Download or read book The Role of Institutions in the Saving Participation and Performance of Low income Households in Individual Development Accounts written by Jami Carol Curley and published by . This book was released on 2004 with total page 240 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Role of Institutions In Low income Households Saving Behavior written by Jami Curley and published by . This book was released on 2010-02 with total page 140 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Can the Poor Save written by Michael Sherraden and published by Routledge. This book was released on 2017-09-08 with total page 385 pages. Available in PDF, EPUB and Kindle. Book excerpt: Many policymakers argue that the best poverty policy not only provides cash to the poor for subsistence but also incentives and structures that encourage long-term social and economic improvement. As part of this, they make the case for Individual Development Accounts (IDAs), a new policy proposal designed to help the poor save and to build assets. This book explores IDAs to determine their effectiveness. IDAs are matched savings accounts targeted on low-income, low-wealth individuals. Savings in IDAs are used for home ownership, post-secondary education, small business development, and other purposes. Do IDAs work? If they do, for whom? And does how an IDA is designed determine savings outcomes? This volume is the first analysis of matched savings by the poor to use data from monthly bank statements. It comes at a critical time, as debate rages over the merits of individual social security accounts. IDAs also respond to policy that is becoming more asset based and less inclusive of the poor. The authors argue for the efficacy of IDAs to counter this tendency. They find that while savings outcomes vary among participants, no characteristics (such as low income or public assistance) preclude saving. They examine effects of IDA design (the match rate, savings targets, and the use of automatic transfer) on savings results and analyze factors that influence varying rates of saving and spending over time. They conclude that financial education and other support services, though costly, improve savings performance. To address the issue of cost they suggest a two-tier system of IDA design, one with broad access and simple services and the other with targeted access and intensive services. Can the Poor Save? offers a wealth of lessons to those interested in saving and asset accumulation among the poor. It not only breaks new ground in the scientific study of savings behavior, but also offers concrete, evidence-based recommendations to improve policies designed to encourage the poor to save and how to make such policies more inclusive.
Download or read book Financial Education and Capability written by Julie Birkenmaier and published by Oxford University Press. This book was released on 2013-02-21 with total page 380 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book introduces the concept of financial capability and assembles the latest evidence from ground-breaking innovations with financially vulnerable families, and links it to education, policy, and practice. It is a key resource for those interested in improving financial education and financial products and services for low-income families.
Download or read book Asset Building and Low income Families written by Signe-Mary McKernan and published by The Urban Insitute. This book was released on 2008 with total page 304 pages. Available in PDF, EPUB and Kindle. Book excerpt: Low-income families have scant savings to cushion a job loss or illness, and can find economic mobility impossible without funds to invest in education, homes, or businesses. And though a lack of resources leaves such families vulnerable, income-support programs are often closed to those with a bit of savings or even a car. Considering welfare-to-work reforms, the increasingly advanced skill demands of the American workforce, and our stretched Social Security system, such an approach is inadequate to lift families out of poverty. Asset-based policies--allowing or even helping low-income families build wealth--are an increasingly popular strategy to facilitate financial stability.
Download or read book Financial Capability and Asset Development written by Julie Birkenmaier and published by Oxford University Press. This book was released on 2013-01-11 with total page 380 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book introduces the concept of financial capability and assembles the latest evidence from ground-breaking innovations with financially vulnerable families, and links it to education, policy, and practice. This book is a key resource for those interested in improving financial education and financial products and services for low-income families.
Download or read book Dissertation Abstracts International written by and published by . This book was released on 2005 with total page 620 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Bringing More Unbanked Americans Into the Financial Mainstream written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 2003 with total page 72 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Clearinghouse Review written by and published by . This book was released on 2006 with total page 750 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Inclusive Child Development Accounts written by Jin Huang and published by Routledge. This book was released on 2020-05-21 with total page 184 pages. Available in PDF, EPUB and Kindle. Book excerpt: Inclusive Child Development Accounts showcases the global context of emerging asset-building policies and programmes around Child Development Accounts. Child Development Accounts (CDAs) are subsidized accounts that enable families to accumulate assets to invest in children’s development and life goals, such as postsecondary education, homeownership, business development, and retirement security. The vision for CDAs is to be universal (meaning everyone participates), progressive (meaning greater subsidies for the poor), and lifelong (meaning from the cradle to the grave). Since 1991, schools, communities, states, provinces, and entire countries have launched various CDA programs and policies. In the first part of the volume, scholars highlight the core feature of "inclusiveness" of CDAs in Singapore, Israel, and the United States. In the second part, scholars report on CDA policies and projects in Taiwan, Uganda, Korea, and mainland China. Showing how asset building can be effective in diverse cultural and social contexts, and that all these contexts emphasize the investing in children early in life and empowering of them to achieve their potential as productive citizens, Inclusive Child Development Accounts will be of great interest to scholars of social work, policy, investment, and development, as well as financial inclusivity. It originally published as a special issue of the Asia Pacific Journal of Social Work and Development.
