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Full-Text Articles in Social Work
Research Summary: Testing Universal College Savings Accounts At Birth: Early Research From Seed For Oklahoma Kids, Sondra G. Beverly, Margaret M. Clancy, Michael Sherraden
Research Summary: Testing Universal College Savings Accounts At Birth: Early Research From Seed For Oklahoma Kids, Sondra G. Beverly, Margaret M. Clancy, Michael Sherraden
Center for Social Development Research
SEED for Oklahoma Kids is a large-scale policy test of automatic and progressive Child Development Accounts (CDAs), and it is the first truly universal model in the United States. The SEED OK CDA is universal in that it opens an Oklahoma 529 College Savings Plan (OK 529) account on behalf of every infant in the treatment group. This report summarizes key findings and conclusions from SEED for Oklahoma Kids research. Even at this early stage, SEED OK research is informing policy and the design of college savings plans at the state level. Amore recent summary of SEED OK research is …
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.
Refund To Savings: 2013 Results From A National Experiment To Build Financial Stability At Tax Time, Michal Grinstein-Weiss, Krista Comer, Blair Russell, Clinton Key, Dana C. Perantie, Dan Ariely
Refund To Savings: 2013 Results From A National Experiment To Build Financial Stability At Tax Time, Michal Grinstein-Weiss, Krista Comer, Blair Russell, Clinton Key, Dana C. Perantie, Dan Ariely
Center for Social Development Research
Refund to Savings: 2013 Results From a National Experiment to Build Financial Stability at Tax Time
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
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
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.
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
Savings Patterns And Performance In Colombia, Ghana, Kenya, And Nepal, Lissa Johnson, Yungsoo Lee, Michael Sherraden, Gina A. N. Chowa, David Ansong, Fred Ssewamala, Margaret Sherraden, Li Zou, Moses Njenga, Joseph Kieyah, Isaac Osei-Akoto, Sharad Sharma, Jyoti Manandhar, Catherine Rodriguez, Frederico Merchán, Juan Saavedra
Savings Patterns And Performance In Colombia, Ghana, Kenya, And Nepal, Lissa Johnson, Yungsoo Lee, Michael Sherraden, Gina A. N. Chowa, David Ansong, Fred Ssewamala, Margaret Sherraden, Li Zou, Moses Njenga, Joseph Kieyah, Isaac Osei-Akoto, Sharad Sharma, Jyoti Manandhar, Catherine Rodriguez, Frederico Merchán, Juan Saavedra
Center for Social Development Research
Savings Patterns and Performance in Colombia, Ghana, Kenya, and Nepal
How Do Student And School Characteristics Influence Youth Academic Performance In Ghana? A Hierarchical Linear Modeling Of Baseline Data From The Youthsave Ghana Experiment, Gina A. N. Chowa, Rainier D. Masa, Yalitza Ramos, David Ansong
How Do Student And School Characteristics Influence Youth Academic Performance In Ghana? A Hierarchical Linear Modeling Of Baseline Data From The Youthsave Ghana Experiment, Gina A. N. Chowa, Rainier D. Masa, Yalitza Ramos, David Ansong
Center for Social Development Research
Student and school characteristics are associated with academic performance of high school students. However, few attempts have been made to examine the simultaneous influence of student and school factors on academic performance of youth in sub-Saharan Africa. Using hierarchical linear modeling, we examine student- and school- level predictors of academic performance of Ghanaian junior high school students. As other researchers have found, we note that age and gender are significant predictors of academic performance. Student traits, including academic self-efficacy and commitment to school, are positively associated with math and English scores. Class size and presence of a toilet facility are …
Parental Involvement's Effects On Academic Performance: Evidence From The Youthsave Ghana Experiment, Gina A. N. Chowa, Rainier D. Masa, Jenna Tucker
Parental Involvement's Effects On Academic Performance: Evidence From The Youthsave Ghana Experiment, Gina A. N. Chowa, Rainier D. Masa, Jenna Tucker
