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Asset-Based Policy In Rural China: An Innovation In The Retirement Social Insurance Program, Baorong Guo, Jin Huang, Li Zou, Michael Sherraden Jul 2007

Asset-Based Policy In Rural China: An Innovation In The Retirement Social Insurance Program, Baorong Guo, Jin Huang, Li Zou, Michael Sherraden

Center for Social Development Research

In response to the growing rural-urban inequality, China is undertaking a series of policy initiatives to promote rural development. In addition to redistributive policies aiming at social protection, asset-based policy, which integrates social protection and social investment, is another viable option for progressive rural development. In 1998, the Hutubi local government in the Xinjiang Uygur Autonomous Region of China implemented an innovative retirement program which allows account holders to use accounts as legal collateral to borrow small loans and invest in productive assets such as farming supplies and equipment, education, and small businesses. Using the data gathered by the program …

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Building Children's Assets In Singapore: The Post-Secondary Education Account Policy, Vernon Loke, Michael Sherraden Jul 2007

Building Children's Assets In Singapore: The Post-Secondary Education Account Policy, Vernon Loke, Michael Sherraden

Center for Social Development Research

Building Children's Assets in Singapore: The Post-Secondary Education Account Policy

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Increasing Parent Educational Expectations For Children In Sub-Saharan Africa: The Potential Role Of Assets, Gina Chowa, William Elliott Iii Jul 2007

Increasing Parent Educational Expectations For Children In Sub-Saharan Africa: The Potential Role Of Assets, Gina Chowa, William Elliott Iii

Center for Social Development Research

It is commonly held in the education literature that parent expectations are an important factor in predicting children’s achievement in school. However, little research has been conducted on educational expectations of parents living in developing countries. In this study of Ugandans we examine whether parents save more when they are given access to Asset Development Accounts (ADAs) and financial training than parents receiving financial training but no ADAs, and/or parents with no ADA or financial training. We find that Ugandan parents who receive both an ADA and financial training experience an increase in mean wealth of US$77.4 over a two …

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Global Savings, Assets And Financial Inclusion: Lessons, Challenges, And Directions, Jamie M. Zimmerman, Ray Boshara, Michael Sherraden, Li Zou, Kate Mckee, Leslie Meek-Wohl, Amy Feldman Jul 2007

Global Savings, Assets And Financial Inclusion: Lessons, Challenges, And Directions, Jamie M. Zimmerman, Ray Boshara, Michael Sherraden, Li Zou, Kate Mckee, Leslie Meek-Wohl, Amy Feldman

Center for Social Development Research

Global Savings, Assets and Financial Inclusion: Lessons, Challenges, and Directions

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中国呼图壁养老保险质押贷款项目双重激: 励和双重资产积累 [Dual Incentives And Dual Asset Building: The Hutubi Rural Social Security Loan Program In China], Baorong Guo, Jin Huang, Michael Sherraden, Li Zou Jul 2007

中国呼图壁养老保险质押贷款项目双重激: 励和双重资产积累 [Dual Incentives And Dual Asset Building: The Hutubi Rural Social Security Loan Program In China], Baorong Guo, Jin Huang, Michael Sherraden, Li Zou

Center for Social Development Research

The Hutubi Rural Social Security Loan program is a policy innovation in a rural area of China by loaning savings in social security accounts back to peasants for them to purchase assets for agricultural and other development. In contrast to the nationwide recession in rural social security, this program has shown its success in proliferating rural social security funds and retaining social security participants. With a focus on the administrative data of the loan program, this study aims to provide an in-depth understanding of the loan program and examine how asset building is possible for the poor when institutional incentives …

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The Achievement Gap From A Capabilities And Asset Perspective, William Elliott Iii, Margaret Sherrard Sherraden Jul 2007

The Achievement Gap From A Capabilities And Asset Perspective, William Elliott Iii, Margaret Sherrard Sherraden

