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.

Follow


Research from 2000

PDF

Commentary on Empirical Research on an Asset Building Policy: A Microeconomic Perspective, Anne E. Winkler

PDF

Discussant Comments, Larry Davis

PDF

Discussant Comments, Steve Fazzari

PDF

Discussant Comments, Mark R. Rank

PDF

Family Matters: Kin Networks and Asset Accumulation, Ngina Chiteji and Darrick Hamilton

PDF

From Research to Policy: Lessons From Individual Development Accounts, Michael Sherraden

PDF

Going to Scale: Principles and Policy Options for an Inclusive Asset-Building Policy, Robert Friedman and Ray Boshara

PDF

Homeownership and Youth Well-Being: An Empirical Test of Asset-Based Welfare, Edward Scanlon and Deborah Page-Adams

PDF

Linking Tax Refunds and Low-Cost Bank Accounts, Sondra G. Beverly, Jennifer Tescher, and David Marzahl

PDF

Listening to African-American Students: An Exploratory Analysis of Factors That Foster Academic Success, Julie Miller-Cribbs, Larry Davis, Stephanie Cronen, and Sharon Johnson

PDF

On Costs and the Future of Individual Development Accounts, Michael Sherraden

PDF

Reaching out to the Unbanked, John Caskey

PDF

Resources Used to Produce Individual Development Accounts in the First Two Years of the Experimental Program of the American Dream Demonstration at the Community Action Project of Tulsa County, Mark Schreiner

PDF

Saving and Asset-Accumulation Strategies Used by Low-Income Individuals, Amanda Moore McBride, Sondra Beverly, Michael Sherraden, Margaret Sherraden, Lissa Johnson, and Mark Schreiner

PDF

Saving Patterns in IDA Programs, Michael Sherraden, Lissa Johnson, Margaret Clancy, Sondra Beverly, Mark Schreiner, Min Zhan, and Jami Curley

PDF

The EITC and USA's/IDA's: Maybe a Marriage Made in Heaven, Timothy Smeeding

PDF

The Homestead Act: A Major Asset-Building Policy in American History, Trina Williams Shanks

PDF

The Impact of Parental Wealth on Living Standards in Israel, Seymour Spilerman

PDF

The Impacts of IDA Programs on Family Savings and Asset-Holdings, Michael Stegman, Robert Faris, and Oswaldo Urdapilleta Gonzales

PDF

The Material Conditions for Microenterprise in the United States and the Third World, Mark Schreiner

PDF

The Thrift Savings Plan Experience: Implications for a Universal Asset Account Initiative, Elaine Rideout-Fisher

PDF

The Universal Piggy Bank: Designing and Implementing a System of Savings Accounts for Children, Fred T. Goldberg Jr. and Jodi Birk Cohen

PDF

Toward Progressive Pensions: A Summary of the U.S. Pension System and Proposals for Reform, Peter Orszag and Robert Greenstein

PDF

Use of Financial Services and the Poor, Jeanne M. Hogarth and Jinkook Lee

PDF

Who Are the Asset Poor? Levels, Trends, and Composition, 1983-1998, Robert Haveman and Edward N. Wolff

Research from 1999

PDF

A Cost-Effectiveness Analysis of the Grameen Bank of Bangladesh, Mark Schreiner

PDF

Aspects of Outreach: A Framework for the Discussion of the Social Benefits of Microfinance, Mark Schreiner

PDF

Documenting the Costs of Slavery, Segregation, and Contemporary Discrimination: Are Reparations in Order for African Americans?, Joe Feagin

PDF

Downpayments on the American Dream Policy Demonstration, Michael Sherraden, Deborah Page-Adams, Lissa Johnson, Edward Scanlon, Jamie Curley, Min Zhan, Alfreda Bady, and James Hinterlong

PDF

Economic Poverty Reconsidered: The Case for "Direct" Measures, Sondra G. Beverly

PDF

Implementation and Outcomes of an Individual Development Account Project, Diane Lazear

PDF

The Effects of Assets on the Economic Well-Being of Women After Marital Disruption, EstherYin-Nei Cho

PDF

The Impact of Homeownership on the Life Satisfaction of African-Americans, Edward Scanlon

PDF

The Subsidy Dependence Index and Recent Attempts to Adjust It, Mark Schreiner and Jacob Yaron

Research from 1998

PDF

Building Social Capital From the Center: A Village-Level Investigation of Bangladesh's Grameen Bank, Lisa Larance

PDF

Landholding and Household Development: What Do We Know?, Min Zhan and Michael Sherraden

PDF

On the Precipice of Reform: Welfare Spell Durations for Rural, Female-Headed Families, Shirley Porterfield

PDF

The History and Status of Children's Allowances: Policy Background for Children's Savings Accounts, Jami C. Curley and Michael Sherraden

Research from 1997

PDF

Home Mortgage Lending in St. Louis City: An Analysis of 1992 and 1994 Home Mortgage Disclosure Act Data, Edward Scanlon and Shirley Emerson

PDF

Homeownership and Well-Being Among Blue-Collar Workers, Deborah Page-Adams and Nancy Vosler

PDF

How Can the Poor Save? Theory and Evidence on Saving in Low-Income Households, Sondra Beverly

PDF

Human Capital and Social Work, Sondra Beverly and Michael Sherraden

PDF

Individual Development Accounts: Creative Savings for Families and Communities, Karen Edwards

PDF

Mortgage Lending: Is Gender a Factor?, Cynthia K. Sanders, Edwaard Scalon, and Shirley R. Emerson

Research from 1996

PDF

Education, Assets, and Intergenerational Well-Being: The Case of Female Headed Families, Li-Chen Cheng and Deborah Page-Adams

PDF

Homeownership and Its Impacts: Implications for Housing Policy for Low-Income Families, Edward Scanlon

PDF

What We Know About Effects of Asset Holding: Implications for Research on Asset-Based Anti-Poverty Initiatives, Deborah Page-Adams and Michael Sherraden

Research from 1995

PDF

Effects of Assets on Attitudes and Behaviors: Advance Test of a Social Policy Proposal, Gautam N. Yadama and Michael Sherraden