Social Work Commons^™

Frequently Asked Questions About The Features Of Child Development Accounts In Israel, Michal Grinstein-Weiss, Meredith Covington, Megan Brewster, Jane E. Oliphant

Center for Social Development Research

In November 2015, Israel enacted legislation to create and fund a Child Development Account program. Beginning in 2017, every baby born to an insured Israeli resident will receive a Child Development Account in his or her name. This Fact Sheet provides answers to frequently asked questions about the policy, which was developed in collaboration with researchers at the Center for Social Development.

A Savings Account For Every Child Born In Israel: Recommendations For Program Implementation, Michal Grinstein-Weiss, Meredith Covington, Margaret M. Clancy, Michael Sherraden

Center for Social Development Research

In November 2015, Israel enacted legislation to create and fund a Child Development Account program. Beginning in 2017, every baby born to an insured Israeli resident will receive a Child Development Account in his or her name. This brief details the policy, which was developed in collaboration with researchers at the Center for Social Development, and offers recommendations to guide its implementation.

Youth Savings Patterns And Performance In Colombia, Ghana, Kenya, And Nepal, Lissa Johnson, Yungsoo Lee, David Ansong, Margaret S. Sherraden, Gina Chowa, Fred Ssewamala, Li Zou, Michael Sherraden, Moses Njenga, Joseph Kieyah, Issac Osei-Akoto, Sharad Sharma, Jyoti Manandhar, Catherine Rodriguez Orgales, Frederico Merchán, Juan Saavedra

Center for Social Development Research

Youth Savings Patterns and Performance in Colombia, Ghana, Kenya, and Nepal

Annual Report On The Asset Project's Head Start Family Financial Capability Pilot: 2014–2015, Anne S. Robertson, Jami Curley

Center for Social Development Research

Since the Great Recession (December 2007–2009 in the United States), poverty has compromised many families and increased the prevalence of young children living in neighborhoods of concentrated, deep poverty. However, financial literacy interventions have reported promising outcomes for influencing financial choices and financial knowledge, highlighting the potential of such programs for improving the economic positions of families and children. This report presents results from a mixed-methods evaluation of a financial literacy intervention with Head Start families in the St. Louis metropolitan area. The intervention combines savings incentives and one-on-one coaching with 10 hours of financial education on debt management, banking, …

Characteristics And Hardships Associated With Bank Account Ownership Among Refund To Savings Participants, Michal Grinstein-Weiss, Dana C. Perantie, Jane E. Oliphant, Anna Deruyter, Mathieu R. Despard

Center for Social Development Research

Having a bank account is one important way for households to securely accumulate savings, build credit, and earn interest on assets. Nationally, 7.7% of households are unbanked—lacking both a checking and a savings account. One proposed step toward financial inclusion is to encourage unbanked households to open accounts and deposit refunds into savings at tax time, when many low-income households receive the year’s largest lump sum of cash. This brief utilizes data from the 2013 Refund to Savings study to summarize differences between banked and unbanked households. The findings show that unbanked status is a marker for other financial disadvantages, …

Sexual Assault Prevention & Education Within Purity Culture: A Process Evaluation Of An Intervention Conducted With Community Partners At A Christian University, Kate Hendricks Thomas, Maggie Shields, Alycia Johnson

SEWSA 2016 Intersectionality in the New Millennium: An Assessment of Culture, Power, and Society

Background & Purpose: Many victims of sexual assault are rising to advocate for sexual assault prevention on college campuses, including Christian college campuses. Some reports indicate that Christian campuses shy away from the topic and refuse to allow needed programs on sex or sexual assault to be introduced to their campuses, even though it is so adamantly needed. The purpose of this study was to increase the promotion of sexual assault awareness and prevention to students on the campus of Charleston Southern University.

Methods: A one-day seminar was offered in partnership with a community health organization on campus. Over 75 …

Research Summary: Universal Accounts At Birth: Results From Seed For Oklahoma Kids, Sondra G. Beverly, Margaret M. Clancy, Michael Sherraden

Center for Social Development Research

This research summary consolidates the findings of several studies from the SEED for Oklahoma Kids experiment, a large-scale policy test of universal, automatic, and progressive Child Development Accounts (CDAs). Studies report the positive impacts of the CDA on financial outcomes (e.g., OK 529 college savings account holding and savings) and on nonfinancial outcomes (e.g., educational expectations, mother’s mental health, and child development). The impacts are often greater for disadvantaged and at-risk children. of note, the automatic components make the CDA in SEED OK inclusive and reduce asset inequality early in life. SEED OK studies indicate the importance of automatic account …

