Gale, Mark Schreiner, Clinton Key
Long-Term Follow-Up Of Individual Development Accounts: Evidence From The Add Experiment, Michal Grinstein-Weiss, Michael Sherraden, William M. Rohe, William Gale, Mark Schreiner, Clinton Key
Center for Social Development Research
Long-Term Follow-Up of Individual Development Accounts: Evidence From the ADD Experiment
Experience Corps: Pathway To New Engagement, Nancy Morrow-Howell, Stacey Mccrary, Yung Soo Lee, Amanda Mcbride
Experience Corps: Pathway To New Engagement, Nancy Morrow-Howell, Stacey Mccrary, Yung Soo Lee, Amanda Mcbride
Center for Social Development Research
Experience Corps: Pathway to New Engagement
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. …
Assets And Liabilities, Race/Ethnicity, And Children's College Education, Min Zhan, Michael Sherraden
Assets And Liabilities, Race/Ethnicity, And Children's College Education, Min Zhan, Michael Sherraden
Center for Social Development Research
This study examines the extent to which household assets and liabilities are related to disparities in children’s college attendance and college graduation among White, Black, and Hispanic families. Results indicate that, after household assets are considered, a substantial portion of the Black-White gap in college attendance and college graduation disappears, and a small portion of the Hispanic-White gap in college graduation also disappears. Separate analyses of children from each racial/ethnic group further indicate that family income and financial assets are related to White children’s college attendance and graduation, but nonfinancial assets and unsecured debt are associated with college attendance and …
Parental Income, Assets, And Borrowing Constraints And Children's Post-Secondary Education, Jin Huang, Baorong Guo, Youngmi Kim, Michael Sherraden
Parental Income, Assets, And Borrowing Constraints And Children's Post-Secondary Education, Jin Huang, Baorong Guo, Youngmi Kim, Michael Sherraden
Center for Social Development Research
This study is a test of two theoretical models linking parental economic resources to children’s post-secondary education, namely, short-term borrowing constraints and long-term family background. a series of structural equation models (SEM) are tested using data from a sample of young adults (N=650) in the Panel Study of Income Dynamics (PSID). To further understand the role of parental resources in children’s education, analyses are conducted for both income and assets, with assets measured by liquid assets and net worth. Findings indicate that both income and assets have consistent long-term associations with children’s college entry. When measures of household wealth are …
Parental Assets And Children's Educational Outcomes, Vernon Loke, Paul Sacco
Parental Assets And Children's Educational Outcomes, Vernon Loke, Paul Sacco
Center for Social Development Research
Several countries, including Canada, Singapore and the United Kingdom, have enacted asset-based policies for children in recent years. The premise underlying these policies is that increases in assets lead to improvement in various child outcomes over time. But little existing research examines this premise from a dynamic perspective. Using data from the NLSY79 mother and child datasets, two parallel process latent growth curve models are estimated to examine the effects of parental asset accumulation on changes in children’s math and reading achievement over six years during middle childhood. Results indicate that the initial level of assets is positively associated with …
Experience Corps: Effects On Student Reading, Nancy Morrow-Howell, Stacey Mccrary, Yung Soo Lee, Ed Spitznagel, Melissa Jonson-Reid
Experience Corps: Effects On Student Reading, Nancy Morrow-Howell, Stacey Mccrary, Yung Soo Lee, Ed Spitznagel, Melissa Jonson-Reid
Center for Social Development Research
Experience Corps: Effects on Student Reading
Evaluation Of Experience Corps: Student Reading Outcomes, Nancy Morrow-Howell, Melissa Jonson-Reid, Stacey Mccrary, Yungsoo Lee, Ed Spitznagel
Evaluation Of Experience Corps: Student Reading Outcomes, Nancy Morrow-Howell, Melissa Jonson-Reid, Stacey Mccrary, Yungsoo Lee, Ed Spitznagel
Center for Social Development Research
Evaluation of Experience Corps: Student Reading Outcomes
Changing Roles Of Parental Economic Resources In Children's Education Attainment, Yunju Nam, Jin Huang
Changing Roles Of Parental Economic Resources In Children's Education Attainment, Yunju Nam, Jin Huang
Center for Social Development Research
We investigate whether the relationship between parents’ economic resources and children’s educational attainment has changed over time by comparing two cohorts from the Panel Study of Income Dynamics. We examine multiple measures of economic resources, including income, net worth, liquid assets, and homeownership. We employ probit regressions and Chow tests in multivariate analyses. Results show that the associations between parents’ liquid assets and college attendance became significantly stronger among the later cohort, suggesting the increasing importance of liquid assets. of particular interest is a change in the role of negative liquid assets (unsecured debt exceeding savings) in high school graduation: …