Second Thoughts: Who Almost Participates in an IDA Program?

ABSTRACT

Using data reported on applications to a large individual development account (IDA) program (N = 758), the purpose of this study is to examine the self-selection process. Persons who applied to the program but did not enroll had second thoughts about the IDA. Multivariate logistic regression showed that children in the household and negative net worth along with vehicle nonownership were positively related to second thoughts. Education-savers were more likely than home-savers and business-savers to have second thoughts. This information can be used to target individuals at risk of not enrolling in IDAs, ultimately expanding access to underserved, low-income households. Future research is needed to understand how IDA recruitment strategies and institutional characteristics affect program participation and second thoughts.     

Assessing the Effects of an Asset-Building Program in Resource-Constrained Households: The Case of Sub-Saharan Africa

ABSTRACT

Using a survey that was administered individually to respondents at set locations, this study examines the effects of participation in an asset-building program in resource-constrained households in rural Ghana (n = 120 in the experimental group and n = 120 in the comparison group). Results suggest the program is effective in reaching the most economically vulnerable households. We also learned that program participation was related to ownership of social assets, as well as psychosocial and financial well-being. Program characteristics, including trust among members and time spent on program-related activities, were related to enhanced social and financial assets, respectively. A number of implications emerge from this study. Given that the program, although effective in reaching the most economically vulnerable households, did not produce significant outcomes in such households, attention may be devoted to understanding ways to enhance the welfare of vulnerable program participants. A targeted approach may be a viable option. With respect to policy, consideration could be given to incorporating microfinance models in poverty alleviation strategies. Continued research using more rigorous design is needed to explore the relationship between microfinance and the welfare of vulnerable participants.     

The Model Development Dissertation

ABSTRACT

Asset-building programs, such as Individual Development Account (IDA) programs within social service agencies, assist low-income employed clients in building credit, purchasing affordable assets, and gaining wealth. This longitudinal exploratory study examines the credit outcomes of IDA programs to add to the knowledge concerning the effects of IDAs as an asset-building tool. Data were analyzed using a convenience sample of IDA participants and nonparticipants (N = 164), and the results indicated that initial credit score and history are associated with program participation. However, results also suggested that initial credit score is not a meaningful indicator of program completion, time to completion, or type of asset purchased for participants. Those who completed the IDA program within 2 years experienced the highest credit gains. Future research with larger samples is needed to further assess the impact of credit on program participation and completion and on whether credit gains are sustained.     

Concurrent Participation in Federally-Funded Welfare Programs and Empowerment Toward Economic Self-Sufficiency

This research examined the impact of participation in federal means-tested welfare programs on the attainment and maintenance of economic self-sufficiency. Using the Survey of Income and Program Participation (SIPP), this quasi-experimental investigation compartmentalized 4216 low-income households into an intervention group (n?=?2436) and a comparison group (n?=?1780). Households in the intervention group received one or more welfare benefits for the most part of the 2008–2013 quinquennium. By contrast, those in the comparison group – although eligible for these benefits – did not receive them. The survey respondents were measured repeatedly over a 56-month period to assess whether welfare receipt impacts their household income steadily beyond 150% of the federal poverty level, after controlling for known predictors. Multivariate analyses displayed medium effect sizes indicating that participation in public assistance did decrease the likelihood of economic self-sufficiency. Macro-implications of these findings for poverty and social welfare stakeholders were discussed.     

Stepfather involvement in social interventions made by youth protection services in stepfamilies

Despite efforts made by management and caseworkers to promote active parental participation in the protective context, fathers or other male figures are often brushed aside from intervention. This paper presents the results of qualitative research on methods used by youth protection caseworkers (n = 22) working with stepfather families. The main objective is to identify items that encourage or discourage stepfather involvement in psychosocial interventions. Results showed that certain items do not apply solely to stepfathers, but influence youth protection caseworker decision‐making from a broader perspective. Particular characteristics associated with being a stepfather significantly influence involvement practices espoused by caseworkers, notably the absence of legal status and biological connection with the mother's children.     

