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Articles 511 - 540 of 805
Full-Text Articles in Entire DC Network
Does Banking Experience Matter: Differences Of The Banked And Unbanked In Individual Development Accounts, Michal Grinstein-Weiss, Yeong H. Yeo, Mathieu R. Despard, Min Zhan
Does Banking Experience Matter: Differences Of The Banked And Unbanked In Individual Development Accounts, Michal Grinstein-Weiss, Yeong H. Yeo, Mathieu R. Despard, Min Zhan
Center for Social Development Research
Using data from the 4-year American Dream Demonstration, this study compared saving performance and program participation of banked participants (n = 1,538) with unbanked participants (n = 466) enrolled in 14 IDA programs across the United States. The study found that unbanked participants had $3.26 lower average monthly net deposit (p<.05) and 5% lower deposit frequency (p<.001) than banked participants. Unbanked participants had 45% greater odds of dropout than banked participants (p<.001). Further analyses looking at the intervening variables suggested that the combined effects of car ownership, education, race, and monthly savings targets significantly reduced the savings gap between the two groups.
Effects Of Participating In An Asset-Building Intervention On Social Inclusion, Margaret Lombe, Michael Sherraden
Effects Of Participating In An Asset-Building Intervention On Social Inclusion, Margaret Lombe, Michael Sherraden
Center for Social Development Research
The United States is arguably one of the richest countries in the world. However, poverty is still an issue of great concern. This observation suggests the need for more innovative interventions to reduce severe need and create terms for meaningful participation of vulnerable individuals in economic, political, and social exchange. Using a sample of IDA program participants (N=840), who were randomly assigned to a control and experimental group, this study explores the relationship between an asset-building intervention and social inclusion from the human capabilities perspective. Results reveal a significant relationship between participating in an IDA program and social inclusion. Although …
Seed Participant Characteristics And Financial Accumulation, Lisa Reyes Mason, Vernon Loke, Margaret Clancy, Yunju Nam, Youngmi Kim, Soda Lo
Seed Participant Characteristics And Financial Accumulation, Lisa Reyes Mason, Vernon Loke, Margaret Clancy, Yunju Nam, Youngmi Kim, Soda Lo
Center for Social Development Research
SEED Participant Characteristics and Financial Accumulation
National Service Impacts On Nonprofit Community Networks, Danielle M. Vogenbeck
National Service Impacts On Nonprofit Community Networks, Danielle M. Vogenbeck
Center for Social Development Research
National Service Impacts on Nonprofit Community Networks
Asset-Building And Investment In Kenya: Small Pilot Project And Directions, Becky Wachera Gitonga, Kenneth Schultz, Matthew Meyer, Francis Ngambi
Asset-Building And Investment In Kenya: Small Pilot Project And Directions, Becky Wachera Gitonga, Kenneth Schultz, Matthew Meyer, Francis Ngambi
Center for Social Development Research
Asset-Building and Investment in Kenya: Small Pilot Project and Directions
Dual Incentives And Dual Asset Building: The Hutubi Rural Social Security Loan Program In China, Baorong Guo, Jin Huang, Michael Sherraden, Li Zou
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 …
中国农村资产社会政策: 社会养老保险制度的变革 [Asset-Based Policy In Rural China: An Innovation In The Retirement Social Insurance Program], Baorong Guo, Jin Huang, Li Zou, Michael Sherraden
中国农村资产社会政策: 社会养老保险制度的变革 [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 …
中国新疆维吾尔自治区资产建设项目初探: 对呼图壁县试点项目参与者的深度访谈 [Asset Building In The Xinjiang Uygur Autonomous Region Of China: In-Depth Interviews With Participants In The Hutubi Pilot Study], Li Zou
Center for Social Development Research
Asset-building concepts are being explored by the Chinese government as a possible avenue for socioeconomic reforms that are responsive to President Jintao HU’s calls for scientific development and for a focus on the countryside. We present documentation of an asset-building pilot project in Hutubi County, located in the rural Xinjiang Uygur Autonomous Region of China. In-depth interviews were conducted with randomly selected program participants to gain a sense of how the program affects individuals and development. The experiences of six families from the region involved in asset building are related in this report. From these experiences, asset ownership is seen …
Five-Country Study On Service And Volunteering In Southern Africa, Leila Patel, Helene Perold, Salah Elzein Mohamed, René Carapinha
Five-Country Study On Service And Volunteering In Southern Africa, Leila Patel, Helene Perold, Salah Elzein Mohamed, René Carapinha
Center for Social Development Research
Five-Country Study on Service and Volunteering in Southern Africa
Inclusion And Effectiveness In International Volunteering And Service, Amanda Moore Mcbride, Margaret S. Sherraden, Benjamin J. Lough
Inclusion And Effectiveness In International Volunteering And Service, Amanda Moore Mcbride, Margaret S. Sherraden, Benjamin J. Lough
Center for Social Development Research
Inclusion and Effectiveness in International Volunteering and Service
Understanding Civic Service International Research & Application, Center For Social Development
Understanding Civic Service International Research & Application, Center For Social Development
Center for Social Development Research
Understanding Civic Service International Research & Application
Fostering Low-Income Homeownership: A Longitudinal Randomized Experiment On Individual Development Accounts, Michal Grinstein-Weiss, Jung-Sook Lee, Kate Irish, Chang-Keun Han
Fostering Low-Income Homeownership: A Longitudinal Randomized Experiment On Individual Development Accounts, Michal Grinstein-Weiss, Jung-Sook Lee, Kate Irish, Chang-Keun Han
Center for Social Development Research
For low-income families, homeownership represents an important strategy to move out of poverty and offers long-term social and economic development opportunities. Individual Development Account (IDA) programs facilitate savings towards assets such as home purchase through matched savings, financial education and case management. Using longitudinal experiment data from the American Dream Demonstration, this study examines the influence of IDA participation on homeownership rates among low-income participants after 18 months (Wave 2) of program participation and after 48 months (Wave 3) at program completion. Involvement in specific home-search activities at Waves 2 and 3 was measured to determine whether these activities mediated …
