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中国农村资产社会政策: 社会养老保险制度的变革 [Asset-Based Policy In Rural China: An Innovation In The Retirement Social Insurance Program], Baorong Guo, Jin Huang, Li Zou, Michael Sherraden Jul 2007

中国农村资产社会政策: 社会养老保险制度的变革 [Asset-Based Policy In Rural China: An Innovation In The Retirement Social Insurance Program], Baorong Guo, Jin Huang, Li Zou, Michael Sherraden

Center for Social Development Research

In response to the growing rural-urban inequality, China is undertaking a series of policy initiatives to promote rural development. In addition to redistributive policies aiming at social protection, asset-based policy, which integrates social protection and social investment, is another viable option for progressive rural development. In 1998, the Hutubi local government in the Xinjiang Uygur Autonomous Region of China implemented an innovative retirement program which allows account holders to use accounts as legal collateral to borrow small loans and invest in productive assets such as farming supplies and equipment, education, and small businesses. Using the data gathered by the program ...


Fostering Low-Income Homeownership: A Longitudinal Randomized Experiment On Individual Development Accounts, Michal Grinstein-Weiss, Jung-Sook Lee, Kate Irish, Chang-Keun Han Jul 2007

Fostering Low-Income Homeownership: A Longitudinal Randomized Experiment On Individual Development Accounts, Michal Grinstein-Weiss, Jung-Sook Lee, Kate Irish, Chang-Keun Han

Center for Social Development Research

For low-income families, homeownership represents an important strategy to move out of poverty and offers long-term social and economic development opportunities. Individual Development Account (IDA) programs facilitate savings towards assets such as home purchase through matched savings, financial education and case management. Using longitudinal experiment data from the American Dream Demonstration, this study examines the influence of IDA participation on homeownership rates among low-income participants after 18 months (Wave 2) of program participation and after 48 months (Wave 3) at program completion. Involvement in specific home-search activities at Waves 2 and 3 was measured to determine whether these activities mediated ...


Assets Beyond Saving In Individual Development Accounts, Chang-Keun Han, Michal Grinstein-Weiss, Michael Sherraden Jul 2007

Assets Beyond Saving In Individual Development Accounts, Chang-Keun Han, Michal Grinstein-Weiss, Michael Sherraden

Center for Social Development Research

This study examines whether participation in Individual Development Accounts (IDAs) leads to a significant growth in assets beyond saving in the IDA accounts. Using a longitudinal experimental research design for low-income IDA participants, we test for impacts on five measures of assets: liquid assets, other financial assets, total financial assets, real assets, and total assets. Results show that, while there are no large differences in liquid and financial assets between the treatment group and the control group, IDA participants in the take-up group have more real assets and total assets than members of the control group. Results suggest that additional ...


National And International Volunteerism Among Volunteers In The United States, 2005, Benjamin J. Lough, Kimberly A. Spring Jul 2007

National And International Volunteerism Among Volunteers In The United States, 2005, Benjamin J. Lough, Kimberly A. Spring

Center for Social Development Research

National and International Volunteerism Among Volunteers in the United States, 2005


Asset-Based Policy In Rural China: An Innovation In The Retirement Social Insurance Program, Baorong Guo, Jin Huang, Li Zou, Michael Sherraden Jul 2007

Asset-Based Policy In Rural China: An Innovation In The Retirement Social Insurance Program, Baorong Guo, Jin Huang, Li Zou, Michael Sherraden

Center for Social Development Research

In response to the growing rural-urban inequality, China is undertaking a series of policy initiatives to promote rural development. In addition to redistributive policies aiming at social protection, asset-based policy, which integrates social protection and social investment, is another viable option for progressive rural development. In 1998, the Hutubi local government in the Xinjiang Uygur Autonomous Region of China implemented an innovative retirement program which allows account holders to use accounts as legal collateral to borrow small loans and invest in productive assets such as farming supplies and equipment, education, and small businesses. Using the data gathered by the program ...