Material hardship and self-rated health among low-income households in South Korea

Concerns over poverty and health inequality are growing in South Korea. Using advanced statistical methods including lagged-dependent variable and fixed-effects approaches, we investigated whether experiencing material hardship (MH) was associated with self-rated health (SRH) among low-income households in South Korea. This study found that the experience of MH was positively associated with higher likelihood of reporting poor SRH (OR = 1.42, p < .05) and that experiencing two or more items of MH presented more harmful influence on SRH (OR = 2.02, p < .001). This study also found that the negative association between MH and SRH was stronger among the unemployed households.     

Microfinance Participation and Women's Decision-Making Power in the Household in Bangladesh

ABSTRACT

This study draws from bargaining theory to examine whether microfinance, a range of financial instruments such as micro-loans to support micro-enterprises, affects women's participation in household decision-making operationalized by whether women play a role in household decisions about large purchases, small purchases, going out to meet friends and family, and health care among a nationally representative sample of 6,150 women between the ages of 15 and 49 years in Bangladesh. Bargaining theory suggests that decision-making in households is conflictual but conflict can be mitigated through bargaining. Central to bargaining power of women is control over resources, assuming that household decision-making involves making economic decisions. Logistic regression analysis was used to test the interaction effect of microfinance and control over resources on decision-making power in the household utilizing the nationally representative Bangladesh Demographic and Health Survey 2011. Results revealed that microfinance participants with control over resources reported higher odds of decision-making power (OR = 4.3, p < 0.05) when compared to microfinance participants without control over resources (OR = 1.22, p < 0.05) but less than women who did not participate in microfinance but had control over resources (OR = 5.2; p < 0.05). In conclusion, control over resources play an important role in bargaining that increases odds of having decision-making power in the household, even for women who do not participate in microfinance. The study findings contribute to both social work practice and research on low-income populations as it allows an understanding of the importance financial access and financial know-how while it sheds light on how precarious women's lives can be as they navigate income-generating financial systems that interfere with gender norms, which may have negative consequences. These findings are particularly important for practitioners working in the area of women's empowerment who would do well to emphasize the need for building financial capability so that women are able to garner control over their own and familial resources, whether or not they participate in empowerment programs like microfinance, which in turn gives women voice and agency. Meanwhile, future researchers are well positioned to examine the kinds of specific skills that best predict increases in women's decision-making power in the household as well how gender dynamics play into the decision-making process.     

Home and Community-based Services and Life Satisfaction among Homebound and Poor Older Adults

ABSTRACT

Little evidence exists regarding the role of Home and Community-Based Services (HCBS) utilization on life satisfaction among older people who are both homebound and low-income. Guided by the personal-environment (P-E) fit perspective, this study aims to: (1) describe characteristics of older people with homebound and low-income status; (2) investigate how the combination of homebound and low-income status is associated with life satisfaction; and (3) examine whether HCBS utilization moderates the association between homebound and low-income status and life satisfaction. Data were drawn from the 2012 Health and Retirement Study, and the sample included respondents who were 51+ years who completed a questionnaire for HCBS utilization (n= 1,662). Results describe sociodemographic, health-related, and environmental characteristics of older adults. Combined homebound and low-income status was a significant predictor of lower life satisfaction (β = ?0.15, p< .05), but better life satisfaction when they used HCBS (β = 0.33, p <.10). These findings suggest that promoting HCBS utilization is a promising strategy to enhance well-being among those homebound and poor. Further studies are needed to test the effectiveness of HCBS with longitudinal data and to investigate the details of effective HCBS utilization such as frequency of use and types of services.     