Seed For Oklahoma Kids: Summary Of Project, Research, And Policy Implications, Michael Sherraden, Margaret M. Clancy
Seed For Oklahoma Kids: Summary Of Project, Research, And Policy Implications, Michael Sherraden, Margaret M. Clancy
Center for Social Development Research
SEED for Oklahoma Kids: Summary of Project, Research, and Policy Implications
Vita Sites: Linking Tax Returns And Asset Building Strategies In Indian Country, Kristen Wagner, Karen Edwards, Amy Locklear Hertel, Miriam Jorgensen, Dana Klar
Vita Sites: Linking Tax Returns And Asset Building Strategies In Indian Country, Kristen Wagner, Karen Edwards, Amy Locklear Hertel, Miriam Jorgensen, Dana Klar
Center for Social Development Research
On an individual and family basis, the Earned Income Tax Credit (EITC) has important poverty alleviation characteristics. Few populations or places in the United States are as needful of the dollars provided by EITC receipt as Indian Country. The receipt of EITC will not alleviate poverty in Indian Country alone, but can be a viable start by providing thousands of dollars to families in Native communities. During the two years this project has been underway, more than 9,000 tax returns have been filed at 14 Voluntary Income Tax Assistance (VITA) sites serving Indian Country. The study examined the number of …
Assessing Asset Data On Low-Income Households, Caroline Ratcliffe, Henry Chen, Trina R. Williams Shanks, Yunju Nam, Mark Schreiner, Min Zhan, Michael Sherraden
Assessing Asset Data On Low-Income Households, Caroline Ratcliffe, Henry Chen, Trina R. Williams Shanks, Yunju Nam, Mark Schreiner, Min Zhan, Michael Sherraden
Center for Social Development Research
Assessing Asset Data on Low-Income Households
Asset Building In The Xinjiang Uygur Autonomous Region Of China: In-Depth Interviews With Participants In The Hutubi Pilot Study, Li Zou
Center for Social Development Research
Asset-building concepts are being explored by the Chinese government as a possible avenue for socioeconomic reforms that are responsive to President Jintao HU’s calls for scientific development and for a focus on the countryside. We present documentation of an asset-building pilot project in Hutubi County, located in the rural Xinjiang Uygur Autonomous Region of China. In-depth interviews were conducted with randomly selected program participants to gain a sense of how the program affects individuals and development. The experiences of six families from the region involved in asset building are related in this report. From these experiences, asset ownership is seen …
Asset-Based Policy In Rural China: An Innovation In The Retirement Social Insurance Program, Baorong Guo, Jin Huang, Li Zou, Michael Sherraden
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 …
Building Children's Assets In Singapore: The Post-Secondary Education Account Policy, Vernon Loke, Michael Sherraden
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
Increasing Parent Educational Expectations For Children In Sub-Saharan Africa: The Potential Role Of Assets, Gina Chowa, William Elliott Iii
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 …
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
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
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
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 …
Exploring And Assessing Intercultural Competence, Alvino E. Fantini
Exploring And Assessing Intercultural Competence, Alvino E. Fantini
Center for Social Development Research
Exploring and Assessing Intercultural Competence
The Achievement Gap From A Capabilities And Asset Perspective, William Elliott Iii, Margaret Sherrard Sherraden
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 …
Assets Beyond Saving In Individual Development Accounts, Chang-Keun Han, Michal Grinstein-Weiss, Michael Sherraden
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 …
Attitudes Toward Institutional Features And Savings In Individual Development Accounts: Latent Class Analysis, Chang-Keun Han, Michael Sherraden
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 …
Do Institutions Really Matter For Saving Among Low-Income Households? A Comparative Approach, Chang-Keun Han, Michael Sherraden
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.
Individual Development Accounts: Frequently Asked Questions, Michal Grinstein-Weiss, Kate Irish
Individual Development Accounts: Frequently Asked Questions, Michal Grinstein-Weiss, Kate Irish
Center for Social Development Research
Individual Development Accounts: Frequently Asked Questions
College Expectations Among Young Children: The Potential Role Of Savings, William Elliott Iii, Margaret Sherrard Sherraden, Lissa Johnson, Suzanne Johnson, Signe Peterson
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 …
Under-Utilized Contributions By International Students: Case Study For Education And Research, Gina Chowa, Kofi Danso, Michael Sherraden
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.
Welfare Reform And Asset Accumulation: Asset Limit Changes, Financial Assets, And Vehicle Ownership, Yunju Nam
Welfare Reform And Asset Accumulation: Asset Limit Changes, Financial Assets, And Vehicle Ownership, Yunju Nam
Center for Social Development Research
Objective. Over the past decade, federal and state governments have substantially liberalized asset limits in welfare. This paper examines whether this policy change promotes asset accumulation among the target population of actual and potential welfare recipients. Methods. Utilizing household data from the Panel Study of Income Dynamics and state data, this study employs a difference-in-difference approach in order to determine whether state asset limits affect the target population’s financial and vehicle asset accumulation. This study develops a new policy measure that considers the time period following the adoption of liberalized asset limits. Results. Analysis results suggest that increased asset limits …