‘Bicycles kind of saved my life.' Najari Smith spins a community forward.

A overview of 2014's Fixes columns - connecting the dots between 60 or so ways that people are trying to change the world.

An innovative program by an unusual bank allows low-income people in Cambodia to take out a 15-year fixed mortgage with little or no documentation - contradicting traditional loan assumptions and creating means for some of the country's poorest people to completely change their lives. The bank and its investors are now making a profit, and more than 700 mortgages and building loans have been provided.

When adults are asked what values they think youth sports actually reinforce most, they say competitiveness and the importance of winning. The Positive Coaching Alliance provides teaching tools that help coaches redefine the idea of “winning” from something that is reflected on a scoreboard to something that is reflected in a child’s character.

A Dallas urban neighborhood was dilapidated with abandoned storefronts and offered no vitality for pedestrians. A group of artists and community members created Build a Better Block, in which local artisans and small businesses took over a vacant block and transformed it for a limited time to encourage the ingredients for more permanent urban renewal.

Alleys in Seattle were once places of illicit, illegal, and unsanitary activity. The International Sustainability Institute in Seattle began organizing music and art events to bring in people, which, in turn, cleaned-up the crime and garbage. As an urban development strategy, adjacent vacant storefronts re-opened for business and beautification could be seen in new gardens.

Girls in India are sometimes forced into the prospects of child marriage, prostitution, or slave labor; alternatively, families often teach girls to be wives and mothers. To empower girls to make their own choices, Yuwa, an NGO based in India, introduces girls to sports for social development. Yuwa also promotes educational workshops for girls, where girls can discuss women’s rights and their thoughts about their own bodies.

The Oak Cliff neighborhood in Dallas suffered from recession-closed businesses and crime. Then community members used placemaking, in which people shaped their own environment to improve the quality of life, and the concept of Build a Better Block, which was a pop-up event showcasing art, food, music, and local faire. The idea gives citizens a fresh look at the possibilities through which to transform the space in which they live, and it has attracted attention across the country and around the world.

The Homeless World Cup is the premier soccer tournament for homeless players. Programs around the world use soccer as a means of building a sense of community, sublimating negative energies, and encouraging personal growth.

This is a column on an important new development program in use in at least 40 developing countries: give the poor cash payments, contingent on their use of health clinics and their children’s school attendance, to help break the cycle of poverty.

Neighborhood Trust is a New York-based nonprofit offering financial advice to individuals experiencing economic hardships. Providing hands-on coaching, counselors are able to inform their clients about financial options they may have otherwise not known about like college financial aid or child care tax credits.