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1.
This study aims to examine the extent to which competing theories explain saving of low-income households in Individual Development Accounts (IDAs). Competing theories include the individual-oriented perspective, a social stratification perspective, and institutional saving theory. We use American Dream Demonstration (ADD) data collected at the Tulsa IDA program. Compared with the individual perspective and the social stratification perspective, institutional features explain a large part of the variance in saving outcomes measured by average monthly net deposit (AMND) and deposit frequency. Findings suggest that institutional structures encouraging low-income households to save may contribute to more inclusive asset-based policy. 相似文献
2.
This article explores an innovation in teaching policy practice at the undergraduate level. It analyzes an experiential learning model that uses current social challenges as a compelling way to generate student learning about policy practice. Over the course of the semester, students examine antecedents, current issues, and potential solutions to a contemporary social issue through a series of assignments that build knowledge and skills and link the topic to larger social policy concerns. Using quantitative and qualitative evidence from seven semesters, the article explores benefits and challenges of this approach to teaching, and derives lessons for social work education. 相似文献
3.
Michael Sherraden 《International Journal of Social Welfare》2003,12(2):97-107
The trend toward individual asset accounts in social security, and the regressivity of these accounts, provide the motivation for this article. The article asks: why not asset building for the poor as well? Research on Individual Development Accounts in the United States finds that the poor can save when they have a structure and incentive to do so. Steps toward universal and progressive asset‐based policy are pointed out in Singapore, the United States and the United Kingdom. Future policy directions and challenges are considered. 相似文献
4.
Michal Grinstein‐Weiss Min Zhan Michael Sherraden 《Journal of marriage and the family》2006,68(1):192-204
Research indicates that marriage has a large effect on reducing the risk of poverty and is associated with a higher probability of attaining affluence over the life course when compared with nonmarriage. Using data from the American Dream Demonstration (N =2,364), this study compares savings performances of married and unmarried low‐income participants in a matched savings program—Individual Development Accounts. The results indicate that both married and unmarried low‐income participants can save in Individual Development Accounts. After controlling for program and other participant characteristics, there were no significant differences in savings between married and unmarried participants. We further examined possible factors that are associated with Individual Development Account savings performance for these two groups. 相似文献
5.
This study aims to develop a greater understanding of age differences in savings outcomes within Individual Development Accounts (IDAs). Participant data from the American Dream Demonstration (ADD) are examined for age differences in accumulated net deposits, average monthly net deposits, and deposit frequency. ADDprogram data are examined for savings match rates, monthly savings targets, direct deposit, and hours of financial education offered. Results indicate that, on average, older IDA participants have better savings outcomes than younger participants. Findings from this study suggest that impoverished middleaged and older adults can save if provided an opportunity and incentives. However, success will depend on the characteristics of the programs. 相似文献
6.
Margaret Sherrard Sherraden Lissa Johnson Baorong Guo William ElliottIII 《Journal of Family and Economic Issues》2011,32(3):385-399
A groundswell of interest in young people’s ability to understand and handle financial decisions has generated keen interest
in financial knowledge and effectiveness of financial education. This study examines an innovative four-year school-based
financial education and savings program, called “I Can Save” (ICS). Using a quasi-experimental design, the study examines
quantitative and qualitative data to analyze program effects on financial knowledge. Elementary school children who participated
in ICS scored significantly higher on a financial literacy test taken in fourth grade than comparison group students in the
same school, regardless of parent education and income. Results suggest that young children increase financial capability
when they have access to financial education and it is accompanied by participation in meaningful financial services. 相似文献
7.
Ansong David Okumu Moses Otchere Frank Koomson Isaac Sherraden Michael 《Journal of Family and Economic Issues》2021,42(4):745-756
Journal of Family and Economic Issues - Cost-sharing between governments and families remains a strategic part of many governments’ post-secondary education funding policies in low-income... 相似文献
8.
Jin Huang Yunju Nam Michael Sherraden Margaret Clancy 《Asia Pacific journal of social work》2019,29(1):34-47
ABSTRACTThis study examines the impact of Child Development Accounts (CDAs) on parenting practices of mothers with young children in a statewide randomised experiment conducted in the United States. The experiment included 2704 primary caregivers of children born in Oklahoma during 2007: 1358 were randomly assigned to the treatment group and 1346 to the control group. Structural equation modelling suggests that the punitive-parenting score among treatment participants was .12 standard deviations smaller than that among control participants (p < . 05). Findings indicate that CDAs reduce punitive parenting, and may serve as an additional tool for positive parent–child interactions. 相似文献
9.
ABSTRACTChild Development Accounts (CDAs) are subsidised savings or investment accounts that enable families to accumulate assets to invest in children’s long-term development. Ideally, CDAs are universal (everyone participates), progressive (greater subsidies for the poor) and lifelong (beginning at birth). This introduction provides a theoretical and policy background of CDAs in the global context, summarises seven papers in this volume and creates a vision for future CDA development. 相似文献
10.
ABSTRACTSingapore has created innovative, inclusive and comprehensive asset-building policies designed to promote social stability and development. Asset building from early childhood is an important part of this overall strategy. In 1993, Singapore’s government initiated a universal child asset-building policy, Edusave, which provides resources for improving educational outcomes. Since then, three additional asset-building policies for children have been implemented: the Baby Bonus and Child Development Accounts (CDAs), Post-Secondary Education Accounts (PSEAs) and Medisave, a health savings account. We discuss each of these asset-building accounts for children in Singapore. We point out distinctive features and assess key elements in overall policy design. 相似文献