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Empowering Low-Income Families: Asset Building Strategies for Economic Independence

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chuong
9 diapositives · 238 Views · Sep 05, 2014

In her remarks at the 2010 Second Meeting of Ministers and High Authorities of Social Development in Cali, Colombia, Carmen R. Nazario emphasizes the importance of asset building for low-income families. She defines asset building as engaging in long-term saving and investment behaviors to increase economic independence. Highlights include strategies like financial literacy education, access to mainstream financial services, and matched savings accounts known as Individual Development Accounts (IDAs). Collaborations among government, NGOs, and the private sector are essential for success in these initiatives.

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Empowering Low-Income Families: Asset Building Strategies for Economic Independence
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  1. “Helping Low Income Families Build Assets”Remarks by Carmen R. NazarioAssistant Secretary for Children and FamiliesUS Department of Health and Human ServicesSecond Meeting of Ministers and High Authorities of Social DevelopmentJuly 8-9, 2010Cali, Colombia

  2. Definition of Asset Building: “Engaging in long-term saving and investment behavior to increase economic independence”Fundamental premise that underlies asset-building is that income supports alone may not be enough to enable a family to become economically self-sufficient over the long-term

  3. Partnerships with State and Local Governments, non-governmental organizations, and private sector are critical to success of asset-building

  4. Components of Asset Building in the US • Asset-Building Strategies under way in the US • Research and Evaluation in the field

  5. Key Components of Asset Building in US Financial Literacy education and training • Need information and skills to make good decisions regarding: how to do a monthly budget, how to save for purchase of home, for university education, or for start-up or expansion of small business Access to Mainstream Financial Services, i.e. banks, credit unions • Families that use banks, and credit unions, are more successful at planning and saving.

  6. Key components of Asset Building in US Credit and Debt Counseling Information onhow to manage money, i.e. how to pay off credit card debt, how to borrow wisely and how to pay back loans Access to Matched Savings Accounts called Individual Development Accounts (IDAs) Definition: A savings Account for lower income individuals used for a specific purpose such as education, purchasing a first home, or starting or expanding a business.

  7. Asset-Building Strategies Underway in the US The Federal Government is leading some aspects of the work on asset building strategies, and state and local governments and private foundations are taking the lead in others.

  8. Research on Asset-Building in the United States Asset-building and Individual Development Account policies have been supported and partially driven by positive research findings about their effectiveness as poverty-alleviation strategies

  9. Resources • HHS Administration for Children and Families - http://www.acf.hhs.gov/programs/ocs/afi/index.html • CFED -http://www.cfed.org • Center for Social Development, American Dream Demonstration http://csd.wustl.edu/pages/default.aspx & http://csd.wustl.edu/AssetBuilding/Pages/AmericanDreamDemonstration.aspx • New America Foundation – http://www.newamerica.net • Assets for Independence Resource Center – http://idaresources.org