Using Individual Development Accounts For Microenterprise Development

  title={Using Individual Development Accounts For Microenterprise Development},
  author={Fred M. Ssewamala and Margaret Lombe and Jami Curley},
  journal={Journal of Developmental Entrepreneurship},
This study examines whether there is a role for microenterprise development as an anti-poverty strategy in the United States. This question is important because skeptical views exist regarding whether, generally, poor Americans would have the enthusiasm to undertake the risk of dealing with small-businesses, especially given that the United States has a public welfare system to take care of the poor and "abundant jobs" for those with the skills. Using data from 14 community-based programs… 

Tables from this paper

Tanzanian Micro Enterprises and Micro Finance
This article explores the nature of micro finance, or micro credit, in rural Tanzania. It begins by examining the types of finance available to the poor who operate micro enterprises. We then
Development Innovations through Entrepreneurial Microfinance and the Attempt to Achieve the United Nations Millennium Development Goals in Bangladesh
As one of the countries in the Global South, Bangladesh has experienced numerous development challenges since its liberation in 1971. Bangladesh has showcased how to fight against poverty and to
Micro-Credits and Poverty Reduction in Dar-Es-Salaam, Tanzania: A Case Study of Dar-Es-Salaam Commercial Bank
The purpose of this study was to examine the contribution of micro-credits on poverty reduction in Dar-es-Salaam, Tanzania. The study used a sample of 200 respondents taken using simple random
Social capital and earnings distribution among female micro‐entrepreneurs in rural Nigeria
Purpose – The purpose of this paper is to examine the role that social capital plays in the determination and distribution of business earnings of female entrepreneurs in selected rural communities
As an engine of economic growth and women empowerment, micro and Small Scale Enterprises (MSEs) have taken considerable focus in Ethiopia. To explore the impact of women’s participation on MSEs on
Poor Families Striving to Save in Matched Children’s Savings Accounts: Findings from a Randomized Experimental Design in Uganda
It is found that participating in a CSA increased families' likelihood to report having saved money, but the results show no intervention effect either on the amount of self-reported savings or on the likelihood of using formal financial institutions.
Perceived Effects of Participation in an Asset-Building Program on Construction of Future Possibilities
Acknowledging the inadequacy of traditional welfare policies in moving households from poverty to economic self-sufficiency, we examine the psychological effects of participating in an asset-building
The Role of Portable Sawmill Microenterprise Adoption in Promoting Rural Community Development and its Application in Small-Scale Forest Management
.............................................................................................................................. ii Acknowledgements
The Electoral Politics of Vulnerability and the Incentives to Cast an Economic Vote
The Electoral Politics of Vulnerability and the Incentives to Cast an Economic Vote by Matthew McMinn Singer Department of Political Science Duke University Date:_______________________ Approved:


Bootstrap Capital: Microenterprises and the American Poor
The microenterprise strategy --helping people start small businesses --has generated attention among policymakers and the media as a way to create jobs and help lift people out of poverty. Through
Integrating Saving into Microenterprise Programs for the Poor: Do Institutions Matter?
This study examines factors that affect saving performance among participants in a subsidized saving program who intend to use their savings to help capitalize a microenterprise. Using data from 14
Operationalizing microfinance : Women and craftwork in Ifugao, Upland Philippines
In the 1990s, microfinance emerged as the leading development strategy adopted to alleviate poverty and empower the "poor," particularly women. Views differ, however, on the extent to which access to
Human Development Report, 1997
The main objective of the Malaysian government’s New Economic Policy (NEP) announced in 1970 was to advance national unity by reducing poverty irrespective of race and to achieve economic parity
Training for Microenterprise Creation: The Case of the Center for Women and Enterprise
Abstract Women-owned firms are one of the hottest growing sectors in the American economy. Many of these businesses are home-based microenterprises. To support these new entrepreneurs, there are now
Finance Against Poverty
Human Capital: A Theoretical and Empirical Analysis, with Special Reference to Education
A diverse array of factors may influence both earnings and consumption; however, this work primarily focuses on the impact of investments in human capital upon an individual's potential earnings and
Self‐Employment, Microenterprise, and the Poorest Americans
Some advocates of microenterprise programs (MEPs) claim that self‐employment is a good way to help people on welfare. Although MEPs do increase the relative rate of movement from welfare to