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Cost-Effectiveness In Individual Development Accounts, Mark Schreiner, Guat Tin Ng, Michael Sherraden Jul 2004

Cost-Effectiveness In Individual Development Accounts, Mark Schreiner, Guat Tin Ng, Michael Sherraden

Center for Social Development Research

Because resources are limited, the benefits and costs of social-work interventions—like all interventions—must be compared with the benefits and costs of alternatives. Evidence-basedpractice should ask not only “What works?” but also “How well does it work?” and “What does it cost?” Unfortunately, evaluations of social-work practice—like evaluations in any field—rarely can measure all the relevant variables. In particular, benefits are extremely difficult to measure. Costs are simpler to measure, but even so, few evaluations measure costs. In the end, all evaluations are inevitably incomplete and so must make subjective judgments aboutunmeasured factors. The key to evaluation, then, is not certainty …


Evaluation Of The American Dream Demonstration: Final Evaluation Report, Gregory Mills, Rhiannon Patterson, Larry Orr, Donna Demarco Jul 2004

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


Overcoming Poverty: Supported Saving As A Household Development Strategy, Margaret S. Sherraden, Trina Williams, Amanda Moore Mcbride, Fred Ssewamala Jul 2004

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.


Racial Differences In Performance In A Matched Savings Program, Michal Grinstein-Weiss, Michael Sherraden Jul 2004

Racial Differences In Performance In A Matched Savings Program, Michal Grinstein-Weiss, Michael Sherraden

Center for Social Development Research

This study examines the saving performance of low income African Americans and Caucasian participants in an Individual Development Accounts (IDA) program. IDAs are matched saving for home ownership, education, and small business capitalization. Using data from the American Dream Demonstration (N = 2,364), this study compares the savings performance of Black and White participants in IDAs. The results indicate that low-income African Americans on average save successfully in IDAs, though in smaller amounts than Caucasians. Results of separateregressions for Blacks and Whites indicate that mostly individual characteristics are associatedwith saving performance among Caucasians. In contrast, mostly institutional characteristics areassociated with …


Saving For Post-Secondary Education In Individual Development Accounts, Min Zhan, Mark Schreiner Jul 2004

Saving For Post-Secondary Education In Individual Development Accounts, Min Zhan, Mark Schreiner

Center for Social Development Research

Low-income people have less access to opportunities for post-secondary education, and the welfare reform in 1996 further limited access for welfare recipients. Since welfare reform, there has been an increasing interest in strategiesmeant to enhance the well-being of low-incomepeople through education and the development of human capital. In this study, we examine how low-income people saved for post-secondary education in Individual Development Accounts (IDAs) in a nationwide demonstration. IDAs are structured accounts that provide matches for savings used for home purchase, microenterprise, retirement savings, and post-secondary education. We examine how savings outcomes differed between participants who intended to use their …


What States Can Do To Remove Penalties For Saving, Center For Social Development, Corporation For Enterprise Development Jul 2004

What States Can Do To Remove Penalties For Saving, Center For Social Development, Corporation For Enterprise Development

Center for Social Development Research

What States Can Do to Remove Penalties for Saving


Youth Volunteerism And Civic Service In Latin America And The Caribbean: A Potential Strategy For Social And Economic Development, Lissa Johnson, Carlos Benítez, Amanda Moore Mcbride, René Olate Jul 2004

Youth Volunteerism And Civic Service In Latin America And The Caribbean: A Potential Strategy For Social And Economic Development, Lissa Johnson, Carlos Benítez, Amanda Moore Mcbride, René Olate

Center for Social Development Research

Youth Volunteerism and Civic Service in Latin America and the Caribbean: A Potential Strategy for Social and Economic Development


Asset Building: Increasing Capacity For Performance Measurement And Effects+B200, Amanda Moore Mcbride, Stacie Lintvedt Hanson, Sondra Beverly, Mark Schreiner, Michael Sherraden, Lissa Johnson Jul 2004

Asset Building: Increasing Capacity For Performance Measurement And Effects+B200, Amanda Moore Mcbride, Stacie Lintvedt Hanson, Sondra Beverly, Mark Schreiner, Michael Sherraden, Lissa Johnson

Center for Social Development Research

Asset Building: Increasing Capacity for Performance Measurement and Effects


Civic Engagement Among Low-Income And Low-Wealth Families: In Their Words, Amanda Moore Mcbride, Margaret S. Sherraden, Suzanne Pritzer Jul 2004

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.


