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Journal Article
The impact of poverty on the location of financial establishments: evidence from across-county data
Riggs, T. Lynn; Newberger, Robin G. (2006-04)
The location of bank branches is an important issue for consumer advocates and other groups that monitor access to financial services for low- and moderate income people. The proximity of banks and their branches to the places where people live and work is one basic element of mainstream financial access. The ability of people to choose from an array of financial products, especially those offered through the banking system, is fundamentally related to the economic well-being of a community.
Profitwise , Issue Apr , Pages 2-5

Journal Article
Tools (Lessons and Strategies) Toward Market Restoration: A Conference Summary
Berry, Michael; Longworth, Susan (2015)
Community development post-recession takes place in an environment that is greatly changed in terms of both demand for and capacity to deliver services. While no community was immune, the places that were most deeply affected by the Great Recession ? and continue to feel its effects ? are often those places that had suffered from disinvestment for decades leading up to it. The tools and strategies that have been developed and relied on by investors, practitioners and advocates ? in some cases for decades ? need to be adapted to the changes, while continuing to meet ever growing demand.
Profitwise , Issue 4 , Pages 4-23

Journal Article
Exploring the Nexus between the Community Reinvestment Act (CRA) and the Affordable Care Act (ACA)
Kuehl, Steven (2019)
Banks and Nonprofit Hospitals: Partners in Community Development? How Banks and Nonprofit Hospitals Can Collaborate on Community Building and Health Outcome Improvement
Profitwise , Issue 4 , Pages 1-9

Journal Article
The Changing Composition of Bank Branches in Seventh Federal Reserve District States
George, Taz; O'Dell, Mark; Newberger, Robin G. (2016)
Across the United States, the banking office landscape has shifted substantially since the financial crisis in 2008, reflecting both long-standing trends of small bank closures, as well as more recent patterns of bank branch declines. These trends are playing out in the states of the Seventh District as well, where the number of banking offices has declined in each state, and increasingly, community banks are losing their share of branches in certain markets. Low- and moderate-income (LMI) neighborhoods in a few of the District?s most populous counties are nearly devoid of community banks.
Profitwise , Issue 2 , Pages 4-13

Journal Article
ShoreBank's rescue loan program
Berg, Brian (2008-03)
Thirty-five years ago, ShoreBank tackled redlining on Chicago?s South Side. A few years later, the bank led the fight to pass the ground-breaking Community Reinvestment Act of 1977. Today, as thousands of South Side home owners are dealing with the repercussions of a subprime adjustablerate mortgage, ShoreBank has taken up a new challenge: providing refinancing to home owners caught up in the mortgage lending meltdown.
Profitwise , Issue Mar , Pages 11-12

Journal Article
Small business access to capital: alternative resources bridging the gap
Newberger, Robin G.; Longworth, Susan (2012-05)
Nationwide in the U.S. over the past 15 years, small businesses generated 64 percent of the net new job growth. Small businesses with fewer than 500 employees, a definition used by the Small Business Administration (SBA), represent 99.7 percent of all employer firms, and employ more than half of private sector employees in the United States. Firms with fewer than 50 employees represent 95 percent of all employer firms. Since the recession that began in late 2007, large bank lending to small businesses has fallen by more than 50 percent.
Profitwise , Issue May , Pages 2-13

Journal Article
Merging the two sides: community needs and market opportunities
Gallagher, Mari (2004-06)
What does a community need, and what can its market support? Financial institutions, regulators, community development financial institutions, community development corporations, and a wide range of others have been asking this question more regularly. Perhaps you have been asking yourself this and other questions:> .Are community needs the same as market demands?> .Does an institution?s service area comprise the same boundaries as its market?> .Where can I find strategic data and information to understand and interpret these dynamics?> .Can my community support a new grocery store, more ...
Profitwise , Issue Jun , Pages 9-12

Journal Article
Insurance and asset building
Coussens, Michelle; Newberger, Robin G. (2008-05)
This study explores the connections between insurance, wealth building/wealth preservation, and access to financial services (hereafter financial access) for low- and moderate-income consumers. It examines the needs, attitudes, and practices that these consumers have regarding insurance, and considers whether and how information or more direct access to insurance might complement the strategies and goals of organizations that help low-wealth consumers to build and protect their assets. Many of the same population groups who are less likely to use mainstream financial institutions are also ...
Profitwise , Issue May , Pages 1-12

Journal Article
Introducing, Understanding, and Using the ICI 300 Peer Cities Identification Tool
Longworth, Susan; O'Dell, Mark; George, Taz (2016)
Municipalities, especially those that are mid-sized or smaller, often face significant challenges in providing services and amenities to meet the needs of their diverse and changing populations. Solutions are usually context-specific and must factor in larger demographic and economic trends, in order to be effective. And, yet, in spite of contextual differences, cities frequently have meaningful similarities. However, identifying peer cities is often informed more by conversation than by data or evidence.
Profitwise , Issue 4 , Pages 3-8

Journal Article
Consumption trends of the U.S. hispanic population from 1980-2003
anonymous (2006-10)
Between 1980 and 2003, the number of Hispanics in the United States increased dramatically from 14.6 million to 39.2 million. As a proportion of the national population, the share of Hispanics more than doubled from 6 percent to nearly 14 percent during this period. Projections from the U.S. Census Bureau indicate this trend will continue well into the future: Hispanics are expected to comprise 20.1 percent of the U.S. population, or 73.1 million individuals, by 2030. In addition to being a huge source of population growth, Hispanics have also been playing an increasingly important role in ...
Profitwise , Issue Oct

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