Seed Account Monitoring Research: Participants And Savings Outcomes At June 30, 2007, Lisa Reyes Mason, Margaret Clancy, Vernon Loke, Youngmi Kim, Yunju Nam, Soda Lo Jul 2007

Seed Account Monitoring Research: Participants And Savings Outcomes At June 30, 2007, Lisa Reyes Mason, Margaret Clancy, Vernon Loke, Youngmi Kim, Yunju Nam, Soda Lo

Center for Social Development Research

SEED Account Monitoring Research: Participants and Savings Outcomes at June 30, 2007


Seed For Oklahoma Kids: Summary Of Project, Research, And Policy Implications, Michael Sherraden, Margaret M. Clancy Jul 2007

Seed For Oklahoma Kids: Summary Of Project, Research, And Policy Implications, Michael Sherraden, Margaret M. Clancy

Center for Social Development Research

SEED for Oklahoma Kids: Summary of Project, Research, and Policy Implications


The Balance Sheets Of Low-Income Households: What We Know About Their Assets And Liabilities., Adam Carasso, Signe-Mary Mckernan Jul 2007

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 Jul 2007

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


The Achievement Gap From A Capabilities And Asset Perspective, William Elliott Iii, Margaret Sherrard Sherraden Jul 2007

The Achievement Gap From A Capabilities And Asset Perspective, William Elliott Iii, Margaret Sherrard Sherraden

Center for Social Development Research

Current explanations for the achievement gap do not fully explain why high-achieving poor and minority children perceive of college as being out of reach. This paper reviews perspectives on the achievement gap and proposes a model that incorporates a capabilities and assets approach. The uneven playing field created by unequal distribution of assets sustains educational advantage and high expectations for college among children from families with assets, while dampening expectations for college among poor and minority children. As a possible avenue to closing the gap, we suggest that increasing poor and minority children’s capability for financing college may increase ...


Individual Development Accounts: Frequently Asked Questions, Michal Grinstein-Weiss, Kate Irish Jul 2007

Individual Development Accounts: Frequently Asked Questions, Michal Grinstein-Weiss, Kate Irish

Center for Social Development Research

Individual Development Accounts: Frequently Asked Questions


Attitudes Toward Institutional Features And Savings In Individual Development Accounts: Latent Class Analysis, Chang-Keun Han, Michael Sherraden Jul 2007

Attitudes Toward Institutional Features And Savings In Individual Development Accounts: Latent Class Analysis, Chang-Keun Han, Michael Sherraden

Center for Social Development Research

This exploratory study focuses on classifying attitudes toward institutional features of Individual Development Accounts (IDAs). This study also examines to what extent the attitudes change and how they are associated with savings in IDAs. While attitudes toward IDAs are generally positive, latent class analysis (LCA) found 3 groups, “highly positive," “moderately positive,” and “mixed opinion.” Race is significantly associated with the classification. This study found dynamic changes in attitudes at 18 months and 48 months after the baseline interview. While attitudes became somewhat more positive for 18% of participants, they became more negative for 26%. It was also found that ...


Do Institutions Really Matter For Saving Among Low-Income Households? A Comparative Approach, Chang-Keun Han, Michael Sherraden Jul 2007

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.


Seed Participant Characteristics And Financial Accumulation, Lisa Reyes Mason, Vernon Loke, Margaret Clancy, Yunju Nam, Youngmi Kim, Soda Lo Jul 2007

Seed Participant Characteristics And Financial Accumulation, Lisa Reyes Mason, Vernon Loke, Margaret Clancy, Yunju Nam, Youngmi Kim, Soda Lo

Center for Social Development Research

SEED Participant Characteristics and Financial Accumulation


Dual Incentives And Dual Asset Building: The Hutubi Rural Social Security Loan Program In China, Baorong Guo, Jin Huang, Michael Sherraden, Li Zou Jul 2007

Dual Incentives And Dual Asset Building: The Hutubi Rural Social Security Loan Program In China, Baorong Guo, Jin Huang, Michael Sherraden, Li Zou

Center for Social Development Research

The Hutubi Rural Social Security Loan program is a policy innovation in a rural area of China by loaning savings in social security accounts back to peasants for them to purchase assets for agricultural and other development. In contrast to the nationwide recession in rural social security, this program has shown its success in proliferating rural social security funds and retaining social security participants. With a focus on the administrative data of the loan program, this study aims to provide an in-depth understanding of the loan program and examine how asset building is possible for the poor when institutional incentives ...