Assessment of a State TANF Funded IDA Initiative: A Case Study

Individual development accounts (IDAs), wealth-building programs for the working poor, have existed since the late 1980s. Current research suggests that IDA programs benefit families while contributing to local and state economies. This program evaluation assessed the impact of one state Temporary Assistance for Needy Families (TANF)-funded IDA initiative. Quantitative and qualitative data were collected from four agencies chosen using cluster sampling across the state. Agency programmatic and participant data from the last year of operation (N?=?160) were examined. Agencies also provided contact information for three participants who had graduated and three who exited the program prematurely in the past year of operation. In person, interviews were held with agency directors (n?=?6) and IDA participants (n?=?11) were interviewed by telephone. Results indicate that 69% (n?=?111) of IDA enrollees successfully completed the program. IDA participants who exited the program prior to completion also expressed benefits associated with the time in which they were involved. Programmatic and individual benefits and challenges reported guide recommendations for improving IDA marketability, participant outcomes, and organizational performance rates. A critical implication of the findings is the need to expand the use and design of IDA programs legislatively to better serve historically oppressed and working poor families more effectively.     

Financial Capability,Asset Ownership,and Later-Age Immigration: Evidence From a Sample of Low-Income Older Asian Immigrants

We examined financial capability and asset ownership among low-income older Asian immigrants with special attention given to later-age immigrants who came to the United States when they were 55 years old or older. Survey data collected from supported employment program participants (N = 150) were used. The analyses demonstrated a low level of financial knowledge and asset ownership in the sample. The findings also indicated that later-age immigrants’ financial-management skills, knowledge of social programs, and asset ownership were significantly lower than those of young-age immigrants. These findings call for active interventions to enhance economic security among low-income older Asian immigrants.     

Assessing the Participation of Women in Microfinance Institutions: Evidence From a Multinational Study

ABSTRACT

Microfinance institutions (MFIs) typically offer small credit services with no collateral to low-income clients, particularly women microentrepreneurs. Evidence suggests that microcredit services are an effective tool for the social and financial empowerment of women and have a significant impact on maternal health, children's education, and sustainable economic growth. With multiple financial institutions offering various microfinance services, women's participation as borrowers has changed. We examine the variation in women borrowers’ participation rates in 105 developing countries by analyzing participation rates using selected determinants such as legal status, outreach, external control, and target clients. Results indicate a preference for unregulated MFIs, particularly nongovernmental organizations (NGOs), which suggests that in spite of the advent of formal financial institutions, women in developing countries are more likely to seek loans from grassroots MFIs. However, with more commercial banks offering microcredit and microsavings with a preference for borrowers with assets, women could be left behind. This raises important questions regarding the objectives of microfinance services and empowerment of women. Future studies should examine the impact of transformations of NGO MFIs on low-income women clients.     

Young adults in the United States and Benin reason about gendered cultural traditions

This study explored emerging and young adults’ reasoning about cultural practices in West Africa. American (Study 1, n = 78, M = 20.76 years) and Beninese (Study 2, n = 93, M = 23.61 years) undergraduates were surveyed about their evaluations of corporal punishment, scarification, and schooling restrictions in conditions where the practices had gender‐neutral or gender‐specified targets. In Study 1, the majority (69%) of American participants negatively evaluated the practices, especially when targets were female. However, the majority (73%) assumed the cultural practices were consensual. In Study 2, the majority (76%) of Beninese participants negatively evaluated the practices, and their evaluations did not vary by gender of the target. Few (10%) Beninese participants assumed the cultural practices were consensual. In both studies, emerging and young adults who initially judged practices positively changed their evaluations with a change in consent.     

