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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


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.


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


Examining Minority And Poor Youth's College Aspirations And Expectations: The Potential Role Of College Savings, William Elliott Iii Jul 2007

Examining Minority And Poor Youth's College Aspirations And Expectations: The Potential Role Of College Savings, William Elliott Iii

Center for Social Development Research

In this study, the following three questions are examined: (1) Is having savings for college associated with higher college expectations? (2) Are college expectations associated with math achievement? and (3) Do college expectations act as a mediator for college aspirations? Findings indicate that youth with college savings are more likely to have higher college expectations and having higher college expectations is associated with math achievement. Further, college expectations act as a mediator for college aspirations. These findings suggest that policies designed to promote youth college savings may have a positive impact on college expectations.


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


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


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


Asset Building In Sub-Saharan Africa: Toward Sustainable Economic Development For Rural Farmers, Gina Chowa Jul 2007

Asset Building In Sub-Saharan Africa: Toward Sustainable Economic Development For Rural Farmers, Gina Chowa

Center for Social Development Research

Asset Building in Sub-Saharan Africa: Toward Sustainable Economic Development for Rural Farmers


Asset-Based Policy In Taiwan: Demonstrations And Policy Progress, Li-Chen Cheng Jul 2007

Asset-Based Policy In Taiwan: Demonstrations And Policy Progress, Li-Chen Cheng

Center for Social Development Research

Asset-Based Policy in Taiwan: Demonstrations and Policy Progress


Domestic Violence, Economic Abuse, And Implications Of A Program For Building Economic Resources For Low-Income Women, Cynthia K. Sanders Jul 2007

Domestic Violence, Economic Abuse, And Implications Of A Program For Building Economic Resources For Low-Income Women, Cynthia K. Sanders

Center for Social Development Research

Domestic Violence, Economic Abuse, and Implications of a Program for Building Economic Resources for Low-Income Women


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.


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 …


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


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 …


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


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


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


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 …


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 …


The I Can Save Program: School-Based Children's Saving Accounts For College, Margaret Sherraden, Lissa Johnson, William Elliott, Shirley Porterfield, William Rainford Jul 2006

The I Can Save Program: School-Based Children's Saving Accounts For College, Margaret Sherraden, Lissa Johnson, William Elliott, Shirley Porterfield, William Rainford

Center for Social Development Research

This paper examines an innovative college savings program for public elementary school children. The project is based on the proposition that children will gain financial knowledge and be more likely to view college as an attainable goal because they are accumulating savings to help pay for higher education. As the latest in a long history of school-based savings programs, this program pioneers the idea of matched savings in which children and family savings in the students’ accounts are matched one to one up to a maximum of $3,500. Findings suggest that the principal, teachers, children, and their families are enthusiastic …


Asset-Based Policy In Indonesia: Pilot Study And Emerging Opportunities, Michael Sherraden, Li Zou Jul 2006

Asset-Based Policy In Indonesia: Pilot Study And Emerging Opportunities, Michael Sherraden, Li Zou

Center for Social Development Research

The Center for Social Development (CSD) at Washington University in St. Louis collaborated with the Indonesian Ministry of Social Welfare and researchers from the State Islamic University (UIN) to design a major asset-based, poverty-alleviation pilot project in Indonesia. The government committed significant resources to this 5-year study, which formed a major part of the welfare rethinking in the Indonesian Department of Social Welfare’s five-year plan (2006-2010). This pilot study operated in impoverished localities in parallel with Indonesia’s successful microfinance program (Cooperative Micro Businesses, or KUBE program). Discussion of asset building has grown steadily in Indonesian government circles since the idea …


Asset-Building Initiatives In Peru And Colombia: Pilot Study And Directions, Yves Moury Jul 2006

Asset-Building Initiatives In Peru And Colombia: Pilot Study And Directions, Yves Moury

Center for Social Development Research

Three asset-based poverty alleviation initiatives were conducted in Peru and Colombia. The first, a six-year asset-building pilot program, was undertaken in southern Peru as an important component of the Corredor Puno-Cusco Project, a rural finance support project focusing on savings mobilization, savings enhancement, and economic development. The second, the Southern Highlands Project in rural Peru, began in early 2005. The third, the Activos project in rural southern Colombia, was in the pre-approval stage as of this writing, with its final design still in a discussion and adjustment process with the Colombian government. The goals of all three projects were to …


