Financial Inclusion

Elliott, W., III, Song, H-a., & Nam, I. (2013). Small-dollar children’s savings accounts, income, and college outcomes (CSD Working Paper No. 13-06). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/K73N22XD

Elliott, W., III. (2013). Small-dollar children’s savings accounts and college outcomes (CSD Working Paper No. 13-05). St. Louis, MO: Washington University, Center for Social Development.

Elliott, W., III, & Nam, I. (2013). Reducing student loan debt through parents’ college savings (CSD Working Paper No. 13-07). St. Louis, MO: Washington University, Center for Social Development.

Chowa, G. A. N., Ansong, D., & Osei-Akoto, I. (2012, December). Parental involvement and academic performance in Ghana (YouthSave Research Brief No. 12-42). St. Louis, MO: Washington University, Center for Social Development.

Chowa, G. A. N., Masa, R., & Osei-Akoto, I. (2012, December). Youth and their health in Ghana (YouthSave Research Brief No. 12-41). St. Louis, MO: Washington University, Center for Social Development.

Chowa, G. A. N., Ansong, D., Masa, R., Despard, M. R., Osei-Akoto, I., Richmond, A.-A., Agyei-Holmes, A., & Sherraden, M. (2012). Youth and saving in Ghana: A baseline report from the YouthSave Ghana Experiment (CSD Research Report No. 12-56). St. Louis, MO: Washington University, Center for Social Development.

Elliott, W., III, Beverly, S. G., Black, R., & Shapiro, T. M. (2012). Linking savings and educational outcomes: Charting a course for scholarship and policy [Assets and Education Research Symposium Report]. St. Louis, MO: Washington University, Center for Social Development.

Gray, K., Clancy, M., Sherraden, M. S., Wagner, K., & Miller-Cribbs, J. E. (2012). Interviews with mothers of young children in the SEED for Oklahoma Kids college savings experiment (CSD Research Report No. 12-53). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/K779445X

Grinstein-Weiss, M., Sherraden, M., Gale, W., Rohe, W. M., Schreiner, M., & Key, C. (2012). Effects of an Individual Development Account program on retirement saving: Follow-up evidence from a randomized experiment (CSD Working Paper No. 12-54). St. Louis, MO: Washington University, Center for Social Development.

Nam, Y., Huang, J., Heflin, C., & Sherraden, M. (2012). Racial and ethnic disparities in food insufficiency: Evidence from a statewide probability sample of White, African American, American Indian, and Hispanic infants (CSD Working Paper No. 12-45). St. Louis, MO: Washington University, Center for Social Development.

Loke, V., Libby, M., & Choi, L. (2012, October). MY Path: An innovative initiative to increase financial capability among economically vulnerable youth (MY Path Research Brief). San Francisco: Mission SF Community Financial Center.

Grinstein-Weiss, M., Sherraden, M., Rohe, W. M., Gale, W., Schreiner, M., & Key, C. (2012). Long-term follow-up of Individual Development Accounts: Evidence from the ADD experiment (CSD Report 12-43). St. Louis, MO: Washington University, Center for Social Development.

Huang, J., Beverly, S. G., Clancy, M., Lassar, T., & Sherraden, M. (2011). Early program enrollment in a statewide Child Development Account program (CSD Working Paper No. 11-23). St. Louis, MO: Washington University, Center for Social Development.

Johnson, L., Lee, Y., Osei-Akoto, I., Njenga, M., & Sharma, S. (2012, July). Product pilot report: Youth savings performance in Ghana, Kenya, and Nepal (YouthSave Research Brief No. 12-38). St. Louis, MO: Washington University, Center for Social Development.

Mason, L. R., Nam, Y., & Kim, Y. (2012). Validity of infant race/ethnicity from birth certificates in the context of U.S. demographic change (CSD Working Paper No. 12-40). St. Louis, MO: Washington University, Center for Social Development.

Deng, S., Huang, J., Jin, M., & Sherraden, M. (2012). Household assets, school enrollment and parental aspirations for children’s education in rural China: Does gender matter? (CSD Working Paper No. 12-39). St. Louis, MO: Washington University, Center for Social Development.

