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Drop-Out From Individual Development Accounts: Prediction And Prevention, Mark Schreiner, Michael Sherraden
Drop-Out From Individual Development Accounts: Prediction And Prevention, Mark Schreiner, Michael Sherraden
Center for Social Development Research
Individual Development Accounts (IDAs) are a new policy instrument designed to help the poor save and accumulate assets. IDAs provide matches for savings used for home purchase, post-secondary education, or microenterprise. IDAs cannot help participants, however, if they drop out. What determines drop-out, and what can be done to help participants to stay in? Three findings emerge from an analysis of IDAs in the American Dream Demonstration. First, drop-out depends more on transaction costs and previous debt than on income. Second, program design --and match rates in particular--affect drop-out risk. Third, drop-out can be predicted with some accuracy, so IDA …
Gender Differences In Self-Perceptions And Academic Outcomes: A Study Of African American High School Students, Jeanne Saunders, Larry Davis, Trina Williams, Julie Miller Cribbs
Gender Differences In Self-Perceptions And Academic Outcomes: A Study Of African American High School Students, Jeanne Saunders, Larry Davis, Trina Williams, Julie Miller Cribbs
Center for Social Development Research
There is increasing divergence in the academic outcomes of African American males and females. By most accounts, males are falling behind their female peers educationally as African American females are graduating from high schools at higher rates and are going on to college and graduate school in greater numbers. Some have suggested that school completion and performance is associated with how students feel about themselves. The purpose of this study was to explore gender differences in the relationship between self-perceptions and two academic outcomes among a sample of 243 African American high school sophomores. The results suggest that, overall; females …
Understanding Service: Words In The Context Of History And Culture, Natasha Menon, Amanda Moore Mcbride, Michael Sherraden
Understanding Service: Words In The Context Of History And Culture, Natasha Menon, Amanda Moore Mcbride, Michael Sherraden
Center for Social Development Research
Understanding Service: Words in the Context of History and Culture
Violence In The Lives Of Rural, Southern & Poor White Women, Naomi Farber, Julie Miller-Cribbs
Violence In The Lives Of Rural, Southern & Poor White Women, Naomi Farber, Julie Miller-Cribbs
Center for Social Development Research
Violence in the Lives of Rural, Southern & Poor White Women
Limitations Of Civic Service: Critical Perspectives, Jenny Brav, Amanda Moore Mcbride, Michael Sherraden
Limitations Of Civic Service: Critical Perspectives, Jenny Brav, Amanda Moore Mcbride, Michael Sherraden
Center for Social Development Research
Limitations of Civic Service: Critical Perspectives
Friends, Family, And Neighborhood: Understanding Academic Outcomes Of African American Youth, Trina Williams, Larry Davis, Julie Miller-Cribbs, Jeanne Saunders, James Herbert Williams
Friends, Family, And Neighborhood: Understanding Academic Outcomes Of African American Youth, Trina Williams, Larry Davis, Julie Miller-Cribbs, Jeanne Saunders, James Herbert Williams
Center for Social Development Research
Friends, Family, and Neighborhood: Understanding Academic Outcomes of African American Youth
Predicting Positive Academic Intentions Among African American Males And Females, Larry Davis
Predicting Positive Academic Intentions Among African American Males And Females, Larry Davis
Center for Social Development Research
Significant attention has been given to the educational shortcomings of African American students, especially compared to their white counterparts. By contrast, this study assesses positive predictors of educational success among 243 African-American high school sophomores. Because African American females typically have higher educational outcomes than their male peers, this study also examined these predictors by gender to better understand factors that may contribute to these differences. the study employed the Theory of Planned Behavior (TPB) as a conceptual framework and also examined students’ self-perceptions in four domains: self-esteem, racial self-esteem, academic self-efficacy, and the importance of school completion to self. …
Crossing Divides: New Common Ground On Poverty And Economic Security, Tammy Draut, David Callahan, Corinna Hawkes
