Asset Based Welfare And Poverty
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Asset Based Welfare And Poverty
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Author : Claire Kober
language : en
Publisher: Institute for Public Policy Research
Release Date : 2002
Asset Based Welfare And Poverty written by Claire Kober and has been published by Institute for Public Policy Research this book supported file pdf, txt, epub, kindle and other format this book has been release on 2002 with Economic assistance, Domestic categories.
Assets And The Poor
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Author : Michael Wayne Sherraden
language : en
Publisher: M.E. Sharpe
Release Date :
Assets And The Poor written by Michael Wayne Sherraden and has been published by M.E. Sharpe this book supported file pdf, txt, epub, kindle and other format this book has been release on with Economic assistance, Domestic categories.
Asset Based Welfare
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Author : Sue Regan
language : en
Publisher: Institute for Public Policy Research
Release Date : 2001
Asset Based Welfare written by Sue Regan and has been published by Institute for Public Policy Research this book supported file pdf, txt, epub, kindle and other format this book has been release on 2001 with Public welfare categories.
Assets For The Poor
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Author : Thomas M. Shapiro
language : en
Publisher: Russell Sage Foundation
Release Date : 2001-05-17
Assets For The Poor written by Thomas M. Shapiro and has been published by Russell Sage Foundation this book supported file pdf, txt, epub, kindle and other format this book has been release on 2001-05-17 with Social Science categories.
Over the past three decades, average household wealth in the United States has declined among all but the richest families, with a near 80 percent drop among the nation's poorest families. Although the national debate about inequality has focused on income, it is wealth—the private assets amassed and passed on within families—that provides the extra economic cushion needed to move beyond mere day-to-day survival. Assets for the Poor is the first full-scale investigation into the importance of family wealth and the need for policies to encourage asset-building among the poor. Assets for the Poor shows how institutional mechanisms designed to encourage acquisition of capital and property favor middle-class and high-income families. For example, the aggregate value of home mortgage tax deductions far outweighs the dollar amount of the subsidies provided by Section 8 rental vouchers and public housing. Banking definitions of creditworthiness largely exclude minorities, and welfare rules have made it nearly impossible for single mothers to accumulate savings, let alone stocks or real estate. Due to persistent residential segregation, even those minority families who do own homes are often denied equal access to better schools and public services. The research in this volume shows that the poor do make use of the assets they have. Cash gifts—although small in size—are frequent within families and often lead to such positive results as homebuying and debt reduction, while tangible assets such as tools and cars help increase employment prospects. Assets for the Poor examines policies such as Individual Development Account tax subsidies to reward financial savings among the poor, and more liberal credit rules to make borrowing easier and less costly. The contributors also offer thoughtful advice for bringing the poor into mainstream savings institutions and warn against developing asset building policies at the expense of existing safety net programs. Asset-building for low-income families is a powerful idea that offers hope to families searching for a way out of poverty. Assets for the Poor challenges current thinking regarding poverty reduction policies and proposes a major shift in the way we think about families and how they make a better life. A Volume in the Ford Foundation Series on Asset Building
Inclusion In The American Dream
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Author : Michael Sherraden
language : en
Publisher: Oxford University Press
Release Date : 2005-07-21
Inclusion In The American Dream written by Michael Sherraden and has been published by Oxford University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2005-07-21 with Business & Economics categories.
Inclusion in the American Dream brings together leading scholars and policy experts on the topic of asset building, particularly as this relates to public policy. The typical American household accumulates most of its assets in home equity and retirement accounts, both of which are subsidized through the tax system. But the poor, for the most part, do not participate in these asset accumulation policies. The challenge is to expand the asset-based policy structure so that everyone is included.
Asset Building And Low Income Families
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Author : Signe-Mary McKernan
language : en
Publisher: The Urban Insitute
Release Date : 2008
Asset Building And Low Income Families written by Signe-Mary McKernan and has been published by The Urban Insitute this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008 with Business & Economics categories.
Low-income families have scant savings to cushion a job loss or illness, and can find economic mobility impossible without funds to invest in education, homes, or businesses. And though a lack of resources leaves such families vulnerable, income-support programs are often closed to those with a bit of savings or even a car. Considering welfare-to-work reforms, the increasingly advanced skill demands of the American workforce, and our stretched Social Security system, such an approach is inadequate to lift families out of poverty. Asset-based policies--allowing or even helping low-income families build wealth--are an increasingly popular strategy to facilitate financial stability.
Assets Livelihoods And Social Policy
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Author : Anis A. Dani
language : en
Publisher: World Bank Publications
Release Date : 2008-05-14
Assets Livelihoods And Social Policy written by Anis A. Dani and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008-05-14 with Business & Economics categories.
