Asset Building Financial Inclusion Report

Impact of Asset Ownership on Social Inclusion

Persistent poverty and social exclusion suggest the need for more innovative interventions to reduce severe need and create terms for meaningful participation of vulnerable individuals in economic, political, and social exchange. One such innovation is asset ownership. This study explores the relationship between asset ownership and social inclusion using the human capabilities approach. Findings indicate a significant relationship, suggesting a role for asset-based policy and programs in interventions to foster social inclusion.

Project: American Dream Policy Demonstration (ADD)


Lombe, M., & Sherraden, M. (2005). Impact of asset ownership on social inclusion (CSD Working Paper No. 05-06).  St. Louis, MO: Washington University, Center for Social Development.