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Full-Text Articles in Social Work
Overcoming Poverty: Supported Saving As A Household Development Strategy, Margaret S. Sherraden, Trina Williams, Amanda Moore Mcbride, Fred Ssewamala
Overcoming Poverty: Supported Saving As A Household Development Strategy, Margaret S. Sherraden, Trina Williams, Amanda Moore Mcbride, Fred Ssewamala
Center for Social Development Research
Low-income participants experience greater positive financial, psychological, and cognitive outcomes of saving in IDAs than controls. The study contributes to knowledge about poverty alleviation, capacity-building, and empowerment.
Evaluation Of The American Dream Demonstration: Final Evaluation Report, Gregory Mills, Rhiannon Patterson, Larry Orr, Donna Demarco
Evaluation Of The American Dream Demonstration: Final Evaluation Report, Gregory Mills, Rhiannon Patterson, Larry Orr, Donna Demarco
Center for Social Development Research
Evaluation of the American Dream Demonstration: Final Evaluation Report
Integrating Savings Into Microenterprise Programs For The Poor: Do Institutions Matter?, Fred M. Ssewamala, Michael Sherraden
Integrating Savings Into Microenterprise Programs For The Poor: Do Institutions Matter?, Fred M. Ssewamala, Michael Sherraden
Center for Social Development Research
Numerous theoretical frameworks have been used to explain factors that influence outcomes of poor families engaged in self-employment. Theories related to human capital, social capital, andfinancial assets have guided most studies. Using data from fourteen institutions promoting self-employment among the poor, and drawing on the institutional theory, this study finds that theories related to individual influences do not adequately explain all the phenomenon.Controlling for a wide range of individual characteristics, there is a statistically significant association between institutional influences and participants’ outcomes. Policy makers shouldconsider a range of institutional characteristics when designing policies and programs aimed atpromoting self-employment among poor …
State Ida Policy Brief: Promoting Asset Building Through The Earned Income Tax Credit, Center For Social Development, Corporation For Enterprise Development
State Ida Policy Brief: Promoting Asset Building Through The Earned Income Tax Credit, Center For Social Development, Corporation For Enterprise Development
Center for Social Development Research
State IDA Policy Brief: Promoting Asset Building Through the Earned Income Tax Credit
Saving Performance In Individual Development Accounts: Does Marital Status Matter?, Michal Grinstein-Weiss, Min Zhan, Michael Sherraden
Saving Performance In Individual Development Accounts: Does Marital Status Matter?, Michal Grinstein-Weiss, Min Zhan, Michael Sherraden
Center for Social Development Research
Research indicates that marriage has a large effect on reducing the risk of poverty and is associated with a higher probability of attaining affluence over the life course when comparedwith nonmarriage. Using data from the American Dream Demonstration (N = 2,364), this studycompares savings performances of married and unmarried low income participants in a matched savings program – Individual Development Accounts (IDAs). The results indicate that both married and unmarried low income participants can save in IDA programs; however, unmarried participants are saving less than married participants. We further examine possible factors that are associated with savings performance for these …
American Indian Tribal Communities And Individual Development Account (Ida) Policy, Juliet King, Sarah Hicks, Karen Edwards, Alisa Larson
American Indian Tribal Communities And Individual Development Account (Ida) Policy, Juliet King, Sarah Hicks, Karen Edwards, Alisa Larson
Center for Social Development Research
American Indian Tribal Communities and Individual Development Account (IDA) Policy
Individual Development Accounts In Rural Communities: Implications For Research, Michal Grinstein-Weiss, Jami Curley
Individual Development Accounts In Rural Communities: Implications For Research, Michal Grinstein-Weiss, Jami Curley
Center for Social Development Research
Individual Development Accounts in Rural Communities: Implications for Research
Tax Credits And Ida Programs, Gena S. Gunn, Anupama Jacob, Melinda Lewis
Tax Credits And Ida Programs, Gena S. Gunn, Anupama Jacob, Melinda Lewis
Center for Social Development Research
Tax Credits and IDA Programs
Michigan Ida Partnership: Year 2 Program Evaluation Report, Jan L. Losby, Maria L. Hein, Jill R. Robinson
Michigan Ida Partnership: Year 2 Program Evaluation Report, Jan L. Losby, Maria L. Hein, Jill R. Robinson
Center for Social Development Research
Michigan IDA Partnership: Year 2 Program Evaluation Report
A Comparative Analysis Of Rural And Urban Saving Performance In Individual Development Accounts, Jami Curley, Michal Grinstein-Weiss
A Comparative Analysis Of Rural And Urban Saving Performance In Individual Development Accounts, Jami Curley, Michal Grinstein-Weiss
Center for Social Development Research
The purpose of this study was to examine the predictors of savings outcomes for rural and urban participants in IDA programs. Multivariate analyses by residency were used to explore the experiences of rural and urban participants. a short survey among rural IDA administrators in ADD was used to identify the challenges associated with managing IDAs in these regions. Finally, conclusions and policy implications are presented.
