TitleSecond Thoughts: Who Almost Participates in an IDA Program?
Publication TypeJournal Article
Year of Publication2010
AuthorsRothwell, D, Han, C-K
JournalJournal of Social Service Research
Pagination107 - 117
Date PublishedMay-02-2011

Using data reported on applications to a large individual development account (IDA) program (N = 758), the purpose of this study is to examine the self-selection process. Persons who applied to the program but did not enroll had second thoughts about the IDA. Multivariate logistic regression showed that children in the household and negative net worth along with vehicle nonownership were positively related to second thoughts. Education-savers were more likely than home-savers and business-savers to have second thoughts. This information can be used to target individuals at risk of not enrolling in IDAs, ultimately expanding access to underserved, low-income households. Future research is needed to understand how IDA recruitment strategies and institutional characteristics affect program participation and second thoughts.

Short TitleJournal of Social Service Research