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 2016

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Building Financial Knowledge Is Not Enough: Financial Self-Efficacy as a Mediator in the Financial Capability of Low-Income Families, David W. Rothwell, Mohammad N. Khan, and Katrina Cherney

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Case to Cause: Back to the Future, Mimi Abramovitz and Margaret S. Sherraden

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Celebrating Six Decades of Social Work and Advancing Financial Capability and Asset Development, Tricia B. Bent-Goodley, Margaret S. Sherraden, Jodi Jacobson Frey, Julie Birkenmaier, Christine Callahan, and Gena G. McClendon

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Characteristics and Hardships Associated With Bank Account Ownership Among Refund to Savings Participants, Michal Grinstein-Weiss, Dana C. Perantie, Jane E. Oliphant, Anna deRuyter, and Mathieu R. Despard

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Coming of Age on a Shoestring Budget: Financial Capability and Financial Behaviors of Lower-Income Millennials, Stacia West and Terri Friedline

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Do Tax-Time Savings Deposits Reduce Hardship Among Low-Income Filers? A Propensity Score Analysis, Michal Grinstein-Weiss, Mathieu R. Despard, Shenyang Guo, Blair Russell, Clinton Key, and Ramesh Raghavan

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Ethnic Differences in Financial Outcomes Among Low-Income Older Asian Immigrants: A Financial Capability Perspective, Yunju Nam, Jin Huang, and Eun Jeong Lee

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Financial Anxiety in Low- and Moderate-Income Households: Findings From the Household Financial Survey, Stephen P. Roll, Samuel H. Taylor, and Michal Grinstein-Weiss

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Financial Capability and Asset Building: Building Evidence for Community Practice, Julie Birkenmaier, Margaret S. Sherraden, Jodi Jacobson Frey, Christine Callahan, and Anna Maria Santiago

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Financial Capability and Asset Building in the Curricula: Student Perceptions, Vernon Loke

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Financial Capability in Early Social Work Practice: Lessons for Today, Paul H. Stuart

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Financial Inclusion in China: Use of Credit, Zibei Chen and Minchao Jin

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Financial Knowledge and Behaviors of Chinese Migrant Workers: An International Perspective on a Financially Vulnerable Population, Zibei Chen and Catherine M. Lemieux

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Financial Outcomes in SEED for Oklahoma Kids, Margaret M. Clancy, Sondra G. Beverly, and Michael Sherraden

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Frequently Asked Questions About the Features of Child Development Accounts in Israel, Michal Grinstein-Weiss, Meredith Covington, Megan Brewster, and Jane E. Oliphant

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From Being Unbanked to Becoming Unbanked Or Unbankable: Community Experts Describe Financial Practices of Latinos in East Los Angeles, Larissa A. Padua and Joanna K. Doran

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Growing Financial Assets for Foster Youths: Expanded Child Welfare Responsibilities, Policy Conflict, and Caseworker Role Tension, Clark M. Peters, Margaret S. Sherraden, and Ann Marie Kuchinski

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Home Delinquency Rates Are Lower Among ACA Marketplace Households: Evidence From a Natural Experiment, Emily A. Gallagher, Radhakrishnan Gopalon, Michal Grinstein-Weiss, Stephen P. Roll, and Genevieve Davison

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How the Emerging U.S. Retirement System Magnifies Wealth Inequality, Karl Polzer

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Improved Financial Capability Can Reduce Material Hardship Among Mothers, Jin Huang, Yunju Nam, Michael Sherraden, and Margaret M. Clancy

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International Child Development Accounts, Michael Sherraden, Li-Chen Cheng, Fred M. Ssewamala, Youngmi Kim, Vernon Loke, Li Zou, Gina Chowa, David Ansong, Lissa Johnson, Yung Soo Lee, Michal Grinstein-Weiss, Margaret M. Clancy, Jin Huang, Sondra G. Beverly, Yunju Nam, and Chang-Keun Han

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Leveraging Tax Time to Build Financial Capability: Research Evidence and Policy Directions, Meredith Covington, Jane E. Oliphant, and Michal Grinstein-Weiss

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Material Hardship and Children's Social-Emotional Development: Testing Mitigating Effects of Child Development Accounts in a Randomized Experiment, Jin Huang, Youngmi Kim, and Michael Sherraden

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Promoting Financial Capability of Incarcerated Women for Community Reentry: A Call to Social Workers, Cynthia K. Sanders

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Racial Disparities in Education Debt Burden Among Low- and Moderate-Income Households, Michal Grinstein-Weiss, Dana C. Perantie, Samuel H. Taylor, Shenyang Guo, and Ramesh Raghavan

