Socioeconomic and Institutional Factors that Facilitate and Prevent Low-Income African American Parents' Involvement in a Children's Savings Program

REFERENCES

• Anderson , S. , Zhan , M. and Scott , J. 2007 . Improving the knowledge and attitude of low-income families about banking and predatory financial practices . Families in Society , 88 ( 3 ) : 443 – 452 .
   Web of Science ®Google Scholar
• Arts , J. , Gollwitzer , P. and Hassin , R. 2004 . Goal contagion: Perceiving is pursuing . Journal of Personality and Social Psychology , 87 ( 1 ) : 23 – 37 .
   PubMed Web of Science ®Google Scholar
• Barr , M. S. 2004 . Banking the poor . Yale Journal on Regulation , 21 ( 1 ) : 121
   Google Scholar
• Bertrand , M. , Mullainathan , S. and Shafir , E. 2004 . A behavioral economics view of poverty . American Economic Review , 94 ( 2 ) : 419 – 423 .
   Web of Science ®Google Scholar
• Beverly , S. and Barton , J. 2006 . Barriers to asset accumulation for families in the SEED pre-school demonstration and impact assessment. SEED Research Report: Impact Assessment , Lawrence, KS : The University of Kansas School of Social Welfare .
   Google Scholar
• Beverly , S. , Sherraden , M. , Cramer , R. , Shanks , T. R. W. , Nam , Y. and Zhan , M. 2008 . “ Determinates of asset holdings ” . In Asset building and low-income families , Edited by: McKernan , S. and Sherraden , M. 89 – 151 . Washington, DC : The Urban Institute Press .
   Google Scholar
• Carroll , C. 1997 . Buffer-stock saving and the life cycle/permanent income hypothesis . Quarterly Journal of Economics , 12 ( 1 ) : 41 – 71 .
   Google Scholar
• Chiteji , N. and Hamilton , D. 2005 . “ Family matters: Kin networks and asset accumulation ” . In Inclusion in the American dream , Edited by: Sherraden , M. 87 – 111 . New York : Oxford University Press .
   Google Scholar
• Friedman , M. 1957 . A theory of the consumption function , Princeton, NJ : Princeton University Press .
   Google Scholar
• Grinstein-Weiss , M. , Wagner , K. and Ssewamala , F. 2006 . Saving and asset accumulation among low-income families with children in IDAs . Children and Youth Services Review , 28 : 193 – 211 .
   Web of Science ®Google Scholar
• Hogarth , J. M. , Anguelov , C. E. and Lee , J. 2004 . Why don't households have a checking account? . The Journal of Consumer Affairs , 38 ( 1 ) : 1 – 34 .
   Web of Science ®Google Scholar
• Kane , M. and Trochim , W. 2007 . Concept mapping for planning and evaluation , Thousand Oaks, CA : Sage Publications .
   Google Scholar
• Nyhus , E. and Webley , P. 2001 . The role of personality in household saving and borrowing behavior . European Journal of Personality , 15 : S85 – S103 .
   Web of Science ®Google Scholar
• Oliver , M. and Shapiro , T. 2006 . Black wealth/white wealth: A new perspective on racial inequality , New York : Routledge .
   Google Scholar
• Samwick , A. 2006 . Saving for retirement: Understanding the importance of heterogeneity . Business Economics , 41 ( 1 ) : 21 – 27 .
   Google Scholar
• Scanlon , E. and Adams , D. 2005 . “ Home ownership and youth well-being ” . In Inclusion in the American dream , Edited by: Sherraden , M. 128 – 145 . New York : Oxford University Press .
   Google Scholar
• Schreiner , M. and Sherraden , M. 2007 . Can the poor save? Saving and asset building in individual development accounts , New Brunswick, NJ : Transaction Publishers .
   Google Scholar
• Schreiner , M. , Sherraden , M. , Clancy , M. , Johnson , L. , Curley , J. , Zhan , M. , Beverly , S. and Grinstein-Weiss , M. 2005 . “ Assets and the poor: Evidence from Individual Development Accounts ” . In Inclusion in the American dream , Edited by: Sherraden , M. 185 – 215 . New York : Oxford University Press .
   Google Scholar
• Shapiro , T. 2004 . The hidden cost of being African American: How wealth perpetuates inequality , New York : Oxford Press .
   Google Scholar
• Sherraden , M. 1991 . Assets and the poor: A new American welfare policy , New York : M.E. Sharpe .
   Google Scholar
• Sherraden , M. 2005 . “ Assets and public policy ” . In Inclusion in the American dream , Edited by: Sherraden , M. 3 – 19 . New York : Oxford University Press .
   Google Scholar
• Sherraden , M. S. , Johnson , L. , Elliott , W. , Porterfield , S. and Rainford , W. 2006 . School-based children's savings accounts for college: The I Can Save program . Children and Youth Services Review , 29 : 294 – 312 .
   Web of Science ®Google Scholar
• Sherraden, M. S., McBride, A., Johnson, E., Hanson, S. Ssewamala, F., & Shanks. T. (2005, January). Saving in low income households: Evidence from interviews with participants in the American dream demonstration. (Working Paper No. 05–02) http://gwbweb.wustl.edu/csd/Publications/index.htm (http://gwbweb.wustl.edu/csd/Publications/index.htm) (Accessed: 10 January 2008 ).
   Google Scholar
• Sherraden , M. , Scanlon , E. , Adams , D. , Beverly , S. and Schreiner , M. 2005 . “ Assets and the poor: Evidence from Individual Development Accounts ” . In Inclusion in the American dream , Edited by: Sherraden , M. 360 – 392 . New York : Oxford University Press .
   Google Scholar
• Stack , C. 1974 . All our kin: Strategies for survival in a black community , New York : Harper and Row .
   Google Scholar
• Thaler , R. 2000 . Saving, fungibility and mental accounts . Journal of Economic Perspectives , 4 ( 1 ) : 193 – 205 .
   Google Scholar