Working Papers

Huang, J., & Guo, B. (2021). Fostering entrepreneurship among low-income individuals through financial capability (CSD Working Paper No. 21-08, submitted for publication). Washington University, Center for Social Development.

Huang, J., Sherraden, M. S., & Sherraden, M. (2021). Toward finance as a public good (CSD Working Paper No. 21-03). Washington University, Center for Social Development. https://doi.org/10.7936/p8dd-p256

Sun, S., Huang, J., Hudson, D., & Sherraden, M. (2020). Cash transfers and health (CSD Working Paper No. 20-16). St. Louis, MO: Washington University, Center for Social Development.

Ren, C. (2020). A framework for explaining Black–White inequality in homeownership sustainability (CSD Working Paper No. 20-07). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/zryf-5d75

Lough, B. J., Sherraden, M. S., Moore A. M., Sherraden, M., & Pritzker, S. (2017). Productive engagement early in life: Civic and volunteer service as a pathway to development (Grand Challenges for Social Work initiative Working Paper No. 23). Cleveland, OH: American Academy of Social Work and Social Welfare.

Metzger, M. W., & Khare, A. T. (2017). Fair housing and inclusive communities (Grand Challenges for Social Work initiative Working Paper No. 24). Cleveland, OH: American Academy of Social Work & Social Welfare.

Yuan, Y., & Jin, M. (2017). Financial literacy in China: Priorities and a direction (CSD Working Paper No. 17-37). St. Louis, MO: Washington University, Center for Social Development.

Hannon, G., Covington, M., Despard, M. R., Frank-Miller, E., & Grinstein-Weiss, M. (2017). Employee financial wellness programs: A review of the literature and directions for future research (CSD Working Paper No. 17-23). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/K7WW7H5C

Grinstein-Weiss, M., Cryder, C., Despard, M. R., Perantie, D. C., Oliphant, J. E., & Ariely, D. (2017). The role of choice architecture in promoting saving at tax time: Evidence from a large-scale field experiment (CSD Working Paper No. 17-29). St. Louis, MO: Washington University, Center for Social Development.

Sherraden, M., Johnson, L., Clancy, M., Beverly, S. G., Sherraden, M., Schreiner, M., … Han, C.-K. (2016). Asset building: Toward inclusive policy (CSD Working Paper No. 16-49). St. Louis, MO: Washington University, Center for Social Development.

Sherraden, M., CHENG, L.-C., Ssewamala, F. M., KIM, Y., Loke, V., ZOU, L., … HAN, C.-K. (2016). International Child Development Accounts (CSD Working Paper No. 16-48). St. Louis, MO: Washington University, Center for Social Development. Under review with theEncyclopedia of Social Work(Oxford University Press).

Chen, Z., & Jin, M. (2016). Financial inclusion in China: Use of credit (CSD Working Paper No. 16-24). St. Louis, MO: Washington University, Center for Social Development.

Rodríguez, C., & Saavedra, J. E. (2016). Nudging youth to develop savings habits: Experimental evidence using SMS messages (CSD Working Paper No. 16-19). St. Louis, MO: Washington University, Center for Social Development.

Stoesz, D. (2016). The excluded: An estimate of the consequences of denying Social Security to agricultural and domestic workers (CSD Working Paper No. 16-17). St. Louis, MO: Washington University, Center for Social Development.

Clancy, M. M., Beverly, S. G., Sherraden, M., & Huang, J. (2016). Testing universal Child Development Accounts: Financial impacts in a large social experiment (CSD Working Paper No. 16-08). St. Louis, MO: Washington University, Center for Social Development.

Lein, L., Romich, J. L., & Sherraden, M. (2016). Reversing extreme inequality (Grand Challenges for Social Work Initiative Working Paper No. 16). Cleveland, OH: American Academy of Social Work and Social Welfare.

Sherraden, M. S., Huang, J., Frey, J. J., Birkenmaier, J., Callahan, C., Clancy, M. M., & Sherraden, M. (2015). Financial capability and asset building for all (Grand Challenges for Social Work Initiative Working Paper No. 13). Cleveland, OH: American Academy of Social Work and Social Welfare.

Epperson, M. W., & Pettus-Davis, C. (2015). Smart decarceration: Guiding concepts for an era of criminal justice transformation (CSD Working Paper No. 15-53). St. Louis, MO: Washington University, Center for Social Development.

Rosenberg, B., & McBride, A. M. (2015). The management imperative: Displacement, dynamics, and directions forward for training social workers as managers (CSD Working Paper No. 15-41). St. Louis, MO: Washington University, Center for Social Development.

Lee, Y., Johnson, L. Sherraden, M., Ansong, D., Osei-Akoto, I., & Chowa, G. A. (2015). “Taking the bank to the Youth:” Impacts on saving and asset building from the Ghana YouthSave Experiment (CSD Working Paper No. 15-43). St. Louis, MO: Washington University, Center for Social Development.