Global Savings, Assets And Financial Inclusion: Lessons, Challenges, And Directions, Jamie M. Zimmerman, Ray Boshara, Michael Sherraden, Li Zou, Kate Mckee, Leslie Meek-Wohl, Amy Feldman Jul 2007

Global Savings, Assets And Financial Inclusion: Lessons, Challenges, And Directions, Jamie M. Zimmerman, Ray Boshara, Michael Sherraden, Li Zou, Kate Mckee, Leslie Meek-Wohl, Amy Feldman

Center for Social Development Research

Global Savings, Assets and Financial Inclusion: Lessons, Challenges, and Directions


Inclusion And Effectiveness In International Volunteering And Service, Amanda Moore Mcbride, Margaret S. Sherraden, Benjamin J. Lough Jul 2007

Inclusion And Effectiveness In International Volunteering And Service, Amanda Moore Mcbride, Margaret S. Sherraden, Benjamin J. Lough

Center for Social Development Research

Inclusion and Effectiveness in International Volunteering and Service


The Estimated Economic Value Of A Us Volunteer Abroad, Benjamin Lough, Amanda Moore Mcbride, Margaret Sherrard Sherraden Jul 2007

The Estimated Economic Value Of A Us Volunteer Abroad, Benjamin Lough, Amanda Moore Mcbride, Margaret Sherrard Sherraden

Center for Social Development Research

The Estimated Economic Value of a US Volunteer Abroad


College Expectations Among Young Children: The Potential Role Of Savings, William Elliott Iii, Margaret Sherrard Sherraden, Lissa Johnson, Suzanne Johnson, Signe Peterson Jul 2007

College Expectations Among Young Children: The Potential Role Of Savings, William Elliott Iii, Margaret Sherrard Sherraden, Lissa Johnson, Suzanne Johnson, Signe Peterson

Center for Social Development Research

For many young people, especially minority and low-income children, attending college is a genuinely desired but elusive goal. This paper explores young children’s perceptions and expectations about attending college and potential influences on their formation. Conducted as part of a four-year study of a school-based saving for college program, this paper uses qualitative evidence from interviews with 60 children in second grade, and surveys with their parents. Findings suggest most of the young children in the study have a general understanding of college and have begun the process of choosing higher education. Further, the perception that saving is a ...


Asset-Building And Investment In Kenya: Small Pilot Project And Directions, Becky Wachera Gitonga, Kenneth Schultz, Matthew Meyer, Francis Ngambi Jul 2007

Asset-Building And Investment In Kenya: Small Pilot Project And Directions, Becky Wachera Gitonga, Kenneth Schultz, Matthew Meyer, Francis Ngambi

Center for Social Development Research

Asset-Building and Investment in Kenya: Small Pilot Project and Directions


Building Children's Assets In Singapore: The Post-Secondary Education Account Policy, Vernon Loke, Michael Sherraden Jul 2007

Building Children's Assets In Singapore: The Post-Secondary Education Account Policy, Vernon Loke, Michael Sherraden

Center for Social Development Research

Building Children's Assets in Singapore: The Post-Secondary Education Account Policy


Increasing Parent Educational Expectations For Children In Sub-Saharan Africa: The Potential Role Of Assets, Gina Chowa, William Elliott Iii Jul 2007

Increasing Parent Educational Expectations For Children In Sub-Saharan Africa: The Potential Role Of Assets, Gina Chowa, William Elliott Iii

Center for Social Development Research

It is commonly held in the education literature that parent expectations are an important factor in predicting children’s achievement in school. However, little research has been conducted on educational expectations of parents living in developing countries. In this study of Ugandans we examine whether parents save more when they are given access to Asset Development Accounts (ADAs) and financial training than parents receiving financial training but no ADAs, and/or parents with no ADA or financial training. We find that Ugandan parents who receive both an ADA and financial training experience an increase in mean wealth of US$77 ...


Under-Utilized Contributions By International Students: Case Study For Education And Research, Gina Chowa, Kofi Danso, Michael Sherraden Jul 2007

Under-Utilized Contributions By International Students: Case Study For Education And Research, Gina Chowa, Kofi Danso, Michael Sherraden

Center for Social Development Research

International social work education in the United States focuses on globalization and international practicum for American students. a readily available resource, international social work graduate students, is rarely utilized. This article discusses a case study of five African students who engage in a process of realigning their academic knowledge to respond to local social development challenges in their home countries. These processes result in profound innovations that are based on theory, indigenous experience, and culturally competent practice.


