In the 21st century the world is highly financialized, and income alone is not a sufficient support for millions of households. All people require access to safe financial products and services as well as sound financial knowledge. In addition, all families should be able to accumulate assets for their security and long-term development. Since its inception, CSD has served as a leading center for research on ways to enhance the financial security and development of families in the United States and around the world.

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Research from 2007

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Can the Poor Save? Saving and Asset Building in Individual Development Accounts, Mark Schreiner and Michael Sherraden

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College Expectations Among Young Children: The Potential Role of Savings, William Elliott III, Margaret Sherrard Sherraden, Lissa Johnson, Suzanne Johnson, and Signe Peterson

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Do Institutions Really Matter for Saving Among Low-Income Households? a Comparative Approach, Chang-Keun Han and Michael Sherraden

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Domestic Violence, Economic Abuse, and Implications of a Program for Building Economic Resources for Low-Income Women, Cynthia K. Sanders

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Dual Incentives and Dual Asset Building: The Hutubi Rural Social Security Loan Program in China, Baorong Guo, Jin Huang, Michael Sherraden, and Li Zou

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Effects of Participating in an Asset-Building Intervention on Social Inclusion, Margaret Lombe and Michael Sherraden

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Examining Minority and Poor Youth's College Aspirations and Expectations: The Potential Role of College Savings, William Elliott III

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Fostering Low-Income Homeownership: A Longitudinal Randomized Experiment on Individual Development Accounts, Michal Grinstein-Weiss, Jung-Sook Lee, Kate Irish, and Chang-Keun Han

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Global Savings, Assets and Financial Inclusion: Lessons, Challenges, and Directions, Jamie M. Zimmerman, Ray Boshara, Michael Sherraden, Li Zou, Kate McKee, Leslie Meek-Wohl, and Amy Feldman

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Increasing Parent Educational Expectations for Children in Sub-Saharan Africa: The Potential Role of Assets, Gina Chowa and William Elliott III

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Individual Development Accounts: Frequently Asked Questions, Michal Grinstein-Weiss and Kate Irish

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SEED Account Monitoring Research: Participants and Savings Outcomes at June 30, 2007, Lisa Reyes Mason, Margaret Clancy, Vernon Loke, Youngmi Kim, Yunju Nam, and Soda Lo

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SEED for Oklahoma Kids: Summary of Project, Research, and Policy Implications, Michael Sherraden and Margaret M. Clancy

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SEED Participant Characteristics and Financial Accumulation, Lisa Reyes Mason, Vernon Loke, Margaret Clancy, Yunju Nam, Youngmi Kim, and Soda Lo

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Specifying Children's Educational Expectations: The Potential Impact of Institutions, William Elliott III

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The Achievement Gap From a Capabilities and Asset Perspective, William Elliott III and Margaret Sherrard Sherraden

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The Balance Sheets of Low-Income Households: What We Know About Their Assets and Liabilities., Adam Carasso and Signe-Mary McKernan

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The Effects of Welfare and IDA Program Rules on the Asset Holding of Low-Income Families, Signe-Mary McKernan, Caroline Ratcliff, and Yunju Nam

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Under-Utilized Contributions by International Students: Case Study for Education and Research, Gina Chowa, Kofi Danso, and Michael Sherraden

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VITA Sites: Linking Tax Returns and Asset Building Strategies in Indian Country, Kristen Wagner, Karen Edwards, Amy Locklear Hertel, Miriam Jorgensen, and Dana Klar

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Welfare Reform and Asset Accumulation: Asset Limit Changes, Financial Assets, and Vehicle Ownership, Yunju Nam

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中国农村资产社会政策: 社会养老保险制度的变革 [Asset-based policy in rural China: An innovation in the Retirement Social Insurance Program], Baorong Guo, Jin Huang, Li Zou, and Michael Sherraden

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中国呼图壁养老保险质押贷款项目双重激: 励和双重资产积累 [Dual incentives and dual asset building: The Hutubi Rural Social Security Loan Program in China], Baorong Guo, Jin Huang, Michael Sherraden, and Li Zou