Center for Social Development Research
Research in developed countries suggests that parental involvement is associated with youth academic success, but little is known about this relationship in developing countries. Further, it is unclear which type of parental involvement may impact the academic performance of youth from developing countries. This study examines whether (a) parental involvement at home and in school are meaningfully different constructs in a population of Ghanaian youth and their parents and (b) parental involvement predicts academic performance. Results suggest that parental involvement is a bidimensional construct consists of home and school involvement. The effect of parental involvement on youth academic performance appears …
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
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
Saving Behavior In Response To Motivational Prompts: Evidence From The Refund To Savings Experiment, Clinton Key, Michal Grinstein-Weiss, Jenna Tucker, Krista Holub, Dan Ariely
Saving Behavior In Response To Motivational Prompts: Evidence From The Refund To Savings Experiment, Clinton Key, Michal Grinstein-Weiss, Jenna Tucker, Krista Holub, Dan Ariely
Center for Social Development Research
Saving Behavior in Response to Motivational Prompts: Evidence From the Refund to Savings Experiment
Refund To Savings (R2s): Insight From The Field, 2012, Krista Holub, Michal Grinstein-Weiss, Clinton Key, Dan Ariely
Refund To Savings (R2s): Insight From The Field, 2012, Krista Holub, Michal Grinstein-Weiss, Clinton Key, Dan Ariely
Center for Social Development Research
Refund to Savings (R2S): Insight From the Field, 2012
Relationships Between College Savings And Enrollment, Graduation, And Student Loan Debt, William Elliott Iii, Hyun-A Song, Ilsung Nam
Relationships Between College Savings And Enrollment, Graduation, And Student Loan Debt, William Elliott Iii, Hyun-A Song, Ilsung Nam
Center for Social Development Research
Relationships Between College Savings and Enrollment, Graduation, and Student Loan Debt
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 …
Youth And Their Health In Ghana, Gina Chowa, Rainier Masa, Isaac Osei-Akoto
Youth And Their Health In Ghana, Gina Chowa, Rainier Masa, Isaac Osei-Akoto
Center for Social Development Research
Youth and Their Health in Ghana
Youth And Saving In Ghana: A Baseline Report From The Youthsave Ghana Experiment, Gina Chowa, David Ansong, Rainier Masa, Mat Despard, Isaac Osei-Akoto, Atta-Ankomah Richmond, Andrew Agyei-Holmes, Michael Sherraden
Youth And Saving In Ghana: A Baseline Report From The Youthsave Ghana Experiment, Gina Chowa, David Ansong, Rainier Masa, Mat Despard, Isaac Osei-Akoto, Atta-Ankomah Richmond, Andrew Agyei-Holmes, Michael Sherraden
Center for Social Development Research
Youth and Saving in Ghana: A Baseline Report From the YouthSave Ghana Experiment
Interviews With Mothers Of Young Children In The Seed For Oklahoma Kids College Savings Experiment, Karen Gray, Margaret Clancy, Margaret S. Sherraden, Kristen Wagner, Julie Miller-Cribbs
Interviews With Mothers Of Young Children In The Seed For Oklahoma Kids College Savings Experiment, Karen Gray, Margaret Clancy, Margaret S. Sherraden, Kristen Wagner, Julie Miller-Cribbs
Center for Social Development Research
Interviews With Mothers of Young Children in the SEED for Oklahoma Kids College 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
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
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
Civic Service And Asset Building In Generating Livelihoods Among Youth In Africa, Benjamin J. Lough, Margaret S. Sherraden
Civic Service And Asset Building In Generating Livelihoods Among Youth In Africa, Benjamin J. Lough, Margaret S. Sherraden
Center for Social Development Research
