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 2008

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Determinants of Asset Building, Sondra G. Beverly, Michael Sherraden, Min Zhan, Trina R. Williams Shanks, Yunju Nam, and Reid Cramer

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Dialogues on Assets in Native Communities: Recording a Native Perspective on the Definition and Benefits of Retaining and Building Assets, Amy Locklear Hertel, Kristen Wagner, John Phillips, Karen Edwards, and Jessica Hale

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Does Banking Experience Matter: Differences of the Banked and Unbanked in Individual Development Accounts, Michal Grinstein-Weiss, Yeong H. Yeo, Mathieu R. Despard, and Min Zhan

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EITC in Indian Country: Moving Beyond the Safety Net to Asset Building, Kristen Wagner and Amy Locklear Hertel

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Equal Opportunity for All?: Parental Economic Resources and Children's Educational Achievement, Yunju Nam and Jin Huang

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Excluding 529 College Savings Plan Accounts From Oklahoma Public Assistance Asset Limit Tests, Lisa Reyes Mason, Margaret M. Clancy, and Soda Lo

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Exploring Saving Performance in an IDA for People With Disabilities: Some Preliminary Findings, Margaret Lombe, Jin Huang, Michelle Putnam, and Kate Cooney

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Faith-Based Institutions as Project Implementers: An Innovative Economic Empowerment Intervention for Care and Support of Aids-Orphaned and Vulnerable Children in Rural Uganda, Fred Ssewamala and Leyla Ismayilova

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Helping People Act on Their Hopes Rather Than Their Fears: Lessons From Non-Enrollees in the SEED Initiative, Trina Williams Shanks, Toni Johnson, and Kerri Nicoll

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Household Assets and Health in China: Evidence and Policy Implications, Baorong Guo, Lin Zhang, and Michael Sherraden

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IDAs and Asset-Building Policy: Lessons and Directions, Michael Sherraden

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Matched Savings Initiatives in Hungary and Slovakia: Pilot Projects and Future Directions, David Meier

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Measuring the Impact of a Community Revitalization Program: The Case of Beyond Housing in Pagedale, Missouri, William Winter and William Elliott III

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Parental Assets: A Pathway to Positive Child Educational Outcomes, Michal Grinstein-Weiss, Yeong H. Yeo, Kate Irish, and Min Zhan

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Policy Forming Mechanisms in Rural China, Ai-Jun Qiu

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Raising Parent Expectations: Can Wealth and Parent College Accounts Help?, William Elliott III and Kristen Wagner

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SEED for Oklahoma Kids: Demonstrating Child Development Accounts for All Newborns, Michael Sherraden and Margaret M. Clancy

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SEED for Oklahoma Kids: Launch Media Report, Center for Social Development

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State 529 Matching Grant Program Summary, Margaret M. Clancy, Lisa Reyes Mason, and Soda Lo

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The Effects of Holding Assets on Social and Economic Outcomes of Families: A Review of Theory and Evidence, Robert Lerman and Signe-Mary McKernan

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The Hutubi Rural Social Security Loan Program in Xinjiang, China, Shifei Zhang

Research from 2007

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Assessing Asset Data on Low-Income Households, Caroline Ratcliffe, Henry Chen, Trina R. Williams Shanks, Yunju Nam, Mark Schreiner, Min Zhan, and Michael Sherraden

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Asset-Based Policy in Rural China: An Innovation in the Retirement Social Insurance Program, Baorong Guo, Jin Huang, Li Zou, and Michael Sherraden

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Asset-Based Policy in Taiwan: Demonstrations and Policy Progress, Li-Chen Cheng

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Asset-Building and Investment in Kenya: Small Pilot Project and Directions, Becky Wachera Gitonga, Kenneth Schultz, Matthew Meyer, and Francis Ngambi

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Asset Building in Sub-Saharan Africa: Toward Sustainable Economic Development for Rural Farmers, Gina Chowa

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Asset Building in the Xinjiang Uygur Autonomous Region of China: In-Depth Interviews With Participants in the Hutubi Pilot Study, Li Zou

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Asset Outcomes for Women and Children: A Research Review, Gina Chowa

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Assets Beyond Saving in Individual Development Accounts, Chang-Keun Han, Michal Grinstein-Weiss, and Michael Sherraden

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Attitudes Toward Institutional Features and Savings in Individual Development Accounts: Latent Class Analysis, Chang-Keun Han and Michael Sherraden

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Building Children's Assets in Singapore: The Post-Secondary Education Account Policy, Vernon Loke and Michael Sherraden

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Can the Poor Save? Saving and Asset Building in Individual Development Accounts, Mark Schreiner and Michael Sherraden

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College Expectations Among Young Children: The Potential Role of Savings, William Elliott III, Margaret Sherrard Sherraden, Lissa Johnson, Suzanne Johnson, and Signe Peterson

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Do Institutions Really Matter for Saving Among Low-Income Households? a Comparative Approach, Chang-Keun Han and Michael Sherraden

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Domestic Violence, Economic Abuse, and Implications of a Program for Building Economic Resources for Low-Income Women, Cynthia K. Sanders

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Dual Incentives and Dual Asset Building: The Hutubi Rural Social Security Loan Program in China, Baorong Guo, Jin Huang, Michael Sherraden, and Li Zou

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Effects of Participating in an Asset-Building Intervention on Social Inclusion, Margaret Lombe and Michael Sherraden

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Examining Minority and Poor Youth's College Aspirations and Expectations: The Potential Role of College Savings, William Elliott III

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Fostering Low-Income Homeownership: A Longitudinal Randomized Experiment on Individual Development Accounts, Michal Grinstein-Weiss, Jung-Sook Lee, Kate Irish, and Chang-Keun Han

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Global Savings, Assets and Financial Inclusion: Lessons, Challenges, and Directions, Jamie M. Zimmerman, Ray Boshara, Michael Sherraden, Li Zou, Kate McKee, Leslie Meek-Wohl, and Amy Feldman

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Increasing Parent Educational Expectations for Children in Sub-Saharan Africa: The Potential Role of Assets, Gina Chowa and William Elliott III

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Individual Development Accounts: Frequently Asked Questions, Michal Grinstein-Weiss and Kate Irish

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SEED Account Monitoring Research: Participants and Savings Outcomes at June 30, 2007, Lisa Reyes Mason, Margaret Clancy, Vernon Loke, Youngmi Kim, Yunju Nam, and Soda Lo

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SEED for Oklahoma Kids: Summary of Project, Research, and Policy Implications, Michael Sherraden and Margaret M. Clancy

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SEED Participant Characteristics and Financial Accumulation, Lisa Reyes Mason, Vernon Loke, Margaret Clancy, Yunju Nam, Youngmi Kim, and Soda Lo

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Specifying Children's Educational Expectations: The Potential Impact of Institutions, William Elliott III

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The Achievement Gap From a Capabilities and Asset Perspective, William Elliott III and Margaret Sherrard Sherraden

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The Balance Sheets of Low-Income Households: What We Know About Their Assets and Liabilities., Adam Carasso and Signe-Mary McKernan

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The Effects of Welfare and IDA Program Rules on the Asset Holding of Low-Income Families, Signe-Mary McKernan, Caroline Ratcliff, and Yunju Nam

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Under-Utilized Contributions by International Students: Case Study for Education and Research, Gina Chowa, Kofi Danso, and Michael Sherraden