A radical approach to gun crime: paying people not to kill each other

In combatting poverty, a giant informal economic system has quietly emerged in Africa. Women participate in micro-finance organizations that loan money in order to allow them to create businesses and become self-managing.

Many subprime borrowers in the United States are financially unable to buy a home themselves. An unconventional lender is trying to make it easier for low-income people to buy houses despite the tighter requirements that other lenders adopted after the mortgage bust.

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

In the past, Los Angeles was a dangerous city fraught with gang wars. Lately, though, LA has become a safer city due to six changes enforced by the police cracking down on public violence and gangs.

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.

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.

For first-time youth criminal offenders, the traditional American jury falls short in encouraging behavioral change and may even set the juvenile on a course for repeated crimes. Washington, DC’s Youth Court is a jury that tries juveniles for minor non-violent offenses and offers peer pressure to prompt positive behavioral change. The DC Youth Court is one of many in the United States that reduces crime and future court costs.

In prison, most inmates are alienated from social practices and can be a tax burden for the states. The Colorado Correctional Industries is a program that positions inmates in different forms of labor such as making stuffed toys, farming fish, picking fruit, tending livestock, and creating crafts to be sold at grocery stores. The program makes inmates into taxpayers instead of tax burdens and offers skills that are useful for future employment once they leave prison.

To decrease the chance of formerly incarcerated individuals relapsing and ending up back in the prison system, the J.F. Ingram State Technical College in Alabama offers correctional education and vocational programs. This training has aided those incarcerated with life skills for after their release, decreasing the likelihood that they will relapse and increasing the likelihood that they will better adjust to their community.

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.