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Asset-Building
Information Kit
Papers and Reports
Papers and Reports
Building Assets
and Opportunities Newsletter
Asset-Building Publications and Reports
Financial Capability
Self-Employment
Self-Employment Program Reports
Self-Employment Opportunities for People with Disabilities
Self-Assessment
Workbooks
Business Plan Guide
Practitioner's
Guide
Resource Guide
Video
Building A Self-Employment Model
General
Research Papers and Conference Reports
Design and Implementation of a Program to Help the Poor Save
This report describes the implementation
of,
a demonstration project designed to test whether financial incentives
can help low-income people improve their long-term economic prospects.
Helping
People Help Themselves: An Early Look at
This report presents preliminary
observations from theproject.
It is the first published report about the project, which has now completed
its recruitment phase with 4,827 people enrolled at 10 sites across Canada.
Complete Information Kit [PDF, 507 KB]
Backgrounder
[PDF, 120 KB]
Growing
Interest [PDF, 94 KB]
Project
Partners [PDF, 155 KB]
Frequently
Asked Questions [PDF, 131 KB]
How
to Apply [PDF, 95 KB]
Research
[PDF, 98 KB]
Case
Study Sites Involvement [PDF, 96 KB]
Random
Assignment Sites Involvement [PDF, 133 KB]
Pochette D'information Compléte [PDF, 479 KB]
Vue
D'Ensemble [PDF, 103 KB]
Le
Cid - La Croissance de L'intérêt [PDF, 95 KB]
Les
Partenaires De $avoir En Banque [PDF, 143 KB]
Foire
Aux Questions [PDF, 104 KB]
Comment
Faire Une Demande D'inscription [PDF, 99 KB]
Aperçu
Du Volet Recherche [PDF, 91 KB]
Les
Étapes À Suivre - Centres D'étude De Cas [PDF,
92 KB]
Les
Étapes À Suivre - Sites Expérimentaux [PDF, 133
KB]
Final
Report - Study of Individual Development Accounts for Housing [PDF,
234 KB]
Background
Report - Study of Individual Development Accounts for Housing [PDF,
335 KB]
Research
Highlights for [PDF,
164KB]
Research Highlights for ILAs [PDF, 168 KB]
Building Assets and Opportunities Newsletter
Issue 6 - Fall 2005 [PDF, 831 KB]
Issue 5 - Fall 2004 [PDF, 272 KB]
Issue 4 - Spring 2004 [PDF, 272 KB]
Issue
3 - Spring 2003 [PDF, 268 KB]
Issue 2 - Fall 2001 [PDF, 152 KB]
Issue
1 - Winter 2001 [PDF, 191 KB]
Project Update, Spring 2002 (English) [PDF, 45 KB]
Mise à Jour Du Projet, Printemps 2002 (Français) [PDF, 42 KB]
Asset-Building Publications and Reports
Wealth and Well-Being, Ownership and Opportunity (English Version)
Wealth and Well-Being, Ownership and Opportunity (French Version)
[PDF, 3178 KB]
In well-being, wealth matters. Wealth and Well-Being, Ownership and Opportunity makes the case that, for people living in poverty, access to wealth-building opportunities is imperative for well-being. This compilation is a provocative collection of essays from Canadian and international scholars on the emerging topic of asset-building as an approach to poverty alleviation and inclusion. This book discusses asset-building as a tool for broadening access to wealth and challenges the historical acceptance of poverty in Canada as a function of income levels. Asset-building is considered from diverse and intersecting policy perspectives including financial inclusion, social policy architecture, social capital and affordable housing. International comparisons to American and British developments in the field are also included.
Asset-Based Approaches to Settlement Services in Canada
[PDF, 585 KB]
As part of a three year asset-building policy research program funded by Human Resources and Skills Development Canada, SEDI has prepared this discussion paper on the potential for an Individual Development Account (IDA) or similar program model to serve some of the resettlement needs of newcomers to Canada. The intent is to offer some ideas for further consideration and to stimulate a dialogue on this topic within the Canadian settlement community. The proposals in this paper are not about replacing the current settlement system, but rather about adding one option that may assist some newcomers with some of their settlement and integration needs.
Quebec Briefing (English) [PDF, 27 KB]
Quebec Briefing (French) [PDF, 27 KB]
As part of an ambitious and far reaching reform to its provincial welfare system, the Government of Quebec has introduced legislation, Bill 57, that, among other things, specifically acknowledges the role that savings and assets can play in self-sufficiency and makes means-tests far more flexible and progressive. SEDI has taken part in the public consultation process on Bill 57 including the following written submission and appearing before the provincial Committee on Social Affairs on November 25.
The Canada Learning Bond [PDF, 43 KB]
SEDI provided input into the deisgn of the new Learning Bond, highlighted in the March 2004 Federal budget. We applaud the Government's vision and committment to assisting low-income families who want to save for a brighter future for their children.
The Key to Tackling Child Poverty: Income Supports to Meet Their Needs and Assets to Support Their Future [PDF, 43 KB]
This paper discusses child poverty in Canada in terms of access to savings and assets, as well as income and public services. Middle- and upper-income families have incentives to set aside funds for their child's future while low-income families are penalized for doing so through welfare needs tests. What's needed now is a targeted, well-conceived plan for delivering meaningful asset-building opportunities to low-income parents. This paper outlines some of the key features of such a plan, noting progress made in the 2004 federal Budget.
