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Asset Building Financial Inclusion Report

Saving, IDA Programs, and Effects of IDAs: A Survey of Participants

By CSD • July 1, 2001October 31, 2018

Individual Development Accounts (IDAs) are special savings accounts designed to help people build assets to reach life goals and to achieve long-term security. Account-holders receive matching funds as they save for purposes such as buying a first home, attending job training, going to college, or financing a small business. Research has shown that most low-income participants save in IDAs (Sherraden et al., 2000). But what do participants think about the match rates, the withdrawal restrictions, and other institutional attributes of IDAs? How do they manage to set aside money for IDA deposits? And what effects do they perceive from their participation in IDA programs?

Project: American Dream Policy Demonstration (ADD)

Citation

Moore, A., Beverly, S. G., Schreiner, M., Sherraden, M., Lombe, M., Cho, E. Y. N., Johnson, L., & Vonderlack, R. (2001). Saving, IDA programs, and effects of IDAs: A survey of participants (CSD Report No. 01-24). St. Louis, MO: Washington University, Center for Social Development.

View Publication
2001Amanda Moore McBrideAmerican Dream Policy Demonstration (ADD)esther choindividual development account (ida)Lissa Johnsonmargaret lombeMark SchreinerMichael Sherradenrebecca vonderlackSondra Beverly

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