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中国新疆维吾尔自治区资产建设项目初探: 对呼图壁县试点项目参与者的深度访谈 [Asset building in the Xinjiang Uygur Autonomous Region of China: In-depth interviews with participants in the Hutubi Pilot Study], Li Zou

Research from 2006

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Academic Capabilities and Disadvantaged Students: The Role of Institutions, William Elliott III and Margaret Sherrard Sherraden

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Account Monitoring Report at December 31, 2005, Lisa Reyes Mason, Vernon Loke, and Margaret Clancy

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Asset-Based Policy in Indonesia: Pilot Study and Emerging Opportunities, Michael Sherraden and Li Zou

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Asset-Building Initiatives in Peru and Colombia: Pilot Study and Directions, Yves Moury

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Attitudes Towards the Child Trust Fund: What Do Parents Think?, Rajiv Prabhakar

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Barriers to Asset Accumulation for Families in the SEED Pre-School Demonstration and Impact Assessment, Sondra G. Beverly and Jared Barton

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Building Assets From Birth: A Comparison of the Policies and Proposals on Children Savings Accounts in Singapore, the United Kingdom, Canada, Korea, and the United States, Vernon Loke and Michael Sherraden

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Contributions of the Earned Income Tax Credit to Community Development in Indian Country, Kristen Wagner, Karen Edwards, Miriam Jorgensen, and Dana Klar

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Coordinating Individual Development Accounts and the Workforce Investment Act to Increase Access to Postsecondary Education and Training, Mark Greenberg and Nisha Patel

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Differences Between SEED Account Openers and Non-Openers: Demographic and Economic Characteristics, Sondra G. Beverly

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Do Assets Affect Well-Being? Perceptions of Youth in a Matched Savings Program, Edward Scanlon and Deborah Adams

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Economic Empowerment as a Health Care Intervention Among Orphaned Children in Rural Uganda, Fred M. Ssewamala, Stacey Alicea, William M. Bannon Jr., and Leyla Ismayilova

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Financial Knowledge, Attitudes, Ownership, and Practices Among Families in the SEED Pre-School Demonstration and Impact Assessment, Sondra G. Beverly

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From Financial Literacy to Financial Capability Among Youth, Elizabeth Johnson and Margaret S. Sherraden

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Homeownership Across the American Life Course: Estimating the Racial Divide, Thomas A. Hirschl and Mark R. Rank

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How Young People Save Money: Findings From Interviews With SEED Participants, Edward Scanlon, Jennifer Wheeler Brooks, and Deborah Adams

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Inclusion in College Savings Plans: Participation and Saving in Maine's Matching Grant Program, Margaret Clancy, Chang-Keun Han, Lisa Reyes Mason, and Michael Sherraden

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MIS IDA Operations Manual: Management Information System for Individual Development Accounts, Center for Social Development

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Reforming 529 College Savings Plans to Better Reach Low-Income Families, Margaret Clancy and Leslie Parrish

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Saving for College in Maine's Matching Grant Program: Account Owner Experiences, Lisa Reyes Mason, Margaret Clancy, Margaret Sherraden, and Chang-Keun Han

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Saving in Individual Development Accounts: Latent Growth Curve Modeling, Chang-Keun Han

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SEED Account Monitoring Research at June 30, 2006, Lisa Reyes Mason, Vernon Loke, and Margaret Clancy

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State-Level Individual Development Account (IDA) Policy: Opportunities and Challenges for Rural Areas, Karen Edwards and Jon Bailey

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State Policy Options for Building Assets, Leslie Parrish, Heather McCulloch, and Karen Edwards

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The I Can Save Program: School-Based Children's Saving Accounts for College, Margaret Sherraden, Lissa Johnson, William Elliott, Shirley Porterfield, and William Rainford

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Using Individual Development Accounts for Microenterprise Development, Fred M. Ssewamala, Margaret Lombe, and Jami C. Curley