Michael Wayne Sherraden's Books

Can the Poor Save?

Saving and Asset Building in Individual Development Accounts

By: Mark Schreiner,Michael Wayne Sherraden

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Can the Poor Save?

Saving and Asset Building in Individual Development Accounts

By: Mark Schreiner,Michael Wayne Sherraden

Many policymakers argue that the best poverty policy not only provides cash to the poor for subsistence but also incentives and structures that encourage long-term social and economic improvement. As part of this, they make the case for Individual Development Accounts (IDAs), a new policy proposal designed to help the poor save and to build assets. This book explores IDAs to determine their effectiveness. IDAs are matched savings accounts targeted on low-income, low-wealth individuals. Savings in IDAs are used for home ownership, post-secondary education, small business development, and other purposes. Do IDAs work? If they do, for whom? And does how an IDA is designed determine savings outcomes? This volume is the first analysis of matched savings by the poor to use data from monthly bank statements. It comes at a critical time, as debate rages over the merits of individual social security accounts. IDAs also respond to policy that is becoming more asset based and less inclusive of the poor. The authors argue for the efficacy of IDAs to counter this tendency. They find that while savings outcomes vary among participants, no characteristics (such as low income or public assistance) preclude saving. They examine effects of IDA design (the match rate, savings targets, and the use of automatic transfer) on savings results and analyze factors that influence varying rates of saving and spending over time. They conclude that financial education and other support services, though costly, improve savings performance. To address the issue of cost they suggest a two-tier system of IDA design, one with broad access and simple services and the other with targeted access and intensive services. Can the Poor Save? offers a wealth of lessons to those interested in saving and asset accumulation among the poor. It not only breaks new ground in the scientific study of savings behavior, but also offers concrete, evidence-based recommendations to improve policies designed to encourage the poor to save and how to make such policies more inclusive. Mark Schreiner is a senior scholar in the Center for Social Development at Washington University in St. Louis and also director of Microfinance Risk Management. Michael Sherraden is the Benjamin E. Youngdahl Professor of Social Development and director of the Center for Social Development, George Warren Brown School of Social Work at Washington University in St. Louis.

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Page Count

394

Publisher

Transaction Publishers

Published Date

ISBN 10

0202308391

ISBN 13

9780202308395

Alternatives to Social Security

An International Inquiry

By: James Midgley,Michael W. Sherraden

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Alternatives to Social Security

An International Inquiry

By: James Midgley,Michael W. Sherraden

Few days pass without front page newspaper articles about the disarray in the American social security system and the oncoming crisis of exploding costs and imbalance between workers and retirees. New proposals to address these issues constantly surface from presidential candidates, Congress, and interest groups. Yet, few recognize that in the second half of the twentieth century, there has been a global expansion of social security systems, and there may be lessons to be learned from other societies. This collection of essays is designed to examine the diverse approaches developed in Australia, Britain, Chile, Hong Kong, Kenya, and Singapore. By analyzing different approaches—and different degrees of success—those debating public policy may find alternatives that can be adapted to meet American social needs. Midgley and Sherraden have drawn together experts on the systems developed in Australia, Britain, Chile, Hong Kong, Kenya, and Singapore; they explore the different approaches—and the different degrees of success—these societies have confronted. An international perspective can enhance understanding of the problems and offer a sound basis for evaluating policy proposals that may reform the social security system. Scholars, researchers, policymakers, and the reading public will find this a stimulating collection. As Senator John Breaux notes, This book is essential reading for anyone serious about addressing the inevitable problems that will face the U.S. Social Security system.

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Page Count

168

Publisher

Bloomsbury Publishing USA

Published Date

ISBN 10

0313037817

ISBN 13

9780313037818

Can the Poor Save?

Saving and Asset Building in Individual Development Accounts

By: Mark Schreiner,Michael Wayne Sherraden

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Can the Poor Save?

Saving and Asset Building in Individual Development Accounts

By: Mark Schreiner,Michael Wayne Sherraden

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Page Count

394

Publisher

Transaction Publishers

Published Date

ISBN 10

0202308391

ISBN 13

9780202308395

Civic Service Worldwide

Impacts and Inquiry

By: Amanda Moore McBride,Michael Sherraden

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Civic Service Worldwide

Impacts and Inquiry

By: Amanda Moore McBride,Michael Sherraden

This comprehensive collection of the latest research and policy developments in civic service worldwide provides an informed assessment of what works and what doesn't work in the field. With contributions from some of the discipline's best-known global leaders, it presents a conceptualization and operational definition of civic service that allows for variations across nations and cultures. "Civic Service Worldwide" offers a perspective on the history and potential for civic service from its roots in military service. It summarizes the effects of national service in diverse countries, and identifies important developments in service, including service across the lifespan and transnational service. The editors and contributors also address key questions and promising theoretical and methodological approaches for advancing knowledge in the field.

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Page Count

256

Publisher

Routledge

Published Date

ISBN 10

1315497433

ISBN 13

9781315497433

Service Without Guns

By: Donald J. Eberly,Reuven Gal

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Service Without Guns

By: Donald J. Eberly,Reuven Gal

FREE download now available. In the 20th Century, more than 100 million young people spent their emerging adulthood years in military service. In the 21st Century, ever-increasing numbers of young people are enrolling in a service without guns, generally referred to as National Youth Service Service Without Guns, by Donald J. Eberly and Reuven Gal with a guest chapter by Michael Sherraden, examines NYS programs in 31 countries and gives the most thorough examination yet made of the potential of National Youth Service to enable young men and women to make a successful transition from adolescence to adulthood.

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Page Count

196

Publisher

Lulu.com

Published Date

ISBN 10

1411672836

ISBN 13

9781411672833

Kitchen Capitalism

Microenterprise in Low-Income Households

By: Margaret Sherrard Sherraden,Cynthia K. Sanders,Michael Sherraden

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Kitchen Capitalism

Microenterprise in Low-Income Households

By: Margaret Sherrard Sherraden,Cynthia K. Sanders,Michael Sherraden

The first in-depth examination of self-employment from the perspectives of low-income entrepreneurs.

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Page Count

292

Publisher

SUNY Press

Published Date

ISBN 10

0791461726

ISBN 13

9780791461723

Book's by Michael Wayne Sherraden

Can the Poor Save?

Can the Poor Save?

Alternatives to Social Security

Alternatives to Social Security

Can the Poor Save?

Can the Poor Save?

Civic Service Worldwide

Civic Service Worldwide

Service Without Guns

Service Without Guns

Kitchen Capitalism

Kitchen Capitalism

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