Out Of The Ruins

The minimum wage issue has been debated endlessly, with arguments both for and against its effectiveness. An increase, tested in some states and enacted in others, immeasurably betters the quality of life for low-income families.

Bangladesh has often struggled maintaining safety in the workplace. But a new effort ensures that Bangladeshi workers are trained about how to better follow security and safety restrictions to create a safer working environment.

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.

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.

In the past five years, as federal and state minimum wage levels failed to keep pace with the cost of living, and as the recession took its toll, the living wage movement has accelerated. Across the United States, more than 125 cities and counties have enacted ordinances or passed ballot initiatives to lift the wages of the working poor.

After years of banning labor unions in Bangladesh, garment workers unionized to fight for higher wages and safer working conditions. For women, this isn't traditionally a space they were welcomed in, but now they’re holding their own meetings to ensure women’s safety is ensured on the job.

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.

For decades, migrant workers in Florida have been employed under dreadful conditions, picking produce without breaks under extreme temperatures and women being sexually harassed. The Coalition of Immokalee Workers has demanded that growers increase wages, mandate rest breaks, and prohibit sexual harassment. The Coalition has partnered with big food companies, notably McDonald’s, Yum Brands, and Walmart, which have pledged to buy only from growers who follow these standards.

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.