Social and financial supports: The effect on saving in individual development accounts
by Lyskawa, Julia A., M.P.P., GEORGETOWN UNIVERSITY, 2011, 59 pages; 1491477

Abstract:

The mission of the federal Assets for Independence (AFI) program is to help low-income families improve their financial literacy and acquire long-term assets by saving in special matched savings accounts called individual development accounts (IDAs). This paper evaluates the AFI program, specifically the effect offering financial and social services has on participant saving in individual development accounts. Using data from the AFI Annual Data Report, a cross-sectional analysis and a panel data analysis are both run to test this research question. Both models control for IDA participant characteristics. The results of these analyses illustrate that the availability of financial services for IDA savers has a positive impact on average participant savings. This may be an argument for requiring all AFI grantees to offer a minimum level of financial supports to participants.
 
AdviserKatie Fitzpatrick
SchoolGEORGETOWN UNIVERSITY
SourceMAI/ 49-05, p. , May 2011
Source TypeThesis
SubjectsPublic policy
Publication Number1491477
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