The Voluntary Cultural Year In Germany: Perceptions Of Volunteers, Institutions, Politicians, And Society, Gesa Birnkraut, Ines E. Hein, Frederick Loock Jul 2004

The Voluntary Cultural Year In Germany: Perceptions Of Volunteers, Institutions, Politicians, And Society, Gesa Birnkraut, Ines E. Hein, Frederick Loock

Center for Social Development Research

The Voluntary Cultural Year in Germany: Perceptions of Volunteers, Institutions, Politicians, and Society


Organizing For Economic Empowerment Of Battered Women: Women's Savings Accounts, Cynthia K. Sanders, Meg Schnabel Jul 2004

Organizing For Economic Empowerment Of Battered Women: Women's Savings Accounts, Cynthia K. Sanders, Meg Schnabel

Center for Social Development Research

When describing reasons for remaining with or returning to an abusive partner, many women mention economic dependence on their abuser. Few battered women, especially those who are poor,have the economic resources necessary to live independently. Additionally, battered women are commonly isolated from financial resources lacking ready access to cash, checking accounts, or charge accounts. Creating strategies that address financial well-being is essential to addressing the issue ofdomestic violence. This article discusses a collaboration among domestic violence service providers in the St. Louis, Missouri region created to promote the economic development of low-income batteredwomen. The collaboration has culminated in formalized economic …


Saving Performance In Individual Development Accounts: Does Marital Status Matter?, Michal Grinstein-Weiss, Min Zhan, Michael Sherraden Jul 2004

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 …


Voluntariado Juvenil Y Servicio Cívico En América Latina Y El Caribe: Una Posible Estrategia De Desarrollo Económico Y Social [Youth Volunteerism And Civic Service In Latin America And The Caribbean: A Potential Strategy For Social And Economic Development], Lissa Johnson, Carlos Benítez, Amanda Moore Mcbride, René Olate Jul 2004

Voluntariado Juvenil Y Servicio Cívico En América Latina Y El Caribe: Una Posible Estrategia De Desarrollo Económico Y Social [Youth Volunteerism And Civic Service In Latin America And The Caribbean: A Potential Strategy For Social And Economic Development], Lissa Johnson, Carlos Benítez, Amanda Moore Mcbride, René Olate

Center for Social Development Research

Voluntariado Juvenil Y Servicio Cívico en América Latina y el Caribe: Una Posible Estrategia de Desarrollo Económico y Social [Youth volunteerism and civic service in Latin America and the Caribbean: A potential strategy for social and economic development]


State Ida Policy Brief: Promoting Asset Building Through The Earned Income Tax Credit, Center For Social Development, Corporation For Enterprise Development Jul 2004

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


Youth Service: A Comprehensive Perspective, Amanda Moore Mcbride, Suzanne Pritzker, Dolly Daftary, Fengyan Tang Jul 2004

Youth Service: A Comprehensive Perspective, Amanda Moore Mcbride, Suzanne Pritzker, Dolly Daftary, Fengyan Tang

Center for Social Development Research

When youth are involved in their communities, they typically do so through institutional structures. We construe youth service as a type of long-term, intensive volunteerism or civic service, which takes a range of institutional forms including service-learning, national service, and international service. We define these forms as having common operational features, and summarize what is known about them and their effects on youth and the individuals and communities with whom the youth are engaged. We identify directions for future research,including issues of server inclusion and impacts on the served.


Youth Service And Elder Service In Comparative Perspective, Nancy Morrow-Howell, Fengyan Tang Jul 2004

Youth Service And Elder Service In Comparative Perspective, Nancy Morrow-Howell, Fengyan Tang

Center for Social Development Research

Youth Service and Elder Service in Comparative Perspective


Family Saving And Community Assets: Designing And Implementing Family-Centered, Place-Based Individual Development Account Programs, Stephanie C. Boddie, Michael Sherraden, Lorlene Hoyt, Prema Thirupathy, Trina Shanks, Solana Rice, Margaret Sherraden Jul 2004

Family Saving And Community Assets: Designing And Implementing Family-Centered, Place-Based Individual Development Account Programs, Stephanie C. Boddie, Michael Sherraden, Lorlene Hoyt, Prema Thirupathy, Trina Shanks, Solana Rice, Margaret Sherraden

Center for Social Development Research

Family Saving and Community Assets: Designing and Implementing Family-Centered, Place-Based Individual Development Account Programs


Integrating Savings Into Microenterprise Programs For The Poor: Do Institutions Matter?, Fred M. Ssewamala, Michael Sherraden Jul 2004

