What a Public Bank Can Do for Real People

In an effort to break the cycle of poverty in Memphis, a government organization is using conditional cash transfers, paying students if they earn good grades and adults if they maintain a full-time job.

Farmers in Vietnam face rising sea levels but rejected the city's water engineering projects. They prefer gradual measures to cope with climate change so scientists have allowed the farmers to steer the conversation.

Louisiana and Vietnam both need affordable solutions to rising sea levels. Leaders from Vietnam visited Louisiana to compare ideas.

Most insurance companies avoid insuring poor farmers because the transaction costs are too high, but a non-profit in Kenya created a sustainable way to cover them.

Poor people are less likely to make smart financial decisions; however, new research in the U.S. says this is not about intelligence but rather about a brain being overwhelmed with issues related to poverty. To combat that barrier of stress, organizations around the world are making financial decisions easier for people experiencing poverty by making borrowing easier and automating future financial planning, like 401(k) contributions.

Funding with too many strings attached makes it hard for non-profits to grow and be impactful. An American organization, Nonprofit Finance Fund (N.F.F.) Capital Partners division, is finding ways to finance non-profits likes companies and has already shown great success in pilot situations.

The non-profit Root Capital created a lending initiative in Mexico which helps mid-size rural farmers gain access to capital, skills, and consumer markets from which they would otherwise be excluded.

Foreclosure affects millions of homeowners and millions more owe more on their mortgages than what their homes are worth, but Empowering and Strengthening Ohio’s People (ESOP), offers assistance. As a free service to borrowers, ESOP holds lenders accountable with fair lending agreements, creates constructive communication, and ultimately saves homes.

At a time when university students lack opportunities and financial help to test their innovative business ideas, the Resolution Project supports higher education students who have ideas for socially responsible businesses and charities. Resolution offers small awards to start businesses as well as mentor opportunities that enable networking and business collaboration with experts.

Ecological toilets that use natural composting to break down waste are simple to construct, waterless and are easy to fix. But as philanthropists are finding, getting these to those that need it most is harder than anticipated.