Boshara, R. (2012, June). From asset building to balance sheets: A reflection on the first and next 20 years of federal assets policy (CSD Perspective No. 12-24). St. Louis, MO: Washington University, Center for Social Development.

Chowa, G. A. N., Despard, M. R., & Osei-Akoto, I. (2012, July). Financial knowledge and attitudes of youth in Ghana (YouthSave Research Brief No. 12-37). St. Louis, MO: Washington University, Center for Social Development.

Chowa, G. A. N., Despard, M. R., & Osei-Akoto, I. (2012, July). Youth saving patterns and performance in Ghana (YouthSave Research Brief No. 12-36). St. Louis, MO: Washington University, Center for Social Development.

Chowa, G. A. N., Masa, R., & Osei-Akoto, I. (2012, July). Youth in the Ghana Experiment: Characteristics and living conditions (YouthSave Research Brief No. 12-35). St. Louis, MO: Washington University, Center for Social Development.

Beverly, S. G., Kim, Y., Sherraden, M., Nam, Y., & Clancy, M. (2012, July). Socioeconomic status and early savings outcomes: Evidence from a statewide Child Development Account experiment (CSD Research Brief No. 12-34). St. Louis, MO: Washington University, Center for Social Development.

Loke, V. (2012). Parental asset accumulation trajectories and children’s college outcomes (CSD Working Paper No. 12-33). St. Louis, MO: Washington University, Center for Social Development.

Kim, Y., Lee, S., & Sherraden, M. (2012). Seoul Hope Plus Savings Accounts: Asset-building program for low-income households in Seoul (Third-year collaborative research report) (CSD Report No. 12-32). St. Louis, MO: Washington University, Center for Social Development.

Bass, J. (2012). Closing the wealth gap: Building family & community economic success (Southern Regional Asset Building Coalition Report). St. Louis, MO: Washington University, Center for Social Development.

Beverly, S. G., Kim, Y., Sherraden, M., Nam, Y., & Clancy, M. (2014). Are Child Development Accounts inclusive? Early evidence from a statewide experiment (CSD Working Paper No. 12-30). St. Louis, MO: Washington University, Center for Social Development.

Beverly, S. (2012). Assets for independence: Asset building for and by young people (CSD Working Paper No. 12-27). St. Louis, MO: Washington University, Center for Social Development.

Sherraden, M. S., Peters, C., Wagner, K., Clancy, M., & Guo, B. (2012). Contributions of qualitative research to understanding saving theory for children and youth (CSD Working Paper No. 12-23). St. Louis, MO: Washington University, Center for Social Development.

Chowa, G. A. N., Masa, R. D., Wretman, C. J., & Ansong, D. (2012). The impact of household possessions on youth’s academic achievement in the Ghana YouthSave experiment: A propensity score analysis (CSD Working Paper No. 12-17). St. Louis, MO: Washington University, Center for Social Development.

Center for Social Development, Institute for Statistical, Social, and Economic Research, Kenya Institute for Public Policy Research & Analysis, New ERA, & Universidad de los Andes. (2012, April). Challenges and opportunities for youth saving (YouthSave Research Brief No. 12-16). St. Louis, MO: Washington University, Center for Social Development.

Center for Social Development, Institute for Statistical, Social, and Economic Research, Kenya Institute for Public Policy Research & Analysis, New ERA, & Universidad de los Andes. (2012, April). Youth-related policies (YouthSave Research Brief No. 12-15). St. Louis, MO: Washington University, Center for Social Development.

Huang, J., Nam, Y., & Sherraden, M. S. (2012). Financial knowledge and Child Development Account policy: A test of financial capability (CSD Working Paper No. 12-19). St. Louis, MO: Washington University, Center for Social Development.

Huang, J. (2012). Intergenerational transmission of educational attainment (CSD Working Paper No. 12-18). St. Louis, MO: Washington University, Center for Social Development.