Testing Universal Child Development Accounts: Financial Impacts In A Large Social Experiment, Margaret M. Clancy, Sondra G. Beverly, Michael Sherraden, Jin Huang

Center for Social Development Research

This study examines financial impacts of Child Development Accounts (CDAs) designed to build assets for every newborn in the treatment group. Data come from the randomized SEED for Oklahoma Kids experiment 7 years after the intervention began. The CDA’s automatic features have large impacts on account holding and asset accumulation for college, and especially so for disadvantaged children. This is an important finding because having designated college savings likely shapes children’s educational expectations, which in turn likely influences their precollege academic behavior and achievement. Moreover, demonstrating full inclusion—that is, accounts and assets for all newborns—sets the stage for more equitable …

Support For A Tax-Time Savings Policy: Interest In Deferring Tax Refunds With Matched Incentives, Dana C. Perantie, Jane E. Oliphant, Michal Grinstein-Weiss

Center for Social Development Research

Support for a Tax-Time Savings Policy: Interest in Deferring Tax Refunds With Matched Incentives

Promoting Positive Family Interactions: Evaluating A Free Early Childhood Book Distribution Program, Simon P. Funge, Dana Sullivan, Kirsten Tarter

Social Work Faculty Publications

The Dolly Parton Imagination Library (DPIL) program encourages reading among families of preschool children by mailing age-appropriate books, once per month, until the age of five. An evaluation of a DPIL program in a southern state in the U.S. was conducted to assess the impact on enrolled children. Focus groups were conducted and a survey was administered to over 100 parents of children in the program to determine parents’ satisfaction with – and assessment of – the program relative to its activities and stated outcomes. To what extent the program promoted reading in the family, and children’s enjoyment of reading …

College-Educated, African American Women's Marital Choices, Katherine M. Oliver

Theses and Dissertations--Family Sciences

This study explores the desire to marry, marriageable mate criteria, and marital choices/options as they pertain to college-educated, African American women within today’s society. A purposive, nationally based sample (N = 95) of never married, college-educated, African American women (i.e., 18 to 40 years of age) was gathered via an online survey accessed by an emailed link. A mixed methods approach was utilized within the survey design, followed by data analyses (i.e., frequencies, two-way analyses) interpreted through a theoretical framework of social exchange. Areas discussed include life goals of marriage, cohabitation, and career; romantic barriers; the perceived availability of …

How Therapists Use And Choose Mindfulness To Treat Trauma, Jessica M. King

Theses and Dissertations--Family Sciences

This qualitative study used the phenomenological method to examine how therapists use mindfulness therapies and interventions to address trauma-salient issues with their clients. Specifically, it explored therapists’ use of and choices about mindfulness-based treatments when addressing post-traumatic stress symptoms, and trauma-relevant emotion dysregulation and attachment injury. Informants were associate and fully-licensed local therapists, recruited using convenience sampling and snowball sampling by word-of-mouth referrals. Data was collected by semi-structured interviewing. Interview data was analyzed with Moustakas’ (1994) recommended procedures for analysis of phenomenological data. Results, Discussion, Limitations and Suggestions for Future Research are described at the end.

Asset-Based Policy In South Korea, Youngmi Kim, Li Zou, Soyoon Weon, Michael Sherraden, Jin Yong Choi

Center for Social Development Research

Asset building was first discussed at the 56th Korean National Meetings in November 2004. In November 2006, the conference “Toward a New Paradigm in Social Policy: The Potential of Child Development Accounts in Asset-Based Social Policy,” organized by the Korean Labor Institute and Chung Ang University, generated substantial discussion and reinforced interest in asset-based policy in Korea.

Building Children's Assets In Singapore: The Beginning Of A Lifelong Policy, Vernon Loke, Michael Sherraden

Center for Social Development Research

Singapore has comprehensive lifelong asset-building policies for its citizens. Four programs specifically target children: (1) Children Development Accounts (CDAs) for children starting at birth to age 12; (2) the Edusave account for school children aged six to 17; (3) Postsecondary Education accounts (PSEAs) for children aged 13 years and older; and (4) the Medisave Account, which is opened for every newborn.