Sherraden, M. S., Birkenmaier, J., Rochelle, M., & McClendon, G. G. (2015). Financial capability and asset building in social work education: “The big piece missing?” (CSD Working Paper No. 15-44). St. Louis, MO: Washington University, Center for Social Development.

Robertson, A. S., McBride, A. M., Chung, S., Williams, A., & May, V. (2015). Social and emotional learning and social work in middle school: A case study in community partnership (CSD Working Paper No. 15-39). St. Louis, MO: Washington University in St. Louis, Center for Social Development.

Rochelle, M., McClendon, G., Brackett, M., Wright, M., & Sherraden, M. S. (2015). Adopting a financial capability and asset building curriculum at historically Black colleges and universities (CSD Working Paper No. 15-36). St. Louis, MO: Washington University, Center for Social Development.

Mason, L. R. (2015). Environment and social development (CSD Working Paper No. 15-33). St. Louis, MO: Washington University, Center for Social Development.

Patterson, D. A., Perkins, J., & Van Zile-Tamsen, C. (2015). Impact of stranger violence and intimate partner violence on the grades of American Indian/Alaska Native undergraduate college students (CSD Working Paper No. 15-32). St. Louis, MO: Washington University, Center for Social Development.

Metzger, M. W., & Pelletiere, D. (2015). Patterns of housing voucher use revisited: Segregation and Section 8 using updated data and more precise comparison groups, 2013 (CSD Working Paper No. 15-22). St. Louis, MO: Washington University, Center for Social Development.

Patterson, D. A., & Butler-Barnes, S. T. (2015). Impact of the academic-social context on American Indian/Alaska Native students’ academic performance (CSD Working Paper No. 15-02). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/K7RF5TH3

Patterson, D. A., Butler-Barnes, S. T., & Van Zile-Tamsen, C. (2015). American Indian/Alaskan Native college dropout: Recommendations for increasing retention and graduation (CSD Working Paper No. 15-03). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/K7MP52SR

Pettus-Davis, C., & Epperson, M. W. (2015). From mass incarceration to smart decarceration (Grand Challenges for Social Work Initiative Working Paper No. 4). Cleveland, OH: American Academy of Social Work and Social Welfare.

Morrow-Howell, N., Gonzales, E., Matz-Costa, C., & Greenfield, E. A. (2015). Increasing productive engagement in later life (Grand Challenges for Social Work Initiative Working Paper No. 8). Cleveland, OH: American Academy of Social Work and Social Welfare.

Kemp, S. P., & Palinkas, L. A. (with Wong, M., Wagner, K., Reyes Mason, L., Chi, I., … Rechkemmer, A.). (2015). Strengthening the social response to the human impacts of environmental change (Grand Challenges for Social Work Initiative Working Paper No. 5). Cleveland, OH: American Academy of Social Work and Social Welfare.

Nam, Y., Lee, Y., McMahon, S., & Sherraden, M. (2014). New measures of economic security and development: Savings goals for short-term and long-term economic needs (CSD Working Paper No. 14-28). St. Louis, MO: Washington University, Center for Social Development.

Nam, Y., Wikoff, N., & Sherraden, M. (2014). Economic intervention and parenting: A randomized experiment of statewide Child Development Accounts (CSD Working Paper No. 14-25). St. Louis, MO: Washington University in St. Louis, Center for Social Development.

Nam, Y., Hole, E., Sherraden, M., & Clancy, M. (2014). Program knowledge and savings outcomes in a Child Development Account experiment (CSD Working Paper No. 14-22). St. Louis, MO: Washington University, Center for Social Development.

Webber, H., & Swanstrom, T. (2014). Rebound neighborhoods in older industrial cities: The story of St. Louis (CSD Working Paper No. 14-17). St. Louis, MO: Washington University, Center for Social Development.

Huang, J., Kim, Y., Sherraden, M., & Clancy, M. (2014). Heterogeneous effects of Child Development Accounts on savings for children’s education (CSD Working Paper No. 14-15). St. Louis, MO: Washington University, Center for Social Development.

Zhan, M., & Xiang, X. (2014). Education loans and wealth building among young adults (CSD Working Paper No. 14-14). St. Louis, MO: Washington University, Center for Social Development.

Pawar, M. (2014). Social challenges and policy innovations by social workers in Australia (CSD Working Paper No. 14-10). St. Louis, MO: Washington University, Center for Social Development.

Robertson, A. S., McBride, A. M., Chung, S., & Williams, A. (2014). Motivating students through classroom-based service learning: Toward adoption and impact (CSD Working Paper No. 14-11). St. Louis, MO: Washington University, Center for Social Development.

Johnson, K. (2014). Rediscovering social investment in developmental welfare state policies (DWSP): Back to the future (CSD Working Paper No. 14-02). St. Louis, MO: Washington University, Center for Social Development.

Elliott, W., III, Grinstein-Weiss, M., & Nam, I. (2013). Does outstanding student debt reduce asset accumulation? (CSD Working Paper No. 13-32). St. Louis, MO: Washington University, Center for Social Development.

