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

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  • Teaching Teens Financial Literacy

    Students at Provine High School will soon be able to open up accounts with Hope Credit Union, right in their own hallway. The partnership is helping students realize that having a relationship with a financial institution can create a more stable financial future, breaking the cycle of poverty.

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  • When parents of people with disabilities reach the breaking point

    Part 1 of the Caregivers Crisis series: As parents of adults with disabilities face their own struggles with aging, health, and mobility they often find themselves at the frayed end of their resources. The Parent Support Project brings these parents together to provide counseling, information on resources, financial counseling, moral support, and renewed energy to keep moving forward with their lives.

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  • CDFIs Can Help Native Populations Moving to Cities

    In Rapid City, South Dakota, talking about money is taboo among Native American families. To help improve their financial situations Black Hills Community Loan Fund offers financial literacy classes. The organization is in the process to be certified as a Native CDFI, a program that will help expand their impact.

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  • Pulling Hispanic Immigrants Out of the World of Check Cash Stores

    Although the Hispanic population accounts for about 20% of the U.S. population, many of those communities are still under- or un-banked. To overcome this issue, local credit unions are adapting the way they are reaching this population by using more word of mouth and leveraging local organizations which have gained Hispanic trust, as well as using identification information this population can provide.

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  • America Can Fix Its Student Loan Crisis. Just Ask Australia.

    Around the world, students borrow money to pay for college, but, in the United States, students are more likely to fall behind on loans. Australia may offer some lessons: borrowers in Australia only start paying back their loans once their earnings reach $40,000, and beyond that they pay four percent of their income until the loans are repaid. The system does not penalize borrowers when they face economic hardship.

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  • Building Family Assets

    To improve financial literacy and knowledge around child development, Prosperity Works – a program in New Mexico – is offering classes focused on these issues to parents. This program offers the foundational education necessary to open a bank account and use Individual Development Accounts to save funds for housing or educational needs.

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  • The Story Behind the First-Ever Life Insurance Coverage for People With HIV

    Up until 2015, people living with HIV in the U.S. could not buy term life insurance, outside of a few small-value employer policies. Æqualis, a new company in partnership with Prudential Financial, began offering 10- and 15-year life insurance policies to individual consumers to help them and to reduce stigmas surrounding the disease.

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  • Micro-insurance offers poor families in poorer countries protection from destitution

    All across Asia there is a growing market for micro-insurance, or targeted insurance policies that provide benefits to the poorest individuals and families. As of 2012, over 170 million people in Asia were using some form of micro-insurance, but there is so much more room to grow. Successful programs in India, the Philippines, Bangladesh, and other Asian countries are providing health, life, and accident insurance.

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  • Can teaching Kenyan girls to save money also save them from HIV?

    For adolescent girls in Kenya, poverty increases the likelihood of sexual exploitation. The Safe and Smart Savings program at Zelyn Academy creates a “safe space," where girls can talk about two seemingly disparate — and often taboo — topics: smart savings and reproductive and sexual health, and help break the cycles of poverty and HIV/AIDS.

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  • Preparing for Disaster by Betting Against It

    In the wake of Hurricane Sandy, necessity has bred an interesting kind of financial invention for the New York MTA: the world’s first “catastrophe” bond - a reinsurance for the insurer - designed to protect public transportation infrastructure, specifically against storm surge. These bonds privatize risk for public gain, creating a kind of tool that may protect economic development against all kinds of natural and man-made disasters around the world.

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