Older Adults In Service To Society, Nancy Morrow-Howell, Fengyan Tang, Song-Iee Hong, Jaime Goldberg, So Yeon Kim, Amy Luman, Michael Sherraden, Amanda Moore Mcbride, Erin Auth, Kerry Finegan, Lisa Lawrence Jul 2006

Older Adults In Service To Society, Nancy Morrow-Howell, Fengyan Tang, Song-Iee Hong, Jaime Goldberg, So Yeon Kim, Amy Luman, Michael Sherraden, Amanda Moore Mcbride, Erin Auth, Kerry Finegan, Lisa Lawrence

Center for Social Development Research

Older Adults in Service to Society


Inclusion In College Savings Plans: Participation And Saving In Maine's Matching Grant Program, Margaret Clancy, Chang-Keun Han, Lisa Reyes Mason, Michael Sherraden Jul 2006

Inclusion In College Savings Plans: Participation And Saving In Maine's Matching Grant Program, Margaret Clancy, Chang-Keun Han, Lisa Reyes Mason, Michael Sherraden

Center for Social Development Research

Inclusion in College Savings Plans: Participation and Saving in Maine's Matching Grant Program


Mis Ida Operations Manual: Management Information System For Individual Development Accounts, Center For Social Development Jul 2006

Mis Ida Operations Manual: Management Information System For Individual Development Accounts, Center For Social Development

Center for Social Development Research

MIS IDA Operations Manual: Management Information System for Individual Development Accounts


Saving For College In Maine's Matching Grant Program: Account Owner Experiences, Lisa Reyes Mason, Margaret Clancy, Margaret Sherraden, Chang-Keun Han Jul 2006

Saving For College In Maine's Matching Grant Program: Account Owner Experiences, Lisa Reyes Mason, Margaret Clancy, Margaret Sherraden, Chang-Keun Han

Center for Social Development Research

Saving for College in Maine's Matching Grant Program: Account Owner Experiences


Saving In Individual Development Accounts: Latent Growth Curve Modeling, Chang-Keun Han Jul 2006

Saving In Individual Development Accounts: Latent Growth Curve Modeling, Chang-Keun Han

Center for Social Development Research

This article examines saving patterns of participants in Individual Development Accounts (IDAs) using initial deposit and growth rate of savings in latent growth curve modeling (LGCM). This study uses data on low-income households from the American Dream Demonstration (ADD), the first large-scale demonstration program of IDAs. Contrary to a linear growth of savings examined by average values, LGCM revealed that participants saved much less 18 month after opening an IDA account. In addition, LGCM showed that individual participants have significant variations in initial deposits and growth rate of savings, and income type appears to explain some of these variations. While …


State Policy Options For Building Assets, Leslie Parrish, Heather Mcculloch, Karen Edwards Jul 2006

State Policy Options For Building Assets, Leslie Parrish, Heather Mcculloch, Karen Edwards

Center for Social Development Research

State Policy Options for Building Assets


Using Individual Development Accounts For Microenterprise Development, Fred M. Ssewamala, Margaret Lombe, Jami C. Curley Jul 2006

Using Individual Development Accounts For Microenterprise Development, Fred M. Ssewamala, Margaret Lombe, Jami C. Curley

Center for Social Development Research

This study examines whether there is a role for microenterprise development as an anti-poverty strategy in the United States. This question is important because skeptical views exist regarding whether, generally, poor Americans would have the enthusiasm to undertake the risk of dealing with small-businesses, especially given that the United States has a public welfare system to take care of the poor and “abundant jobs” for those with the skills—compared to most developing countries where the only alternative open for a family investing in a small-business may be starvation. Using data from 14 community-based programs promoting small-business investment through Individual Development …


Do Assets Affect Well-Being? Perceptions Of Youth In A Matched Savings Program, Edward Scanlon, Deborah Adams Jul 2006

Do Assets Affect Well-Being? Perceptions Of Youth In A Matched Savings Program, Edward Scanlon, Deborah Adams

Center for Social Development Research

Do Assets Affect Well-Being? Perceptions of Youth in a Matched Savings Program