More Than a Penny Saved: Long‐Term Changes in Behavior Among Savings Program Participants
Identifieur interne : 000256 ( Main/Exploration ); précédent : 000255; suivant : 000257More Than a Penny Saved: Long‐Term Changes in Behavior Among Savings Program Participants
Auteurs : C Zilia Loibl ; Michal Grinstein-Weiss [États-Unis] ; Min Zhan ; Beth Red BirdSource :
- Journal of Consumer Affairs [ 0022-0078 ] ; 2010-03.
English descriptors
- Teeft :
- Abraham tesser, Actual number, American dream demonstration, Annual household income, Asset, Asset accumulation, Asset building, Asset purchase, Asset purchases, Assistant professor, Behavior change, Behavioral economics, Binary indicator, College degree, Community organizations, Community services, Comparison group, Comparison group data, Comparison group members, Comparison group observations, Comparison tests, Composite measure, Consumer affairs, Consumer affairs table, Consumer research, Counseling sessions, Counterfactual outcomes, Credit card account, Credit card debt, Data analysis, Demographic factors, Demographic measures, Demographic variables, Dollar amounts, Dropout, Dropout group, Dropout group data, Dropout groups, Economic issues, Economic psychology, Economic research service, Economic strain, Empirical evidence, Employment status, Enterprise development innovations, Estimate probabilities, Ethnicity, Experimental data, Field experimentation, Financial capability, Financial education, Financial measures, Financial planner board, Financial services authority, Former participants, Former program participants, Future orientation, Gender, General population, General population sample, Goal achievement, Graduate group, Health insurance, High propensity scores, Higher levels, Household income, Household incomes, Household savings, Housing markets, Human services, Implementation intentions, Income distribution, Independent variables, Individual development account, Individual development accounts, Interval midpoints, Investment account, Investment accounts, Kristen wagner, Longterm savings, Loss aversion, Lower levels, Lowincome households, Marital status, Michael sherraden, Michal, Mortgage account, Much money, Nancial, Nancial capability, Nancial decisions, Nancial dispositions, Nancial education, Nancial information, Nancial institutions, Nancial instruments, Nancial knowledge, Nancial mainstream, Nancial management, Nancial matters, Nancial measures, Nancial services, Nancial stability, Nancial strain, Ndings, Network agency, Ohio state university, Original statements, Other hand, Other variables, Participant, Participant characteristics, Paschal sheeran, Permanent participant characteristics, Postsecondary education, Present study, Program agencies, Program characteristics, Program completion, Program dropouts, Program graduates, Program graduation, Program interventions, Program participant observations, Program participants, Program participation, Program savings, Program success, Program works, Propensity, Propensity score, Psychological characteristics, Psychological measures future orientation, Psychological variables, Racial differences, Reading level, Regression analyses, Regression model, Response rate, Savings, Savings account, Savings behavior, Savings deposits, Savings goals, Savings program, Scale anchor values, Scale reliability, Schreiner, Sherraden, Shobe, Social psychology, Social psychology bulletin, Social service review, Social work, Social workers, Strain scale, Successful graduates, Urban economics, Washington university, Weighted sample, Younger people, Youth services review.
Abstract
This article examines the levels of savings of former participants in a matched savings program. Findings from a survey of Individual Development Account (IDA) participants and a general low‐income population sample show that participants who successfully completed the savings program report higher household savings than both participants who left the program early and a non‐participant comparison group, suggesting that successful completion of an IDA program may improve the financial dispositions and behaviors associated with long‐term savings. Three predictors of saving behavior emerged: access to the financial mainstream, individual psychological disposition, and the presence of children in the household.
Url:
DOI: 10.1111/j.1745-6606.2010.01159.x
Affiliations:
- États-Unis
- Caroline du Nord
- Chapel Hill (Caroline du Nord)
- Université de Caroline du Nord à Chapel Hill
Links toward previous steps (curation, corpus...)
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- to stream Istex, to step Curation: 000861
- to stream Istex, to step Checkpoint: 000065
- to stream Main, to step Merge: 000259
- to stream Main, to step Curation: 000256
Le document en format XML
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<term>Asset accumulation</term>
<term>Asset building</term>
<term>Asset purchase</term>
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<term>Consumer affairs table</term>
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<term>Counseling sessions</term>
<term>Counterfactual outcomes</term>
<term>Credit card account</term>
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<term>Demographic measures</term>
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<term>Economic issues</term>
<term>Economic psychology</term>
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<term>Enterprise development innovations</term>
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<term>Field experimentation</term>
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<term>Financial planner board</term>
<term>Financial services authority</term>
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<term>Former program participants</term>
<term>Future orientation</term>
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<term>General population sample</term>
<term>Goal achievement</term>
<term>Graduate group</term>
<term>Health insurance</term>
<term>High propensity scores</term>
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<term>Nancial decisions</term>
<term>Nancial dispositions</term>
<term>Nancial education</term>
<term>Nancial information</term>
<term>Nancial institutions</term>
<term>Nancial instruments</term>
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<term>Nancial management</term>
<term>Nancial matters</term>
<term>Nancial measures</term>
<term>Nancial services</term>
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<term>Strain scale</term>
<term>Successful graduates</term>
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<front><div type="abstract">This article examines the levels of savings of former participants in a matched savings program. Findings from a survey of Individual Development Account (IDA) participants and a general low‐income population sample show that participants who successfully completed the savings program report higher household savings than both participants who left the program early and a non‐participant comparison group, suggesting that successful completion of an IDA program may improve the financial dispositions and behaviors associated with long‐term savings. Three predictors of saving behavior emerged: access to the financial mainstream, individual psychological disposition, and the presence of children in the household.</div>
</front>
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