Given high rates of unemployment among African youth, civic service offers a promising strategy for preparing young people for the labor market. Despite its potential, a lack of service opportunities, incentives, and competing livelihood needs, frequently prevent young people from volunteering. This paper reviews the debate on financial remuneration for volunteering, and describes innovative “hybrid” ways to incentivize and support young volunteers. These approaches offer the potential to build financial assets during service in the form of savings, stipends, and microenterprise credit or education awards. This paper highlights programs in several regions of Africa where similar approaches have been piloted. …
Two Accounts For Why Adolescent Savings Is Predictive Of Young Adult Savings: An Economic Socialization Perspective And An Institutional Perspective, William Elliott Iii, Paul Webley, Terri Friedline
Two Accounts For Why Adolescent Savings Is Predictive Of Young Adult Savings: An Economic Socialization Perspective And An Institutional Perspective, William Elliott Iii, Paul Webley, Terri Friedline
Center for Social Development Research
Economic socialization and the institutional theory of saving offer different accounts for why adolescents' savings predicts savings in young adulthood. Economic socialization theory emphasizes the role that the family plays in whether or not youth develop a future time orientation and a habit of saving. Conversely, an institutional theory is built on the premise that acquisition of financial knowledge and resources are strongly influenced by structural failures related to social class and race. Using longitudinal data (N = 694) from the Panel Study of Income Dynamics (PSID) and its supplements, this paper asks whether having savings as an adolescent (ages …
Seoul Hope Plus Savings Accounts: Asset-Building Program For Low-Income Households In Seoul (Second-Year Collaborative Research Report), Youngmi Kim, Soonung Lee, Mihyun Kim
Seoul Hope Plus Savings Accounts: Asset-Building Program For Low-Income Households In Seoul (Second-Year Collaborative Research Report), Youngmi Kim, Soonung Lee, Mihyun Kim
Center for Social Development Research
Seoul Hope Plus Savings Accounts: Asset-Building Program for Low-Income Households in Seoul (Second-Year Collaborative Research Report)
The Basic Economic Security Tables For The Us Report, Center For Social Development
The Basic Economic Security Tables For The Us Report, Center For Social Development
Center for Social Development Research
The Basic Economic Security Tables for the US Report
Inquiry, Innovation, & Impact: Report To The Community, Center For Social Development
Inquiry, Innovation, & Impact: Report To The Community, Center For Social Development
Center for Social Development Research
Inquiry, Innovation, & Impact: Report to the Community
Lessons From Seed: A National Demonstration Of Child Development Accounts, Michael Sherraden, Julia Stevens, Deborah Adams, Ray Boshara, Margaret Clancy, Reid Cramer, Bob Friedman, Rochelle Howard, Karol Krotki, Ellen Marks, Lisa Mensah, Bryan Rhodes, Carl Rist, Edward Scanlon, Trina Williams Shanks, Michael Sherraden, Julia Stevens, Leigh Tivol, Robert Zager
Lessons From Seed: A National Demonstration Of Child Development Accounts, Michael Sherraden, Julia Stevens, Deborah Adams, Ray Boshara, Margaret Clancy, Reid Cramer, Bob Friedman, Rochelle Howard, Karol Krotki, Ellen Marks, Lisa Mensah, Bryan Rhodes, Carl Rist, Edward Scanlon, Trina Williams Shanks, Michael Sherraden, Julia Stevens, Leigh Tivol, Robert Zager
Center for Social Development Research
Lessons From SEED: A National Demonstration of Child Development Accounts
Earned Income Tax Credit (Eitc) Utilization In Native Communities, Kristen Wagner, Amy Locklear Hertel
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
Savings And Financial Services In Native Communities, Kristen Wagner, Kristen Wagner
Savings And Financial Services In Native Communities, Kristen Wagner, Kristen Wagner
Center for Social Development Research
Savings and Financial Services in Native Communities
Volunteer Income Tax Assistance (Vita) Sites In Native Communities, Kristen Wagner, Amy Locklear Hertel
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