{"id":{"repo_id":"wustl","oai_identifier":"oai:openscholarship.wustl.edu:etd-1659"},"canonical_url":"https://search.dev.ndltd.org/etd/wustl/oai:openscholarship.wustl.edu:etd-1659","repository":{"repo_id":"wustl","name":"Washington University in St. Louis","base_url":"https://openscholarship.wustl.edu/do/oai/"},"display":{"title":"The Earned Income Tax Credit and Financial Capability among Native Households","abstract":"EITC refunds are often substantial sums of money entering households of working families each year. Many households use the EITC to meet their basic needs such as rent, utilities, food, groceries, clothing, and other household expenses. Other EITC recipients view the tax system as a savings mechanism. This is the first study of how the EITC is being used among Native populations. Study data includes 9,482 household surveys collected in over 80 urban, rural, and reservation communities across the U.S. Surveys were completed by EITC eligible households, both Native and non-Native in tax years 2005 - 2008. Results from this study suggest that EITC recipients first allocate their refund dollars to basic needs. However, once these needs are met, many will choose to save their EITC dollars. Factors associated with increased odds of saving include an established savings habit, bank account ownership, direct deposit, and financial education.","abstract_html":"EITC refunds are often substantial sums of money entering households of working families each year. Many households use the EITC to meet their basic needs such as rent, utilities, food, groceries, clothing, and other household expenses. Other EITC recipients view the tax system as a savings mechanism. This is the first study of how the EITC is being used among Native populations. Study data includes 9,482 household surveys collected in over 80 urban, rural, and reservation communities across the U.S. Surveys were completed by EITC eligible households, both Native and non-Native in tax years 2005 - 2008. Results from this study suggest that EITC recipients first allocate their refund dollars to basic needs. However, once these needs are met, many will choose to save their EITC dollars. Factors associated with increased odds of saving include an established savings habit, bank account ownership, direct deposit, and financial education.","abstract_has_math":false,"creators":["Wagner, Kristen"],"institution":null,"degree_name":"Doctor of Philosophy (PhD)","degree_level":"Dissertation","degree_discipline":"Social Work","degree_department":null,"school":null,"contributors":["Michael Sherraden"],"advisors":[],"committee_chairs":[],"committee_members":[],"year":2011,"date_issued":"2011-01-01T08:00:00Z","date_published":"2011-01-01T08:00:00Z","updated_at":"2026-07-24T06:13:31Z","subjects":["Social Work","Native American Studies","Public Policy and Social Welfare","low-income","Native American","Social Policy"],"languages":["English (en)"],"rights":[],"rights_urls":[],"identifier_entries":[{"key":"dc:identifier.doi","label":"DOI","values":["https://doi.org/10.7936/K74F1NWV"],"render_values":[{"text":"https://doi.org/10.7936/K74F1NWV","href":"https://doi.org/10.7936/K74F1NWV","code":true}]}]},"links":{"outbound_url":"https://openscholarship.wustl.edu/etd/660","outbound_label":"Repository record","outbound_source":"dc:identifier"},"metadata_groups":[{"id":"people","label":"People","entries":[{"key":"dc:contributor","label":"Contributor","values":["Michael Sherraden"]},{"key":"dc:creator","label":"Author","values":["Wagner, Kristen"]}]},{"id":"academic_context","label":"Academic Context","entries":[{"key":"dc:date.available","label":"Dc Date Available","values":["2012-05-17T07:00:00Z"]},{"key":"thesis:degree_discipline","label":"Discipline","values":["Social Work"]},{"key":"thesis:degree_level","label":"Degree Level","values":["Dissertation"]},{"key":"thesis:degree_name","label":"Degree Name","values":["Doctor of Philosophy (PhD)"]}]},{"id":"subjects_keywords","label":"Subjects and Keywords","entries":[{"key":"dc:subject","label":"Dc Subject","values":["Social Work","Native American Studies","Public Policy and Social Welfare","low-income","Native American","Social Policy"]}]},{"id":"language_rights","label":"Language and Rights","entries":[{"key":"dc:language","label":"Dc Language","values":["English (en)"]}]},{"id":"identifiers","label":"Identifiers","entries":[{"key":"dc:identifier","label":"Identifier","values":["https://openscholarship.wustl.edu/etd/660"]},{"key":"dc:identifier.doi","label":"DOI","values":["https://doi.org/10.7936/K74F1NWV"]}]},{"id":"additional","label":"Additional Metadata","entries":[{"key":"dc:description.abstract","label":"Abstract","values":["EITC refunds are often substantial sums of money entering households of working families each year. Many households use the EITC to meet their basic needs such as rent, utilities, food, groceries, clothing, and other household expenses. Other EITC recipients view the tax system as a savings mechanism. This is the first study of how the EITC is being used among Native populations. Study data includes 9,482 household surveys collected in over 80 urban, rural, and reservation communities across the U.S. Surveys were completed by EITC eligible households, both Native and non-Native in tax years 2005 - 2008. Results from this study suggest that EITC recipients first allocate their refund dollars to basic needs. However, once these needs are met, many will choose to save their EITC dollars. Factors associated with increased odds of saving include an established savings habit, bank account ownership, direct deposit, and financial education."]},{"key":"dc:title","label":"Title","values":["The Earned Income Tax Credit and Financial Capability among Native Households"]}]}],"canonical_facts":{"dc:contributor":["Michael Sherraden"],"dc:creator":["Wagner, Kristen"],"dc:date.available":["2012-05-17T07:00:00Z"],"dc:description.abstract":["EITC refunds are often substantial sums of money entering households of working families each year. Many households use the EITC to meet their basic needs such as rent, utilities, food, groceries, clothing, and other household expenses. Other EITC recipients view the tax system as a savings mechanism. This is the first study of how the EITC is being used among Native populations. Study data includes 9,482 household surveys collected in over 80 urban, rural, and reservation communities across the U.S. Surveys were completed by EITC eligible households, both Native and non-Native in tax years 2005 - 2008. Results from this study suggest that EITC recipients first allocate their refund dollars to basic needs. However, once these needs are met, many will choose to save their EITC dollars. Factors associated with increased odds of saving include an established savings habit, bank account ownership, direct deposit, and financial education."],"dc:identifier":["https://openscholarship.wustl.edu/etd/660"],"dc:identifier.doi":["https://doi.org/10.7936/K74F1NWV"],"dc:language":["English (en)"],"dc:subject":["Social Work","Native American Studies","Public Policy and Social Welfare","low-income","Native American","Social Policy"],"dc:title":["The Earned Income Tax Credit and Financial Capability among Native Households"],"thesis:degree_discipline":["Social Work"],"thesis:degree_level":["Dissertation"],"thesis:degree_name":["Doctor of Philosophy (PhD)"]},"updated_at":"2026-07-24T06:13:31Z"}