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
收藏
页码：605 / 614
页数：10
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