Economic empowerment or cash‐dependency for orphans and vulnerable children in Kenya: Evidence from an alternative to cash‐only models

Orphan and vulnerable children (OVC) often have worse educational, developmental, nutritional, and behavioral outcomes than non‐OVC. Much of these disparities come from reduced household earnings due to the loss of parental income. The present study used conditional process analysis to evaluate income and savings among OVC households, using cross‐sectional data from 1,060 OVC in a 3‐year Kenyan empowerment program that combined elements of cash transfer, psychosocial support, and small business entrepreneurship. Higher monthly earnings were significantly associated with program participation in a graded fashion. Approximately one‐third of the association was mediated by material inputs, indicating that a substantial portion may be explained by other unobserved program elements. Eighty‐five percent of increased rates of saving money in the past year were mediated by improved monthly income, cash transferred and improved food consumption. Data analysis highlights the need for multisectoral approaches and the need for more research to understand how to improve household economic stability among OVC. Key Practitioner Message: ? Orphans and vulnerable children (OVC) are at risk of greater poverty, leading to multiple developmental and health challenges; ? Current policy in Kenya to offset costs of caring for OVC utilizes monthly cash transfers to households providing care for OVC; ? The present study found that increases in monthly income in an OVC multisectoral empowerment program were largely due to factors beyond the material inputs.     

Trajectories of team and individual sports participation in childhood and links with internalizing problems

The purpose of this 5-year longitudinal study is to identify trajectories of team and individual sports participation in childhood, and to compare these trajectories on different types of internalizing problems. Parents reported their children's annual sports participation from the ages of 6–10 (n = 785) and teachers reported internalizing problems (depression, anxiety, social withdrawal) at the beginning and at the end of this period. The study used latent class growth analyses to identify two trajectories of team sports and two trajectories of individual sports participation were identified: (1) high participation, and (2) low participation. Considering baseline level of internalizing problems and gender, children in the high participation team sports trajectory show significantly fewer depression, anxiety, and social withdrawal behaviors at age 10 than those in the low participation team sports trajectory. No differences between individual sports trajectories were observed. Comparison with joint trajectory groups partially confirmed these results but also showed that sustained participation in multiple individual sports could also be linked to decreased anxiety. Our findings suggest that participation in team sports should be encouraged to promote certain aspects of children's mental health.     

Who Uses Alternative Financial Services? A Latent Class Analysis of Consumer Financial Knowledge and Behavior

ABSTRACT

We examine the heterogeneity of alternative financial services (AFS) use by constructing an empirically rigorous typology of financial knowledge and behaviors. Using the 2012 National Financial Capability Study, we conducted latent class analysis of financial knowledge and behaviors to identify latent classes of AFS users (N = 25,509). The proportion of the distal outcome of AFS was investigated among latent classes. The latent classes in the best fitting model were regressed on demographic variables and selected covariates using multinomial logistic regression. Results indicate that five meaningful subgroups were found. Over half of the U.S. population struggles to establish and maintain savings and position themselves for future financial security and mobility (i.e., financially precarious (25.9%), financially striving (20.5%), and financially at-risk (18.4%) classes). The financially thriving class (27.7%) has the healthiest financial behaviors and the least probability of using AFS. The financially stable (7.4%) and financially at-risk (18.4%) classes have the highest probability of using AFS. Widespread use of AFS suggests a general consumer demand for the products and services. Future research is needed to inform policy and practice efforts to shape the formal financial system to meet the long-term financial needs of the majority of consumers.     

The Price Effects of Family Caps on Fertility Decisions of Poor Women

ABSTRACT

Family Caps have been a popular welfare reform policy designed to discourage women on welfare from bearing additional children. It has been thought that the principal mechanism through which a Cap achieves its objective of lower birth rates is the financial pressure placed on women by the denial of cash benefits. Our study uses instrumental variables Probit modeling to directly measure the contribution that price makes to Cap impact on births. We reexamine data from the New Jersey Family Development Program (n = 8,393) experiment and find that only a very small percentage (about 2.5%) of the overall Family Cap effect reported in earlier studies can be attributed to price. Moreover, the price effect holds only for short-term Black welfare recipients. We speculate that much of the unexplained Family Cap treatment effect stems from a message of social pressure and disapproval toward welfare receipt and childbearing on welfare. We offer a possible direction for future research which would directly measure the social disapproval component.     