Friedline, T., Elliott, W., III, & Chowa, G. (2012). Testing an asset-building approach for young people: Early access to savings predicts later savings (CSD Working Paper No. 12-12). St. Louis, MO: Washington University, Center for Social Development.

Zhan, M. (2012). The impact of youth debt on college graduation (CSD Working Paper No. 12-11). St. Louis, MO: Washington University, Center for Social Development.

Cheatham, G. A., & Elliott, W., III. (2012). The effects of college savings on postsecondary school enrollment rates of students with disabilities (CSD Working Paper No. 12-13). St. Louis, MO: Washington University, Center for Social Development.

Kim, Y., Sherraden, M., & Clancy, M. (2012). Parental educational expectations by race/ethnicity and socioeconomic status (CSD Working Paper No. 12-10). St. Louis, MO: Washington University, Center for Social Development.

Elliott, W., III, & Friedline, T. (2012). “You pay your share, we’ll pay our share”: The college cost burden and the role of race, income, and college assets (CSD Working Paper No. 12-09). St. Louis, MO: Washington University, Center for Social Development.

Webley, P., & Nyhus, E. (2012). Economic socialization, saving, and assets in European young adults (CSD Working Paper No. 12-01). St. Louis, MO: Washington University, Center for Social Development.

Shanks, T. R., & Robinson, C. (2012). Assets, economic opportunity, and toxic stress: A framework for understanding child and educational outcomes (CSD Working Paper No. 12-22). St. Louis, MO: Washington University, Center for Social Development.

Grinstein-Weiss, M., Sherraden, M., Gale, W., Rohe, W. M., Schreiner, M., & Key, C. (2012). Individual Development Accounts and post-secondary education: Evidence from a randomized experiment (CSD Working Paper No. 12-21). St. Louis, MO: Washington University, Center for Social Development.

Otto, A. (2012). Saving in childhood and adolescence: Insights from developmental psychology (CSD Working Paper No. 12-20). St. Louis, MO: Washington University, Center for Social Development.

Rothwell, D. W., & Sultana, N. (2012). Cash-flow and savings practices of low-income households: Evidence from a follow-up study of IDA participants (CSD Working Paper No. 12-07). St. Louis, MO: Washington University, Center for Social Development.

Elliott, W., III. (2012). Ideas for refining children’s savings account proposals (Creating a Financial Stake in College, Report No. IV). Washington, DC: New America Foundation and Washington University, Center for Social Development.

Elliott, W., III. (2012). We save, we go to college (Creating a Financial Stake in College, Report No. III). Washington, DC: New America Foundation and Washington University, Center for Social Development

Nam, Y., Wikoff, N., & Sherraden, M. (2012). Parenting stress among White, Black, American Indian, and Hispanic mothers: Evidence from a statewide sample of new mothers (CSD Working Paper No. 12-06). St. Louis, MO: Washington University, Center for Social Development.

Elliott, W., III. (2012). Does structural inequality begin with a bank account? (Creating a Financial Stake in College, Report No. II). Washington, DC: New America Foundation and Washington University, Center for Social Development.

Elliott, W., III. (2012). Why policy makers should care about children’s savings (Creating a Financial Stake in College, Report No. I). Washington, DC: New America Foundation and Washington University, Center for Social Development.

Huang, J., Jin, M., Deng, S., Guo, B., Zou, L., & Sherraden, M. (2011). Asset poverty in urban China: A study using the 2002 Chinese Household Income Project (CSD Working Paper No. 11-35). St. Louis, MO: Washington University, Center for Social Development.

Elliott, W., III, Webley, P., & Friedline, T. (2011). Two accounts for why adolescent savings is predictive of young adult savings: An economic socialization perspective and an institutional perspective (CSD Working Paper No. 11-34). St. Louis, MO: Washington University, Center for Social Development.

Center for Social Development. (2011). Broad and deep: The extensive learning agenda in YouthSave [Report]. St. Louis, MO: Washington University, Center for Social Development.

