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Full-Text Articles in Social Work
Saving And Asset Accumulation Among Low-Income Families With Children In Idas, Michal Grinstein-Weiss, Kristen Wagner, Fred M. Ssewamala
Saving And Asset Accumulation Among Low-Income Families With Children In Idas, Michal Grinstein-Weiss, Kristen Wagner, Fred M. Ssewamala
Center for Social Development Research
Research indicates that low-income families with children have many motives to save, however, the costs of raising children, low wage employment, means tested programs, and the need for child care make it difficult for them to save. Using data from the American Dream Demonstration (n=1,801), this study examines saving performances of low-income families with children in a matched savings program – Individual Development Accounts (IDAs). The results indicate that households with children in IDAs can save when they are provided structured opportunities. In addition, this study finds that institutional factors, not merely individual characteristics, are highly associated with IDA saving …
Institutions And Savings In Low-Income Households, Jami Curley, Fred Ssewamala, Michael Sherraden
Institutions And Savings In Low-Income Households, Jami Curley, Fred Ssewamala, Michael Sherraden
Center for Social Development Research
Institutions and Savings in Low-Income Households
Civic Engagement Among Low-Income And Low-Wealth Families: In Their Words, Amanda Moore Mcbride, Margaret S. Sherraden, Suzanne Pritzer
Civic Engagement Among Low-Income And Low-Wealth Families: In Their Words, Amanda Moore Mcbride, Margaret S. Sherraden, Suzanne Pritzer
Center for Social Development Research
Through in-depth interviews with 84 low-income, low-wealth families, we find civic engagement across a range of behaviors, e.g., volunteering through religious organizations, neighboring, involvement in children’s activities, and contributing. Data are suggestive of a modified life cycle theory of engagement as well as a “stakeholding” theory, highlighting assets as resources and incentives for action. Time constraint is noted as a primary mediator. Possible implications for measurement, future research, and social interventions and policies are discussed.
Using Tax Refunds To Promote Asset Building In Low-Income Households: Program And Policy Options, Sondra G. Beverly, Colleen Dailey
Using Tax Refunds To Promote Asset Building In Low-Income Households: Program And Policy Options, Sondra G. Beverly, Colleen Dailey
Center for Social Development Research
Using Tax Refunds to Promote Asset Building in Low-Income Households: Program and Policy Options
Linking Tax Refunds And Low-Cost Bank Accounts: A Social Development Strategy For Low-Income Families?, Sondra G. Beverly, Jennifer L. Romich, Jennifer Tescher
Linking Tax Refunds And Low-Cost Bank Accounts: A Social Development Strategy For Low-Income Families?, Sondra G. Beverly, Jennifer L. Romich, Jennifer Tescher
Center for Social Development Research
This article describes a pilot program encouraging low-income workers to have their tax refunds directly deposited into low-cost bank accounts. The program did not lead to substantial saving and asset accumulation in the short-term. However, surveys and interviews suggest that the program helped some participants spend money more slowly and more thoughtfully, introduced some to account ownership or direct deposit, and encouraged some to obtain other mainstream financial products. Thus, the program may have helped low-income families “get on track” for future saving and asset accumulation.
Violence In The Lives Of Rural, Southern & Poor White Women, Naomi Farber, Julie Miller-Cribbs
Violence In The Lives Of Rural, Southern & Poor White Women, Naomi Farber, Julie Miller-Cribbs
Center for Social Development Research
Violence in the Lives of Rural, Southern & Poor White Women
Assets And The Poor: Evidence From Individual Development Accounts, Mark Schreiner, Michael Sherraden, Margaret Clancy, Lissa Johnson, Jami Curley, Min Zhan, Sondra Beverly, Michal Grinstein-Weiss
Assets And The Poor: Evidence From Individual Development Accounts, Mark Schreiner, Michael Sherraden, Margaret Clancy, Lissa Johnson, Jami Curley, Min Zhan, Sondra Beverly, Michal Grinstein-Weiss
Center for Social Development Research
Assets and the Poor: Evidence From Individual Development Accounts
Who Are The Asset Poor? Levels, Trends, And Composition, 1983-1998, Robert Haveman, Edward N. Wolff
Who Are The Asset Poor? Levels, Trends, And Composition, 1983-1998, Robert Haveman, Edward N. Wolff
Center for Social Development Research
Who Are the Asset Poor? Levels, Trends, and Composition, 1983-1998
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 …
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 …
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, …
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 …