Pathways to age-friendly communities in diverse urban neighborhoods: Do social capital and social cohesion matter?

ABSTRACT

Using a social capital and social cohesion lens, we reposition the concept of civic engagement among older adults to examine pathways for building age-friendly communities. We analyzed data drawn from a Community-Based Participatory Research study in the Southern U.S. that explored lived experiences of older adults, age 55 and above, who participated in individual interviews (n = 15) and six focus group discussions (n = 45) to examine their perceptions of social identity, social connectedness, and civic engagement geared toward an age-friendly city. Findings indicated that several older adults had access to social networks and socially invested resources, thereby having opportunities for civic engagement and building age-friendly neighborhoods. However, social, cultural, linguistic, and structural barriers were more evident among certain diverse ethnic populations. Marginalized low-income minorities and immigrants, such as Hispanic participants, felt the lack of social cohesion among the larger society limited their ability to give back, thus decreasing their civic engagement activities. In contrast, Caucasian and African-American older adults were able to contribute to the political process through more civic participation activities. We provide implications for examining the role of social capital and social engagement to bolster civic engagement among older adults in building age-friendly communities.     

Youth and parent perceptions of aftercare supports at discharge from residential care

While much is known about youth struggles after reintegration into the home and community settings following stays in out‐of‐home care, little is known about appropriate supports for aftercare, or parent (see Note ¹ ) and youth perceptions during this critical transition period. This study seeks to begin to address these questions through surveys evaluating youth (n = 48) and parent (n = 48) perceptions of (i) transition planning, family preparedness and aftercare; (ii) youth preparedness for the transition period across major life domains (e.g. education, health care, relationships); and (iii) the importance of specific aftercare supports and services. Results indicate differences between youth and parents on perceptions of need for continued supports, likelihood of participation in aftercare programs; and youth preparedness for success in relationships, family and independent living domains. In contrast, similarities were found on youth and parent ratings regarding the importance of specific services and supports, with both groups indicating supports in education as most important and supports in mental health as least. Study limitations, future research and implications are provided.     

Welfare Workers' Cultural Models of Domestic Violence

ABSTRACT

Despite progress in policies and services for domestic violence, service use remains lower than the need suggests. This study, an analysis from a larger project on social service providers, examines welfare workers' shared beliefs about domestic violence. Using a mixed method design utilizing pile sorts (n = 38; 11 child welfare and 29 financial assistance), a survey (n = 57; 24 child welfare and 33 financial assistance), and in-depth interviews (n = 3; two child welfare and one financial assistance)—workers organized their ideas about factors that contribute to domestic violence, rated the factors along key dimensions of meaning (importance, controllability, characteristics of victims or perpetrators, and cause or effect), and shared experiences of their work with domestic violence cases. Financial assistance and child welfare workers organized their beliefs similarly demonstrating consensus on the importance of the factors, and shared beliefs about the factors that were causes and effects of domestic violence. In interviews, child welfare workers emphasized their focus on systems and collaboration. Despite areas of agreement, child welfare and financial assistance workers did not demonstrate consensus on ideas about domestic violence overall. The findings have implications for practice, specifically for improving responses to domestic violence and increasing the use of domestic violence services.     

Effects of an Individual Development Account Program on Retirement Saving: Follow-up Evidence From a Randomized Experiment

We examine the 10-year follow-up effects on retirement saving of an individual development account (IDA) program using data from a randomized experiment that ran from 1998 to 2003 in Tulsa, Oklahoma. The IDA program included financial education, encouragement to save, and matching funds for several qualified uses of the saving, including contributions to retirement accounts. The results indicate that as of 2009, 6 years after the program ended, the IDA program had no impact on the propensity to hold a retirement account, the account balance, or the sufficiency of retirement balances to meet retirement expenses.