Financial Inclusion

Cut to the Front of the Line: Innovative Ways to Promote Saving

November 14, 2012
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Behavioral economics heavily contributes to the way we design asset building and savings programs. We know that savers respond to cues, nudges, incentives, and targeted choices. Seems simple enough. One thing we are learning, however, is that individuals need more than just incentives. There was a time when groups would offer $50 to open a savings account and wonder why the take-up rate didn’t surpass 10 percent.

Asset Building News Week, November 5-9

November 9, 2012
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The Asset Building News Week is a weekly Friday feature on The Ladder, the Asset Building Program blog, designed to help readers keep up with news and developments in the asset building field. This week's topics include Hurricane Sandy, inequality, retirement, employment, and financial education.

Guest Blog Posts on The Ladder

November 8, 2012

The Asset Building Program is pleased to announce a call for guest blog contributions. Our blog functions as a repository of information about our research projects and policy proposals, provides timely news analysis and updates from the field of asset building, and regularly features the work of partner organizations.

What topics are eligible for consideration on The Ladder?

We welcome posts that explore a range of topics, including, but not limited to: income and wealth inequality; federal, state and local savings policy; the interplay of homeownership, housing policy, and wealth; savings and credit product design; the role of assets in educational outcomes; public benefits and areas for reform; retirement security and savings; and the intersection of asset issues with race, gender, or other factors.

Who can contribute a guest post?

Those with expertise in relevant fields are welcome to submit a proposal for a guest post. Posts from asset building practitioners or others with “on the ground” experience, as well as posts from advocates, researchers and those with policy-oriented experience are all welcome.

Accumulating Wealth is related to Youth’s Math Achievement

November 8, 2012
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The link between household wealth and youth’s educational outcomes has been confirmed by numerous research studies, finding that youth tend to do better educationally when their households have more wealth (click here and here for more information). A new paper from the Assets and Education Initiative at the University of Kansas School of Social Welfare confirms the relationship between household wealth and math achievement for youth from the U.S. and Ghana. The paper adds a unique contribution to existing research.

Asset Building News Week, October 29-November 2

November 1, 2012
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The Asset Building News Week is a weekly Friday feature on The Ladder, the Asset Building Program blog, designed to help readers keep up with news and developments in the asset building field. This week's topics include the impact of Hurricane Sandy, inequality, the safety net, and financial products and education.

From Social Banking to Financial Inclusion: Understanding the Potential for Financial Services Innovation in India

  • By
  • Eric Tyler,
  • Anjana Ravi,
  • New America Foundation
  • and Sunil Bhat, Minakshi Ramji and Anjaneyulu Ballem (MicroSave)
October 29, 2012

When it comes to savings for the poor and financial inclusion efforts, India is a dynamic market ripe for innovation and experimentation. Its extensive web of financial service providers as well as the incidence of large-scale exclusion are contradictory features that also make it a market worth examining.

Asset Building News Week, October 22-26

October 26, 2012
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The Asset Building News Week is a weekly Friday feature on The Ladder, the Asset Building Program blog, designed to help readers keep up with news and developments in the asset building field. This week's topics include wealth and income inequality, housing, and financial education.

Upcoming Event: SEEP Annual Conference - Building Inclusive Markets

October 25, 2012
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In less than two weeks, our friends at the SEEP Network will be hosting their Annual Conference focused this year on Building Inclusive Markets: Impact Through Financial and Enterprise Solutions. We’re particularly interested in this year’s conference because half of the plenary sessions are focused on savings.

Comments Regarding Workplace Financial Capability to the President's Advisory Council on Financial Capability

October 4, 2012
On October 4, 2012, the Asset Building Program submitted comments to the President's Advisory Council on Financial Capability (PACFC) providing insights on motivations and challenges employers face when implementing financial capability programming in the workplace and recommendations for the draft framework presented by the PACFC.

"Genius": Makers vs. Takers Isn't Very Smart

October 12, 2012

That's the headline and the message from a piece up on Bloomberg Businessweek featuring Maurice Lim Miller. As we mentioned a few weeks back, Mr. Miller just won a MacArthur "Genius" Award for his innovative work on the Family Independence Initiative. The Bloomberg piece outlines some of the key innovations in the FII approach:

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