Design and implementation of a program to help the poor save PDF Download
Are you looking for read ebook online? Search for your book and save it on your Kindle device, PC, phones or tablets. Download Design and implementation of a program to help the poor save PDF full book. Access full book title Design and implementation of a program to help the poor save by . Download full books in PDF and EPUB format.
Author:
Publisher:
ISBN:
Category :
Languages : en
Pages : 0
Get Book Here
Book Description
SRDC's two-part mission is to help policy-makers and practitioners identify social policies and programs that improve the well-being of all Canadians, with a special concern for the effects on the disadvantaged, and to raise the standards of evidence that are used in assessing social policies and programs. [...] ES-2 • Liquid assets cannot exceed the lesser of 10 per cent of annual income or $3,000 • The value of a home owned by the household cannot exceed the median value of homes in the area Interested individuals were invited to apply through extensive outreach and recruitment activities at each of the 10 sites. [...] To test the first hypothesis (that training ES-4 sessions and case management will have a significant positive impact beyond the impacts due to the matched credits alone), the experiences of the learn$ave-plus group will be compared with those of the learn$ave-only group. [...] To test the remaining hypotheses, the experiences of the learn$ave-only and learn$ave-plus groups will be directly compared with those of the control group at various points over the life of the project. [...] The Non-experimental Study and the IA Study The budget available for the demonstration precluded the possibility of using an experimental design at all 10 sites - much larger numbers of participants and a control group would have been needed to meet the requirements of an experimental study.
Author:
Publisher:
ISBN:
Category :
Languages : en
Pages : 0
Get Book Here
Book Description
SRDC's two-part mission is to help policy-makers and practitioners identify social policies and programs that improve the well-being of all Canadians, with a special concern for the effects on the disadvantaged, and to raise the standards of evidence that are used in assessing social policies and programs. [...] ES-2 • Liquid assets cannot exceed the lesser of 10 per cent of annual income or $3,000 • The value of a home owned by the household cannot exceed the median value of homes in the area Interested individuals were invited to apply through extensive outreach and recruitment activities at each of the 10 sites. [...] To test the first hypothesis (that training ES-4 sessions and case management will have a significant positive impact beyond the impacts due to the matched credits alone), the experiences of the learn$ave-plus group will be compared with those of the learn$ave-only group. [...] To test the remaining hypotheses, the experiences of the learn$ave-only and learn$ave-plus groups will be directly compared with those of the control group at various points over the life of the project. [...] The Non-experimental Study and the IA Study The budget available for the demonstration precluded the possibility of using an experimental design at all 10 sites - much larger numbers of participants and a control group would have been needed to meet the requirements of an experimental study.
Author: Paul Kingwell
Publisher: Social Research and Demonstration Corporation
ISBN:
Category : Finance, Personal
Languages : en
Pages : 212
Get Book Here
Book Description
Author: Canada. Dept. of Human Resources and Skills Development]
Publisher:
ISBN:
Category :
Languages : en
Pages : 184
Get Book Here
Book Description
Author: Michael Sherraden
Publisher: Routledge
ISBN: 1351530224
Category : Business & Economics
Languages : en
Pages : 388
Get Book Here
Book Description
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.
Author: Margaret Sherrard Sherraden
Publisher: University of Michigan Press
ISBN: 0472021818
Category : Political Science
Languages : en
Pages : 205
Get Book Here
Book Description
"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.
Author: National Academies of Sciences, Engineering, and Medicine
Publisher: National Academies Press
ISBN: 0309483980
Category : Social Science
Languages : en
Pages : 619
Get Book Here
Book Description
The strengths and abilities children develop from infancy through adolescence are crucial for their physical, emotional, and cognitive growth, which in turn help them to achieve success in school and to become responsible, economically self-sufficient, and healthy adults. Capable, responsible, and healthy adults are clearly the foundation of a well-functioning and prosperous society, yet America's future is not as secure as it could be because millions of American children live in families with incomes below the poverty line. A wealth of evidence suggests that a lack of adequate economic resources for families with children compromises these children's ability to grow and achieve adult success, hurting them and the broader society. A Roadmap to Reducing Child Poverty reviews the research on linkages between child poverty and child well-being, and analyzes the poverty-reducing effects of major assistance programs directed at children and families. This report also provides policy and program recommendations for reducing the number of children living in poverty in the United States by half within 10 years.
Author: OECD
Publisher: OECD Publishing
ISBN: 9264041273
Category :
Languages : en
Pages : 226
Get Book Here
Book Description
This seminar proceedings examines whether The fundamental policy question addressed in the seminar was whether the current designs of social protection systems in OECD societies are well-suited to contemporary life-course realities.
Author: Jerry Buckland
Publisher: University of Toronto Press
ISBN: 1442662611
Category : Social Science
Languages : en
Pages : 289
Get Book Here
Book Description
When low-income city dwellers lack access to mainstream banking services, many end up turning to ‘fringe banks,’ such as cheque-cashers and pawnshops, for some or all of their financial transactions. This predicament of ‘financial exclusion’ – faced by those underserved by conventional financial institutions – is comprehensively examined in Jerry Buckland's powerful study, Hard Choices. The first account of the nature and causes of financial exclusion in Canada, Hard Choices thoroughly integrates economic and social data on consumer choice, bank behaviour, and government policy. Buckland demonstrates why the current two-tier system of banking is becoming increasingly dysfunctional, especially in the context of new credit products that aggravate income inequality and stifle local economic growth. Featuring a foreword by esteemed economics scholar John P. Caskey, Hard Choices presents pragmatic policy improvements on both the public and private levels that can promote and build financial inclusion for all.
Author: Melissa Kearney
Publisher: Brookings Institution Press
ISBN: 0815726473
Category : Political Science
Languages : en
Pages : 508
Get Book Here
Book Description
One-in-seven adults and one-in-five children in the United States live in poverty. Individuals and families living in povertyÊnot only lack basic, material necessities, but they are also disproportionally afflicted by many social and economic challenges. Some of these challenges include the increased possibility of an unstable home situation, inadequate education opportunities at all levels, and a high chance of crime and victimization. Given this growing social, economic, and political concern, The Hamilton Project at Brookings asked academic experts to develop policy proposals confronting the various challenges of AmericaÕs poorest citizens, and to introduce innovative approaches to addressing poverty.ÊWhen combined, the scope and impact of these proposals has the potential to vastly improve the lives of the poor. The resulting 14 policy memos are included in The Hamilton ProjectÕs Policies to Address Poverty in America. The main areas of focus include promoting early childhood development, supporting disadvantaged youth, building worker skills, and improving safety net and work support.
Author:
Publisher:
ISBN:
Category : Computer network resources
Languages : en
Pages : 300
Get Book Here
Book Description
