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Articles 781 - 805 of 805
Full-Text Articles in Entire DC Network
The Universal Piggy Bank: Designing And Implementing A System Of Savings Accounts For Children, Fred T. Goldberg Jr., Jodi Birk Cohen
The Universal Piggy Bank: Designing And Implementing A System Of Savings Accounts For Children, Fred T. Goldberg Jr., Jodi Birk Cohen
Center for Social Development Research
The Universal Piggy Bank: Designing and Implementing a System of Savings Accounts for Children
Toward Progressive Pensions: A Summary Of The U.S. Pension System And Proposals For Reform, Peter Orszag, Robert Greenstein
Toward Progressive Pensions: A Summary Of The U.S. Pension System And Proposals For Reform, Peter Orszag, Robert Greenstein
Center for Social Development Research
Toward Progressive Pensions: A Summary of the U.S. Pension System and Proposals for Reform
From Research To Policy: Lessons From Individual Development Accounts, Michael Sherraden
From Research To Policy: Lessons From Individual Development Accounts, Michael Sherraden
Center for Social Development Research
From Research to Policy: Lessons From Individual Development Accounts
Assets And The Poor: Evidence From Individual Development Accounts, Mark Schreiner, Michael Sherraden, Margaret Clancy, Lissa Johnson, Jami Curley, Min Zhan, Sondra Beverly, Michal Grinstein-Weiss
Assets And The Poor: Evidence From Individual Development Accounts, Mark Schreiner, Michael Sherraden, Margaret Clancy, Lissa Johnson, Jami Curley, Min Zhan, Sondra Beverly, Michal Grinstein-Weiss
Center for Social Development Research
Assets and the Poor: Evidence From Individual Development Accounts
The Homestead Act: A Major Asset-Building Policy In American History, Trina Williams Shanks
The Homestead Act: A Major Asset-Building Policy In American History, Trina Williams Shanks
Center for Social Development Research
The Homestead Act: A Major Asset-Building Policy in American History
Asking Questions Well: The Role Of Theory In Applied Social Research, Michael Sherraden
Asking Questions Well: The Role Of Theory In Applied Social Research, Michael Sherraden
Center for Social Development Research
Asking Questions Well: The Role Of Theory in Applied Social Research
Asset Building Policy And Programs For The Poor, Michael Sherraden
Asset Building Policy And Programs For The Poor, Michael Sherraden
Center for Social Development Research
Asset Building Policy and Programs for the Poor
Documenting The Costs Of Slavery, Segregation, And Contemporary Discrimination: Are Reparations In Order For African Americans?, Joe Feagin
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 author examines why large-scale reparations should be made to African Americans and how that task might be accomplished.
Aspects Of Outreach: A Framework For The Discussion Of The Social Benefits Of Microfinance, Mark Schreiner
Aspects Of Outreach: A Framework For The Discussion Of The Social Benefits Of Microfinance, Mark Schreiner
Center for Social Development Research
Wide agreement about the goal of microfinance—to improve the welfare of the poor—has not led to wide agreement about how best to achieve that goal. To aid discussion, I propose a framework for outreach—the social benefits of microfinance—in terms of six aspects: worth, cost, depth, breadth, length, and scope. The framework encompasses both the poverty approach to microfinance and the self-sustainability approach. The poverty approach assumes that great depth of outreach can compensate for narrow breadth, short length, and limited scope. The self-sustainability approach assumes that wide breadth, long length, and ample scope can compensate for shallow depth. I show …
The Impact Of Homeownership On The Life Satisfaction Of African-Americans, Edward Scanlon
The Impact Of Homeownership On The Life Satisfaction Of African-Americans, Edward Scanlon
Center for Social Development Research
The federal government has begun to move homeownership to the center of US housing policy. Economic recovery and minority homeownership programs have increased African-American homeownership to an all-time high in 1999. a primary assertion of homeownership advocates is that the life satisfaction of owner-occupiers is greater than that of renters. However, there is little literature to support this assertion, and little is known about whether homeownership is related to life satisfaction among African-Americans. This study tests that hypothesis and evaluates whether the impact of homeownership on life satisfaction is mediated by housing quality, residential stability, perceived neighborhood safety, and neighborhood …
The Subsidy Dependence Index And Recent Attempts To Adjust It, Mark Schreiner, Jacob Yaron
The Subsidy Dependence Index And Recent Attempts To Adjust It, Mark Schreiner, Jacob Yaron
Center for Social Development Research
The Subsidy Dependence Index (SDI) is the most common way to measure the importance of public support for Development Finance Institutions (DFIs). We present the SDI and show its equivalence to a subsidy-adjusted measure of return on equity. We then review recent attempts to adjust the SDI. As a whole, the recent measures are either meaningless or answer unimportant questions. Their use does not lead to a better understanding of the social cost of a DFI.
