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Saving, IDA Programs, and Effects of IDAs: A Survey of Participants


Author Info

  • Amanda Moore

    (Washington University in St. Louis)

  • Sondra Beverly

    (University of Kansas)

  • Mark Schreiner


  • Michael Sherraden


  • Margaret Lombe


  • Esther Y. N. Cho


  • Lissa Johnson


  • Rebecca Vonderlack



Individual Development Accounts (IDAs) are special savings accounts designed to help people build assets to reach life goals and to achieve long-term security. Account-holders receive matching funds as they save for purposes such as buying a first home, attending job training, going to college, or financing a small business. Research has shown that most low-income participants save in IDAs (Sherraden et al., 2000). But what do participants think about the match rates, the withdrawal restrictions, and other institutional attributes of IDAs? How do they manage to set aside money for IDA deposits? And what effects do they perceive from their participation in IDA programs? This report uses cross-sectional survey data from current (N=298) and former (N=20) IDA participants in the American Dream Demonstration to address these and other questions.

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Bibliographic Info

Paper provided by EconWPA in its series Microeconomics with number 0108002.

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Length: 65 pages
Date of creation: 02 Sep 2001
Date of revision: 27 Dec 2001
Handle: RePEc:wpa:wuwpmi:0108002

Note: Type of Document - Adobe Acrobat 3.0; prepared on Windows 98; to print on Adobe Acrobat 3.0; pages: 65 ; figures: Included in pdf file
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Keywords: Individual Development Accounts; asset effects; financial literacy; savings incentives;

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  1. E. J. Bird & P. A. Hagstrom & R. Wild, . "Credit Cards and the Poor," Institute for Research on Poverty Discussion Papers 1148-97, University of Wisconsin Institute for Research on Poverty.
  2. Beverly, Sondra G. & Sherraden, Michael, 1999. "Institutional determinants of saving: implications for low-income households and public policy," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 28(4), pages 457-473.
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Cited by:
  1. Curley, Jami & Ssewamala, Fred & Han, Chang-Keun, 2010. "Assets and educational outcomes: Child Development Accounts (CDAs) for orphaned children in Uganda," Children and Youth Services Review, Elsevier, vol. 32(11), pages 1585-1590, November.
  2. Rist, Carl & Humphrey, Liana, 2010. "City and community innovations in CDAs: The role of community-based organizations," Children and Youth Services Review, Elsevier, vol. 32(11), pages 1520-1527, November.
  3. Wheeler-Brooks, Jennifer & Scanlon, Edward, 2009. "Perceived facilitators and barriers to saving among low-income youth," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 38(5), pages 757-763, October.
  4. Williams Shanks, Trina R. & Kim, Youngmi & Loke, Vernon & Destin, Mesmin, 2010. "Assets and child well-being in developed countries," Children and Youth Services Review, Elsevier, vol. 32(11), pages 1488-1496, November.
  5. Grinstein-Weiss, Michal & Williams Shanks, Trina R. & Manturuk, Kim R. & Key, Clinton C. & Paik, Jong-Gyu & Greeson, Johann K.P., 2010. "Homeownership and parenting practices: Evidence from the community advantage panel," Children and Youth Services Review, Elsevier, vol. 32(5), pages 774-782, May.


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