中国呼图壁养老保险质押贷款项目双重激: 励和双重资产积累 [Dual Incentives And Dual Asset Building: The Hutubi Rural Social Security Loan Program In China], Baorong Guo, Jin Huang, Michael Sherraden, Li Zou Jul 2007

中国呼图壁养老保险质押贷款项目双重激: 励和双重资产积累 [Dual Incentives And Dual Asset Building: The Hutubi Rural Social Security Loan Program In China], Baorong Guo, Jin Huang, Michael Sherraden, Li Zou

Center for Social Development Research

The Hutubi Rural Social Security Loan program is a policy innovation in a rural area of China by loaning savings in social security accounts back to peasants for them to purchase assets for agricultural and other development. In contrast to the nationwide recession in rural social security, this program has shown its success in proliferating rural social security funds and retaining social security participants. With a focus on the administrative data of the loan program, this study aims to provide an in-depth understanding of the loan program and examine how asset building is possible for the poor when institutional incentives ...


Five-Country Study On Service And Volunteering In Southern Africa, Leila Patel, Helene Perold, Salah Elzein Mohamed, René Carapinha Jul 2007

Five-Country Study On Service And Volunteering In Southern Africa, Leila Patel, Helene Perold, Salah Elzein Mohamed, René Carapinha

Center for Social Development Research

Five-Country Study on Service and Volunteering in Southern Africa


The Elderly In Uruguay: Volunteer Work And Civic Service Actors, Anabel Cruz, Lucia Pérez Jul 2007

The Elderly In Uruguay: Volunteer Work And Civic Service Actors, Anabel Cruz, Lucia Pérez

Center for Social Development Research

The Elderly in Uruguay: Volunteer Work and Civic Service Actors


Assessing Asset Data On Low-Income Households, Caroline Ratcliffe, Henry Chen, Trina R. Williams Shanks, Yunju Nam, Mark Schreiner, Min Zhan, Michael Sherraden Jul 2007

Assessing Asset Data On Low-Income Households, Caroline Ratcliffe, Henry Chen, Trina R. Williams Shanks, Yunju Nam, Mark Schreiner, Min Zhan, Michael Sherraden

Center for Social Development Research

Assessing Asset Data on Low-Income Households


Effects Of Participating In An Asset-Building Intervention On Social Inclusion, Margaret Lombe, Michael Sherraden Jul 2007

Effects Of Participating In An Asset-Building Intervention On Social Inclusion, Margaret Lombe, Michael Sherraden

Center for Social Development Research

The United States is arguably one of the richest countries in the world. However, poverty is still an issue of great concern. This observation suggests the need for more innovative interventions to reduce severe need and create terms for meaningful participation of vulnerable individuals in economic, political, and social exchange. Using a sample of IDA program participants (N=840), who were randomly assigned to a control and experimental group, this study explores the relationship between an asset-building intervention and social inclusion from the human capabilities perspective. Results reveal a significant relationship between participating in an IDA program and social inclusion ...


Vita Sites: Linking Tax Returns And Asset Building Strategies In Indian Country, Kristen Wagner, Karen Edwards, Amy Locklear Hertel, Miriam Jorgensen, Dana Klar Jul 2007

Vita Sites: Linking Tax Returns And Asset Building Strategies In Indian Country, Kristen Wagner, Karen Edwards, Amy Locklear Hertel, Miriam Jorgensen, Dana Klar

Center for Social Development Research

On an individual and family basis, the Earned Income Tax Credit (EITC) has important poverty alleviation characteristics. Few populations or places in the United States are as needful of the dollars provided by EITC receipt as Indian Country. The receipt of EITC will not alleviate poverty in Indian Country alone, but can be a viable start by providing thousands of dollars to families in Native communities. During the two years this project has been underway, more than 9,000 tax returns have been filed at 14 Voluntary Income Tax Assistance (VITA) sites serving Indian Country. The study examined the number ...


Measuring Effectiveness Of Civic Participation At The University Level In Turkey: A Case Study Of The Civic Involvement Project At Sabanci University, Tara Hopkins Jun 2007

Measuring Effectiveness Of Civic Participation At The University Level In Turkey: A Case Study Of The Civic Involvement Project At Sabanci University, Tara Hopkins

Center for Social Development Research

Sabanci University, located in Istanbul, Turkey, launched the Civic Involvement Project (CIP) in 1999 for students at the university level. This study examines the effectiveness of CIP, with the principle goals of measuring participants’ perceptions and identifying the program’s strengths and weaknesses. In addition, this research seeks to better understand how CIP compares to other youth involvement/participation programs. The impact of service-learning on several civic education variables (i.e. social awareness, social networking, political awareness, critical thinking, and personal development) and the effects of characteristics of service-learning experiences on the development of students are also explored.