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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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

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Using Individual Development Accounts to Save for a Home: Are There Differences by Race?, Michal Grinstein-Weiss and Kristen Wagner

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Wealth Building in Rural America: Perspective, Knowledge, Outlook, Jami C. Curley, Brian Dabson, Elisabeth Howard, E. G. Nadeau, and Michael Sherraden

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Wealth Building in Rural America: Potential in Human Diversity, Jami C. Curley, Brian Dabson, Anna Lee, Kathleen K. Miller, Luxman Nathan, Trina R. Shanks, and Michael Sherraden

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Wealth Building in Rural America: Programs, Policies, Research, Jon Bailey, Jami Curley, Karen Edwards, Gena Gunn, Eric Henson, Njeri Kagotho, Anna Lee, Kathleen K. Miller, Luxman Nathan, Trina R. Shanks, Michael Sherraden, Margaret S. Sherraden, Jean Schumacher, Bill Schweke, and Ann Ulmer

Research from 2005

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Account Monitoring Report 2004, Margaret Clancy

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Account Monitoring Report at June 30, 2005, Richard LaRock and Margaret Clancy

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Achieving the American Dream? a Longitudinal Analysis of the Homeownership Experiences of Low-Income Households, Carolina Katz Reid

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ADD Implementation Assessment: Design, Implementation, and Administration of Individual Development Account Programs in the American Dream Demonstration, Deborah Adams

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ADD: Lessons From the Uk, Dominic Maxwell and Will Paxton

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African-American: Building the Country, Losing the Land, Trina Williams Shanks

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Age as Asset: The Contribution of Youth and Retirees to Rural Well-Being, Kathleen K. Miller and Brian Dabson

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Asset-Building in Rural Areas, Mark Schreiner

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Asset-Building in Rural Communities: The Experience of Individual Asset Accounts, Michal Grinstein-Weiss and Jami Curley

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Asset-Building in Tribal Communities: Generating Native Discussion and Practical Approaches, Sarah Hicks, Karen Edwards, Mary Kate Dennis, and Christy Finsel

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Asset-Building Programs for People With Disabilities in Rural Areas: Including Independent Living and Long-Term Care Planning Education, Michelle Putnam and Fengyan Tang

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Building Financial Bridges to Economic Development and Community Integration: Recommendations for a Research Agenda on Asset Development for People With Disabilities, Michelle Putnam, Michael Sherraden, Karen Edwards, Shirley Porterfield, David Wittenburg, Karen Holder, and Patricia Welch Saleeby

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Building Tribal Economies: Linking Asset Building Strategies, Jordan Lewis

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Children Development Accounts in Africa: A Pilot Study, Fred Ssewamala

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Diffusion of Policy Innovation: The Case of Individual Development Accounts (IDAs) as an Asset-Building Policy, Michal Grinstein-Weiss, Kristen Wagner, and Karen Edwards