000			01585nab a22002177a 4500
003			NY
005			20200611110257.0
007			cr |||||n|||||
008			200611b xxu|||||o|||| 00| 0 eng d
040			_cNY
100	1		_aWittman, LeAnn.
245	1	0	_aFrom Helena to Harlem _h[electronic resource] : _bBarriers to Saving at Two SEED Sites / _cLeAnn Wittman &Edward Scanlon.
300			_app. 415-435.
520			_aPolicy makers are increasingly interested in incentivized savings programs for low-income children. This study reports findings from interviews with caregivers of accountholders in the Saving for Education, Entrepreneurship, and Downpayment (SEED), a national research initiative. Although asset-building proponents emphasize that low-income citizens can save with the right supports, median saving rates in the SEED study were quite low. In-depth interviews conducted with 27 caregivers at 2 distinct program sites describe obstacles to saving. Barriers are categorized as financial, spatial, cognitive, and behavioral. Policy and practice implications may enhance low savings rates among low-income participants in many incentivized savings programs.
538			_aMode of access: Internet.
653			_aasset building, children’s savings accounts, poverty, savings barriers
700	1		_aScanlon, Edward.
773	0		_tJournal of community practice _g2015, Vol. 23, No. 3-4 _x1070-5422
856			_uhttp://ezproxy01.ny.edu.hk:2048/login?url=http://dx.doi.org/10.1080/10705422.2015.1091415 _zClick here to access full-text article
942			_2lcc _cE-ARTICLE
999			_c39726 _d39726