References
- ∙Ratcliffe, C., McKernan, S.-M., Mills, G., Pergamit, M., & Braga, B. (2019). From savings to ownership: Third-year impacts from the assets for independence program randomized evaluation (vol. 106). OPRE Report. https://www.urban.org/research/publication/savings-ownership-third-year-impacts-assets-independence-program-randomized-evaluation
- Administration for Children and Families. (2016). Assets for Independence program report to congress: Status at the conclusion of the seventeenth year, fiscal year 2016.https://www.acf.hhs.gov/sites/default/files/ocs/rpt_afi_rtc_fy2016.pdf
- Ansong, D., Chowa, G., Masa, R., Despard, M., Sherraden, M., Wu, S., & Osei-Akoto, I. (2019). Effects of youth savings accounts on school attendance and academic performance: Evidence from a youth savings experiment. Journal of Family and Economic Issues, 40(2), 269–281. https://doi.org/http://doi.org/10.1007/s10834-018-9604-5
- Biggers, A., West, M., De Marco, A., Dorrance, J., & Manturuk, K. (2014). The CommunityEmpowerment Fund, A matched saving model as an innovative approach to housing the homeless. Journal of Poverty, 18(3), 275–298. https://doi.org/https://doi.org/10.1080/10875549.2014.923965
- Birkenmaier, J. M., Curley, J., & Kelly, P. (2012). Credit building and IDA programs: Early findings of a longitudinal study. Research on Social Work Practice, 22(6), 605–614. https://doi.org/http://doi.org/10.1177/1049731512453208
- Birkenmaier, J. M., Curley, J., & Kelly, P. (2014a). Matched savings account program participation and goal completion: Does financial credit matter? Journal of Social Service Research, 40(2), 215–231. https://doi.org/http://doi.org/10.1080/01488376.2013.875095
- Birkenmaier, J. M., Curley, J., & Kelly, P. (2014b). Financial credit outcomes of IDA participation: Longitudinal findings. Journal of Financial Therapy, 5(2), 37–55. https://doi.org/http://dx.doi.org/10.4148/1944-9771.1082.
- Birkenmaier, J., Maynard, B., & Kim, Y. (2019). Interventions designed to improve financial capability by improving financial behavior and financial access: A systematic review. (Protocol). Campbell Systematic Review, 15(1–2), e1020. https://doi.org/http://doi.org/10.1002/cl2.1020
- Birkenmaier, J., Maynard, B., & Kim, Y. (2022). Interventions designed to improve financial capability by improving financial behavior and financial access: A systematic review. (Final report). In Campbell systematic review, 18(1), e1225. doi:https://doi.org/10.1002/cl2.1225.
- Burke, J., Jamison, J., Karlan, D., Mihaly, K., & Zinman, J. (2019). Credit building or credit crumbling? A credit builder loan’s effects on consumer behavior, credit scores and their predictive power. (No. w26110) National Bureau of Economic Research. https://www.nber.org/papers/w26110
- Collins, J. M., & Urban, D. (2016). The role of information on retirement planning: Evidence from a field study. Economic Inquiry, 54(4), 1860–1872. https://doi.org/https://doi.org/10.1111/ecin.12349
- Corporation for Enterprise Development [CFED]. (2013). State IDA program support, policy brief. Corporation for Enterprise Development (now Prosperity Now). https://prosperitynow.org/sites/default/files/resources/rg_StateIDAProgramSupport2014_f.pdf
- Curley, J., & Robertson, A. (2017). Annual report on the head start family financial capability program: 2015-2016. Washington university, Center for Social Development. https://openscholarship.wustl.edu/csd_research/85/