Center for Social Development Research

Current explanations for the achievement gap do not fully explain why high-achieving poor and minority children perceive of college as being out of reach. This paper reviews perspectives on the achievement gap and proposes a model that incorporates a capabilities and assets approach. The uneven playing field created by unequal distribution of assets sustains educational advantage and high expectations for college among children from families with assets, while dampening expectations for college among poor and minority children. As a possible avenue to closing the gap, we suggest that increasing poor and minority children’s capability for financing college may increase educational …

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Assets Beyond Saving In Individual Development Accounts, Chang-Keun Han, Michal Grinstein-Weiss, Michael Sherraden Jul 2007

Assets Beyond Saving In Individual Development Accounts, Chang-Keun Han, Michal Grinstein-Weiss, Michael Sherraden

Center for Social Development Research

This study examines whether participation in Individual Development Accounts (IDAs) leads to a significant growth in assets beyond saving in the IDA accounts. Using a longitudinal experimental research design for low-income IDA participants, we test for impacts on five measures of assets: liquid assets, other financial assets, total financial assets, real assets, and total assets. Results show that, while there are no large differences in liquid and financial assets between the treatment group and the control group, IDA participants in the take-up group have more real assets and total assets than members of the control group. Results suggest that additional …

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Attitudes Toward Institutional Features And Savings In Individual Development Accounts: Latent Class Analysis, Chang-Keun Han, Michael Sherraden Jul 2007

Attitudes Toward Institutional Features And Savings In Individual Development Accounts: Latent Class Analysis, Chang-Keun Han, Michael Sherraden

Center for Social Development Research

This exploratory study focuses on classifying attitudes toward institutional features of Individual Development Accounts (IDAs). This study also examines to what extent the attitudes change and how they are associated with savings in IDAs. While attitudes toward IDAs are generally positive, latent class analysis (LCA) found 3 groups, “highly positive," “moderately positive,” and “mixed opinion.” Race is significantly associated with the classification. This study found dynamic changes in attitudes at 18 months and 48 months after the baseline interview. While attitudes became somewhat more positive for 18% of participants, they became more negative for 26%. It was also found that …

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Do Institutions Really Matter For Saving Among Low-Income Households? A Comparative Approach, Chang-Keun Han, Michael Sherraden Jul 2007

Do Institutions Really Matter For Saving Among Low-Income Households? A Comparative Approach, Chang-Keun Han, Michael Sherraden

Center for Social Development Research

This study aims to examine the extent to which competing theories explain saving of low-income households in Individual Development Accounts (IDAs). Competing theories include individual-oriented perspective, social stratification perspective, and institutional saving theory. This study uses American Dream Demonstration (ADD) data collected at the Tulsa IDA program. Compared with the individual perspective and the social stratification perspective, institutional features explain a significant part of the variance in saving outcomes measured by average monthly net deposit (AMND) and deposit frequency ratio (DFR). Findings suggest that an inclusive asset-based policy should be designed with institutional structures encouraging low-income households to save.

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Individual Development Accounts: Frequently Asked Questions, Michal Grinstein-Weiss, Kate Irish Jul 2007

Individual Development Accounts: Frequently Asked Questions, Michal Grinstein-Weiss, Kate Irish

Center for Social Development Research

Individual Development Accounts: Frequently Asked Questions

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College Expectations Among Young Children: The Potential Role Of Savings, William Elliott Iii, Margaret Sherrard Sherraden, Lissa Johnson, Suzanne Johnson, Signe Peterson Jul 2007

College Expectations Among Young Children: The Potential Role Of Savings, William Elliott Iii, Margaret Sherrard Sherraden, Lissa Johnson, Suzanne Johnson, Signe Peterson

Center for Social Development Research

For many young people, especially minority and low-income children, attending college is a genuinely desired but elusive goal. This paper explores young children’s perceptions and expectations about attending college and potential influences on their formation. Conducted as part of a four-year study of a school-based saving for college program, this paper uses qualitative evidence from interviews with 60 children in second grade, and surveys with their parents. Findings suggest most of the young children in the study have a general understanding of college and have begun the process of choosing higher education. Further, the perception that saving is a way …