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 …


Saving For Microenterprise In Individual Development Accounts: Lessons From The American Dream Demonstration, Fred M. Ssewamala, Michael Sherraden Jul 2004

Saving For Microenterprise In Individual Development Accounts: Lessons From The American Dream Demonstration, Fred M. Ssewamala, Michael Sherraden

Center for Social Development Research

Saving for Microenterprise in Individual Development Accounts: Lessons From the American Dream Demonstration


State Policy Trends For Individual Development Accounts In The United States: 1993–2003, Karen Edwards, Lisa Marie Mason Jul 2003

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 Potential For Inclusion In 529 Savings Plans: Report On A Survey Of States, Margaret Clancy, Michael Sherraden Jul 2003

The Potential For Inclusion In 529 Savings Plans: Report On A Survey Of States, Margaret Clancy, Michael Sherraden

Center for Social Development Research

The Potential for Inclusion in 529 Savings Plans: Report on a Survey of States


The Struggle To Make Ends Meet: Teen Employment And The 1996 Federal Welfare Legislation, Shirley L. Porterfield, Anne E. Winkler Jul 2003

The Struggle To Make Ends Meet: Teen Employment And The 1996 Federal Welfare Legislation, Shirley L. Porterfield, Anne E. Winkler

Center for Social Development Research

This study investigates the possibility that teens in more economically-disadvantaged families may have entered the labor market in response to the 1996 welfare legislation that replaced AFDC with TANF. Data are from the outgoing rotation groups of the Current Population Survey (CPS) from September 1995-May 1996 (pre-TANF) and from September 2000-May 2001 (post-TANF). To identify the policy's effect, we compare changes in the employment of teens in economically-disadvantaged families over the study period with changes in the employment of their more advantaged counterparts (a "difference-in-difference" methodology). We find that teen employment significantly increased among those in economically-disadvantaged families relative to …


Using Tax Refunds To Promote Asset Building In Low-Income Households: Program And Policy Options, Sondra G. Beverly, Colleen Dailey Jul 2003

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


Fostering Social Development Through Civic And Political Engagement: How Confidence In Institutions And Agency Matter, Gautam N. Yadama, Natasha Menon Jul 2003

Fostering Social Development Through Civic And Political Engagement: How Confidence In Institutions And Agency Matter, Gautam N. Yadama, Natasha Menon

Center for Social Development Research

Traditional approaches in social development have neglected the role of politics, civic engagement, and processes of democratization. This paper empirically tests the extent to which civic engagement and political action are shaped by confidence in state and non-state institutions and political and personal agency. The results underscore the importance of enabling social development through inclusive governance and democratization.


The Knowledge Base On Civic Service: Status And Directions, Amanda Moore Mcbride, Margaret Lombe, Fengyan Tang, Michael Sherraden, Carlos Benitez Jul 2003

The Knowledge Base On Civic Service: Status And Directions, Amanda Moore Mcbride, Margaret Lombe, Fengyan Tang, Michael Sherraden, Carlos Benitez

Center for Social Development Research

The Knowledge Base on Civic Service: Status and Directions


A Comparative Analysis Of Rural And Urban Saving Performance In Individual Development Accounts, Jami Curley, Michal Grinstein-Weiss Jul 2003

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.


American Indian Tribal Communities And Individual Development Account (Ida) Policy, Juliet King, Sarah Hicks, Karen Edwards, Alisa Larson Jul 2003

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


Linking Tax Refunds And Low-Cost Bank Accounts: A Social Development Strategy For Low-Income Families?, Sondra G. Beverly, Jennifer L. Romich, Jennifer Tescher Jul 2003

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.


North American Community Service Pilot Project, Margaret S. Sherraden, Carlos Benítez Jul 2003

North American Community Service Pilot Project, Margaret S. Sherraden, Carlos Benítez

Center for Social Development Research

North American Community Service Pilot Project


Civic Service Worldwide: Social Development Goals And Partnerships, Amanda Moore Mcbride, Carlos Benítez, Kwofie Danso Jul 2003

Civic Service Worldwide: Social Development Goals And Partnerships, Amanda Moore Mcbride, Carlos Benítez, Kwofie Danso

Center for Social Development Research

Civic service is a long-term, intensive form of volunteering. This article reports on a global assessment of civic service, which identified 210 programs in 57 countries. Program goals and administrative partnerships suggest that civic service is a social development intervention. For civic service to achieve its potential, research is recommended regarding server inclusivity, goal accomplishment, and the nature and effect of partnerships.