Nam, Y., Kim, Y., Clancy, M., Zager, R., & Sherraden, M. (2011). Do Child Development Accounts promote account holding, saving, and asset accumulation for children’s future? Evidence from a statewide randomized experiment (CSD Working Paper No. 11-33). St. Louis, MO: Washington University, Center for Social Development.

Elliott, W., III. (2011). When effort and ability are not enough to reduce the college enrollment gap, does college savings help? (CSD Working Paper No. 11-31). St. Louis, MO: Washington University, Center for Social Development.

Elliott, W., III, Nam, I., & Johnson, T. (2011). A process model of children’s savings indirect effects on college progress (CSD Working Paper No. 11-30). St. Louis, MO: Washington University, Center for Social Development.

Elliott, W., III, Chowa, G., & Loke, V. (2011).Toward a children’s savings and college-bound identity intervention for raising college attendance rates: A multilevel propensity score analysis (CSD Working Paper No. 11-29). St. Louis, MO: Washington University, Center for Social Development.

Seasonal water insecurity is a social and climate-related problem of growing concern in many urban areas. From 2000 to 2050, the global urban population affected by seasonal water shortage is projected to increase from 312 million to 1.3 billion. This increase is due to a combination of drivers, including population growth, urbanization, and climate change. To advance understanding of the social dimensions of this problem, this study uses qualitative methods—archival research, informal interviews (N=7), and in-depth interviews (N=15)—to explore how gender and assets relate to water insecurity in the rainy and dry seasons in three urban neighborhoods in Baguio City, the Philippines. Analytic methods include memo production and qualitative text analysis. Key findings are that households manage complex water portfolios that change seasonally or more frequently; women and men have gendered roles in managing water portfolios, providing versus managing income for water purchases, and physically carrying water; and particular forms of physical, financial, and social assets seem to matter for reducing seasonal water insecurity in ways that may be gendered as well. Implications for more gender-sensitive and asset-focused research and policy are discussed.

Lassar, T., Clancy, M., & McClure, S. (2011). College savings match programs: Design and policy (CSD Working Paper No. 11-28). St. Louis, MO: Washington University, Center for Social Development.

Center for Social Development. (2011). Experiment in Ghana off to a good start (YouthSave Ghana Research Update). St. Louis, MO: Washington University, Center for Social Development.

Zou, L., Sherraden, M., Guo B., Huang, J., Deng, S., & Jin, M. (2011, July). Asset-based policy in China: Applied project and policy progress (CSD Policy Brief No. 11-24). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/K7M32V8J

Kim, Y., Zou, L., Joo, Y. S., & Sherraden, M. (2011, July). Asset-based policy in South Korea (CSD Policy Brief No. 11-22). St. Louis, MO: Washington University, Center for Social Development.

Kim, Y., Lee, S., & Kim, M. (2011). Seoul Hope Plus Savings Accounts: Asset-building program for low-income households in Seoul (Second-year collaborative research report) (CSD Report No. 11-20). St. Louis, MO: Washington University, Center for Social Development.

Elliott, W., III, & Nam, I. (2011, June). Direct effects of assets and savings on the college progress of Black young adults (CSD Research Brief No. 11-18). St. Louis, MO: Washington University, Center for Social Development.

Elliott, W., III, Choi, E. H., Destin, M., & Kim, K. H. (2011, June). The age old question, which comes first? A simultaneous test of children’s savings and children’s college-bound identity (CSD Research Brief No. 11-17).  St. Louis, MO: Washington University, Center for Social Development.

Elliott, W., III, Constance-Huggins, M., & Song, H. (2011, June). Reducing the college progress gap between low- to moderate-income (LMI) and high-income (HI) young adults: Assets as an understudied form of economic capital (CSD Research Brief No. 11-16). St. Louis, MO: Washington University, Center for Social Development.

Elliott, W., III, Constance-Huggins, M., & Song, H. (2011). Reducing the college progress gap between low- to moderate-income (LMI) and high-income (HI) young adults (CSD Working Paper No. 11-15). St. Louis, MO: Washington University, Center for Social Development.

Elliott, W., III, & Nam, I. (2011). Direct effects of assets and savings on the college progress of Black young adults (CSD Working Paper No. 11-14). St. Louis, MO: Washington University, Center for Social Development.