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Under-Utilized Contributions By International Students: Case Study For Education And Research, Gina Chowa, Kofi Danso, Michael Sherraden Jul 2007

Under-Utilized Contributions By International Students: Case Study For Education And Research, Gina Chowa, Kofi Danso, Michael Sherraden

Center for Social Development Research

International social work education in the United States focuses on globalization and international practicum for American students. a readily available resource, international social work graduate students, is rarely utilized. This article discusses a case study of five African students who engage in a process of realigning their academic knowledge to respond to local social development challenges in their home countries. These processes result in profound innovations that are based on theory, indigenous experience, and culturally competent practice.

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Seed Account Monitoring Research: Participants And Savings Outcomes At June 30, 2007, Lisa Reyes Mason, Margaret Clancy, Vernon Loke, Youngmi Kim, Yunju Nam, Soda Lo Jul 2007

Seed Account Monitoring Research: Participants And Savings Outcomes At June 30, 2007, Lisa Reyes Mason, Margaret Clancy, Vernon Loke, Youngmi Kim, Yunju Nam, Soda Lo

Center for Social Development Research

SEED Account Monitoring Research: Participants and Savings Outcomes at June 30, 2007

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The Balance Sheets Of Low-Income Households: What We Know About Their Assets And Liabilities., Adam Carasso, Signe-Mary Mckernan Jul 2007

The Balance Sheets Of Low-Income Households: What We Know About Their Assets And Liabilities., Adam Carasso, Signe-Mary Mckernan

Center for Social Development Research

The Balance Sheets of Low-Income Households: What We Know About Their Assets and Liabilities.

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The Effects Of Welfare And Ida Program Rules On The Asset Holding Of Low-Income Families, Signe-Mary Mckernan, Caroline Ratcliff, Yunju Nam Jul 2007

The Effects Of Welfare And Ida Program Rules On The Asset Holding Of Low-Income Families, Signe-Mary Mckernan, Caroline Ratcliff, Yunju Nam

Center for Social Development Research

The Effects of Welfare and IDA Program Rules on the Asset Holding of Low-Income Families

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National And International Volunteerism Among Volunteers In The United States, 2005, Benjamin J. Lough, Kimberly A. Spring Jul 2007

National And International Volunteerism Among Volunteers In The United States, 2005, Benjamin J. Lough, Kimberly A. Spring

Center for Social Development Research

National and International Volunteerism Among Volunteers in the United States, 2005

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The Estimated Economic Value Of A Us Volunteer Abroad, Benjamin Lough, Amanda Moore Mcbride, Margaret Sherrard Sherraden Jul 2007

The Estimated Economic Value Of A Us Volunteer Abroad, Benjamin Lough, Amanda Moore Mcbride, Margaret Sherrard Sherraden

Center for Social Development Research

The Estimated Economic Value of a US Volunteer Abroad

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The Elderly In Uruguay: Volunteer Work And Civic Service Actors, Anabel Cruz, Lucia Pérez Jul 2007

The Elderly In Uruguay: Volunteer Work And Civic Service Actors, Anabel Cruz, Lucia Pérez

Center for Social Development Research

The Elderly in Uruguay: Volunteer Work and Civic Service Actors

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Measuring Effectiveness Of Civic Participation At The University Level In Turkey: A Case Study Of The Civic Involvement Project At Sabanci University, Tara Hopkins Jun 2007

Measuring Effectiveness Of Civic Participation At The University Level In Turkey: A Case Study Of The Civic Involvement Project At Sabanci University, Tara Hopkins

Center for Social Development Research

Sabanci University, located in Istanbul, Turkey, launched the Civic Involvement Project (CIP) in 1999 for students at the university level. This study examines the effectiveness of CIP, with the principle goals of measuring participants’ perceptions and identifying the program’s strengths and weaknesses. In addition, this research seeks to better understand how CIP compares to other youth involvement/participation programs. The impact of service-learning on several civic education variables (i.e. social awareness, social networking, political awareness, critical thinking, and personal development) and the effects of characteristics of service-learning experiences on the development of students are also explored.

