Insufficient Funds : Savings, Assets, Credit, and Banking Among Low-Income Households

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More About This Textbook

Product Details

  • ISBN-13: 9780871544704
  • Publisher: Russell Sage Foundation
  • Publication date: 1/1/2011
  • Pages: 336
  • Product dimensions: 6.60 (w) x 9.20 (h) x 1.00 (d)

Table of Contents

Chapter 1 Savings, Assets, Credit, and Banking among Low-Income Households: Introduction and Overview Michael S. Barr 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 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 Jonathan Morduch 97

Chapter 5 Savings Policy and Decisionmaking in Low-Income Households Sendhil Mullainathan 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 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 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 Anna L. Paulson 285

Index 319

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