Crossing Divides: New Common Ground On Poverty And Economic Security, Tammy Draut, David Callahan, Corinna Hawkes
Center for Social Development Research
Crossing Divides: New Common Ground on Poverty and Economic Security
Family Assets For Independence In Minnesota, Michal Grinstein-Weiss, Mark Schreiner, Margaret Clancy, Michael Sherraden
Family Assets For Independence In Minnesota, Michal Grinstein-Weiss, Mark Schreiner, Margaret Clancy, Michael Sherraden
Center for Social Development Research
Family Assets for Independence in Minnesota
Financial Education In A Children And Youth Savings Account Policy Demonstration: Issues And Options, Sondra G. Beverly, Margaret Clancy
Financial Education In A Children And Youth Savings Account Policy Demonstration: Issues And Options, Sondra G. Beverly, Margaret Clancy
Center for Social Development Research
Financial Education in a Children and Youth Savings Account Policy Demonstration: Issues and Options
Philanthropy In The 21st Century, Susan Berresford
Philanthropy In The 21st Century, Susan Berresford
Center for Social Development Research
Philanthropy in the 21st Century
Toward A Theory Of Financial Savings And Child Well-Being: Implications For Research On A Children And Youth Savings Account Policy Demonstration, Edward Scanlon
Center for Social Development Research
Toward a Theory of Financial Savings and Child Well-Being: Implications for Research on a Children and Youth Savings Account Policy Demonstration
Youth Service As Strong Policy, Michael Sherraden
Youth Service As Strong Policy, Michael Sherraden
Center for Social Development Research
Youth Service as Strong Policy
Advancing Community Development And Public Policy Through An Mis-Enhanced Network, Elizabeth Johnson, James Hinterlong, Michael Sherraden, Amanda Moore
Advancing Community Development And Public Policy Through An Mis-Enhanced Network, Elizabeth Johnson, James Hinterlong, Michael Sherraden, Amanda Moore
Center for Social Development Research
Effective community development requires the establishment of links among multiple organizations and institutions. How well the network functions depend on the specificity and accuracy of the information exchanged. In this paper, we illustrate how the introduction of a management information system (MIS) to a network of economic development programs across the United States meets the diverse information needs of the multiple members and standardizes their communication. We discuss how the MIS, as a tool for community development, supports the collection and flow of information among network members, leading to expansion of the network. The success of this MIS-enhanced network is …
Experience In The American Dream Demonstration: Lessons For Monitoring In A Children And Youth Savings Account Policy Demonstration, Margaret Clancy, Lissa Johnson, Mark Schreiner
Experience In The American Dream Demonstration: Lessons For Monitoring In A Children And Youth Savings Account Policy Demonstration, Margaret Clancy, Lissa Johnson, Mark Schreiner
Center for Social Development Research
Experience in the American Dream Demonstration: Lessons for Monitoring in a Children and Youth Savings Account Policy Demonstration
Maximizing Internal And External Validity: Recommendations For A Children And Youth Savings Account Policy Demonstration, Sondra Beverly, Michael Sherraden
Maximizing Internal And External Validity: Recommendations For A Children And Youth Savings Account Policy Demonstration, Sondra Beverly, Michael Sherraden
Center for Social Development Research
Maximizing Internal and External Validity: Recommendations for a Children and Youth Savings Account Policy Demonstration
Strategies For Creating Mis Technology To Improve Social Work Practice And Research, Elizabeth Johnson, James Hinterlong, Michael Sherraden
Strategies For Creating Mis Technology To Improve Social Work Practice And Research, Elizabeth Johnson, James Hinterlong, Michael Sherraden
Center for Social Development Research
This paper illustrates the potential for management information system (MIS) technology to integrate information collection, management and reporting within a single program or network of organizations. Properly devised and created, MIS applications improve administration, service delivery and practice evaluation. Three strategies are offered to guide the design and development of MIS software. This paper is based on lessons from the production and implementation of MIS software that serves as a management and evaluation tool for a nationwide policy demonstration. Data from the MIS have helped to shape state and federal policy.