Pettus-Davis, C., & Epperson, M. W. (2014). From mass incarceration to smart decarceration (CSD Working Paper No. 14-31). St Louis, MO: Washington University, Center for Social Development.

Chowa, G. A. N., & Masa, R. D. (2013). Asset ownership and academic achievement among youth in Ghana: Examining associations based on asset type and academic subject (CSD Working Paper No. 13-25). St. Louis, MO: Washington University, Center for Social Development.

Zhan, M., & Xiang, X. (2013). An event history analysis of educational loans and college graduation: A focus on differences by race and ethnicity (CSD Working Paper No. 13-35). St. Louis, MO: Washington University, Center for Social Development.

Elliott, W., III, Grinstein-Weiss, M., & Nam, I. (2013). Student debt and declining retirement savings (CSD Working Paper No. 13-34). St. Louis, MO: Washington University, Center for Social Development.

Elliott, W., III, Grinstein-Weiss, M., & Nam, I. (2013). Is student debt compromising homeownership as a wealth-building tool? (CSD Working Paper No. 13-33). St. Louis, MO: Washington University, Center for Social Development.

Zhan, M., & Lanesskog, D. (2013). The impact of family assets and debt on college graduation (CSD Working Paper No. 13-36). St. Louis, MO: Washington University, Center for Social Development.

Mason, L. R., Nam, Y., Clancy, M., & Sherraden, M. (2013). SEED for Oklahoma Kids: Experimental test of a policy innovation in a full population (CSD Working Paper No. 13-24). St. Louis, MO: Washington University, Center for Social Development.

Greenberg, D. (2012). A cost-benefit analysis of Tulsa’s IDA program: Findings from a long-term follow-up of a random assignment social experiment (CSD Working Paper No. 12-58). St. Louis, MO: Washington University, Center for Social Development.

Chowa, G. A. N., & Masa, R. D. (2013). The impact of asset ownership on future orientation of youth and their parents: Evidence from the YouthSave Ghana Experiment (CSD Working Paper No. 13-19). St. Louis, MO: Washington University, Center for Social Development. 

Chowa, G. A. N., Masa, R. D., Ramos, Y., & Ansong, D. (2013). How do student and school characteristics influence youth academic performance in Ghana? A hierarchical linear modeling of baseline data from the YouthSave Ghana Experiment (CSD Working Paper No. 13-16). St. Louis, MO: Washington University, Center for Social Development.

Chowa, G. A. N., Masa, R. D., & Tucker, J. (2013). Parental involvement’s effects on academic performance: Evidence from the YouthSave Ghana Experiment (CSD Working Paper No. 13-15). St. Louis, MO: Washington University, Center for Social Development.

Rothwell, D., Bhaiji, R., & Blumenthal, A. (2013). Perceived impact of Individual Development Account participation among Native Hawaiians (CSD Working Paper No. 13-01). St. Louis, MO: Washington University, Center for Social Development.

Zhan, M. (2013). Youth debt and college graduation: Differences by race/ethnicity (CSD Working Paper No. 13-08). St. Louis, MO: Washington University in St. Louis, Center for Social Development.

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.

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.

Pritzker, S., Springer, M. J., & McBride, A. M. (2012). Learning to vote: Informing political participation among college students (CSD Working Paper No. 12-46). 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.

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.

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.

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.

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.

Lough, B. J., & Mwathi Mati, J. (2012). Volunteerism for peace in East Africa (CSD Working Paper No. 12-29). St. Louis, MO: Washington University, Center for Social Development.

Lough, B. J., & Sherraden, M. S. (2012). Civic service and asset building in generating livelihoods among youth in Africa (CSD Working Paper No. 12-28). 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.

Morrow-Howell, N., Stepleton, S., & McBride, A. M. (2012). Informing policy on volunteer service through agency-based evaluations (CSD Working Paper No. 12-26). 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.

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.

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.

Garcia, E., & Connor, L. T. (2011). Understanding barriers and facilitators to participation in people with aphasia: A qualitative approach (CSD Working Paper No. 11-38). St. Louis, MO: Washington University, Center for Social Development.

Lough, B. J. (with VOSESA [Volunteer and Service Enquiry Southern Africa]). (2011). International service perspectives from Weltwärts and Intercultural Youth Exchange volunteers (VOSESA Working Paper). Johannesburg: Volunteer and Service Enquiry Southern Africa.

Hipp, J. A., Chockalingam, R., & Adlakha, D. (2011). Social ecological constraints to park use in communities with quality access (CSD Working Paper No. 11-36). St. Louis, MO: 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.

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.

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.

Chockalingham, R., Raghavan, R., Argrawal, J., Lama, G., Lai, H. Y. A., & Yadama, G. (2011). Understanding geographic variations in BMI in India (CSD Working Paper No. 11-13). St. Louis, MO: Washington University, Center for Social Development.

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.