Given the lack of adequate universal social welfare for those unable to find jobs in the salaried formal sector, the livelihoods and well-being of most poor people depends heavily on their asset base. This includes their ability to access and accumulate assets, obtain decent returns from these assets, and use their asset base to manage risks. 'Assets, Livelihoods, and Social Policy' discusses the diverse strategies adopted by people in different contexts to accumulate assets through migration, housing investments, natural resources management, and informal businesses. An asset-based social policy can strengthen asset accumulation strategies as well as help the poor overcome the constraints of unfavorable institutional environments. To a considerable extent, asset accumulation strategies depend on the agency exercised by people themselves through individual or collective action. At the same time, the status of policies and institutions can enable or hinder these strategies and affect livelihood outcomes. In synthesis, the case studies lead to the differentiation among three different types of policies: - policies that affect outcomes by directly influencing access to assets by the poor such as land, housing, natural resources, or credit. - policies and public investments that change the nature of returns on assets such as investments in rural roads, agricultural inputs, and market development. - policies that transform the value of assets held by the poor by virtue of administrative decisions that increase or reduce value such as re-classification of land from arable or pasture to protected lands, land use regulations affecting resource use, or modification in regulations governing labor rights or migration. The chapters, originally commissioned to re-examine major gaps in knowledge and development practice ten years after the Copenhagen Summit on Social Development, are authored by leading scholars from economics, anthropology, sociology, geography, and development studies. This book is part of a new series, New Frontiers in Social Policy, which examines issues and approaches to extend the boundaries of social policy beyond conventional social services toward policies and institutions that improve equality of opportunity and social justice in developing countries. Other titles in the series include Inclusive States: Social Policy and Structural Inequalities, and Institutional Pathways to Equity: Addressing Inequality Traps.
Assets And Progressive Welfare
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Author : Sue Regan
language : en
Publisher: Institute for Public Policy Research
Release Date : 2001
Assets And Progressive Welfare written by Sue Regan and has been published by Institute for Public Policy Research this book supported file pdf, txt, epub, kindle and other format this book has been release on 2001 with Business & Economics categories.
Asset Building And The Escape From Poverty A New Welfare Policy Debate
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Author : OECD
language : en
Publisher: OECD Publishing
Release Date : 2003-11-17
Asset Building And The Escape From Poverty A New Welfare Policy Debate written by OECD and has been published by OECD Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2003-11-17 with categories.
This book establishes the context for a fruitful debate on the merits and demerits of asset building for the poor by setting out the basic ideas involved in asset-building programmes and proposals.
Assets For The Poor
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Author : Thomas M. Shapiro
language : en
Publisher: Russell Sage Foundation
Release Date : 2005-11-17
Assets For The Poor written by Thomas M. Shapiro and has been published by Russell Sage Foundation this book supported file pdf, txt, epub, kindle and other format this book has been release on 2005-11-17 with Social Science categories.
Over the past three decades, average household wealth in the United States has declined among all but the richest families, with a near 80 percent drop among the nation's poorest families. Although the national debate about inequality has focused on income, it is wealth—the private assets amassed and passed on within families—that provides the extra economic cushion needed to move beyond mere day-to-day survival. Assets for the Poor is the first full-scale investigation into the importance of family wealth and the need for policies to encourage asset-building among the poor. Assets for the Poor shows how institutional mechanisms designed to encourage acquisition of capital and property favor middle-class and high-income families. For example, the aggregate value of home mortgage tax deductions far outweighs the dollar amount of the subsidies provided by Section 8 rental vouchers and public housing. Banking definitions of creditworthiness largely exclude minorities, and welfare rules have made it nearly impossible for single mothers to accumulate savings, let alone stocks or real estate. Due to persistent residential segregation, even those minority families who do own homes are often denied equal access to better schools and public services. The research in this volume shows that the poor do make use of the assets they have. Cash gifts—although small in size—are frequent within families and often lead to such positive results as homebuying and debt reduction, while tangible assets such as tools and cars help increase employment prospects. Assets for the Poor examines policies such as Individual Development Account tax subsidies to reward financial savings among the poor, and more liberal credit rules to make borrowing easier and less costly. The contributors also offer thoughtful advice for bringing the poor into mainstream savings institutions and warn against developing asset building policies at the expense of existing safety net programs. Asset-building for low-income families is a powerful idea that offers hope to families searching for a way out of poverty. Assets for the Poor challenges current thinking regarding poverty reduction policies and proposes a major shift in the way we think about families and how they make a better life. A Volume in the Ford Foundation Series on Asset Building