The Effects Of Assets On The Economic Well-Being Of Women After Marital Disruption, Estheryin-Nei Cho
The Effects Of Assets On The Economic Well-Being Of Women After Marital Disruption, Estheryin-Nei Cho
Center for Social Development Research
This study uses panel data from the National Longitudinal Surveys of Youth to examine the effects of assets on the economic well-being of women one year after marital disruption. Instrumental variable estimation and seemingly unrelated regression are used. Results suggest that financial assets have positive effects on the post-disruption economic well being of women. Financial assets significantly increase income (including earnings) and reduce welfare receipt. In addition, the coefficients of human capital variables are substantially inflated in models without asset variables, suggesting that the effects of assets are captured by human capital variables when asset variables are omitted. In addition …
Downpayments On The American Dream Policy Demonstration, Michael Sherraden, Deborah Page-Adams, Lissa Johnson, Edward Scanlon, Jamie Curley, Min Zhan, Alfreda Bady, James Hinterlong
Downpayments On The American Dream Policy Demonstration, Michael Sherraden, Deborah Page-Adams, Lissa Johnson, Edward Scanlon, Jamie Curley, Min Zhan, Alfreda Bady, James Hinterlong
Center for Social Development Research
This report presents findings from the first annual evaluation of the American Dream Demonstration, a multiyear, nationwide test of Individual Development Accounts. Covering the period from the demonstration’s start-up through June 30, 1998, the report details insights from an implementation assessment and from preliminary analyses of monitoring data.
The History And Status Of Children's Allowances: Policy Background For Children's Savings Accounts, Jami C. Curley, Michael Sherraden
The History And Status Of Children's Allowances: Policy Background For Children's Savings Accounts, Jami C. Curley, Michael Sherraden
Center for Social Development Research
Children’s allowances, a common feature of twentieth century welfare states, are cash grants to families with children. The concept of a government-provided monthly cash benefit to foster income security for all children has never had widespread political appeal. This report traces the history of children’s allowances in other nations to see what can be learned about child support policies.
