MARC 主機 00000nam 2200000 a 4500
001 AAI3349422
005 20110119103307.5
008 110119s2008 ||||||||s|||||||| ||eng d
020 9781109063509
035 (UMI)AAI3349422
040 UMI|cUMI
100 1 Rothwell, David W
245 10 Individual development account participation, asset
ownership, and economic mobility among Native Hawaiians
|h[electronic resource]
300 235 p
500 Source: Dissertation Abstracts International, Volume: 70-
03, Section: A, page: 1035
500 Adviser: Anne Rosegrant Alvarez
502 Thesis (Ph.D.)--University of Hawai'i at Manoa, 2008
520 Individuals with low incomes in the U.S. tend to lack
equal access to opportunities that promote asset
accumulation and are less likely to be economically mobile
over the life-cycle. Native Hawaiians face a number of
socioeconomic challenges based on a history of
colonization and socioeconomic marginalization. Individual
Development Account (IDA) programs provide matched savings
opportunities to low-income individuals. This study
examines the extent to which IDA participation affects
asset accumulation among a sample of Native Hawaiians. The
study also tests the extent to which asset ownership and
IDA participation influence absolute and relative economic
mobility among the sample. Economic mobility is measured
by changes in household income
520 The applied social research used a two-group, pretest-
posttest quasi-experimental research design. The
intervention group included individuals who opened an IDA,
and the comparison group included of individuals who
applied to the program but never opened an account.
Administrative information was used as the pretest data
and data collected in a multi-modal survey (self-
administered mail, Internet, and telephone) were used for
the posttest. A total of 329 responses were received, for
a 43% response rate
520 Difference-in-difference estimates, logistic, and
sequential multiple regression analyses resulted in these
findings: (a) controlling for other factors, IDA
participation explained positive gains in home and vehicle
ownership; (b) checking account ownership at pretest
strongly predicted positive economic mobility; (c) the
sequence of asset ownership variables increased the
variance of economic mobility explained; (d) total
financial assets, and ownership of savings accounts,
stocks, homes, and business did not predict economic
mobility; and (e) IDA participation did not explain
economic mobility
520 Findings from this study have theoretical, policy, and
practice implications for the field of social welfare. The
asset-based theory of social welfare (Sherraden, 1991) was
partially supported, suggesting that people of all incomes
could benefit from expanded access to institutions that
promote asset accumulation. Social work practice could
include financial practice dimensions into work with all
populations. Directions for future research include
examination of the influence of culture on asset ownership
and specifications of mechanisms that explain how asset
ownership affects individuals, households, and communities
590 School code: 0085
650 4 Social Work
650 4 Sociology, Public and Social Welfare
650 4 Sociology, Ethnic and Racial Studies
690 0452
690 0630
690 0631
710 2 University of Hawai'i at Manoa
773 0 |tDissertation Abstracts International|g70-03A
856 40 |uhttps://pqdd.sinica.edu.tw/twdaoapp/servlet/
advanced?query=3349422
912 PQDT
