Chen Zibei, O'Brien Megan, Nielsen Sophia, Zheng Haotian, Starks Briana
University of Tennessee College of Social Work, 1618 West Cumberland, Knoxville, TN 37996 USA.
School of Social Work, University of Michigan, 1080 S University Ave, Ann Arbor, MI 48103 USA.
Glob Soc Welf. 2023 Jan 25:1-11. doi: 10.1007/s40609-023-00263-0.
The Children's Savings Accounts (CSAs) program, an asset-building intervention, has gained increasing attention for its potential to elevate low-in families' education expectations, college enrollment, and completion. Variations in program enrollment policy can lead to different levels of program participation among vulnerable populations. This paper examines the enrollment policy of one of the oldest CSA programs and explores program participation among a financially vulnerable group-welfare users. While welfare users were 43% less likely to expect their children to attend college, those who enrolled in the CSA program were about two times more likely to expect their children to go to college than welfare users who did not participate in the program. Findings shed light on research and policies that facilitate asset-building efforts among vulnerable populations and encourage visioning CSAs a potential drive for better financial inclusion.
儿童储蓄账户（CSA）计划是一项资产积累干预措施，因其提升低收入家庭的教育期望、大学入学率和毕业率的潜力而受到越来越多的关注。项目注册政策的差异可能导致弱势群体参与项目的程度不同。本文研究了最古老的CSA计划之一的注册政策，并探讨了一个经济弱势群体——福利领取者——的项目参与情况。虽然福利领取者期望子女上大学的可能性要低43%，但那些注册了CSA计划的人期望子女上大学的可能性是未参与该计划的福利领取者的两倍左右。研究结果为促进弱势群体资产积累努力的研究和政策提供了启示，并鼓励将CSA视为促进更好金融包容性的潜在动力。