Landholding And Household Development: What Do We Know?, Min Zhan, Michael Sherraden
Landholding And Household Development: What Do We Know?, Min Zhan, Michael Sherraden
Center for Social Development Research
This overview of research on effects of land ownership focuses on the economic, personal, and social effects of land ownership of small-scale farmers, often in developing nations, under the assumption that the household is the primary unit of production. A search for relevant studies from different fields of inquiry—economic development, rural sociology, family studies, anthropology, social work, medicine, and others—finds 39 empirical studies addressing the effects of land ownership. Sorting these studies into categories for discussion, we present the existing research on effects of land ownership on (1) level of consumption, (2) economic security, (3) investment, (4) women’s status, (5) …
Individual, Family And Neighborhood Influences On Teen Childbearing: A Life Options Approach, Leslie Scheuler-Whitaker, Shanta Pandey
Individual, Family And Neighborhood Influences On Teen Childbearing: A Life Options Approach, Leslie Scheuler-Whitaker, Shanta Pandey
Center for Social Development Research
This paper presents results from an examination of the effects of neighborhood and family characteristics—as they are related to an individual’s life options—on the teenage fertility of urban respondents. The study drew upon the life options perspective, a loosely defined theoretical framework which posits that opportunities for social and economic mobility impact an adolescent’s expectations for the future and behavior. The data come from the University of Chicago’s Urban Poverty and Family Life Survey of Chicago. Collected in 1987 under the supervision of William Julius Wilson, the data are derived from 2,490 personal and telephone interviews conducted with a multistage, …
Factors Influencing African American Youths' Decisions To Stay In School, Larry E. Davis, Sharon Johnson, Julie Miller-Cribbs, Stephen Cronen, Leslie Scheuler-Whitaker
Factors Influencing African American Youths' Decisions To Stay In School, Larry E. Davis, Sharon Johnson, Julie Miller-Cribbs, Stephen Cronen, Leslie Scheuler-Whitaker
Center for Social Development Research
Little attention has been given to the non-problematic development and positive life decisions of African American youth. This paper reports findings of 231 African American students. The goal of the study was to assess factors which contribute to their academic grade point averages and intentions to stay in school. The conceptual model employed in this study was the Theory of Planned Behavior (TPB) which contends that intentions to carryout a behavior is a function of Attitude towards the behavior, Social Normative support for undertaking the behavior, and the Perceived Control of being able to carry out the behavior. In addition …
Building Social Capital From The Center: A Village-Level Investigation Of Bangladesh's Grameen Bank, Lisa Larance
Building Social Capital From The Center: A Village-Level Investigation Of Bangladesh's Grameen Bank, Lisa Larance
Center for Social Development Research
Across rural Bangladesh, nongovernmental organizations (NGOs) have offered poor women economic opportunities. Among these NGOs, the Grameen Bank has successfully implemented group lending to provide poor rural women access to collateral-free loans. This paper focuses on whether Grameen Bank members’ regular interaction at the village-level loan repayment building, the “center,” facilitates the members’ ability to establish and strengthen networks outside their living quarters and kinship groups. The results indicate that, by attending weekly center meetings, Grameen Bank members have the opportunity to build a kind of social wealth not measurable in simple financial terms.
Home Mortgage Lending In St. Louis City: An Analysis Of 1992 And 1994 Home Mortgage Disclosure Act Data, Edward Scanlon, Shirley Emerson
Home Mortgage Lending In St. Louis City: An Analysis Of 1992 And 1994 Home Mortgage Disclosure Act Data, Edward Scanlon, Shirley Emerson
Center for Social Development Research
This report examines home mortgage lending data in St. Louis City in 1992 and 1994. Our primary purpose is to determine how race, income level and neighborhood location relate to home mortgage loan application denial rates. Overall, it is demonstrated that race, income level and negative neighborhood conditions are predictive of loan denial in St. Louis City. The study begins with an overview of related literature. The second section describes our study, and provides information regarding the data set, our variables and research procedures. Part three is a report of our findings. The final section draws conclusions and suggests implications …
Homeownership And Well-Being Among Blue-Collar Workers, Deborah Page-Adams, Nancy Vosler
Homeownership And Well-Being Among Blue-Collar Workers, Deborah Page-Adams, Nancy Vosler
Center for Social Development Research