- Curley, J., Ssewamala, F., & Sherraden, M. (2005). Institutions and savings in low-income households (CSD Working Paper No. 05-13). Washington University, Center for Social Development. https://csd.wustl.edu/05-13/
- Feldman, G. (2018). Saving from poverty: A critical review of individual development accounts. Critical Social Policy, 38(2), 181–200. https://doi.org/http://doi.org/10.1177/0261018317695451
- Fernandes, D., Lynch, J. G., & Netemeyer, R. G. (2014). Financial literacy, financial education and downstream financial behaviors. Management Science, 60(8), 1861–1883. https://doi.org/http://doi.org/10.1287/mnsc.2013.1849
- Fry, T. R., Mihajilo, S., Russell, R., & Brooks, R. (2008). The factors influencing saving in a matched savings program: Goals, knowledge of payment instruments, and other behavior. Journal of Family and Economic Issues, 29(2), 234–250. https://doi.org/http://doi.org/10.1007/s10834-008-9106-y
- Grinstein-Weiss, M., Lee, J., Greeson, J., Han, C., Yeo, Y., & Irish, K. (2008). Fostering low-income homeownership through individual development accounts: A longitudinal, randomized experiment. Housing Policy Debate – Washington, 19(4), 711–739. https://doi.org/http://doi.org/10.1080/10511482.2008.9521653
- Grinstein-Weiss, M., Sherraden, M., Gale, W., Rohe, W., Schreiner, M., & Key, C. (2011). The ten-year impacts of individual development accounts on homeownership: Evidence from a randomized experiment. SSRN Electronic Journal. https://doi.org/http://doi.org/10.2139/ssrn.1782918
- Grinstein-Weiss, M., Sherraden, M., Gale, W. G., Rohe, W. M., Schreiner, M., & Key, C. C. (2012). Individual development accounts and post-secondary education evidence from a randomized experiment (CSD Working Papers No. 12-21). Washington University, Center for Social Development. https://csd.wustl.edu/Publications/Documents/WP12-21.pdf
- Grinstein-Weiss, M., Sherraden, M., Gale, W. G., Rohe, W. M., Schreiner, M., & Key, C. C. (2013). Long-term impacts of individual development accounts on homeownership among baseline renters: Follow-up evidence from a randomized experiment. American Economic Journal: Economic Policy, 5(1), 122–145. https://doi.org/http://doi.org/10.1257/pol.5.1.122
- Grinstein-Weiss, M., Sherraden, M., Gale, W. G., Rohe, W. M., Schreiner, M., Key, C., & Oliphant, J. E. (2015). Effects of an Individual development account program on retirement saving: Follow-up evidence from a randomized experiment. Journal of Gerontological Social Work, 58(6), 572–589. https://doi.org/http://doi.org/10.1080/01634372.2015.1052174
- Han, C.-K., Grinstein‐Weiss, M., & Sherraden, M. (2009). Assets beyond savings in individual development accounts. Social Service Review, 83(2), 221–244. https://doi.org/http://doi.org/10.1086/600861
- Hastings, J. S., Madrian, B. C., & Skimmyhorn, W. L. (2013). Financial literacy, financial education, and economic outcomes. Annual Review of Economics, 5(1), 347–125807. https://doi.org/http://doi.org/10.1146/annurev-economics-082312-125807
- Higgins, J., Altman, D., Gotzsche, P., Juni, P., Moher, D., Oxman, A., Savovic, J., Schulz, K., Weeks, L., & Sterne, J. (2011). BMJ, 343. The Cochrane Collaboration’s Tool for Assessing Risk of Bias in Randomized Trials, 343:d5928. https://doi.org/https://doi.org/10.1136/bmj.d5928
- Hogan, M. J., Solheim, C., Wolfgram, S., Nkosi, B., & Rodrigues, N. (2004). The working poor: From the economic margins to asset building. Family Relations, 53(2), 229–236. https://doi.org/https://doi.org/10.1111/j.0022-2445.2004.00013.x
- Hogarth, J., & Anguelov, C. (2003). Can the poor save? Journal of Financial Counseling And Planning, 14(1), 1–18.
