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Contents Chapter 1 SAVINGS, ASSETS, CREDIT, AND BANKING AMONG LOW-INCOME HOUSEHOLDS: INTRODUCTION AND OVERVIEW Michael S. Barr and Rebecca M. Blank 1 PART I THE FINANCIAL LIVES OF LOW-INCOME FAMILIES 23 Chapter 2 THE ASSETS AND LIABILITIES HELD BY LOW-INCOME FAMILIES John Karl Scholz and Ananth Seshadri 25 Chapter 3 FINANCIAL SERVICES, SAVING, AND BORROWING AMONG LOW- AND MODERATE-INCOME HOUSEHOLDS: EVIDENCE FROM THE DETROIT AREA HOUSEHOLD FINANCIAL SERVICES SURVEY Michael S. Barr 66 Chapter 4 BANKING LOW-INCOME POPULATIONS: PERSPECTIVES FROM SOUTH AFRICA Daryl Collins and Jonathan Morduch 97 Chapter 5 SAVINGS POLICY AND DECISIONMAKING IN LOW-INCOME HOUSEHOLDS Sendhil Mullainathan and Eldar Shafir 121 PART II EXPLORING PATTERNS OF USE AND POLICIES BY TYPE OF ASSET 147 Chapter 6 USING FINANCIAL INNOVATION TO SUPPORT SAVERS: FROM COERCION TO EXCITEMENT Peter Tufano and Daniel Schneider 149 Chapter 7 INDIVIDUAL DEVELOPMENT ACCOUNTS AND ASSET-BUILDING POLICY: LESSONS AND DIRECTIONS Michael Sherraden 191 Chapter 8 HOMEOWNERSHIP: AMERICA’S DREAM? Raphael W. Bostic and Kwan Ok Lee 218 Chapter 9 PATTERNS OF CREDIT CARD USE AMONG LOW- AND MODERATE-INCOME HOUSEHOLDS Ronald J. Mann 257 Chapter 10 IMMIGRANTS’ ACCESS TO FINANCIAL SERVICES AND ASSET ACCUMULATION Una Okonkwo Osili and Anna L. Paulson 285 INDEX 319 ...

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Additional Information

ISBN
9781610445887
Related ISBN
9780871540782
MARC Record
OCLC
794701240
Pages
336
Launched on MUSE
2012-01-01
Language
English
Open Access
No
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