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Articles 841 - 870 of 893

Full-Text Articles in Other Social and Behavioral Sciences

Drop-Out From Individual Development Accounts: Prediction And Prevention, Mark Schreiner, Michael Sherraden Jul 2002

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 …

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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 Jul 2002

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 …

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Understanding Service: Words In The Context Of History And Culture, Natasha Menon, Amanda Moore Mcbride, Michael Sherraden Jul 2002

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

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Violence In The Lives Of Rural, Southern & Poor White Women, Naomi Farber, Julie Miller-Cribbs Jul 2002

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

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Creating Community In A United States City: Bangladeshi Women Share Their Immigrant Experiences, Lisa Young Larance, Rubena Malik Jul 2001

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

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Family Assets For Independence In Minnesota, Michal Grinstein-Weiss, Mark Schreiner, Margaret Clancy, Michael Sherraden Jul 2001

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

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Financial Education In A Children And Youth Savings Account Policy Demonstration: Issues And Options, Sondra G. Beverly, Margaret Clancy Jul 2001

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

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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 Jul 2001

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

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Advancing Community Development And Public Policy Through An Mis-Enhanced Network, Elizabeth Johnson, James Hinterlong, Michael Sherraden, Amanda Moore Jul 2001

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 …

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Experience In The American Dream Demonstration: Lessons For Monitoring In A Children And Youth Savings Account Policy Demonstration, Margaret Clancy, Lissa Johnson, Mark Schreiner Jul 2001

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

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Maximizing Internal And External Validity: Recommendations For A Children And Youth Savings Account Policy Demonstration, Sondra Beverly, Michael Sherraden Jul 2001

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

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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 Jul 2001

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

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Strategies For Creating Mis Technology To Improve Social Work Practice And Research, Elizabeth Johnson, James Hinterlong, Michael Sherraden Jul 2001

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.

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A Framework Of Asset-Accumulation Stages And Strategies, Sondra Beverly, Amanda Moore, Mark Schreiner Jul 2001

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 …

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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 Jul 2001

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. …

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Financial Education And Savings Outcomes In Individual Development Accounts, Margaret Clancy, Michal Grinstein-Weiss, Mark Schreiner Jul 2001

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.

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Women, Microfinance, And Savings: Lessons And Proposals, Rebecca Vonderlack, Mark Schreiner Jul 2001

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.

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Assets, Health, And Well Being: Neighborhoods, Families, Children And Youth, Deborah Page-Adams, Edward Scanlon, Sondra Beverly, Tom Mcdonald Jul 2001

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

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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 Jul 2001

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

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Linking Tax Refunds And Low-Cost Bank Accounts, Sondra G. Beverly, Jennifer Tescher, David Marzahl Jul 2000

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 …

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Saving Patterns In Ida Programs, Michael Sherraden, Lissa Johnson, Margaret Clancy, Sondra Beverly, Mark Schreiner, Min Zhan, Jami Curley Jul 2000

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

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The Universal Piggy Bank: Designing And Implementing A System Of Savings Accounts For Children, Fred T. Goldberg Jr., Jodi Birk Cohen Jul 2000

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

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Toward Progressive Pensions: A Summary Of The U.S. Pension System And Proposals For Reform, Peter Orszag, Robert Greenstein Jul 2000

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

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Assets As A Measure Of Household Welfare In Developing Countries, David E. Sahn, David Stifel Jul 2000

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.

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Assets, Race, And Educational Choices, Tom Shapiro, Heather Beth Johnson Jul 2000

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

Center for Social Development Research

Assets, Race, and Educational Choices

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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 Jul 2000

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

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Saving And Asset-Accumulation Strategies Used By Low-Income Individuals, Amanda Moore Mcbride, Sondra Beverly, Michael Sherraden, Margaret Sherraden, Lissa Johnson, Mark Schreiner Jul 2000

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 …

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Listening To African-American Students: An Exploratory Analysis Of Factors That Foster Academic Success, Julie Miller-Cribbs, Larry Davis, Stephanie Cronen, Sharon Johnson Jul 2000

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 …

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The Impacts Of Ida Programs On Family Savings And Asset-Holdings, Michael Stegman, Robert Faris, Oswaldo Urdapilleta Gonzales Jul 2000

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 …

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Use Of Financial Services And The Poor, Jeanne M. Hogarth, Jinkook Lee Jul 2000

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 …

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