A Phenomenological Study Of Anticipated Intimacy And Sexual Expression Needs Of Aging Male And Female Baby Boomers., Charles Shawn Oak

Electronic Theses and Dissertations

The purpose of this study was to understand the phenomenon of how heterosexual Baby Boomers define and understand intimacy, sexual expression, along expectations and desires relating to their respective expressions across the lifespan through their individual experiences and reflections. A set of guiding questions were used in a hermeneutic phenomenological qualitative research design. Data was gathered from thirteen subjects (n=13) using the Rappaport Time Line (RTL) that was used to develop individualized semi-structured interviews and follow-up interviews that were professionally transcribed. These were coded to identify emergent themes. Results of the study provided insight into the phenomenon of how heterosexual …

Use Of Alternative Financial Services Among Low- And Moderate-Income Households: Findings From A Large-Scale National Household Financial Survey, Mathieu R. Despard, Dana C. Perantie, Lingzi Luo, Jane Oliphant, Michal Grinstein-Weiss

Center for Social Development Research

Use of Alternative Financial Services Among Low- and Moderate-Income Households: Findings From a Large-Scale National Household Financial Survey

P-16 The Life Experiences Of Afro-Caribbean Immigrant Women Living With Hiv: A Phenomenological Investigation, Krista Cooper

Celebration of Research and Creative Scholarship

Of the 1.2 million individuals living with HIV, African Americans continue to be the most adversely impacted population in the U.S. (CDC, 2015). While there has been a decrease over time in new HIV infections among this population, statistics indicate that in 2012, African Americans accounted for almost half of those living with HIV (47%) in the U.S. (CDC, 2015). Among those infected men who have sex with men (MSMs), heterosexual males, and heterosexual females account for highest rates of infection among this group in 2010 (CDC, 2015). Among females, African American women continue to lead in both incidence and …

Residential Mobility During Adolescence: Even "Upward" Moves Predict High School Dropout, Molly W. Metzger, Patrick J. Fowler, Bennett Kelberman

Center for Social Development Research

Racial and economic segregation have long endured as systemic challenges in U.S. metropolitan areas. To combat the inequalities of segregation, two broad policy approaches have emerged: (1) preservation stresses investment in low-income neighborhoods, and (2) mobility stresses moving households in low-income areas to more affluent areas. Our recent study reveals some possible unintended consequences of the latter approach, particularly for adolescents. We find that moving during adolescence is associated with decreased odds of graduating from high school, even when moving to significantly higher income neighborhoods.

The Evolution Of International Volunteering, Benjamin J. Lough Phd

Center for Social Development Research

This historical review examines the evolution of large government-supported international volunteer cooperation organizations from the UN First Development Decade to the post-2015 sustainable development era.

The Volunteer Income Tax Preparer's Toolkit: Showing Clients Why Tax Time Is The Right Time To Save, Meredith Covington, Janie Oliphant, Dana Perantie, Michael Grinstein-Weiss

Center for Social Development Research

The Volunteer Income Tax Preparer's Toolkit: Showing Clients Why Tax Time Is the Right Time to Save

Youth Saving Patterns And Performance In Colombia, Ghana, Kenya, And Nepal: Key Findings, Lissa Johnson, Yungsoo Lee, David Ansong, Margaret S. Sherraden, Gina A. N. Chowa, Fred Ssewamala, Li Zou, Moses Njenga, Joseph Kieyah, Isaac Osei-Akoto, Sharad Sharma, Jyoti Manandhar, Catherine Rodriguez, Frederico Merchán, Juan Saavedra, Michael Sherraden

Center for Social Development Research

If provided an opportunity to save via formal financial services, do youth in developing countries participate, save, and accumulate assets? This was one of the key questions asked in YouthSave. Savings accounts were created in four developing countries, targeting youth aged 12 to 18 years from predominantly low-income households. This brief highlights research findings on account uptake and savings from the Savings Demand Assessment (SDA).

The Seed For Oklahoma Kids Child Development Account Experiment: Accounts, Assets, Earnings, And Savings, Sondra G. Beverly, Margaret M. Clancy, Jin Huang, Michael Sherraden

Center for Social Development Research

This brief presents the latest results from SEED for Oklahoma Kids, a pathbreaking randomized experiment to test the effects of automatic, universal, and progressive Child Development Accounts (CDAs) in a statewide sample. Key features of the CDA are automatic opening of a 529 account and an automatic initial $1,000 deposit. The results show that CDAs with automatic deposits invested in a 529 plan may enable children to accumulate meaningful levels of assets over time, even if their families do not contribute to the accounts. As the brief indicates, the new results also have key implications for public policy.