- Huang, J. (2010). Effects of individual development accounts (IDAs) on household wealth and saving taste. Research on Social Work Practice, 20(6), 582–590. https://doi.org/http://doi.org/10.1177/1049731509347852
- Huang, J., Lombe, M., Putnam, M., Grinstein-Weiss, M., & Sherraden, M. (2016). Individual development accounts and homeownership among low-income adults with disabilities: Evidence from a randomized experiment. Journal of Applied Social Science, 10(1), 55–66. https://doi.org/http://doi.org/10.1177/1936724415596365
- Huang, J., Nam, Y., & Sherraden, M. S. (2013). Financial knowledge and child development account policy: A test of financial capability. Journal of Consumer Affairs, 47(1), 1–26. https://doi.org/http://doi.org/10.1111/joca.12000
- Huang, J., Nam, Y., Sherraden, M., & Clancy, M. (2014). Financial capability and asset accumulation for children’s education: Evidence from an experiment of child development accounts. Journal of Consumer Affairs, 49(1), 127–155. https://doi.org/https://doi.org/10.1111/joca.12054
- Kaiser, T., & Menkhoff, L. (2016). Does financial education impact financial literacy and financial behaviour, and if so, when? Policy research working paper 8161. World Bank Group. http://documents.worldbank.org/curated/en/144551502300810101/pdf/WPS8161.pdf
- Kugley, S., Wade, A., Thomas, J., MaHood, Q., Klint Jorgensen, A.-M., Hammerstrom, K., & Sathe, N. (2017). Searching for studies: A guide to information retrieval for Campbell systematic reviews. Campbell Systematic Reviews, 13(1), 1–73. https://doi.org/https://doi.org/10.4073/cmg.2016.1
- Leckie, N., Hui, T, S.-W., Tattrie, D., Robson, J., & Voyer, J.-P. (2010a). Final report: LearnSave individual development accounts project. The Social Research and Demonstration Corporation. https://www.srdc.org/publications/learnSave-project–Learning-to-Save-Saving-to-Learn-Final-Report-of-the-learnave-Individual-Development-Accounts-Project-details.aspx
- Leckie, N., Hui, T, S.-W., Tattrie, D., Robson, J., & Voyer, J.-P. (2010b). Learning to save, saving to learn: Intermediate impacts of the learnsave individual development account program. The Social Research and Demonstration Corporation. http://www.srdc.org/uploads/learnSave_final_EN.pdf
- Löibl, C., Grinstein‐Weiss, M., Zhan, M., & Red Bird, B. (2010). More than a penny saved: Long‐term changes in behavior among savings program participants. Journal of Consumer Affairs, 44(1), 98–126. https://doi.org/https://doi.org/10.1111/j.1745-6606.2010.01159.x
- Loke, V., Choi, L., Larin, L., & Libby, M. (2016). Boosting the power of youth paychecks: Integrating financial capability into youth employment programs. (FRBSF Working Paper No. 2016-03). Federal Reserve Bank of San Francisco. https://www.frbsf.org/community-development/files/wp2016-03.pdf
- Lombe, M. (2004). Impact of asset ownership on social inclusion. Doctoral Dissertation, Washington University in St. Louis.
- Lombe, M., & Sherraden, M. (2008). Effects of participating in an asset-building intervention on social inclusion. Journal of Poverty, 12(3), 284–305. https://doi.org/http://doi.org/10.1080/10875540802198362
- McKernan, W.-M., Mills, C., Ratcliffe, C., Congdon, W. J., Pergamit, M., Brago, B., & Martincheck, K. (2020). Building savings, ownership, and financial well-being: First-and third-year assets for independence program randomized evaluation findings in context. Urban Institute. https://www.urban.org/research/publication/building-savings-ownership-and-financial-well-being
- Miller, M., Reichelstein, J., Salas, C., & Zia, B. (2014). Can you help someone become financially capable? A meta-analysis of the literature. World Bank, Policy Research Working Paper; no. WPS 6745. http://www-wds.worldbank.org/external/default/WDSContentServer/IW3P/IB/2014/01/16/000158349_20140116085445/Rendered/PDF/WPS6745.pdf