Recommendations From The Field: Individual Development Accounts As Part Of A Universal Asset-Building System, Robert O. Zdenek, Beverly Stein
Recommendations From The Field: Individual Development Accounts As Part Of A Universal Asset-Building System, Robert O. Zdenek, Beverly Stein
Center for Social Development Research
Recommendations From the Field: Individual Development Accounts as Part of a Universal Asset-Building System
State Policy Trends For Individual Development Accounts In The United States: 1993–2003, Karen Edwards, Lisa Marie Mason
State Policy Trends For Individual Development Accounts In The United States: 1993–2003, Karen Edwards, Lisa Marie Mason
Center for Social Development Research
State Policy Trends for Individual Development Accounts in the United States: 1993–2003
The Effects Of Individual Development Account Programs: Perceptions Of Participants, Amanda Moore Mcbride, Margaret Lombe, Sondra G. Beverly
The Effects Of Individual Development Account Programs: Perceptions Of Participants, Amanda Moore Mcbride, Margaret Lombe, Sondra G. Beverly
Center for Social Development Research
In the United States, Individual Development Accounts (IDAs) are a social development strategy for increasing economic participation and long-term economic security. This article uses cross-sectional survey data (N=298) to describe perceived IDA effects: psychological, economic, social, and civic. Future research can inform the effects of specific program characteristics, such as financial education, as well as the applicability of IDAs worldwide.
The Decision Of African American Students To Complete High School: An Application Of The Theory Of Planned Behavior, Larry Davis, Icek Ajzen, Jeanne Saunders, Trina Williams
The Decision Of African American Students To Complete High School: An Application Of The Theory Of Planned Behavior, Larry Davis, Icek Ajzen, Jeanne Saunders, Trina Williams
Center for Social Development Research
A longitudinal study explored high-school completion among African Americans. Male and female high-school students aged 14 to 17 (N=166) completed a questionnaire based on the theory of planned behavior (Ajzen, 1991) early in their second year. Intentions to complete the year were accurately predicted from attitudes, subjective norms, and perceived behavioral control (R=0.71; p
Drop-Out From Individual Development Accounts: Prediction And Prevention, Mark Schreiner, Michael Sherraden
Drop-Out From Individual Development Accounts: Prediction And Prevention, Mark Schreiner, Michael Sherraden
Center for Social Development Research
Individual Development Accounts (IDAs) are a new policy instrument designed to help the poor save and accumulate assets. IDAs provide matches for savings used for home purchase, post-secondary education, or microenterprise. IDAs cannot help participants, however, if they drop out. What determines drop-out, and what can be done to help participants to stay in? Three findings emerge from an analysis of IDAs in the American Dream Demonstration. First, drop-out depends more on transaction costs and previous debt than on income. Second, program design --and match rates in particular--affect drop-out risk. Third, drop-out can be predicted with some accuracy, so IDA …
Crossing Divides: New Common Ground On Poverty And Economic Security, Tammy Draut, David Callahan, Corinna Hawkes
Crossing Divides: New Common Ground On Poverty And Economic Security, Tammy Draut, David Callahan, Corinna Hawkes
Center for Social Development Research
Crossing Divides: New Common Ground on Poverty and Economic Security
Saving Performance In The American Dream Demonstration: A National Demonstration Of Individual Development Accounts, Mark Schreiner, Margaret Clancy, Michael Sherraden
Saving Performance In The American Dream Demonstration: A National Demonstration Of Individual Development Accounts, Mark Schreiner, Margaret Clancy, Michael Sherraden
Center for Social Development Research
Saving Performance in the American Dream Demonstration: A National Demonstration of Individual Development Accounts
The United Way Of Greater St. Louis Individual Development Account Pilot Program, Margaret Clancy, Mark Schreiner, Mark Sherraden
The United Way Of Greater St. Louis Individual Development Account Pilot Program, Margaret Clancy, Mark Schreiner, Mark Sherraden
Center for Social Development Research
The United Way of Greater St. Louis Individual Development Account Pilot Program
Financial Education And Savings Outcomes In Individual Development Accounts, Margaret Clancy, Michal Grinstein-Weiss, Mark Schreiner
Financial Education And Savings Outcomes In Individual Development Accounts, Margaret Clancy, Michal Grinstein-Weiss, Mark Schreiner
Center for Social Development Research
This study is the first quantitative look at the effects of financial education on savings outcomes for the poor in Individual Development Accounts. The findings suggest that financial education has sizeable effects, and that courses need not be long to take advantage of them. Marketing and public-policy implications are noted.
