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Saving Patterns in IDA Programs

Downpayments on the American Dream policy Demonstration
A National Demomonstration of Individual Development Accounts

January 2000
Contents & Acknowledgements (Page i)
Executive Summary (Page iii)
Chapter 1  Can the Poor Save? Theory, Evidence, and Questions (Page 1)
Chapter 2  Asset Building and Individual Development Accounts (IDAs) (Page 14)
Chapter 3  The American Dream Demonstration (ADD) (Page 17)
Chapter 4  Monitoring/Management Information System (MIS IDA) (Page 22)
Chapter 5  Data Preparation and Analysis (Page 24)
Chapter 6  Program Characteristics (Page 25)
Chapter 7  Participant Characteristics (Page 32)
Chapter 8  Enrollment, Savings, and Withdrawals (Page 44) 
Chapter 9  Saving Outcomes (Page 48)
Chapter 10  Program Characteristics and Saving Outcomes (Page 55) 
Chapter 11  Participant Characteristics and Saving Outcomes (Page 58)
Chapter 12  Participant and Program Characteristics and Saving Outcomes (Page 67)
Chapter 13  Attrition (Page 73) 
Chapter 14  Match Rate (Page 78) 
Chapter 15  Poverty and Saving (Page 79)
Chapter 16  Conclusions (Page 80)

Appendix A.  Results by Program (Page 84)  

ADVOCAP, Inc. (page 85)        
Alternatives Federal Credit Union (AFCU) (page 88)   
Bay Area IDA Collaborative (page 91)   
Capital Area Asset Building Corporation (CAAB) (page 94)  
Central Texas Mutual Housing Association (CTMHA) (page 97)   
Central Vermont Community Action Council, Inc. (CVCAC) (page 100)  
Community Action Proj of Tulsa County (CAPTC), Program 1 (page 103)
Community Action Proj of Tulsa County (CAPTC), Program 2 (page 106)  
Heart of America Family Services (HAFS) (page 109)
Human Solutions, Inc. (page 112)  
Mountain Assoc. for Community Economic Develop. (MACED) (page 115)   
Near Eastside IDA Program (page 118)
Shorebank, Chicago (page 121)  
Women's Self-Employment Project (WSEP) (page 124)
Appendix B.  Evaluating ADD: Purpose, Methods, Progress (Page 127)
Appendix C.  Evaluation Advisory Committee for ADD (Page 134)
Appendix D.  Center for Social Development (Page 136)


2001 Report | 2000 Report | 1999 Report

  Center for Social Development
George Warren Brown School of Social Work
Washington University
Campus Box 1196
One Brookings Drive
St. Louis, Missouri 63130-4899
tel: (314) 935-7433
fax: (314) 935-8661
csd@gwbmail.wustl.edu