Digital Commons Network^™

Saving In Ida Programs, Michael Sherraden

Center for Social Development Research

Saving in IDA Programs

Service Learning And Older Adults, Melinda Carden

Center for Social Development Research

Service Learning and Older Adults

Toward A Universal And Progressive Asset-Based Domestic Policy, Michael Sherraden

Center for Social Development Research

Toward a Universal and Progressive Asset-Based Domestic Policy

The Impact Of Microenterprise Assistance Programs: A Comparative Study Of Program Participants, Non-Participants And Other Low Wage Workers, Cynthia Sanders

Center for Social Development Research

The Impact of Microenterprise Assistance Programs: A Comparative Study of Program Participants, Non-Participants and Other Low Wage Workers

Service And The Human Enterprise, Michael Sherraden

Center for Social Development Research

Service and the Human Enterprise

Developing Transnational Social Policy: A North American Community Service Program, Margaret S. Sherraden

Center for Social Development Research

Developing Transnational Social Policy: A North American Community Service Program

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

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

Savings Deposits, Incentive Structure, And Management Information Systems: Implications For Research On A Children And Youth Savings Account Policy Demonstration, Margaret Clancy, Lissa Johnson, Mark Schreiner

Center for Social Development Research

Savings Deposits, Incentive Structure, and Management Information Systems: Implications for Research on a Children and Youth Savings Account Policy Demonstration

Creating Community In A United States City: Bangladeshi Women Share Their Immigrant Experiences, Lisa Young Larance, Rubena Malik

Center for Social Development Research

Creating Community in a United States City: Bangladeshi Women Share Their Immigrant Experiences

Welfare Reform On American Indian Reservations: Initial Experience Of Service Providers And Recipients On Reservations In Arizona, Shanta Pandey, Eddie Brown, Leslie Scheuler-Whitaker

Buder Center for American Indian Studies Research

In this article we document trends in welfare caseloads and some initial experiences of service providers and welfare recipients on reservations within Arizona under Temporary Assistance for Needy Families (TANF). We document the issues and concerns of state and tribal service providers as they implement the legislation on reservations that are often geographically isolated and which lack infrastructure, jobs, childcare and transportation.

We also record experiences of women with children on reservations with the 1996 federal welfare legislation. These families experience similar barriers when trying to move from welfare to work as do their counterparts across the country; however, these …

Welfare, Work, And American Indians: The Impact Of Welfare Reform, Eddie Brown, Leslie Whitaker, Melinda Springwater, Stephen Cornell, Miriam Jorgensen, Michelle Hale, Amie Nagle

Buder Center for American Indian Studies Research

The Personal Responsibility and Work Opportunity Reconciliation Act of 1996 (PRWORA) ushered in a new era of welfare programs in America. PRWORA and related legislation specifically addressed the needs of American Indian tribes. In this report we review the key features of the welfare reform legislation as it applies to American Indians and Indian Country, assess—to the best of our ability with currently available information—its impact on Indian nations and its chances of achieving its goals, and identify key issues that demand attention if welfare reform is to succeed on Indian lands. The report is divided into three major parts, …

State Of Welfare Families On Reservations: Progress, Setbacks, And Issues For Reauthorization (Working Paper 3), Shanta Pandey, Eddie F. Brown, Min Zhan, Sarah Hicks, Patricia Welch

Buder Center for American Indian Studies Research

State of Welfare Families on Reservations: Progress, Setbacks, and Issues for Reauthorization (Working Paper 3)

Commentary On Empirical Research On An Asset Building Policy: A Microeconomic Perspective, Anne E. Winkler

Center for Social Development Research

Commentary on Empirical Research on an Asset Building Policy: A Microeconomic Perspective

Discussant Comments, Mark R. Rank

Center for Social Development Research

Discussant Comments

Discussant Comments, Larry Davis

Center for Social Development Research

Discussant Comments

Linking Tax Refunds And Low-Cost Bank Accounts, Sondra G. Beverly, Jennifer Tescher, David Marzahl

Center for Social Development Research

This paper was commissioned for Inclusion in Asset Building: Research and Policy Symposium, an event hosted in September 2000 by the Center for Social Development at Washington University in St. Louis. A version was subsequently developed for publication in Inclusion in the American Dream: Assets, Poverty, and Public Policy (Oxford University Press, 2005). The papert presents findings from an evaluation of the Extra Credit Savings Program (ECSP). Piloted in Chicago by ShoreBank and the Center for Law and Human Services, the program was designed to connect unbanked households to mainstream financial services and to facilitate ongoing asset accumulation in low-income …

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

The Thrift Savings Plan Experience: Implications For A Universal Asset Account Initiative, Elaine Rideout-Fisher

Center for Social Development Research

The Thrift Savings Plan Experience: Implications for a Universal Asset Account Initiative

Assets As A Measure Of Household Welfare In Developing Countries, David E. Sahn, David Stifel

Center for Social Development Research

This paper was commissioned for Inclusion in Asset Building: Research and Policy Symposium, an event hosted in September 2000 by the Center for Social Development at Washington University in St. Louis. The paper identifies and explores the use of an asset-based metric of welfare. The metric relies on assets data that are easy to collect and analyze. The authors demonstrate that the asset index functions well in identifying and profiling the poor, in targeting transfers, and even in estimating demand or production functions for outcomes that are useful for designing programs and policy.

