Detroiters are Fighting for the Right to Water

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.

An innovative program by an unusual bank allows low-income people in Cambodia to take out a 15-year fixed mortgage with little or no documentation - contradicting traditional loan assumptions and creating means for some of the country's poorest people to completely change their lives. The bank and its investors are now making a profit, and more than 700 mortgages and building loans have been provided.

Lack of access to sanitary bathrooms in the village of Kivalina, Alaska led to the implementation of a novel, home-based water sanitation system, currently being tested for effectiveness. The hope is that it proves to be a solution for areas all over the state with lack of access to clean water systems.

New York City black tar roofs cause a number of environmental problems, including air pollution, heat absorption that raises energy consumption, and storm water runoff in the sewer system. Efforts to turn these old roofs into green spaces cool the buildings, enable the containment of more rainfall, reduce sewer discharge, generate energy, and absorb carbon emissions. New York City has a pilot program offering financial help for green roofs.

New Orleans implemented an extraordinary 10-year plan that engaged unprecedented cross-sector collaboration between government, non-profit, and private entities to provide housing and housing services to the city's homeless veterans. The city's success in providing homes for every single veteran formerly on their streets motivated cities across the nation to tackle the crises using similar means, leading to a 1/3 decline veteran homelessness since 2010.

More Than Wheels, a New Hampshire-based non-profit offers an economically stable solution to the high cost of owning a car. The program offers low-cost car loans that go toward the purchase of fuel-efficient vehicles.

In war zones, people have a difficult time finding clean water and safe areas to inhabit. Social media, smart phones, and technology applications are aiding in people’s survival. In Aleppo, Syria, the International Committee of the Red Cross posted a map on Facebook to show alternative sources of clean drinking water that reached approximately 140,000 people.

In India, 620 million people openly defecate outdoors, causing harm to hygiene, sanitation, food, and water resources. The president of India funded an initiative to build public toilets for the people in his country, but the people did not use them because of traditions and behaviors. The Total Sanitation Campaign is starting to change villagers’ minds by having local leadership persuade those who resist the toilets by holding community activities and creating special committees to maintain the sanitation.

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.

Neighborhood Trust is a New York-based nonprofit offering financial advice to individuals experiencing economic hardships. Providing hands-on coaching, counselors are able to inform their clients about financial options they may have otherwise not known about like college financial aid or child care tax credits.