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Balancing Rosie And June: A Study Of Lynchburg College Postwar Alumnae And The Impact Of The Feminine Mystique, Dinah Watson Mar 2007

Balancing Rosie And June: A Study Of Lynchburg College Postwar Alumnae And The Impact Of The Feminine Mystique, Dinah Watson

Undergraduate Theses and Capstone Projects

In 2003, the movie Mona Lisa Smile debuted describing the frustrations that many college women may have faced in the years after World War II. Wellesley College was the elite all-female institution that openly and proudly prepared its young women with the proper rules of etiquette and correctness. Despite Wellesley’s own excellent academic reputation, its close proximity to the prestigious single-sex male college, Harvard, made it even more appealing and convenient for the Wellesley girls to find a “suitable” husband. The novice young art instructor, Katherine Watson, was unique in that she wanted to offer her students not only a …

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Two Sides Of The Same Coin? The Differing Roles Of Assets And Consumer Debt In Marriage, Jeffrey P. Dew Feb 2007

Two Sides Of The Same Coin? The Differing Roles Of Assets And Consumer Debt In Marriage, Jeffrey P. Dew

Faculty Publications

This study examines whether assets and consumer debts relate to change in marital satisfaction and conflict in opposing ways or in independent ways. It also tests whether these relationships are direct or mediated. Using a nationally representative longitudinal sample, the results indicate that assets and consumer debt influence change in marital outcomes in mostly independent rather than complementary ways. Consistent with prior literature, assets work indirectly by decreasing feelings of economic pressure. Consumer debt, however, directly predicts changes in marital conflict, even after controlling for variables in the family stress model. Debts also act indirectly by decreasing depression once economic …

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The Moderating Effects Of Rituals On Commitment In Premarital Involvements, Kelly Campbell, James J. Ponzetti Jan 2007

The Moderating Effects Of Rituals On Commitment In Premarital Involvements, Kelly Campbell, James J. Ponzetti

Psychology Faculty Publications

This study examined how rituals were associated with commitment, and to what extent rituals moderated the investment model variables (i.e., satisfaction level, investment size, and alternatives) on commitment. Although rituals promote commitment in marital and family relationships, the salience of rituals to commitment in premarital involvements has not been investigated. University students (N=100) who agreed to participate were in a couple relationship but not married. Findings indicated that rituals were significant predictors of commitment; however, no unique variance was accounted for once investment model variables were taken into consideration. Rituals significantly moderated the relationship between alternatives and investments, and commitment. …

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Building Assets From Birth: A Comparison Of The Policies And Proposals On Children Savings Accounts In Singapore, The United Kingdom, Canada, Korea, And The United States, Vernon Loke, Michael Sherraden Jul 2006

Building Assets From Birth: A Comparison Of The Policies And Proposals On Children Savings Accounts In Singapore, The United Kingdom, Canada, Korea, And The United States, Vernon Loke, Michael Sherraden

Center for Social Development Research

Holding assets is increasingly acknowledged as yielding positive effects and enhancing opportunities. In Assets and the Poor, Sherraden proposed that Individual Development Accounts (IDAs) should be opened for every person from birth in order to provide them with the lifetime potential to accumulate assets and to experience the effects of assets from a young age. a few countries have recently implemented or are proposing policies that build assets for every child starting from birth. Among these countries are Singapore, the United Kingdom, Canada, Korea, and the United States. The purposes and strategies adopted by each country are distinctive. This paper …

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Coordinating Individual Development Accounts And The Workforce Investment Act To Increase Access To Postsecondary Education And Training, Mark Greenberg, Nisha Patel Jul 2006

