Damit's fürs Alter reicht: Wege aus der Rentenlücke

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.

In the poorest places, the lack of proper clothing costs lives. Now a simple and efficient program in India is attacking the problem with the urgency it deserves.

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.

Hospitals in New York improve healthcare quality and reduce medical costs by staying in frequent contact with patients requiring frequent or long-term care. Montefiore's Accountable Care Organization pulls in care providers from across the medical and social spectrum to improve patient health while curbing expenses.

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.

Lotteries aren’t usually considered part of the solution to a savings crisis experienced across America, particularly by the nation's poor, but with more hopefuls purchasing lottery tickets than setting aside rainy day funds, one organization, Doorways to Dreams, is working to change federal and state laws to allow banks to offer prize-linked savings. In Michigan, the programs have seen some success.

In the wake of Hurricane Sandy, necessity has bred an interesting kind of financial invention for the New York MTA: the world’s first “catastrophe” bond - a reinsurance for the insurer - designed to protect public transportation infrastructure, specifically against storm surge. These bonds privatize risk for public gain, creating a kind of tool that may protect economic development against all kinds of natural and man-made disasters around the world.

Agencies across the corporate, government, and nonprofit sectors are recruiting ideas from the public by offering prizes for solving challenges. Prize incentives have spurred innovation for centuries, but fell out of favor as the preferred method in the 1800s. Now, prize-based incentives are back, in part because of a flood of new philanthropic money, and because prizes cast a wider net to a largely more educated and tech-savvy global population.