Published by Caledon Institute of Social Policy, March 2004
Asset-Building Guide [PDF, 710 KB]
An overview of the asset-building concept and SEDI's asset-building initiatives, including learn$ave , Home$ave and ILAs. The Guide also provides a short introduction to asset-building programs in the
US and UK .
Savings and Asset-Based Policy in the UK: Observations for Canada [PDF, 155 KB]
This report presents the major findings from a November 2003 review of savings and asset-based welfare policy in the United Kingdom . SEDI initiated and took part in a three-day study tour to gather information that will inform the development of asset-building policy and practice in Canada .
Asset-Building and Fairer Tax Treatment of Savings [PDF, 55 KB]
In the 2003 federal budget, the Government of Canada pledged to review the tax treatment of private savings in Canada and specifically to explore whether or not Tax Pre-Paid Savings Plans (TPSPs) might be a mechanism to expand tax-efficient savings opportunities. Beginning in late 2003, the Department of Finance held a series of informal meetings to consult on these issues. SEDI took part in one such consultation. This document is a copy of SEDI's submission to the Finance.
Poverty is about Assets as well as Income [Horizons, Winter 2003]
An article written by SEDI, published by the Policy Research Initiative (PRI) in the Winter 2003 edition of Horizons. Horizons highlights the work of policy researchers from across federal departments, and from external experts, on issues that relate closely to PRI.
Asset-Building and the Escape From Poverty: A New Welfare Policy Debate [PDF, 170 KB]
Produced and published by the Organization for Economic Cooperation and Development (OECD), this publication establishes the context for a fruitful debate on the merits and demerits of asset-building for the poor by setting out the basic ideas involved in asset-building programs and proposals. It also outlines the social policy advantages that their proponents claim, and documents what the existing programs and demonstration projects look like.
Towards a National Policy/Program on Financial Literacy [PDF, 50KB]
A SEDI discussion paper outlining SEDI's recent work in the area of Financial Literacy.
Comparing Asset-Based Social Policy Experiments: Design Issues for Policy Makers (SEDI Discussion Paper) [PDF, 94 KB]
A SEDI discussion paper comparing the experiences of the two largest asset-building initiatives – the American Dream Demonstration (ADD) and Canada's learn$ave project.
The Case for an Asset-Based Approach to Social Policy in Canada [PDF, 75 KB]
A
policy discussion paper prepared by SEDI for the Institute
for Public Policy Research (IPPR). Originally published in Asset-BasedWelfare:
International Experiences (IPPR, 2001).
Financial Capability - Learning from Canadian Communities [259 KB]
A study on the needs of socio-economically excluded individuals and how the need for financial capability building opportunities are being responded to in the community.
Canadians and Their Money - A National Symposium on Financial Capability
SEDI co-organized this first ever event on Financial Capability in June 2005. Click to review symposim details and persentations.
PRI Financial Capability Paper (English) [PDF, 240 KB]
PRI Financial Capability Paper (French) [PDF, 267 KB]
SEDI has long argued that measures to enhance financial literacy are an essential precondition for the success of asset-building initiatives. Based on an extensive review of the literature, interviews with key informants and profiles of existing programs, SEDI has proposed that financial literacy be rethought in terms of financial capability. Measures to increase financial capability can not only support asset-building, but can also help address other existing challenges to social and economic inclusion such as access to basic banking and access to public programs and benefits. The paper provides a brief overview of key financial capability initiatives in the United Kingdom and the United States and describes the current range of services available in Canada. Finally, recommendations for policy action are provided for consideration with particular attention to needs of disadvantaged Canadians. This paper was commissioned by the Policy Research Initiative of the Government of Canada as part of its project on New Approaches to Poverty and Exclusion.
Self-Employment Employment Benefits Program Report 2005 [PDF, 3.2MB]
OSEDA Final Report [PDF, 51 KB]
Self-Employment Research and Policy Papers
A self-employment policy discussion paper on trends, challenges, barriers and conclusions. [PDF, 42KB]
Exploring Self-Employment Opportunities for People with Disabilities
The following print materials are available in French and English. For people with visual impairments, the material is available on audio-cassette, large print and in Braille format at CNIB offices across Ontario.
Self-Assessment Workbook [RTF, 392 KB]
Manuel
D'autoévaluation [PDF, 202 KB]
Manuel
D'autoévaluation [RTF, 418 KB]
Business
Plan [PDF, 263 KB]
Business
Plan [RTF, 317 KB]
Financial
Forecasts[Excel, 583 KB]
Practitioners' Guide [RTF, 817 KB]
Guide Du Practicien [RTF, 197 KB]
This Resource Guide accompanies the Workbook and Practitioners' Guide. It lists contact information for over 300 related government programs, business development and disability organization websites throughout Ontario.
Resource Guide [RTF, 154 KB]
Guide De Ressources [RTF, 146 KB]
Four successful Ontario entrepreneurs with disabilities share their insights and experiences on starting and managing their own small businesses. Available with both open and closed captioning in English and French.
Building A Self-Employment Model
Developing a self-employment model for people with disabilities.
Research Findings [PDF, 37KB]
US Models and Trends[[PDF, 39KB]
A community building initiative serving people with disabilities.
Final Report [PDF, 24KB]
Our history is a dynamic one, punctuated with many groundbreaking contributions to Canada's poverty issue. The year 2006 saw SEDI build important momentum in many areas, described throughout this annual report.
SEDI Annual Report 2006/07 [PDF, 1800 KB]
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