Coordinating Individual Development Accounts And The Workforce Investment Act To Increase Access To Postsecondary Education And Training, Mark Greenberg, Nisha Patel

Center for Social Development Research

Coordinating Individual Development Accounts and the Workforce Investment Act to Increase Access to Postsecondary Education and Training

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Homeownership Across The American Life Course: Estimating The Racial Divide, Thomas A. Hirschl, Mark R. Rank Jul 2006

Homeownership Across The American Life Course: Estimating The Racial Divide, Thomas A. Hirschl, Mark R. Rank

Center for Social Development Research

Homeownership has historically been viewed as a fundamental piece of the American Dream, with up to 70 percent of households owning their home as of 2006. Yet it has also been demonstrated that nonwhites are less likely to own a home and that the value of their homes is much less than that for whites, even when social class is taken into account. This paper explores the overall life course patterns of homeownership and the importance of racial differences in understanding those dynamics. Based upon a life table methodology, we examine the homeownership patterns for individuals between the ages of …

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Wealth Building In Rural America: Potential In Human Diversity, Jami C. Curley, Brian Dabson, Anna Lee, Kathleen K. Miller, Luxman Nathan, Trina R. Shanks, Michael Sherraden Jul 2006

Wealth Building In Rural America: Potential In Human Diversity, Jami C. Curley, Brian Dabson, Anna Lee, Kathleen K. Miller, Luxman Nathan, Trina R. Shanks, Michael Sherraden

Center for Social Development Research

Wealth Building in Rural America: Potential in Human Diversity

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Wealth Building In Rural America: Perspective, Knowledge, Outlook, Jami C. Curley, Brian Dabson, Elisabeth Howard, E. G. Nadeau, Michael Sherraden Jul 2006

Wealth Building In Rural America: Perspective, Knowledge, Outlook, Jami C. Curley, Brian Dabson, Elisabeth Howard, E. G. Nadeau, Michael Sherraden

Center for Social Development Research

Wealth Building in Rural America: Perspective, Knowledge, Outlook

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Account Monitoring Report At December 31, 2005, Lisa Reyes Mason, Vernon Loke, Margaret Clancy Jul 2006

Account Monitoring Report At December 31, 2005, Lisa Reyes Mason, Vernon Loke, Margaret Clancy

Center for Social Development Research

Account Monitoring Report at December 31, 2005

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Academic Capabilities And Disadvantaged Students: The Role Of Institutions, William Elliott Iii, Margaret Sherrard Sherraden Jul 2006

Academic Capabilities And Disadvantaged Students: The Role Of Institutions, William Elliott Iii, Margaret Sherrard Sherraden

Center for Social Development Research

Notwithstanding the far reaching intellectual and practical contributions of Bandura’s theory of self-efficacy, researchers have suggested that it may not adequately address the role of institutions. This paper suggests that traditional measures of self-efficacy underemphasize institutional factors. This may have important implications, especially for considering the circumstances of disadvantaged groups. It may be productive to think of self-efficacy as a multidimensional construct that includes personal and institutional dimensions. Using an interdisciplinary approach, we examine how self-efficacy theory can be expanded to account for the social and economic realities of disadvantaged groups and lead to empirical work that can inform policy …

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From Financial Literacy To Financial Capability Among Youth, Elizabeth Johnson, Margaret S. Sherraden Jul 2006

From Financial Literacy To Financial Capability Among Youth, Elizabeth Johnson, Margaret S. Sherraden

Center for Social Development Research

Youth in the United States are facing an increasingly complex and perilous financial world. Economically disadvantaged youth, in particular, lack financial knowledge and access to mainstream financial institutions. Despite growing interest in youth financial literacy, we have not seen comparable efforts to improve institutional access to financial institutions and services. Instead of aiming for financial literacy, we suggest aiming for financial capability, a concept that builds on the writing of Amartya Sen and Martha Nussbaum. The paper proposes that financial capability results when individuals develop financial knowledge and skills, but also gain access to financial instruments and institutions. The paper …

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