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 2017

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Employee Financial Wellness Programs: A Review of the Literature and Directions for Future Research, Geraldine Hannon, Meredith Covington, Mat Despard, Ellen Frank-Miller, and Michal Grinstein-Weiss

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Employee Financial Wellness Programs Project: Comprehensive Report of Findings, Ellen Frank-Miller, Meredith Covington, Mathieu R. Despard, Geraldine Hannon, and Michal Grinstein-Weiss

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Financial Capability, Margaret S. Sherraden

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Financial Capability and Asset Building in Social Work Education, Jodi Jacobson Frey, Margaret S. Sherraden, Julie Birkenmaier, and Christine Callahan

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

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Financial Literacy in China: Priorities and a Direction, Yiqing Yuan and Minchao Jin

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For Their Financial Benefit: Determination of Financial Capability for Adult Beneficiaries of Social Security Disability, Julie Birkenmaier, María Aranda, Paul S. Appelbaum, and Mark A. Norman

Qiong Ren Neng Zan Qian Ma, Mark Schreiner, Michael Sherraden, and Y. Sun

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Statewide Child Development Account Policies: Key Design Elements, Margaret M. Clancy and Sondra G. Beverly

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"Taking the Bank to the Youth:" Impacts on Saving and Asset Building From the Ghana YouthSave Experiment, YungSoo Lee, Lissa Johnson, David Ansong, Isaac Osei-Akoto, Rainier Masa, Gina Chowa, and Michael Sherraden

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The Role of Child and Parent Savings in Promoting Expectations for University Education Among Middle School Students in Ghana: A Propensity Score Analysis, David Ansong, Shiyou Wu, and Gina A.N. Chowa

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The Role of Parents in Introducing Children to Financial Services: Evidence From Ghana-YouthSave, Shiyou Wu, Mathieu R. Despard, and Gina Chowa

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Universal and Progressive Child Development Accounts: A Policy Innovation to Reduce Educational Disparity, Michael Sherraden, Margaret M. Clancy, Yunju Nam, Jin Huang, Youngmi Kim, Sondra G. Beverly, Lisa Reyes Mason, Trina R. Williams Shanks, Nora Ellen Wikoff, Mark Schreiner, and Jason Q. Purnell

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Workplace Financial Wellness Services: A Primer for Employers, Center for Social Development

Research from 2016

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A Multi-University Economic Capability-Building Collaboration, Shelley Horwitz and Katharine Briar-Lawson

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Annual Report on the ASSET Project's Head Start Family Financial Capability Pilot: 2014–2015, Anne S. Robertson and Jami Curley

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A Savings Account for Every Child Born in Israel: Recommendations for Program Implementation, Michal Grinstein-Weiss, Meredith Covington, Margaret M. Clancy, and Michael Sherraden

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Asset Building: Toward Inclusive Policy, Michael Sherraden, Lissa Johnson, Margaret Clancy, Sondra G. Beverly, Margaret S. Sherraden, Mark Schreiner, William Elliott III, Trina Shanks William, Deborah Adams, Jami C. Curley, Jin Huang, Michal Grinstein-Weiss, Yunju Nam, Min Zhan, and Chang-Kuen Han

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Behavioral Interventions to Increase Tax-Time Saving: Evidence From a National Randomized Trial, Michal Grinstein-Weiss, Blair D. Russell, William G. Gale, Clinton Key, and Dan Ariely

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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