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Journal Article
Testing Our Hypotheses on Equitable Development: Midcourse Learning and Adapting Through SPARCC
The Strong, Prosperous, And Resilient Communities Challenge (SPARCC) supports collaborative leadership to advance changes in policy, practice, and investment that promote equitable regional development. SPARCC does this by investing in six regions across the country: Atlanta, Chicago, Denver, Los Angeles, Memphis, and the San Francisco Bay Area. Within each site, leaders from across sectors come together at the same metaphorical table to align their vision and implement strategies for effecting regional change. SPARCC provides each site with combined grant and technical assistance funds over ...
Journal Article
Student debt and default in the 12th District
Postsecondary educational expenses and student loan balances have been trending steadily upward, but persistent unemployment and weak economic conditions have created an alarming new trend of rising student loan defaults. This Brief examines broad trends in student borrowing in the Federal Reserve's 12th District, with an emphasis on students from low- and moderate-income households. The rise of student borrowing has important community development implications as it directly impacts the present and future financial well-being of LMI individuals.
Working Paper
Boosting the power of youth paychecks: integrating financial capability into youth employment programs
This paper summarizes the results of the first-ever quasi-experimental design study of a youth financial capability initiative seamlessly integrated into a youth workforce development program. MyPath Savings supports low-income working youth to bank, save, and build their financial confidence through a comprehensive model that includes financial education, goal-setting, and non-custodial accounts. MyPath provided technical assistance and training to prepare nonprofits to implement MyPath Savings, as well as to the financial institution partner, Self-Help Federal Credit Union, to ensure the ...
Working Paper
Creating a marketplace: information exchange and the secondary market for community development loans
There is a lack of information exchange between community development lenders and capital investors that limits the growth of a secondary market for community development assets. This obstacle limits the ability of community development lenders to tap into the virtually endless capital resources of the secondary market, thereby limiting the valuable services these organizations provide to underserved communities.
Journal Article
Community development and education: a shared future
An examination of the intersection between education and community development and how cross-sectoral efforts can improve achievement among low-income students.
Working Paper
Lessons on cross-sector community development: the Las Vegas Healthy Communities Coalition
The Federal Reserve Bank of San Francisco, in partnership with the Robert Wood Johnson Foundation, launched the ?Healthy Communities? initiative in 2010 to explore how the health and community development sectors can collaborate. A regional meeting took place in Las Vegas in January 2012, which led to the formation of the Las Vegas Healthy Communities Coalition (LVHCC), a collective impact initiative with a mission to ?foster collaboration and coordination across multiple sectors and stakeholders, to generate healthy outcomes for all Southern Nevadans.? This report details the formation and ...
Journal Article
Creating a marketplace: information exchange and the secondary market for community development loans
The ?electronic marketplace? allows participating buyers and sellers to exchange information about market prices and product offerings, with a goal to establish buyer-seller relationships. This article explores how to foster these relationships with community development lenders and investors.
Journal Article
Prize Linked Accounts for Youth (PLAY): a new approach to youth financial education and saving
Mission SF Community Financial Center, a nonprofit affiliate of the Mission SF Federal Credit Union in San Francisco, CA, has developed an innovative approach to teaching youth financial education and encouraging youth to save by awarding a prize linked to their savings behavior. This article looks at the experiences of youth in the first year of the pilot program, and summarizes the pilot?s successes and challenges in providing financial education to youth and encouraging them to reach their savings goals. Although the first year pilot was small, the initial results are encouraging. Youth ...
Journal Article
The Supplemental Poverty Measure
The Census Bureau recently released findings on the Supplemental Poverty Measure, an alternative approach for estimating the prevalence of poverty in the United States.