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Articles 631 - 660 of 686
Full-Text Articles in Other Social and Behavioral Sciences
Effects Of Mothers' Assets On Expectations And Children's Educational Achievement In Female-Headed Households, Min Zhan, Michael Sherraden
Effects Of Mothers' Assets On Expectations And Children's Educational Achievement In Female-Headed Households, Min Zhan, Michael Sherraden
Center for Social Development Research
This study examines the effects of mothers’ assets (home ownership and savings) on their expectations and children’s educational achievement in female-headed households. Through the analysis of data from the National Survey of Families and Households (NSFH), results indicate that single mothers’ assets have positive effects on children’s educational achievement, and this effect is partially mediated through expectations. The study also finds that the positive effects of household income on children’s outcomes occur mainly through mothers’ assets. These results lend support for expansion of asset-based policies for poor women with children.
Income, Institutions, And Saving Performance In Individual Development Accounts, Michael Sherraden, Mark Schreiner, Sondra Beverly
Income, Institutions, And Saving Performance In Individual Development Accounts, Michael Sherraden, Mark Schreiner, Sondra Beverly
Center for Social Development Research
This paper examines the relationship between income and saving performance in Individual Development Accounts (IDAs). We first discuss theories of saving. Next, for IDA participants in the American Dream Demonstration, we look at income sources and distribution, followed by tabulations of income and savings outcomes. Following this, we discuss results from regression analyses on savings outcomes. We find that savings amount did not increase with income and that the savings rate decreased with income. Although the data do not reveal exactly what caused this, we believe that institutional factors in IDA programs played an important role.
Saving Performance In The American Dream Demonstration: A National Demonstration Of Individual Development Accounts, Mark Schreiner, Margaret Clancy, Michael Sherraden
Saving Performance In The American Dream Demonstration: A National Demonstration Of Individual Development Accounts, Mark Schreiner, Margaret Clancy, Michael Sherraden
Center for Social Development Research
Saving Performance in the American Dream Demonstration: A National Demonstration of Individual Development Accounts
The United Way Of Greater St. Louis Individual Development Account Pilot Program, Margaret Clancy, Mark Schreiner, Mark Sherraden
The United Way Of Greater St. Louis Individual Development Account Pilot Program, Margaret Clancy, Mark Schreiner, Mark Sherraden
Center for Social Development Research
The United Way of Greater St. Louis Individual Development Account Pilot Program
Welfare Recipiency And Savings Outcomes In Individual Development Accounts, Min Zhan, Michael Sherraden, Mark Schreiner
Welfare Recipiency And Savings Outcomes In Individual Development Accounts, Min Zhan, Michael Sherraden, Mark Schreiner
Center for Social Development Research
Both theoretical frameworks and empirical evidence show that asset-based, means-tested welfare programs have negative effects on savings behaviors of welfare recipients. In this study, we examine how welfare recipiency is associated with savings outcomes in Individual Development Accounts. The results suggest that when other factors are controlled, receipt of welfare either before or at enrollment of IDAs is not correlated with savings outcomes. Policy implications under current welfare reform are discussed.
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
The Decision Of African American Students To Complete High School: An Application Of The Theory Of Planned Behavior, Larry Davis, Icek Ajzen, Jeanne Saunders, Trina Williams
The Decision Of African American Students To Complete High School: An Application Of The Theory Of Planned Behavior, Larry Davis, Icek Ajzen, Jeanne Saunders, Trina Williams
Center for Social Development Research
A longitudinal study explored high-school completion among African Americans. Male and female high-school students aged 14 to 17 (N=166) completed a questionnaire based on the theory of planned behavior (Ajzen, 1991) early in their second year. Intentions to complete the year were accurately predicted from attitudes, subjective norms, and perceived behavioral control (R=0.71; p
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
Creating Community In A United States City: Bangladeshi Women Share Their Immigrant Experiences, Lisa Young Larance, Rubena Malik
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
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
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
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
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
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
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
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.
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 …
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, 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
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
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
Linking Tax Refunds And Low-Cost Bank Accounts, Sondra G. Beverly, Jennifer Tescher, David Marzahl
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 …
Saving Patterns In Ida Programs, Michael Sherraden, Lissa Johnson, Margaret Clancy, Sondra Beverly, Mark Schreiner, Min Zhan, Jami Curley
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
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