Wider Opportunities for Women & Center for Social Development. (2010). The Basic Economic Security Tables for the United States [Report]. Washington, DC: Author. https://doi.org/10.7936/K71G0KT5

Grinstein-Weiss, M., Sherraden, M., Gale, W., Rohe, W. M., Schreiner, M., & Key, C. (2011). Ten-year impacts of Individual Development Accounts on homeownership: Evidence from a randomized experiment (CSD Working Paper No. 11-07). St. Louis, MO: Washington University, Center for Social Development.

Elliott, W., III, Destin, M., & Friedline, T. (2011). Taking stock of ten years of research on the relationship between assets and children’s educational outcomes: Implications for theory, policy, and intervention (CSD Working Paper No. 11-08). St. Louis, MO: Washington University, Center for Social Development.

Loke, V. (2011). Financial capabilities of service providers: Results of an online survey of the asset-building field in Washington State (CSD Research Report No. 11-03). St. Louis, MO: Washington University, Center for Social Development.

Center for Social Development. (2011, March). College success and college savings plan innovations: A summary of research (CSD Research Summary No. 11-40). St. Louis, MO: Author.

Heffern, J., & Riley, A. (2011). Closing the wealth gap: Promoting change by working together (Southern Regional Asset Building Coalition Report). St. Louis, MO: Washington University, Center for Social Development.

Elliott, W., III, Choi, E. H., Destin, M., & Kim, K. H. (2011). The age old question, which comes first? A simultaneous test of children’s savings and children’s college-bound identity (CSD Working Paper No. 11-04).  St. Louis, MO: Washington University, Center for Social Development.

Nam, Y., Mason, L. R., Kim, Y., Clancy, M., & Sherraden, M. (2011). Survey response in a statewide social experiment: Differences in being located and collaborating by race and Hispanic origin (CSD Working Paper No. 11-01). St. Louis, MO: Washington University, Center for Social Development

Sanders, C. (2010). Savings outcomes of an IDA program for survivors of domestic violence (CSD Research Report No. 10-42). St. Louis, MO: Washington University, Center for Social Development.

Zager, R., Kim, Y., Nam, Y., Clancy, M., & Sherraden, M. (2010, November). The SEED for Oklahoma Kids Experiment: Initial account opening and savings (CSD Research Brief No. 10-41). St. Louis, MO: Washington University, Center for Social Development.

Zager, R., Kim, Y., Nam, Y., Clancy, M., & Sherraden, M. (2010). The SEED for Oklahoma Kids Experiment: Initial account opening and savings (CSD Research Report No. 10-14). St. Louis, MO: Washington University, Center for Social Development.

Scanlon, E., & Wittman, L. (2010). From Helena to Harlem: Experiences of lower-income rural and urban parents in childrens savings account programs (CSD Working Paper No. 10-38). St. Louis, MO: Washington University, Center for Social Development.

Kim, Y., & Sherraden, M. (2010). Do parental assets matter for children’s educational attainment?: Evidence from mediation tests (CSD Working Paper No. 10-40). St. Louis, MO: Washington University, Center for Social Development.

Sherraden, M., & Stevens, J. (Eds.). (2010). Lessons from SEED: A national demonstration of Child Development Accounts (CSD Research Report No. 10-35). St. Louis, MO: Washington University, Center for Social Development.

Bernstein, J. (2010). Perspective from the left: Children’s saving accounts, mobility, and inequality. Children & Youth Services Review, 32(11), 1597–1600. doi:10.1016/j.childyouth.2010.04.003

Adams, D., Nam, Y., Williams Shanks, T. R., Hicks, S., & Robinson, C. (2010). Research on assets for children and youth: Reflections on the past and prospects for the future. Children & Youth Services Review, 32(11), 1617–1621. doi:10.1016/j.childyouth.2010.04.002

Sherraden, M., Kim, Y., & Loke, V. (2010). Testing a new policy concept: Editors’ introduction and acknowledgements. Children and Youth Services Review, 32(11), 1487. doi:10.1016/j.childyouth.2010.04.012

Steuerle, E. (2010). Policy context for CDAs over the next 20 years. Children & Youth Services Review, 32(11), 1605–1608. doi:10.1016/j.childyouth.2010.04.004

Sherraden, M., Kim, Y., & Loke, V. (Eds.). (2010). Child Development Accounts: Theory, evidence, and policy potential [Special issue]. Children and Youth Services Review, 32(11).

