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 2004

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Organizing for Economic Empowerment of Battered Women: Women's Savings Accounts, Cynthia K. Sanders and Meg Schnabel

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Overcoming Poverty: Supported Saving as a Household Development Strategy, Margaret S. Sherraden, Trina Williams, Amanda Moore McBride, and Fred Ssewamala

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Profile of Older Adults Participating IDAs: Findings from the American Dream Demonstration, Michelle Putnam, Nancy Morrow-Howell, Lin Zhang, and Michael Sherraden

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Program Costs for Individual Development Accounts: Final Figures From Captc in Tulsa, Mark Schreiner

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Racial Differences in Performance in a Matched Savings Program, Michal Grinstein-Weiss and Michael Sherraden

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Saving for Microenterprise in Individual Development Accounts: Lessons From the American Dream Demonstration, Fred M. Ssewamala and Michael Sherraden

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Saving for Post-Secondary Education in Individual Development Accounts, Min Zhan and Mark Schreiner

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Saving Performance in Individual Development Accounts: Does Marital Status Matter?, Michal Grinstein-Weiss, Min Zhan, and Michael Sherraden

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Savings Outcomes of Older Adults Participating IDAs: Findings from the American Dream Demonstration, Michelle Putnam, Nancy Morrow-Howell, Lin Zhang, and Michael Sherraden

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SEED Account Monitoring Report 2003, Margaret Clancy

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State IDA Policy Brief: Promoting Asset Building Through the Earned Income Tax Credit, Center for Social Development and Corporation for Enterprise Development

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Support for Microenterprise as Asset-Building: Concepts, Good Practices, and Measurement, Mark Schreiner

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The Impacts of Household Wealth on Child Development, Trina Williams Shanks

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What States Can Do to Remove Penalties for Saving, Center for Social Development and Corporation for Enterprise Development

Research from 2003

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A Comparative Analysis of Rural and Urban Saving Performance in Individual Development Accounts, Jami Curley and Michal Grinstein-Weiss

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American Indian Tribal Communities and Individual Development Account (IDA) Policy, Juliet King, Sarah Hicks, Karen Edwards, and Alisa Larson

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Asset-Building Policy as a Response to Wealth Inequality: Drawing Implications From the Homestead Act, Trina Williams Shanks

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Assets Effects on Women: A Study of Urban Households in Nepal, Shanta Pandey

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Assets in the Context of Welfare Theory: A Developmentalist Interpretation, James Midgley

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Children's Development Accounts: The Oregon Story, Beverly Stein and Robert Freedman

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College Savings Plans and Individual Development Accounts: Potential for Partnership, Margaret Clancy

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Developing Family Development Accounts in Taipei: Policy Innovation From Income to Assets, Li-Chen Cheng

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Disentangling the Dynamics of Family Poverty and Child Disability: Does Disability Come First?, Shirley L. Porterfield and Colleen Tracey

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Economic Factors in Intimate Partner Conflict and Violence, Shannon Collier-Tenison

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Everything You Own Belongs to the Land: Land, Community, and History in Tillery, North Carolina, Derek J. Miller

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Federal Policy and Asset Building, Ray Boshara

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Individual Development Accounts in Rural Communities: Implications for Research, Michal Grinstein-Weiss and Jami Curley

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Linking Tax Refunds and Low-Cost Bank Accounts: A Social Development Strategy for Low-Income Families?, Sondra G. Beverly, Jennifer L. Romich, and Jennifer Tescher

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Michigan IDA Partnership: Year 2 Program Evaluation Report, Jan L. Losby, Maria L. Hein, and Jill R. Robinson

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Microenterprise Performance: A Comparison of Experiences in the United States and Uganda, Margaret S. Sherraden, Fred M. Ssewamala, and Cynthia K. Sanders

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Rapid Assets Individual Development Accounts, August 2003: Impact Report, Good Faith Fund

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Recommendations From the Field: Individual Development Accounts as Part of a Universal Asset-Building System, Robert O. Zdenek and Beverly Stein

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Savings Outcomes of Single Mothers in Individual Development Accounts, Min Zhan

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State Policy Trends for Individual Development Accounts in the United States: 1993–2003, Karen Edwards and Lisa Marie Mason

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Tax Credits and IDA Programs, Gena S. Gunn, Anupama Jacob, and Melinda Lewis

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The Effects of Individual Development Account Programs: Perceptions of Participants, Amanda Moore McBride, Margaret Lombe, and Sondra G. Beverly

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The Oregon Children's Development Account Story, Robert Freedman

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The Potential for Inclusion in 529 Savings Plans: Report on a Survey of States, Margaret Clancy and Michael Sherraden

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The Struggle to Make Ends Meet: Teen Employment and the 1996 Federal Welfare Legislation, Shirley L. Porterfield and Anne E. Winkler

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Using Tax Refunds to Promote Asset Building in Low-Income Households: Program and Policy Options, Sondra G. Beverly and Colleen Dailey

Research from 2002

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Asset-Based Policy and the Child Trust Fund, Michael Sherraden

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Crossing Divides: New Common Ground on Poverty and Economic Security, Tammy Draut, David Callahan, and Corinna Hawkes

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Design, Implementation, and Administration of Individual Development Account Programs, Downpayments on the American Dream Policy Demonstration: A National Demonstration of Individual Development Accounts, Deborah Adams

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Drop-Out From Individual Development Accounts: Prediction and Prevention, Mark Schreiner and Michael Sherraden

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Effects of Mothers' Assets on Expectations and Children's Educational Achievement in Female-Headed Households, Min Zhan and Michael Sherraden

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Friends, Family, and Neighborhood: Understanding Academic Outcomes of African American Youth, Trina Williams, Larry Davis, Julie Miller-Cribbs, Jeanne Saunders, and James Herbert Williams

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Gender Differences in Self-Perceptions and Academic Outcomes: A Study of African American High School Students, Jeanne Saunders, Larry Davis, Trina Williams, and Julie Miller Cribbs

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Income, Institutions, and Saving Performance in Individual Development Accounts, Michael Sherraden, Mark Schreiner, and Sondra Beverly

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Increasing Access to Housing for Low-Income Families, Courtney Smith

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Individual Development Accounts: Summary of Research, Michael Sherraden