Credit Building in IDA Programs: Early Findings of a Longitudinal Study

被引：10

作者：

Birkenmaier, Julie ^{[1
]}

Curley, Jami ^{[1
]}

Kelly, Patrick ^{[2
]}

机构：

[1] St Louis Univ, Sch Social Work, St Louis, MO 63103 USA

[2] St Louis Univ, Doisy Coll Hlth Sci, St Louis, MO 63103 USA

来源：

RESEARCH ON SOCIAL WORK PRACTICE | 2012年 / 22卷 / 06期

关键词：

financial education; financial credit; asset development; individual development account (IDA); credit score; INDIVIDUAL DEVELOPMENT ACCOUNTS; INCOME; EXPERIENCE; SAVINGS; ASSETS; POOR;

D O I：

10.1177/1049731512453208

中图分类号：

C916 [社会工作、社会管理、社会规划];

学科分类号：

1204 ;

摘要：

Objective: This article reports on the impact of the Individual Development Account (IDA) program on credit. Method: Using a convenience sample of IDA participants (N = 165), data were analyzed using paired sample t tests, independent sample t test, one-way analysis of variance, Mann-Whitney U Tests, and Wilcoxon Signed Rank Tests. Results: Results indicate that participants improved their credit history and score, as compared with nonparticipants, and those who completed the program within a year experienced the most positive change in credit score. Conclusion: IDAs facilitate improvement in credit score and history.

引用

页码：605 / 614

页数：10

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