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Racial Disparities in Student Debt: Evidence From the Refund to Savings Initiative, Samuel H. Taylor, Dana C. Perantie, Nava Kantor, Michal Grinstein-Weiss, Shenyang Guo, and Ramesh Raghavan

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Research Summary: Universal Accounts at Birth: Results From SEED for Oklahoma Kids, Sondra G. Beverly, Margaret M. Clancy, and Michael Sherraden

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Social Work's Response to Poverty: From Benefits Dependence to Economic Self-Sufficiency, Lauren B. Gates, Jennifer Koza, and Sheila H. Akabas

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Student Debt and Hardship: Evidence From a Large Sample of Low- and Moderate-Income Households, Mathieu R. Despard, Dana Perantie, Samuel Taylor, Michael Grinstein-Weiss, Terri Friedline, and Ramesh Raghavan

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Support for a Tax-Time Savings Policy: Interest in Deferring Tax Refunds With Matched Incentives, Dana C. Perantie, Jane E. Oliphant, and Michal Grinstein-Weiss

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Testing Universal Child Development Accounts: Financial Impacts in a Large Social Experiment, Margaret M. Clancy, Sondra G. Beverly, Michael Sherraden, and Jin Huang

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The Burden of Student Debt: Findings From a Survey of Low- and Moderate-Income Households, Mathieu R. Despard, Samuel H. Taylor, Dana C. Perantie, and Michal Grinstein-Weiss

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The Excluded: An Estimate of the Consequences of Denying Social Security to Agricultural and Domestic Workers, David Stoesz

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The Impacts of Individual Development Accounts, Assets, and Debt on Future Orientation and Psychological Depression, William M. Rohe, Clinton Key, Michal Grinstein-Weiss, Mark Schreiner, and Michael Sherraden

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The Role of Health Insurance in the Financial Lives of Low- and Moderate-Income Households, Mathieu R. Despard, Dana C. Perantie, Jane E. Oliphant, Stephen P. Roll, and Michal Grinstein-Weiss

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Toward Culturally Sensitive Financial Education Interventions With Latinos, Liza Barros Lane and Suzanne Pritzker

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Training Social Workers and Human Service Professionals to Address the Complex Financial Needs of Clients, Jodi Jacobson Frey, Karen Hopkins, Philip Osteen, Christine Callahan, Sally Hageman, and Jungyai Ko

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Unmarried Mothers and Children's Social-Emotional Development: The Role of Child Development Accounts, Jin Huang, Youngmi Kim, Michael Sherraden, and Margaret M. Clancy

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“We Routinely Borrow to Survive”: Exploring the Financial Capability of Income-Poor People in India, Mahasweta M. Banerjee

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Youth Savings Patterns and Performance in Colombia, Ghana, Kenya, and Nepal, Lissa Johnson, YungSoo Lee, David Ansong, Margaret S. Sherraden, Gina Chowa, Fred Ssewamala, Li Zou, Michael Sherraden, Moses Njenga, Joseph Kieyah, Issac Osei-Akoto, Sharad Sharma, Jyoti Manandhar, Catherine Rodriguez Orgales, Frederico Merchán, and Juan Saavedra

Research from 2015

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Adopting a Financial Capability and Asset Building Curriculum at Historically Black Colleges and Universities, Michael Rochelle, Gena McClendon, Melody Brackett, Michael Wright, and Margaret Sherraden

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Asset-Based Policy in China: Applied Projects and Policy Progress, Li Zou, Baorong Guo, Suo Deng, Jin Huang, Minchao Jin, and Michael Sherraden

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Asset-Based Policy in Hong Kong: Child Development Fund, Li Zou, Simon Lai, and Michael Sherraden

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Asset-Based Policy in South Korea, Youngmi Kim, Li Zou, Soyoon Weon, Michael Sherraden, and Jin Yong Choi

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Building Children's Assets in Singapore: The Beginning of a Lifelong Policy, Vernon Loke and Michael Sherraden

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Can Child Development Accounts Be Inclusive? Early Evidence From a Statewide Experiment, Sondra G. Beverly, Youngmi Kim, Michael Sherraden, Yunju Nam, and Margaret M. Clancy

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Child Development Accounts and Parental Educational Expectations for Young Children: Early Evidence From a Statewide Social Experiment, Youngmi Kim, Michael Sherraden, Jin Huang, and Margaret Clancy

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Closing the Racial Wealth Gap: Innovative Solutions for Change, Southern Regional Asset Building Coalition

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College Savings Plans: A Platform for Inclusive and Progressive Child Development Accounts, Margaret M. Clancy, Michael Sherraden, and Sondra G. Beverly

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Creating Financial Capability in the Next Generation: An Introduction to the Special Issue, Margaret S. Sherraden and Michal Grinstein-Weiss