Civic Service: Issues, Outlook, Institution Building, Michael Sherraden
Civic Service: Issues, Outlook, Institution Building, Michael Sherraden
Center for Social Development Research
Civic Service: Issues, Outlook, Institution Building
A Framework Of Asset-Accumulation Stages And Strategies, Sondra Beverly, Amanda Moore, Mark Schreiner
A Framework Of Asset-Accumulation Stages And Strategies, Sondra Beverly, Amanda Moore, Mark Schreiner
Center for Social Development Research
We propose that asset accumulation occurs in three stages. In the first stage (reallocation), current resource inflows must exceed current outflows. To meet this objective, people reallocate resources from current consumption, current leisure, or future consumption or leisure. In the second stage (conversion), people may convert resources from liquid to illiquid forms. In the third stage (maintenance), individuals resist temptations to dissave. We suggest that people adopt psychological and behavioral strategies to achieve each of these objectives. Putting the two types of strategies together with the three stages of asset accumulation results in six strategy groups. We provide examples of …
Costs Of Idas And Other Capital-Development Programs, Guattin Ng
Costs Of Idas And Other Capital-Development Programs, Guattin Ng
Center for Social Development Research
This paper is an exploratory comparison of the costs of Individual Development Accounts (IDAs) relative to financial-capital programs and human-capital programs. Comparing program costs is informative but fraught with difficulties. a recurring theme is that due to a host of factors, costs vary not only between programs but also between sites in a single program. Notwithstanding the challenges involved, cost studies are important because resources are scarce and decisions must be made about resource allocation. Individual Development Accounts (IDAs) are matched savings accounts designed to assist the poor accumulate assets. Savings are matched for three purposes: to increase returns on …
Depression And Poverty Among African-American Women At Risk For Type 2 Diabetes, Mary De Groot, Wendy Auslander, James Herbert Williams, Michael Sherraden, Debra Haire-Joshu
Depression And Poverty Among African-American Women At Risk For Type 2 Diabetes, Mary De Groot, Wendy Auslander, James Herbert Williams, Michael Sherraden, Debra Haire-Joshu
Center for Social Development Research
Poverty is associated with negative health outcomes, including depression. Little is known about the specific elements of poverty that contribute to depression, particularly among African- American women at risk for type 2 diabetes. This study examined the relationships of economic and social resources to depression among African-American women at high risk for the development of type 2 diabetes (N=181) using the Conservation of Resources (COR) theory as a conceptual framework. Women were assessed at three time points in conjunction with a dietary change intervention. At baseline, 40% of women reported clinically significant depression and 43.3% were below the poverty line. …
Financial Education And Savings Outcomes In Individual Development Accounts, Margaret Clancy, Michal Grinstein-Weiss, Mark Schreiner
Financial Education And Savings Outcomes In Individual Development Accounts, Margaret Clancy, Michal Grinstein-Weiss, Mark Schreiner
Center for Social Development Research
This study is the first quantitative look at the effects of financial education on savings outcomes for the poor in Individual Development Accounts. The findings suggest that financial education has sizeable effects, and that courses need not be long to take advantage of them. Marketing and public-policy implications are noted.
Women, Microfinance, And Savings: Lessons And Proposals, Rebecca Vonderlack, Mark Schreiner
Women, Microfinance, And Savings: Lessons And Proposals, Rebecca Vonderlack, Mark Schreiner
Center for Social Development Research
Microfinance—both credit and savings—has potential to improve the well-being of poor women in developing countries. This paper explores practical ways to achieve that potential. Based on lessons from informal saving mechanisms that women already use, the paper proposes two savings services designed to address the development issues that confront women. The proposals call for safe-deposit boxes and for matched savings accounts for health care or education.
Assets And The Poor: Implications For Individual Accounts And Social Security, Michael Sherraden
Assets And The Poor: Implications For Individual Accounts And Social Security, Michael Sherraden
Center for Social Development Research
Assets and the Poor: Implications for Individual Accounts and Social Security
Assets, Health, And Well Being: Neighborhoods, Families, Children And Youth, Deborah Page-Adams, Edward Scanlon, Sondra Beverly, Tom Mcdonald
Assets, Health, And Well Being: Neighborhoods, Families, Children And Youth, Deborah Page-Adams, Edward Scanlon, Sondra Beverly, Tom Mcdonald
Center for Social Development Research
Assets, Health, and Well Being: Neighborhoods, Families, Children and Youth
Saving In Ida Programs, Michael Sherraden
Saving In Ida Programs, Michael Sherraden
Center for Social Development Research
Saving in IDA Programs
Service Learning And Older Adults, Melinda Carden
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
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
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
Service And The Human Enterprise, Michael Sherraden
Center for Social Development Research
Service and the Human Enterprise