Artwork stating 'Education Destroys Barriers', 'We Demand Treatment', and 'I Need A Chance'

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  • Outsourcing Is Not (Always) Evil

    The United States can outsource certain kinds of "microwork," such as accurately digitizing large swaths of information, to developing countries without taking jobs from Americans ― if it’s done carefully, and ethically, as some organizations are working to do. As the author Robert Wright has argued, we no longer live in a zero-sum world, where one person’s, or one country’s gain, must be another’s loss.

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  • Health Care for a Changing Work Force

    America’s system of health care is based on an old industrial-era model, without taking into account a decentralized, mobile, independent workforce that remains largely unprotected without health and unemployment insurance. The Freelancers Insurance Company, based in New York State, offers competitive premiums by having their executives receive salaries at low wages. The model keeps costs under control, which in turn makes health care more accessible to independent workers.

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  • In Famine, Vouchers Can Be Tickets to Survival

    World Concern, a Seattle-based Christian humanitarian group, provides people around the world with vouchers they can use in select markets, rather than the traditional emergency food aid of rice and other grains. In Dhobley, Somalia, the solution of vouchers quickens the process of receiving the food and contributes to the local economy.

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  • Beyond Refugee Camps, a Better Way

    Refugee camps save lives in emergencies – but often refugees languish there for decades. Two columns on programs that allow refugees to live normally in cities, with an ATM card taking the place of a camp.

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  • Making Low-Interest Auto Loans Work

    When you don’t live in a city, if you don’t have a car, you don’t have a job. But car payments can eat up a salary quickly - a New England program offers low-cost car loans to people who need them most.

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  • On the Road, and Out of the Red

    More Than Wheels, a New Hampshire-based non-profit offers an economically stable solution to the high cost of owning a car. The program offers low-cost car loans that go toward the purchase of fuel-efficient vehicles.

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  • Salvaging Medical Cast-Offs to Save Lives

    Many organizations are building distribution systems to get surplus items in one place to those who need them in another. For example, an organization in Brooklyn collects the surplus medical equipment from United States hospitals and ships it to hospitals in poor countries.

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  • Sharing Patents to Wipe Out AIDS

    Once-a-day generic AIDS drugs for poor countries are hard to make because each ingredient is patented by a different pharmaceutical company. The Patent Pool provides a way for companies to donate their intellectual property safely.

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  • Instead of Student Loans, Investing in Futures

    For millions of students who could succeed in college, the limiting factor is money. Is it possible to finance higher education the way we finance start-up companies? A company called Lumni uses “human capital contracts” to offer loans for students contingent upon 14 percent of the student's salary for 118 months after graduation. There are risks to this approach and not a lot of years or data available to be sure of its efficacy, but results are promising already—with a default rate under 3 percent.

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  • The Path From Charity to Profit

    In Jakarta’s slums, families can’t buy their children nutritious food. So Mercy Corps started a for-profit chain of food carts selling healthy kids’ meals. A second column highlights the challenges NGOs face when they try to start for-profit businesses.

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