Smart Decarceration: Guiding Concepts For An Era Of Criminal Justice Transformation, Matthew W. Epperson, Carrie Pettus-Davis

Center for Social Development Research

The era of mass incarceration, which made the United States the world’s leading jailer, appears to be coming to an end. What is likely to follow is an era of decarceration, aimed at reducing the incarcerated population. In this working paper, we discuss the problems associated with mass incarceration and the current climate that is likely to make decarceration a reality. We discuss the importance of developing a “smart decarceration” approach—one that is effective, sustainable, and socially just. We then articulate interrelated goals for the era of decarceration, and offer guiding concepts that will help to meet these goals through …

Evicting Victims: Reforming St. Louis's Nuisance Ordinance For Survivors Of Domestic Violence, Nava Kantor, Molly W. Metzger

Center for Social Development Research

Nuisance ordinances, established in municipalities nationwide to ostensibly protect the well-being of residents, threaten property owners with fines and jail time if they fail to abate a nuisance occurring on their property. Rather than promoting conflict resolution, such punitive consequences incentivize landlords to simply evict the tenants causing the nuisance. The enforcement of nuisance ordinances can have detrimental and disproportionate effects on already vulnerable populations, including tenants in domestic violence situations. The City of St. Louis employs a chronic nuisance ordinance, which is based in part on the number of police calls to a property. This ordinance can force survivors …

Asset-Based Policy In China: Applied Projects And Policy Progress, Li Zou, Baorong Guo, Suo Deng, Jin Huang, Minchao Jin, Michael Sherraden

Center for Social Development Research

Since the Center for Social Development (CSD) at Washington University in St. Louis introduced the idea of asset building in China in 2004, asset-based projects and policy discussion have drawn great attention from the central government and mainstream media. CSD research and consultation have played a central role in these developments.

Asset-Based Policy In Hong Kong: Child Development Fund, Li Zou, Simon Lai, Michael Sherraden

Center for Social Development Research

The government of Hong Kong launched the HK$300 million Child Development Fund (CDF) in November 2008 to “capitalize on the strengths of various sectors in the community to help our disadvantaged children,” according to then Hong Kong’s Secretary for Labor and Welfare, Mr. Matthew Cheung Kin-chung. The Hong Kong government drew upon the asset-building research and experience of the Center for Social Development (CSD) at Washington University in St. Louis. Michael Sherraden of CSD consulted for the Hong Kong Government’s Commission on Poverty that planned the CDF policy.

Housing And Child Well-Being, Kate Marcal, Patrick J. Fowler

Center for Social Development Research

Safe and stable housing is essential to support healthy child development and promote strong families. Children thrive in secure, stimulating environments, but far too many are exposed to precarious or unsafe housing conditions that threaten their physical, emotional, and cognitive development. Nearly 40% of the homeless population is comprised of families with children, and many more experience inadequate housing conditions such as overcrowding, household chaos, frequent moves, and poor housing quality. This brief discusses the developmental consequences of housing instability and reviews available resources in homeless services, public housing services, and the child welfare system. It also identifies gaps in …

The Management Imperative: Displacement, Dynamics, And Directions Forward For Training Social Workers As Managers, Barry Rosenberg, Amanda Moore Mcbride

Center for Social Development Research

Management’s place within social work has long been of concern. Social workers are being displaced as managers due to competition from other professions, poor regard for their skills as managers, declining student interest, and weak graduate training. This article examines the displacement, discussing its impact on organizational mission, values, and culture; social work’s future; graduates’ readiness to take on management tasks; and career and compensation advancement. These concerns motivated the George Warren Brown School of Social Work at Washington University in St. Louis to implement a requirement that master of social work students complete three credits of concentration-level management coursework. …

Impacts Of Financial Inclusion On Youth Development: Findings From The Ghana Youthsave Experiment, Gina Chowa, Rainier Masa, David Ansong, Mat Despard, Shiyou Wu, Deborah Hughes, Isaac Osei-Akoto, Stephanie Afranie, Naa Adjorkor Mark-Sowah, Charles Ofori-Acquah, Yungsoo Lee, Lissa Johnson, Michael Sherraden

Center for Social Development Research

The Ghana YouthSave Experiment investigated whether and how youth savings accounts affect financial capability; psychosocial, education, and health outcomes; and economic well-being of Ghanaian youth and their households. The research rigor in the Ghana experiment is unprecedented in resource-limited countries; therefore, it offers an opportunity to posit causal relationships between savings and youth development. This endline report, which comes three years after the baseline report, describes the Ghana experiment and presents experimental findings of YouthSave. The key research questions this report aims to answer is whether the Ghana experiment improved (1) savings patterns and performance for low-income youth; (2) low-income …

Strategic Directions For Global Research On Volunteering For Peace And Sustainable Development, Vera J. Seelig, Benjamin J. Lough

Center for Social Development Research

This workshop report is a co-creation of the United Nations Volunteers, the International Forum on Volunteering for International Development, and the Center for Social Development. It summarizes the workshop on strategic directions for global research for sustainable development that took place in Bonn, Germany, on July 6 through 7, 2015.