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Can the Poor Save?
Many policymakers argue that the best poverty policy not only provides cash to the poor for subsistence but also incentives and structures that encourage long-term social and economic improvement. As part of this, they make the case for Individual Development Accounts (IDAs), a new policy proposal designed to help the poor save and to build assets. This book explores IDAs to determine their effectiveness. IDAs are matched savings accounts targeted on low-income, low-wealth individuals. Savings in IDAs are used for home ownership, post-secondary education, small business development, and other purposes. Do IDAs work? If they do, for whom? And does how an IDA is designed determine savings outc...
Development Finance Institutions
The purpose of the measurement of the social cost of subsidised development finance institutions (DFIs) is to see if the social benefit exceeds the social cost. In most cases, it is so expensive to measure social benefits that a full-blown social cost-benefit analysis cannot be done. The measurement of social costs, however, is not as expensive, and it can inform choices of how to spend public funds. This paper presents two measures of social cost. The first is the Subsidy Dependence Index (SDI) that can measure social cost in short time frames. The second measure is the net present cost of society (NPCS), which can measure social cost in any time frame. Both the SDI and the NPCS model shift the emphasis from prices paid to opportunity costs.
Asset Building and Low-income Families
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.
Cost-Benefit Analysis
A comprehensive and authoritative introduction to cost-benefit analysis that aims to be readable and user-friendly.
Gender, Race, and the Writing of Empire
An examination of the impact of ideas of race and gender on late Victorian imperialism.
The Performance of Subsidized Microfinance Organizations
This study provides a framework for the evaluation of microfinance organizations, applied as an example to the two best-known microfinance organizations in the world, BancoSol of Bolivia and the Grameen Bank of Bangladesh. It shows how to adapt existing evaluation frameworks (for example, economic benefit-cost analysis) to the particular application of microfinance organizations. This is a major area of interest because microfinance is rapidly becoming the major development tool in first-world/third-world development assistance.
Rethinking Poverty
In Rethinking Poverty, James P. Bailey argues that most contemporary policies aimed at reducing poverty in the United States are flawed because they focus solely on insufficient income. Bailey argues that traditional policies such as minimum wage laws, food stamps, housing subsidies, earned income tax credits, and other forms of cash and non-cash income supports need to be complemented by efforts that enable the poor to save and accumulate assets. Drawing on Michael Sherraden’s work on asset building and scholarship by Melvin Oliver, Thomas Shapiro, and Dalton Conley on asset discrimination, Bailey presents us with a novel and promising way forward to combat persistent and morally unaccept...
Saved by Grace through Faith or Saved by Decree?
This work addresses a topic of interest to many people who are seeking to better understand the Christian doctrine of salvation (soteriology). It is written to provide a systematic biblical and theological critique of a particularly popular perspective of this doctrine that has seen something of a resurgence in recent years, namely Calvinism. The book is structured around the so-called five points of Calvinism, commonly referred to by the acronym TULIP: Total depravity, Unconditional election, Limited atonement, Irresistible grace, and Perseverance of the saints. Following an initial chapter outlining the historical development of the doctrine, each of the five points are examined in subsequent chapters. Each point is described in the words of prominent Calvinist scholars, key biblical texts purporting to support the doctrine carefully evaluated, and a series of theological issues related to the point are raised and discussed.
Inclusion in the American Dream
The typical American household accumulates 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. This book brings together scholars and experts on the topic of asset building, as this relates to public policy.