Download or read book Inclusion in the American Dream written by Michael Wayne Sherraden and published by Oxford University Press. This book was released on 2005 with total page 432 pages. Available in PDF, EPUB and Kindle. Book excerpt: 'Inclusion in the American Dream' brings together leading scholars & policy experts on the topic of asset building, particularly as this relates to public policy. The poor, for the most part, do not participate in asset accumulation. The challenge is to expand the asset-based policy structure so that everyone is included.
Download or read book Striving to Save written by Margaret Sherrard Sherraden and published by University of Michigan Press. This book was released on 2010-05-25 with total page 205 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Striving to Save will inform and inspire social policy with its breakthrough approach in understanding how low-income families make ends meet while striving to make a better life for themselves and their families. Scholarly work in savings, debt, household finance, and behavior economics will benefit from this pioneering study that provides real-life context for some of the most important issues of our day." ---Tom Shapiro, Brandeis University "The central contribution of the book is to use original qualitative research to provide readers with a nuanced understanding of the financial difficulties facing low-income households, their financial decision-making processes, and their paths to saving and building assets over time. The book provides an essential corrective to the unidimensional view of poor households as unable and unwilling to save." ---Michael Barr, University of Michigan In Striving to Save, Margaret Sherrard Sherraden and Amanda Moore McBride examine savings in eighty-four working families with low incomes, including fifty-nine families who participated in a groundbreaking program of matched savings and financial education. In-depth interviews with these families, along with savings and survey data, shed light on saving in low-income households. The book concludes with recommended public policy approaches for increasing savings in households that are striving to save. Margaret Sherrard Sherraden is Professor of Social Work at the University of Missouri, St. Louis. Amanda Moore McBride is Assistant Professor of Social Work at Washington University, St. Louis.
Download or read book Federal Register written by and published by . This book was released on 2013-02 with total page 372 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Departments of Labor Health and Human Services Education and Related Agencies Appropriations for 2008 written by United States. Congress. House. Committee on Appropriations. Subcommittee on the Departments of Labor, Health and Human Services, Education, and Related Agencies and published by . This book was released on 2007 with total page 2470 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Child Welfare Research written by Duncan Lindsey and published by Oxford University Press. This book was released on 2008-04-25 with total page 412 pages. Available in PDF, EPUB and Kindle. Book excerpt: During the last decade there have been major advances in research in child welfare, the largest specialty within social work. The focus of this research has been on improving current child welfare practices and programs that protect children from abuse and neglect. The major policy and program changes in the child welfare system have been guided by these research studies, spurred by federal and state emphasis on monitoring child welfare outcomes and identifying best practices. This landmark collection gathers those research developments- and how they have been translated into policies, programs, and practice- in a single volume for the first time. Duncan Lindsey, one of the nation's foremost child welfare scholars, and Aron Shlonsky have assembled a case of the giants in the field who analyze developments in adoption, foster care, risk assessment, CPS work, welfare reform, poverty, decision making, and epidemiological studies. The final section of the book details new approaches to programs designed to combat child maltreatment and child poverty. This volume, with its unparalled breadth, depth, and up-to-date content, will define the state of the field and serve as an invaluable reference for child welfare scholars and practitioners alike.
Download or read book Departments of Labor Health and Human Services Education and Related Agencies Appropriations for 2014 Outside witness testimony written by United States. Congress. House. Committee on Appropriations. Subcommittee on the Departments of Labor, Health and Human Services, Education, and Related Agencies and published by . This book was released on 2013 with total page 1020 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Can the Poor Save written by Michael Sherraden and published by Routledge. This book was released on 2017-09-08 with total page 388 pages. Available in PDF, EPUB and Kindle. Book excerpt: Many policymakers argue that the best poverty policy not only provides cash to the poor for subsistence but also incentives and structures that encourage long-term social and economic improvement. As part of this, they make the case for Individual Development Accounts (IDAs), a new policy proposal designed to help the poor save and to build assets. This book explores IDAs to determine their effectiveness. IDAs are matched savings accounts targeted on low-income, low-wealth individuals. Savings in IDAs are used for home ownership, post-secondary education, small business development, and other purposes. Do IDAs work? If they do, for whom? And does how an IDA is designed determine savings outcomes? This volume is the first analysis of matched savings by the poor to use data from monthly bank statements. It comes at a critical time, as debate rages over the merits of individual social security accounts. IDAs also respond to policy that is becoming more asset based and less inclusive of the poor. The authors argue for the efficacy of IDAs to counter this tendency. They find that while savings outcomes vary among participants, no characteristics (such as low income or public assistance) preclude saving. They examine effects of IDA design (the match rate, savings targets, and the use of automatic transfer) on savings results and analyze factors that influence varying rates of saving and spending over time. They conclude that financial education and other support services, though costly, improve savings performance. To address the issue of cost they suggest a two-tier system of IDA design, one with broad access and simple services and the other with targeted access and intensive services. Can the Poor Save? offers a wealth of lessons to those interested in saving and asset accumulation among the poor. It not only breaks new ground in the scientific study of savings behavior, but also offers concrete, evidence-based recommendations to improve policies designed to encourage the poor to save and how to make such policies more inclusive.
