What Would Happen If We Just Gave People Money?

54 million people in the United States, and 4.5 billion globally, have no credit to their name - making it nearly impossible for them to buy homes, apply for jobs and receive loans. Investors and lenders make an effort to help those with 'invisible credit' scores in financing essentials like homes or cars.

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

Government benefits to aid the poor are frequently left unclaimed, leaving children hungry, young people unable to finish school, and opportunities for stable housing and preventative health care unused. New York City-based program Single Stop connects people to benefits for which they may be eligible. Importantly, Single Stop has served community colleges where disadvantaged students can use the assistance to help get through school.

Kepler University in Rwanda reduces the cost of a university education by hiring teachers based on their willingness to innovate — not necessarily their expertise — and by blending online and in-classroom learning. Students receive the equivalent of a college diploma and job training in order to facilitate a possible rise out of poverty.

Organizations in Detroit are piloting a program to apply food stamp credits in grocery stores towards the purchase of nutritious produce, in order to increase access to healthy items. The initiative can also help the local economy prosper through increased promotion of locally grown produce.

An Irish-based company, ALISON, provides free, high-quality e-courses to people around the globe in order to help close the gap between education and workplace skills. Particularly focused on providing access to areas where more traditional forms of education and job training are difficult to get, this approach is helping to change lives and the economy for the better.

Most programs to cut recidivism don’t significantly reduce rates of repeated arrests or incarceration, but one called the Center for Employment Opportunities that started in New York City is making a dramatic dent. The program provides newly-released prisoners with transitional services - most significantly, distinct working crews where they can be constructively monitored and learn teamwork - effectively helping keep them out of jail and transition back into society.

A non-traditional program called the Family Independence Initiative (F.I.I.), uses a radically different approach from the traditional American social service model to empower entire families alleviate themselves from poverty. The results in multiple states thus far have been so striking, that this model of self-sufficiency may be able to have a significant impact reducing poverty nationwide.

America is the world’s main supplier of food aid to impoverished countries; however, food aid has the problems of long-distance transportation, the cost of the transportation and storage, and the navigation through dangerous zones. Different programs around the world are experimenting with alternative forms of aid, including vouchers and cash for work.

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.