Rebecca M Loya


Rebecca M Loya's photo


Brandeis Directory


U.S. Social Policy: Asset building policies for low and moderate income populations; Children's Savings Accounts; Gender, race, and class; Economic inequalities and economic inclusion; Economic implications of sexual violence


  • Brandeis University
  • Brandeis University
  • Stanford University
  • Stanford University

Rebecca M Loya



Rebecca Loya is a Research Scientist at the Institute for Economic and Racial Equity (IERE, formerly IASP) at the Heller School for Social Policy and Management. Dr. Loya conducts research on family economic stability and the gendered and racialized nature of economic inequalities in the U.S. Her recent work at IASP focuses on Children’s Savings Account (CSA) programs; the study of entrepreneurship and financial inclusion in communities of color; and analysis of the gender-racial wealth gap. Previous work has included efforts to integrate asset building into human service work; the state asset learning cluster; and the Massachusetts Asset Development Commission. She has also studied the role of sexual violence in creating economic disadvantage and the protective effects of financial assets and social capital. Prior to joining the IASP staff, Rebecca spent two years as a Post-Doctoral Research Associate in Public Policy at Brown University. Rebecca holds a PhD in Social Policy from the Heller School of Social Policy and Management at Brandeis and a Master's degree in Psychology from Stanford University.

Awards and Honors

  • Barbara Wakefield Award for contributions to the Heller School (2013)
  • Ford Foundation Predoctoral Fellowship (2009 - 2012)


  • Loya, Rebecca M; Smith-Gibbs, Madeline. Children's Savings Account Survey of Private Funding 2019: Insights from the CSA Field. New York, NY Asset Funders Network: 2021.
  • Loya, Rebecca M; Smith-Gibbs, Madeline; Ejaife, Ofa. Looking to the Future: The Children's Savings Field Responds to COVID and Racial Equity. Waltham, MA Institute on Assets and Social Policy: 2021.
  • Loya, Rebecca M; & Stranc, Lindsey. Investing in the Future of Our Community: A Case Study on Funders’ Motivations for Supporting Children’s Savings Accounts. Chicago, IL Asset Funders Network: 2020.
  • Brown, Chris; Torres, Marisabel; Loya, Rebecca Marie. The Future of Banking: Overcoming Barriers to Financial Inclusion for Communities of Color.. Oakland and Los Angeles, CA PolicyLink and UnidosUS: 2019.
  • Loya, Rebecca M.; Chaganti, Sara; Quinn, Laila. "Employment Capital and Financial Well-Being: Do Non-Income Benefits Matter?." Consumer Financial Protection Bureau (CFPB) Financial Well-Being Research Conference, Washington, D.C.. Consumer Financial Protection Bureau, November 2019.
  • Loya, Rebecca Marie; Lovejoy, Meg. Children’s Savings Account Survey of Private and Public Funding 2017: Insight from the CSA Field. Chicago, IL Asset Funders Network: 2019.
  • Wright, Graham; Loya, Rebecca M.; Meschede, Tatjana; Santos, Jessica; Shapiro, Thomas M.. Redefining Risk: Racial Disparities in Entrepreneurship and Financial Wellbeing. Waltham, MA Institute on Assets and Social Policy, Brandeis University: 2019.
  • Loya, Rebecca Marie. Children’s Savings Account Survey of Private Funding 2015-2016. Evanston, IL Asset Funders Network: 2018.
  • Markoff, Shira; Loya, Rebecca Marie; Santos, Jessica. Quick Guide to CSA Research: An Overview of Evidence on Children’s Savings Accounts. Waltham, MA and Washington, D.C. Institute on Assets and Social Policy and Prosperity Now: 2018.
  • Loya, Rebecca Marie, Santos, Jessica. Cultivating CSAs: The Growth and Spread of Children's Savings Accounts in New England. Waltham, MA Institute on Assets and Social Policy: 2017.
  • Loya, Rebecca Marie. Children's Savings Account (CSA) Timeline 1991-2019. 3/14/17. Institute on Assets and Social Policy. <>.
  • Loya, Rebecca Marie; Garber, Judith; Santos, Jessica. Levers for Success: Key Features and Outcomes of Children’s Savings Account Programs.. Waltham, MA Institute on Assets and Social Policy: 2017.
  • Loya, Rebecca Marie. "A Bridge to Recovery: How Assets Affect Sexual Assault Survivors’ Economic Well-Being." Sage Open 5. 1 (2015): 1-15.
  • Loya, Rebecca Marie; Boguslaw, J.; & Erickson-Warfield, M.. Empowering Prosperity: Strengthening Human Services Impacts through Asset Integration. Waltham, MA Institute on Assets and Social Policy: 2015.
  • Loya, Rebecca Marie; Mann, A.; Boguslaw, J.; & Shapiro, T.. Tipping the Scale: How Assets Shape Economic Wellbeing for Women and Families. Waltham, MA Institute on Assets and Social Policy: 2015.
  • Loya, Rebecca Marie. "Rape as an economic crime: The impact of sexual violence on survivors’ employment and economic wellbeing." Journal of Interpersonal Violence 30. 16 (2014): 2793-2813.
  • Loya, Rebecca Marie. "The role of sexual violence in creating and maintaining economic insecurity among asset-poor women of color." Violence Against Women 20. 11 (2014): 1299-1320.