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Full-Text Articles in Social Work
Assets And Child Well-Being In Developed Countries, Trina Williams Shanks, Youngmi Kim, Vernon Loke, Mesmin Destin
Assets And Child Well-Being In Developed Countries, Trina Williams Shanks, Youngmi Kim, Vernon Loke, Mesmin Destin
Center for Social Development Research
Although there is no universal approach to offering Child Development Accounts (CDAs), this paper introduces a framework for an age-based conceptual model that describes how such accounts might influence indicators of child wellbeing. With a focus on optimal age-appropriate development beginning at birth and ranging through young adulthood, the model incorporates research from multiple disciplines to include direct effects, indirect effects and critical milestones. We review empirical evidence from national datasets (primarily from the United States, but including research from other developed countries) to provide a context for this framework. This conceptual and empirical backdrop provides a starting point from …
Tribal Innovations In Children's Accounts, Miriam Jorgensen, Peter Morris
Tribal Innovations In Children's Accounts, Miriam Jorgensen, Peter Morris
Center for Social Development Research
An important frontier in savings policy and research is the effectiveness of accounts at birth. This paper presents ideas and initial findings from the experience of American Indian nations—America’s first asset-builders—with such policies. It describes the motivations for creating “minors’ accounts,” which are offered by approximately 70 tribes. These tribes are the only jurisdictions in the nation to offer universal, unrestricted accounts for children. Increasingly, they also are using conditions and incentives to promote their policy goals. Their experiences and ideas offer important insights for mainstream policy makers and program managers (in the US and elsewhere) about how to design …
Young Children's Perceptions Of College And Saving: Potential Role Of Child Development Accounts, William Elliott Iii, Margaret Sherrard Sherraden, Lissa Johnson, Baorong Guo
Young Children's Perceptions Of College And Saving: Potential Role Of Child Development Accounts, William Elliott Iii, Margaret Sherrard Sherraden, Lissa Johnson, Baorong Guo
Center for Social Development Research
This paper explores young children's perceptions and expectations about attending college, and the potential influence of a savings program on shaping children's perceptions about paying for college. As part of a four-year study of a school-based college savings program called “I Can Save”, this paper uses qualitative evidence from interviews conducted in second and fourth grades with a diverse group of 51 children. Findings suggest that most of the children in the study have a general understanding of college and have begun a process of considering higher education. Further, children in “I Can Save” are more likely than a comparison …
Overview Of Child Development Accounts In Developing Countries, Jeff Meyer, Rainier D. Masa, Jamie M. Zimmerman
Overview Of Child Development Accounts In Developing Countries, Jeff Meyer, Rainier D. Masa, Jamie M. Zimmerman
Center for Social Development Research
Child Development Accounts (CDAs) as a matter of policy have existed for some time, though predominantly in developed countries. While there are at least a few government social programs with CDA components in the developing world, such policies have yet to gain significant traction. This paper finds that despite this lack of policy movement, CDAs do exist in developing countries in a variety of forms and delivered by a diverse group of institutions. Government-linked institutions (such as savings and post banks); non-governmental institutions (such as credit unions and NGOs); and commercial financial institutions are all innovating in CDA design and …
The Human Capital Agenda: Asset Holding And Educational Attainment Among African-American Youth, William Elliott, Kevin Kim, Hyunzee Jung, Min Zhan
The Human Capital Agenda: Asset Holding And Educational Attainment Among African-American Youth, William Elliott, Kevin Kim, Hyunzee Jung, Min Zhan
Center for Social Development Research
This study extends previous analyses in several ways. First, in addition to parental wealth, the relationship between children’s wealth and math and reading scores are examined. Second, we examine different mediating pathways that wealth may affect children’s math and reading scores in a single path analysis model. The advantage of path analysis over traditional regression analyses, which are typically used in this area, is that researchers can get a glimpse of relationships among variables. While the focus of regression analysis is on the associations of predictors with outcome variables, path analysis provides a larger picture of the overall structure of …
Child Development Accounts And Saving For Children's Future: Do Financial Incentives Matter?, Lisa Reyes Mason, Yunju Nam, Margaret Clancy, Youngmi Kim, Vernon Loke
Child Development Accounts And Saving For Children's Future: Do Financial Incentives Matter?, Lisa Reyes Mason, Yunju Nam, Margaret Clancy, Youngmi Kim, Vernon Loke
Center for Social Development Research
This study examines savings outcomes in the first large-scale demonstration of Child Development Accounts (CDAs) in the United States—the Saving for Education, Entrepreneurship, and Downpayment (SEED) initiative. It is also the first empirical study, to our knowledge, to investigate associations between savings outcomes and incentives in an asset-building program for children. This study enhances knowledge about saving in CDAs, incentives in public policy in general, and incentives in savings policy in particular. Results can inform CDA policy design.
City And Community Innovations In Cdas: The Role Of Community-Based Organizations, Carl Rist, Liana Humphrey
City And Community Innovations In Cdas: The Role Of Community-Based Organizations, Carl Rist, Liana Humphrey
Center for Social Development Research
In the SEED Initiative, twelve community-based organizations (CBOs) across the United States and its territories were chosen to offer CDAs, establish best practices in delivering CDAs and demonstrate “proof of concept.” Since the inception of the SEED Initiative, a second wave of CDA programs has emerged at the local level. The purpose of this paper is to analyze these community and city-wide CDA innovations in the U.S. and to examine the role that CBOs play in these innovations. First, this paper explores the theory behind CBO engagement in asset-building and the roles CBOs typically play at the local level. Second, …
Assets And Child Well-Being In Developing Countries: A Research Review, Gina A. N. Chowa, David Ansong, Rainier Masa
Assets And Child Well-Being In Developing Countries: A Research Review, Gina A. N. Chowa, David Ansong, Rainier Masa
Center for Social Development Research
The impact of assets on child well-being in developing countries has received considerable attention in the last decade. Increased recognition of the critical role played by assets in enhancing children’s well-being has spurred efforts to study the relationship between assets and a range of outcomes for children. This chapter reviews current studies (i.e., conducted within the past 10 years) that explore the relationship of asset ownership and a range of outcomes. The studies we have included in this review illustrate the impact that assets can have on children’s outcomes in the area of health, education, and child labor. Overall, the …
Youth And Savings In Assetsafrica, Gina A. N. Chowa, David Ansong
Youth And Savings In Assetsafrica, Gina A. N. Chowa, David Ansong
Center for Social Development Research
As youth transition to adulthood, their ability to save and accumulate assets becomes very important as they begin to accept financial responsibilities and plan for the future. In this paper, we investigated the effects of an asset building intervention on youth asset accumulation in Masindi, a rural area in Uganda. Two waves of data were collected on youth, between 15 and 35 years of age, for both the treatment and comparison groups. We used a Propensity Score Matching (PSM) technique and Difference-in-Difference model to estimate the effects of the asset building intervention. We find that the mean difference in financial …