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The SSRC Library allows visitors to access materials related to self-sufficiency programs, practice and research. Visitors can view common search terms, conduct a keyword search or create a custom search using any combination of the filters at the left side of this page. To conduct a keyword search, type a term or combination of terms into the search box below, select whether you want to search the exact phrase or the words in any order, and click on the blue button to the right of the search box to view relevant results.

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  • Individual Author: Schreiner, Mark; Clancy, Margaret; Sherraden, Michael
    Reference Type: Report
    Year: 2002

    The American Dream Demonstration (ADD) is the first systematic study of Individual Development Account (IDA) programs. IDAs are special accounts wherein savings are matched for the poor.

    While saving is not easy for anyone, it is more difficult for the poor because they have few resources and because they lack access to some public policy mechanisms, such as tax-benefited retirement accounts, that subsidize saving. IDAs are designed to increase savings incentives for the poor. Savings in IDAs are matched if used for home ownership, post-secondary education, microenterprise, or other approved asset uses. Participants also receive financial education and support from IDA staff.

    Do IDAs work? ADD suggests that the poor can save and accumulate assets in IDAs:

    Average monthly net deposits per participant were $19.07.

    The average participant saved about $1 for every $2 that could have been matched.

    The average participant made a deposit in about 6 of every 12 months.

    With an average match rate of about 2:1, participants accumulated...

    The American Dream Demonstration (ADD) is the first systematic study of Individual Development Account (IDA) programs. IDAs are special accounts wherein savings are matched for the poor.

    While saving is not easy for anyone, it is more difficult for the poor because they have few resources and because they lack access to some public policy mechanisms, such as tax-benefited retirement accounts, that subsidize saving. IDAs are designed to increase savings incentives for the poor. Savings in IDAs are matched if used for home ownership, post-secondary education, microenterprise, or other approved asset uses. Participants also receive financial education and support from IDA staff.

    Do IDAs work? ADD suggests that the poor can save and accumulate assets in IDAs:

    Average monthly net deposits per participant were $19.07.

    The average participant saved about $1 for every $2 that could have been matched.

    The average participant made a deposit in about 6 of every 12 months.

    With an average match rate of about 2:1, participants accumulated approximately $700 per year in IDAs. (author abstract)