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 2013

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How Do Student and School Characteristics Influence Youth Academic Performance in Ghana? A Hierarchical Linear Modeling of Baseline Data From the YouthSave Ghana Experiment, Gina A. N. Chowa, Rainier D. Masa, Yalitza Ramos, and David Ansong

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Is Student Debt Compromising Homeownership as a Wealth-Building Tool?, William Elliott, Michal Grinstein-Weiss, and Ilsung Nam

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Parental Involvement and Academic Performance in Ghana, Gina Chowa, David Ansong, and Issac Osei-Akoto

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Parental Involvement's Effects on Academic Performance: Evidence From the YouthSave Ghana Experiment, Gina A. N. Chowa, Rainier D. Masa, and Jenna Tucker

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Perceived Impact of Individual Development Account Participation Among Native Hawaiians, David W. Rothwell, Rashida Bhaiji, and Anne Blumenthal

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Reducing Student Loan Debt Through Parents’ College Savings, William Elliott and Ilsung Nam

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Refund to Savings (R2S): Insight From the Field, 2012, Krista Holub, Michal Grinstein-Weiss, Clinton Key, and Dan Ariely

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Reimagining How Students and Families Pay for College: From Debt Dependency to Asset Empowerment, William Elliott III

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Relationships Between College Savings and Enrollment, Graduation, and Student Loan Debt, William Elliott III, Hyun-a Song, and Ilsung Nam

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Research Evidence on the CYFI Model of Children and Youth as Economic Citizens, Margaret S. Sherraden and David Ansong

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Saving Behavior in Response to Motivational Prompts: Evidence From the Refund to Savings Experiment, Clinton Key, Michal Grinstein-Weiss, Jenna Tucker, Krista Holub, and Dan Ariely

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

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SEED for Oklahoma Kids: Experimental Test of a Policy Innovation in a Full Population, Lisa Reyes Mason, Yunju Nam, Margaret Clancy, and Michael Sherraden

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Small-Dollar Children's Savings Accounts and College Outcomes, William Elliott III

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Small-Dollar Children's Savings Accounts, Income, and College Outcomes, William Elliott, Hyun-a Song, and Ilsung Nam

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Student Debt and Declining Retirement Savings, William Elliott, Michal Grinstein-Weiss, and Ilsung Nam

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The Impact of Asset Ownership on Future Orientation of Youth and Their Parents: Evidence From the YouthSave Ghana Experiment, Gina A. N. Chowa and Rainier D. Masa

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The Impact of Family Assets and Debt on College Graduation, Min Zhan and Deidre Lanesskog

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The Impact of Family Assets and Debt on College Graduation, Min Zhan and Deidre Lanesskog

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Visual Demonstration of Academic Performance and Parental Involvement in Ghana, David Ansong and Gena A. N. Chowa

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Youth and Their Health in Ghana, Gina Chowa, Rainier Masa, and Isaac Osei-Akoto

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Youth Debt and College Graduation: Differences by Race/Ethnicity, Min Zhan

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

Research from 2012

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

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Assets and Education Research Symposium Report–Linking Savings and Educational Outcomes: Charting a Course for Scholarship and Policy, William Elliott III

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Assets, Economic Opportunity, and Toxic Stress: A Framework for Understanding Child and Educational Outcomes, Trina R. Williams Shanks and Christine Robinson

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Assets for Independence: Asset Building for and by Young People, Sondra G. Beverly

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Cash-Flow and Savings Practices of Low-Income Households: Evidence From a Follow-Up Study of IDA Participants, David W. Rothwell and Nahid Sultana

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Challenges and Opportunities for Youth Saving, Center for Social Development; Kenya Institute for Public Policy Research and Analysis; Institute for Statistical, Social, and Economic Research; and New ERA; Universidad de los Andes

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Closing the Wealth Gap: Building Family & Community Economic Success, Jasmine Bass

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Contributions of Qualitative Research to Understanding Saving Theory for Children and Youth, Margaret Sherraden, Clark Peters, Kristen Wagner, Margaret Clancy, and Baorong Guo

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Does Structural Inequality Begin With a Bank Account?, William Elliott III

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Early Program Enrollment in a Statewide Child Development Account Program, Jin Huang, Sondra Beverly, Margaret Clancy, Terry Lassar, and Michael Sherraden

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Economic Socialization, Saving, and Assets in European Young Adults, Paul Webley and Ellen Nyhus

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Effects of an Individual Development Account Program on Retirement Saving: Follow-Up Evidence From a Randomized Experiment, Michal Grinstein-Weiss, Michael Sherraden, William Gale, William M. Rohe, Mark Schreiner, and Clinton Key

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Financial Knowledge and Attitudes of Youth in Ghana, Gina A. N. Chowa, Mathieu R. Despard, and Isaac Osei-Akoto

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Financial Knowledge and Child Development Account Policy: A Test of Financial Capability, Jin Huang, Yunju Nam, and Margaret Sherrard Sherraden

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From Asset Building to Balance Sheets: A Reflection on the First and Next 20 Years of Federal Assets Policy, Ray Boshara

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Household Assets, School Enrollment and Parental Aspirations for Children's Education in Rural China: Does Gender Matter?, Suo Deng, Jin Huang, Minchao Jin, and Michael Sherraden

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Ideas for Refining Children's Savings Account Proposals, William Elliott III

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Individual Development Accounts and Post-Secondary Education: Evidence From a Randomized Experiment, Michal Grinstein-Weiss, Michael Sherraden, William Gale, William M. Rohe, Mark Schreiner, and Clinton Key

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Intergenerational Transmission of Educational Attainment, Jin Huang

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Interviews With Mothers of Young Children in the SEED for Oklahoma Kids College Savings Experiment, Karen Gray, Margaret Clancy, Margaret S. Sherraden, Kristen Wagner, and Julie Miller-Cribbs

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Long-Term Follow-Up of Individual Development Accounts: Evidence From the ADD Experiment, Michal Grinstein-Weiss, Michael Sherraden, William M. Rohe, William Gale, Mark Schreiner, and Clinton Key

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My Path: An Innovative Initiative to Increase Financial Capability Among Economically Vulnerable Youth, Vernon Loke, Margaret Libby, and Laura Choi

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Parental Asset Accumulation Trajectories and Children's College Outcomes, Vernon Loke

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Parental Educational Expectations by Race/Ethnicity and Socioeconomic Status, Youngmi Kim, Michael Sherraden, and Margaret Clancy

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Parenting Stress Among White, Black, American Indian, and Hispanic Mothers, Yunju Nam, Nora Wikoff, and Michael Sherraden

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Product Pilot Report: Youth Savings Performance in Ghana, Kenya, and Nepal, Lissa Johnson, YungSoo Lee, Isaac Osei-Akoto, Moses Njenga, and Sharad Sharma

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Racial and Ethnic Disparities in Food Insufficiency: Evidence From a Statewide Probability Sample of White, African American, American Indian, and Hispanic Infants, Yunju Nam, Jin Huang, Colleen Heflin, and Michael Sherraden