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The program is to be administered by USDA's Farm Services Agency. North Carolina has one of the leading statewide networks of IDA programs with 32 local IDA sites in 55 North Carolina counties.
These 32 programs provide matching funds and support to more than low-income account holders. Although the concept of asset building development has seen greater prominence in the US and the developed world, there is evidence of such programs and their successful impact in developing countries as well.
Sub Saharan Africa is one key region where these programs are being experimented with. Like the programs in the US funding for IDA programs in Sub Saharan Africa comes from government agencies, private companies and local charities.
For instance, the Co-operative Bank and Equity Bank operate child savings accounts in Kenya. Public banks make such programs accessible in Thailand and Sri Lanka and microfinance institutions perform a similar job in Papua New Guinea.
The first systematic study of IDAs was the American Dream Demonstration ADD — a foundation-funded national demonstration of IDAs organized by CFED and the Center for Social Development that ran from to This study has thus far yielded two major reports: Saving Performance in the American Dream Demonstration published in and Evaluation of the American Dream Demonstration published in August by Abt Associates.
National research on the impact of IDA programs in the United States has revealed that:. The programs in Sub Saharan Africa also show that asset-building interventions have potential utility as a policy solution for improving the economic well-being of poor households in Sub Saharan Africa.
An effect size of this magnitude is likely to positively alter economic well-being and quality of life. One possible goal of asset building is for residents , businesses , and institutions to become interconnected with each other and the mainstream economy.
Having assets such as those made possible by IDA accounts gives an individual more wealth as well as disposable income.
The community benefits from the increased spending power among residents , which may attract new businesses or increase home ownership rates.
In the past few decades, there has been growing concern about the level of marginalization currently experienced by vulnerable groups and about unequal distribution of wealth.
The economic stability that assets purchased through IDAs provide enables the creation and maximization of opportunities for meaningful participation of socially vulnerable people like racial minorities and women in economic , social , and political institutions under conditions that enhance their well-being and capabilities.
Studies addressing the relationship between parental assets and children 's well-being show positive effects on self-esteem among adolescents in the case of higher parental assets.
Like many other tools aimed towards economic development , Individual Development Accounts are met with criticisms regarding their impact and cost effectiveness.
Since IDAs also run the risk of being used as a checking or savings account in addition to its intended purpose, they may accumulate extra administrative costs associated with ordinary checking and savings accounts.
Despite the decline in IDA costs over time, IDAs have yet to achieve economies of scale to sustain low costs. In fact, administration costs for IDAs tend to be higher than that of k s and IRAs.
Ray Boshara warns that "this high cost may have a sobering effect on the expansion of IDAs". However, a proper cost-benefit analysis will require further research to see whether the benefits of IDAs exceed its costs or if other programs aimed at poverty alleviation deliver more benefits per unit of cost than IDAs.
Therefore it is not certain whether IDAs are the best use of scarce public funds towards economic development. Although evidence from the American Dream Demonstration shows that IDAs do enable the poor to save and acquire assets, not all findings agree that IDAs necessarily increase household net worth.
The restriction that some IDA programs place regarding the use of only earned income towards IDA savings can be a barrier for people discriminated in the job market.
This includes people with disabilities  and women both of whom face barriers in securing employment and thus are less able to benefit from IDAs.
Furthermore, certain groups of population are more likely to drop out of IDA programs than others. African Americans and Native Americans are also more likely to drop out as well as households with young children and households located in rural areas.
However, women who are another group of marginalized people are able to take advantage of Individual Development Accounts. From Wikipedia, the free encyclopedia.
Redirected from Individual Development Account. Asset building tool. This article needs to be updated. Please update this article to reflect recent events or newly available information.
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