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.Read More
At least 25 percent of female veterans were sexually abused in childhood, making it more difficult to reenter civilian life. Volunteers of America runs a holistic housing program for homeless veterans in the U.S.Read More
Foreclosure affects millions of homeowners and millions more owe more on their mortgages than what their homes are worth, but Empowering and Strengthening Ohio’s People (ESOP), offers assistance. As a free service to borrowers, ESOP holds lenders accountable with fair lending agreements, creates constructive communication, and ultimately saves homes.Read More
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.Read More
Millions of families of arrested individuals do not know what to do to help, how to obtain a lawyer, or what the process entails in the court system. Created by Albert Cobarrubius Justice Project, participatory defense is a type of community organizing that teaches and empowers people who face criminal charges. Individuals know how to work with attorneys in order to navigate the system and ultimately feel equipped to become drivers of their own change.Read More
Tulsa Public Schools drew on expertise across many sectors and extensive neighborhood input to address the issue of thousands of empty seats in local schools. Through a community-focused process, they were able to mindfully close under-utilized schools and better maximize the community's resources for students.Read More
India has had a problem in which 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 old traditions and behaviors. The Total Sanitation Campaign is slowly changing villagers’ minds by having local leadership persuade those who resist the toilets by holding community activities and creating special committees to maintain the sanitation.Read More
Civic leaders in the U.S. struggle to effectively help their distressed neighborhoods. East Lake, Atlanta, created a replicable model that mixes residents of differing socio-economic status, and focuses on education and health in the area.Read More
Global social and economic problems are difficult to change. However, fan-activism fuels the interests of fans of popular young adult fiction. Books such as Harry Potter and the Hunger Games have inspired activist groups that raise awareness of global hunger, reading, and relief supplies to impoverished nations, among others. Being a fan has served as a bridge to become politically active and solve the world’s problems.Read More
To address the increasing unaffordability of housing in Berlin, the city introduced a new rent control law to prevent rates from exponential growth. The city has also outlawed vacation rentals in certain zones of the city and created a program that aims to have 30,000 new rental properties available over the next decade.Read More
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