- Mills, G., DeMarco, D., Patterson, R., Kaul, B., Rodger, C., Bonjorni, J., & Tsen, W. (2003). Assets for Independence Act evaluation: Impact study update. Abt Associates.https://www.abtassociates.com/insights/publications/report/assets-for-independence-act-evaluation-impact-study-update
- Mills, G., Gale, W. G., Patterson, R., & Apostolov, E. (2006). What do individual development accounts do? Evidence from a controlled experiment. SSRN Electronic Journal. https://doi.org/http://doi.org/10.2139/ssrn.915381
- Mills, G., Gale, W. G., Patterson, R., Englehardt, G. V., Eriksen, M. D., & Apostolov, E. (2008). Effects of individual development accounts on asset purchases and saving behavior: Evidence from a controlled experiment. Journal of Public Economics, 92(5–6), 1509–1530. https://doi.org/10.1016/j.jpubeco.2007.09.014
- Mills, G., McKernan, S.-M., Ratcliffe, C., Edelstein, S., Pergamit, M., & Braga, B. (2019). First-year impacts on savings and economic well-being from the assets for independence program randomized evaluation. Journal of Consumer Affairs, 53(3), 848–868. https://doi.org/http://doi.org/10.1111/joca.12247
- Mills, G., McKernan, S.-M., Ratcliffe, C., Edelstein, S., Pergamit, M., Braga, B., Hahn, H., & Elkin, S. (2016). Building saving for success: Early impacts from the assets for independence program randomized evaluation. Urban Institute. https://www.urban.org/sites/default/files/publication/86146/building_savings_for_success.pdf
- Mills, G., Patterson, R., Orr, L., & DeMarco, D. (2004). Evaluation of the American dream demonstration: Final evaluation report. Abt Associates. http://www.abtassociates.com/reports/Final_Eval_Rpt_8-19-04.pdf
- Mitchell, O., & Lusardi, A. (2015). Financial literacy and economic outcomes: Evidence and policy implication. http://gflec.org/wp-content/uploads/2015/06/LusardiMitchell_FInLitEconOutcomes6-4-15-Forthcoming-in-Journal-of-Retirement.pdf
- Moore, A., Beverly, S., Schreiner, M., Sherraden, M., Lombe, M., Cho, E. Y. N., Johnson, L., & Vonderlack, R. (2001). Saving, IDA programs, and effects of IDAs: A survey of participants (CSD report no. 01–24). Washington University, Center for Social Development. https://csd.wustl.edu/01-95/
- Nussbaum, M. (2011). Creating capabilities: The human development approach. Belknap Harvard.
- Richards, K., & Thyer, B. (2011). Does individual development account participation help the poor? A review. Research on Social Work Practice, 21(3), 348–362. https://doi.org/http://doi.org/10.1177/1049731510395609
- Rothwell, D., & Sultana, N. (2013). Cash-flow and savings practices of low-income households: Evidence from a follow-up study of IDA participants. Journal of Social Service Research, 39(2), 281–292. https://doi.org/http://doi.org/10.1080/01488376.2012.754828
- Sen, A. (1999). Development as freedom. Anchor Books.
- Sherraden, M. (1991). Assets and the poor. ME Sharpe.
- Sherraden, M. (2008). IDAs and asset-building policy: Lessons and directions. Washington university, Center for Social Development. https://csd.wustl.edu/08-12/
- Sherraden, M. S. (2013). Building blocks of financial capability. In J. M. Birkenmaier, M. S. Sherraden, & J. Curley (Eds.), Financial education and capability: Research, education. policy, and practice. (pp.3-43). Oxford University.
- Sherraden, M. (2018). Asset building as social investment. Journal of Sociology and Social Welfare, 45(4), 35–54. https://scholarworkswmich.edu/jssw/vol45/iss4/
- Theodos, B., Simms, M., Treskon, M., Stacy, C., Brash, R., Emam, D., Daniels, R., & Collazos, J. (2015). An evaluation of the impacts and implementation approaches of financial coaching programs. Urban Institute. http://www.urban.org/sites/default/files/alfresco/publication-pdfs/2000448-An-Evaluation-of-the-Impacts-and-Implementation-Approaches-of-Financial-Coaching-Programspdf
- Weon, S., & Rothwell, D. (2016). The impact of the hope growing account program on participants’ household earned income in south korea. SSRN 2757141. https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2757141