Inclusive Child Development Accounts


Book Description

Inclusive Child Development Accounts showcases the global context of emerging asset-building policies and programmes around Child Development Accounts. Child Development Accounts (CDAs) are subsidized accounts that enable families to accumulate assets to invest in children’s development and life goals, such as postsecondary education, homeownership, business development, and retirement security. The vision for CDAs is to be universal (meaning everyone participates), progressive (meaning greater subsidies for the poor), and lifelong (meaning from the cradle to the grave). Since 1991, schools, communities, states, provinces, and entire countries have launched various CDA programs and policies. In the first part of the volume, scholars highlight the core feature of "inclusiveness" of CDAs in Singapore, Israel, and the United States. In the second part, scholars report on CDA policies and projects in Taiwan, Uganda, Korea, and mainland China. Showing how asset building can be effective in diverse cultural and social contexts, and that all these contexts emphasize the investing in children early in life and empowering of them to achieve their potential as productive citizens, Inclusive Child Development Accounts will be of great interest to scholars of social work, policy, investment, and development, as well as financial inclusivity. It originally published as a special issue of the Asia Pacific Journal of Social Work and Development.




Inclusion Works!


Book Description




A Few Thousand Dollars


Book Description

A guide to making the U.S. economy work for everyone, by a leading advocate of asset development The majority of Americans do not have a few thousand dollars to weather an unexpected illness, job loss, or accident. Most Americans, including 80 percent of people of color, are locked out of the mainstream economy, unable to add their talents, work, and dreams, unable to share in the bounty of this economy. Without a nest egg most Americans cannot invest in their future—and the future of our country—through saving, entrepreneurship, education, and homeownership. We can—and we should—do better. Longtime leader in the field of asset-building Robert E. Friedman demonstrates how a few simple policy changes would address wealth inequality—and build a better economy and a stronger country for us all. In six sharp, compelling chapters, accented by sixteen original black-and-white illustrations by Rohan Eason that present the realities of income and asset inequality and explain the needed policy interventions, Friedman addresses savings, business, education, home, and prosperity to articulate a vision for making inclusive investments without spending an additional dollar, just by transforming tax subsidies for the wealthy few into seeds for prosperity for everyone. This is an investment with a huge return: the redemption of the American promise of prosperity for all.




Child Rights Education for Inclusion and Protection


Book Description

The aims of child rights education are to make children and their primary duty-bearers aware of child rights so that they both can be empowered to together advocate for and apply them at their family, school and community levels. This sourcebook focuses on child rights education for primary prevention related to inclusion and protection. Child rights education for exclusion, non-discrimination and inclusion is discussed in the context of family and society with reference to girls, children with disability, and Dalit and tribal children, and child rights to cultural and financial inclusion. Child rights education for protection comprises prevention of violence against children with reference to physical abuse/ corporal punishment and bullying, commercial exploitation of children with reference to child labour and trafficking and sale of children, sexual abuse and exploitation of children, problems in adolescent sexual relationships such as violence, teenage pregnancy, abortion and unwed motherhood, and sexually transmitted infections and HIV, child marriage, and conflict with law. This is a necessary read for social workers, lawyers, researchers, trainers and teachers working on child rights across the world, and especially in developing countries.




Transforming the Workforce for Children Birth Through Age 8


Book Description

Children are already learning at birth, and they develop and learn at a rapid pace in their early years. This provides a critical foundation for lifelong progress, and the adults who provide for the care and the education of young children bear a great responsibility for their health, development, and learning. Despite the fact that they share the same objective - to nurture young children and secure their future success - the various practitioners who contribute to the care and the education of children from birth through age 8 are not acknowledged as a workforce unified by the common knowledge and competencies needed to do their jobs well. Transforming the Workforce for Children Birth Through Age 8 explores the science of child development, particularly looking at implications for the professionals who work with children. This report examines the current capacities and practices of the workforce, the settings in which they work, the policies and infrastructure that set qualifications and provide professional learning, and the government agencies and other funders who support and oversee these systems. This book then makes recommendations to improve the quality of professional practice and the practice environment for care and education professionals. These detailed recommendations create a blueprint for action that builds on a unifying foundation of child development and early learning, shared knowledge and competencies for care and education professionals, and principles for effective professional learning. Young children thrive and learn best when they have secure, positive relationships with adults who are knowledgeable about how to support their development and learning and are responsive to their individual progress. Transforming the Workforce for Children Birth Through Age 8 offers guidance on system changes to improve the quality of professional practice, specific actions to improve professional learning systems and workforce development, and research to continue to build the knowledge base in ways that will directly advance and inform future actions. The recommendations of this book provide an opportunity to improve the quality of the care and the education that children receive, and ultimately improve outcomes for children.