Saving, Ida Programs, And Effects Of Idas: A Survey Of Participants, Amanda Moore, Sondra Beverly, Mark Schreiner, Michael Sherraden, Margaret Lombe, Esther Y. N. Cho, Lissa Johnson, Rebecca Vonderlack
Saving, Ida Programs, And Effects Of Idas: A Survey Of Participants, Amanda Moore, Sondra Beverly, Mark Schreiner, Michael Sherraden, Margaret Lombe, Esther Y. N. Cho, Lissa Johnson, Rebecca Vonderlack
Center for Social Development Research
Saving, IDA Programs, and Effects of IDAs: A Survey of Participants
Advancing Community Development And Public Policy Through An Mis-Enhanced Network, Elizabeth Johnson, James Hinterlong, Michael Sherraden, Amanda Moore
Advancing Community Development And Public Policy Through An Mis-Enhanced Network, Elizabeth Johnson, James Hinterlong, Michael Sherraden, Amanda Moore
Center for Social Development Research
Effective community development requires the establishment of links among multiple organizations and institutions. How well the network functions depend on the specificity and accuracy of the information exchanged. In this paper, we illustrate how the introduction of a management information system (MIS) to a network of economic development programs across the United States meets the diverse information needs of the multiple members and standardizes their communication. We discuss how the MIS, as a tool for community development, supports the collection and flow of information among network members, leading to expansion of the network. The success of this MIS-enhanced network is …
Family Assets For Independence In Minnesota, Michal Grinstein-Weiss, Mark Schreiner, Margaret Clancy, Michael Sherraden
Family Assets For Independence In Minnesota, Michal Grinstein-Weiss, Mark Schreiner, Margaret Clancy, Michael Sherraden
Center for Social Development Research
Family Assets for Independence in Minnesota
Savings And Asset Accumulation In Individual Development Accounts, Mark Schreiner, Michael Sherraden, Margaret Clancy, Lissa Johnson, Jami Curley, Michal Grinstein-Weiss, Min Zhan, Sondra Beverly
Savings And Asset Accumulation In Individual Development Accounts, Mark Schreiner, Michael Sherraden, Margaret Clancy, Lissa Johnson, Jami Curley, Michal Grinstein-Weiss, Min Zhan, Sondra Beverly
Center for Social Development Research
Savings and Asset Accumulation in Individual Development Accounts
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
Saving Patterns In Ida Programs, Michael Sherraden, Lissa Johnson, Margaret Clancy, Sondra Beverly, Mark Schreiner, Min Zhan, Jami Curley
Saving Patterns In Ida Programs, Michael Sherraden, Lissa Johnson, Margaret Clancy, Sondra Beverly, Mark Schreiner, Min Zhan, Jami Curley
Center for Social Development Research
Saving Patterns in IDA Programs
Downpayments On The American Dream Policy Demonstration, Michael Sherraden, Deborah Page-Adams, Lissa Johnson, Edward Scanlon, Jamie Curley, Min Zhan, Alfreda Bady, James Hinterlong
Downpayments On The American Dream Policy Demonstration, Michael Sherraden, Deborah Page-Adams, Lissa Johnson, Edward Scanlon, Jamie Curley, Min Zhan, Alfreda Bady, James Hinterlong
Center for Social Development Research
This report presents findings from the first annual evaluation of the American Dream Demonstration, a multiyear, nationwide test of Individual Development Accounts. Covering the period from the demonstration’s start-up through June 30, 1998, the report details insights from an implementation assessment and from preliminary analyses of monitoring data.
Effects Of Assets On Attitudes And Behaviors: Advance Test Of A Social Policy Proposal, Gautam N. Yadama, Michael Sherraden
Effects Of Assets On Attitudes And Behaviors: Advance Test Of A Social Policy Proposal, Gautam N. Yadama, Michael Sherraden
Center for Social Development Research
Raising asset limits and creating individual development accounts have been proposed in welfare reform. In part the rationale for these proposals is that assets have positive effects on attitudes and behaviors, including long-term planning, greater work effort, and improved social connectedness. The Panel Study of Income Dynamics (PSID), between 1968 and 1972, included a wide range of attitude and behavioral measures. In this study, data from the PSID are analyzed to test for the following: a) the effect of assets on attitudes and behaviors; b) the effect of attitudes and behaviors on assets; c) the effect of income on attitudes …