John, D. C. (2010). Perspective from the right: Building a cross-ideological consensus for Child Development Accounts. Children & Youth Services Review, 32(11), 1601–1604. doi:10.1016/j.childyouth.2010.04.006

Goldberg, F. T., Jr., Friedman, B., & Boshara, R. (2010). CDA legislative challenges and opportunities. Children & Youth Services Review, 32(11), 1609–1616. doi:10.1016/j.childyouth.2010.04.005

Clancy, M., Lassar, T., & Taake, K. (2010, September). Saving for college: A policy primer (CSD Policy Brief No. 10-27). St. Louis, MO: Washington University, Center for Social Development.

Huang, J., Nam, Y., & Wikoff, N. (2010). Household assets and food stamp program participation among eligible low-income households (CSD Working Paper No. 10-28). St. Louis, MO: Washington University, Center for Social Development.

Hertel, A. L., & Jäger, M. E. (2010, July). Saving for post-secondary education in American Indian communities (CSD Research Brief No. 10-24). St. Louis, MO: Washington University, Center for Social Development.

Deshpande, R., & Zimmerman, J. (Eds.) (2010). Youth savings in developing countries: Trends in practice, gaps in knowledge [Report]. Washington, DC: YouthSave Consortium.

Myers, S. (2009, December). Rwanda country assessment for Youth Development Accounts (CSD Country Brief No. 09-72). St. Louis, MO: Washington University, Center for Social Development.

Hertel, A. L., & Jäger, M. E. (2010). Saving for post-secondary education in American Indian communities: A geospatial and quantitative analysis (CSD Working Paper No. 10-21). St. Louis, MO: Washington University, Center for Social Development.

Sherraden, M. S., & McBride, A. M. (with Beverly, S. G.). (2010). Striving to save: Creating policies for financial security of low-income families. Ann Arbor: University of Michigan Press.

Kim, M., Nam, Y., Kim, Y., Kwon, J., Chung, S., Hong, H.,  & Lee, E. (2010). Seoul Hope Plus savings accounts: Asset-building program for low-income households in Seoul (CSD Research Report No. 10-20). St. Louis, MO: Washington University, Center for Social Development.

Boshara, R., Clancy, M., Newville, D., & Sherraden, M. (2009). The basics of progressive 529s. St. Louis, MO: Washington University, Center for Social Development, and New America Foundation.

Sherraden, M. S. (2010). Financial capability: What is it, and how can it be created? (CSD Working Paper No. 10-17). St. Louis, MO: Washington University, Center for Social Development.

Masa, R., Sherraden, M. S., Zou, L., Ssewamala, F., Johnson, E., Ansong, D., Chowa, G., & Sherraden, M. (2010, May). Youth savings around the world: Youth characteristics, savings performance, and potential impacts (CSD Research Brief No. 10-18). St. Louis, MO: Washington University, Center for Social Development.

Masa, R., Sherraden, M. S., Zou, L., Ssewamala, F., Johnson, L., Ansong, D., Chowa, G., & Sherraden, M. (2010). Youth savings around the world: Youth characteristics, savings performance, and potential effects (CSD Research Report No. 10-15). St. Louis, MO: Washington University, Center for Social Development.

Clancy, M., & Lassar, T. (2010, May). College savings plan accounts at birth: Maine’s statewide program (CSD Policy Brief No. 10-16). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/K7X34X0B

Elliott, W., III, & Beverly, S. G. (2010, March). Staying on course: The effects of savings and assets on the college progress of young adults (CSD Research Brief No. 10-13). St. Louis, MO: Washington University, Center for Social Development.