Assets and the Poor


Book Description

This work proposes a new approach to welfare: a social policy that goes beyond simple income maintenance to foster individual initiative and self-sufficiency. It argues for an asset-based policy that would create a system of saving incentives through individual development accounts (IDAs) for specific purposes, such as college education, homeownership, self-employment and retirement security. In this way, low-income Americans could gain the same opportunities that middle- and upper-income citizens have to plan ahead, set aside savings and invest in a more secure future.




Making Education Work for the Poor


Book Description

Making Education Work for the Poor identifies wealth inequality as the gravest threat to the endangered American Dream. Though studies have clearly illustrated that education is the primary path to upward mobility, today, educational outcomes are more directly determined by wealth than innate ability and exerted effort. This accounting directly contradicts Americans' understanding of the promise the American Dream is supposed to offer: a level playing field and a path towards a more profitable future. In this book, the authors share their own stories of their journeys through the unequal U.S. education system. One started from relative privilege and had her way to prosperity paved and her individual efforts augmented by institutional and structural support. The other grew up in poverty and had to fight against currents to complete higher education, only to find his ability to profit from that degree compromised by student debt. To directly counter wealth inequality and make education the 'great equalizer' that Americans believe it to be, this book calls for a revolution in financial aid policy, from debt dependence to asset empowerment. The book examines the evidence base supporting Children's Savings Accounts, including CSAs' demonstrated potential to improve children's outcomes all along the 'opportunity pipeline': early education, school achievement, college access and completion, and post-college financial health. It then outlines a policy that builds on CSAs to incorporate a sizable, progressive wealth transfer. This new policy, Opportunity Investment Accounts, is framed as the cornerstone of the wealth-building agenda the nation needs in order to salvage the American Dream. Written by leading CSA researchers, the book includes overviews of the major children's savings legislation proposed in Congress and the key features of prominent CSA programs in operation around the country today, as well as new qualitative and quantitative CSA research. The book ultimately presents a critical development of the theories that, together, explain how universal, progressive, asset-based education financing could make education work equitably for all American children.







Including One, Including All


Book Description

Strengthen every child using relationship-based approaches to support their behavioral, emotional, social, and learning challenges.




Ten Worlds of Welfare Capitalism


Book Description

This book presents a new step farther into the twenty-first century, for the first time truly combining a comprehensive global data analysis with social policy theory development. The theory of global ideal-typical welfare regimes, also known as the “Ten Worlds of Welfare Regime Theory”, as set forth earlier by Christian Aspalter, is now in this book tested empirically using a quantitative global data analysis for the first time. The strong and rich results fully vindicated the Ten Worlds Theory. All in all, about 150 countries are included in this test, measuring numerous variables on two main dimensions, i.e., povertization and inequality. The innovative approach of using a new indicator, Aspalter’s Standardized Relative Performance Index, is applied, which facilitated the exact measurements of distances between relative performances of each variable, each dimension, each country, and each ideal-typical welfare regime (in relation to one another, respectively). In addition, one explanative and one normative meta-study is added to the book, to point to ways to understand and deal with the global culprit of inequality and, hence, poverty. “On the backdrop of decades of comparative theoretical and empirical research we now, for the first time, have a truly global analysis of welfare regimes.” ---- Peter Abrahamson, Department of Sociology, University of Copenhagen