The economic, social, and psychological vulnerability of blue-collar workers increases as the U.S. economy continues to shift from manufacturing to service and technology. This paper reports findings from an analysis of economic resources and well-being among automobile manufacturing workers. Following previous theoretical and empirical work suggesting positive homeownership effects for vulnerable populations, this analysis was designed to test relationships between homeownership and four measures of well-being while controlling for household income and education levels. Workers from two adjacent automobile manufacturing plants in a large midwestern metropolitan area were surveyed. Multivariate analysis of data from a subsample of 193 workers indicate …
Human Capital And Social Work, Sondra Beverly, Michael Sherraden
Human Capital And Social Work, Sondra Beverly, Michael Sherraden
Center for Social Development Research
This article is an update and continuation of Theodore Schultz’s seminal, but largely unheeded, 1959 article on human capital. Like Schultz, we suggest that building human capital should be a key development strategy for social workers. Empirical research demonstrates that human capital has important positive outcomes. However, opportunities for human capital development are not equally accessible to all. By facilitating human capital development among disadvantaged groups, social workers can help individuals obtain skills that will enable them to compete in post-industrial labor markets. This emphasis on investment and development is particularly relevant today since, in the current political climate, there …
Mortgage Lending: Is Gender A Factor?, Cynthia K. Sanders, Edwaard Scalon, Shirley R. Emerson
Mortgage Lending: Is Gender A Factor?, Cynthia K. Sanders, Edwaard Scalon, Shirley R. Emerson
Center for Social Development Research
In promoting well-being for women and female-headed households, social policy analysts are increasingly attending to wealth accumulation rather than focusing solely on income. Homeownership equity is a form of wealth that may be especially helpful for low-income women. This paper analyzes 1992 Home Mortgage Disclosure Act data for the city and county of St. Louis. Our primary hypothesis was that women, controlling for marital status, income, and race, would be more likely to be denied home loans. The findings from this data set contradict our hypothesis and suggest that men are slightly more likely than women to be denied mortgage …
Education, Assets, And Intergenerational Well-Being: The Case Of Female Headed Families, Li-Chen Cheng, Deborah Page-Adams
Education, Assets, And Intergenerational Well-Being: The Case Of Female Headed Families, Li-Chen Cheng, Deborah Page-Adams
Center for Social Development Research
This paper reports findings from an analysis of economic well-being among female headed households. Previous theoretical and empirical work in this area suggests that poverty among female headed families is to some extent an intergenerational process, a vicious cycle. One common explanation for this pattern is that low socioeconomic status in a woman’s family of origin results in low educational attainment and, ultimately, in low earning capacity. However, an exclusive focus on education may overlook the long term dynamics of the household as an institution that can accumulate assets to enhance economic well-being across generations. Using data from the National …
What We Know About Effects Of Asset Holding: Implications For Research On Asset-Based Anti-Poverty Initiatives, Deborah Page-Adams, Michael Sherraden
What We Know About Effects Of Asset Holding: Implications For Research On Asset-Based Anti-Poverty Initiatives, Deborah Page-Adams, Michael Sherraden
Center for Social Development Research
Asset accumulation programs have emerged at local and state levels to help poor people save for purposes such as education, homeowership, and microenterprise development. These anti-poverty programs are built in part on the suggestion that assets have a wide range of positive effects on well-being, and they frequently use a system of Individual Development Accounts (IDAs) to structure asset accumulation. In addition, federal legislation for an IDA demonstration has increasing support. The emergence of asset accumulation programs at local and state levels, along with growing bipartisan support for a national IDA demonstration, makes applied research both possible and necessary. Studies …
Effects Of Assets On Attitudes And Behaviors: Advance Test Of A Social Policy Proposal, Gautam N. Yadama, Michael Sherraden
Effects Of Assets On Attitudes And Behaviors: Advance Test Of A Social Policy Proposal, Gautam N. Yadama, Michael Sherraden
Center for Social Development Research
Raising asset limits and creating individual development accounts have been proposed in welfare reform. In part the rationale for these proposals is that assets have positive effects on attitudes and behaviors, including long-term planning, greater work effort, and improved social connectedness. The Panel Study of Income Dynamics (PSID), between 1968 and 1972, included a wide range of attitude and behavioral measures. In this study, data from the PSID are analyzed to test for the following: a) the effect of assets on attitudes and behaviors; b) the effect of attitudes and behaviors on assets; c) the effect of income on attitudes …