Assets, Race, And Educational Choices, Tom Shapiro, Heather Beth Johnson

Center for Social Development Research

Assets, Race, and Educational Choices

Saving And Asset-Accumulation Strategies Used By Low-Income Individuals, Amanda Moore Mcbride, Sondra Beverly, Michael Sherraden, Margaret Sherraden, Lissa Johnson, Mark Schreiner

Center for Social Development Research

This paper presents quantitative and qualitative data regarding the saving and asset-accumulation strategies used by low-income participants in Individual Development Account programs(IDAs). the results of a cross-sectional survey with 298 IDA participants and case studies with 15 IDA participants—the first methods that assessed saving behavior among this population—demonstrate that low-income individuals use psychological and behavioral strategies to save, deposit, and maintain assets. the most frequentlyused strategies are behavioral saving strategiesfor increasing the efficiency of spending (e.g., shopping more carefully for food) and for reducing consumption (e.g., spending less on leisure). Qualitative results indicate that individuals also use goals and mental …

Listening To African-American Students: An Exploratory Analysis Of Factors That Foster Academic Success, Julie Miller-Cribbs, Larry Davis, Stephanie Cronen, Sharon Johnson

Center for Social Development Research

This exploratory study assessed African-American freshman and sophomore students’ decisions to remain in school and their opinions regarding specific dropout prevention programs. Results indicated that students believed that school completion would prepare them for the future. the opinion of family members was consistently ranked as most important in supporting students' decisions to remain in school, and the primary barriers to completing school were related to family issues, academic problems and personal issues. Overall, students were most interested in intervention programs having to do with preparation for their futures—jobs and goals. The importance of tailoring education to meet the needs of …

The Impacts Of Ida Programs On Family Savings And Asset-Holdings, Michael Stegman, Robert Faris, Oswaldo Urdapilleta Gonzales

Center for Social Development Research

This paper was commissioned for Inclusion in Asset Building: Research and Policy Symposium, an event hosted in September 2000 by the Center for Social Development at Washington University in St. Louis. A version was subsequently developed for publication in Inclusion in the American Dream: Assets, Poverty, and Public Policy (Oxford University Press, 2005). This paper supplements research on the national Individual Development Account (IDA) pilot known as the Downpayment on the American Dream Demonstration (ADD). Its subject is the financial impact of ADD on the net savings and assets of program participants, and it examines what ADD participants would have …

Use Of Financial Services And The Poor, Jeanne M. Hogarth, Jinkook Lee

Center for Social Development Research

This paper was commissioned for Inclusion in Asset Building: Research and Policy Symposium, an event hosted in September 2000 by the Center for Social Development at Washington University in St. Louis. The paper presents results from an analysis using data from the 1998 Survey of Consumer Finances to explore several aspects of the financial relationships of low-income households. The analyses looked at an updated profile of low-income and poor households, their financial portfolios, their attachment to the mainstream financial sector, and their use of various types of financial institutions. The findings suggest ways to move low-income households into the financial …

Asset Accumulation For The Poor? A View From The Right, Richard Nadler

Center for Social Development Research

Asset Accumulation for the Poor? A View From the Right

Assets In Theoretical Context: A Developmentalist Interpretation, James Midgley

Center for Social Development Research

This paper was commissioned for Inclusion in Asset Building: Research and Policy Symposium, an event hosted in September 2000 by the Center for Social Development at Washington University in St. Louis. The paper seeks to broaden understanding of asset programs by linking them to the normative perspectives of contemporary social welfare theory. These normative perspectives have been formulated by academics and social policy analysts in an attempt to capture and interpret the complexities of current social welfare realities. Although they invoke ideological preferences, these normative preferences are subsumed under the abstract formulations of normative theory. They reflect diverse beliefs about …

Family Matters: Kin Networks And Asset Accumulation, Ngina Chiteji, Darrick Hamilton

Center for Social Development Research

Family Matters: Kin Networks and Asset Accumulation

Homeownership And Youth Well-Being: An Empirical Test Of Asset-Based Welfare, Edward Scanlon, Deborah Page-Adams

Center for Social Development Research

Homeownership and Youth Well-Being: An Empirical Test of Asset-Based Welfare

Reaching Out To The Unbanked, John Caskey

Center for Social Development Research

Commissioned for Inclusion in Asset Building: Research and Policy Symposium, an event hosted in September 2000 by the Center for Social Development at Washington University in St. Louis, this paper was developed for publication in Inclusion in the American Dream: Assets, Poverty, and Public Policy (Oxford University Press, 2005). This paper presents a strategy for helping the unbanked to build savings and to improve their credit-risk profiles in order to lower their cost of payment services, eliminate a common source of stress, and gain access to lower-cost mainstream credit.