The Biggest Community Development Financing Program You've Never Heard Of

Refugee camps save lives in emergencies – but often refugees languish there for decades. Two columns on programs that allow refugees to live normally in cities, with an ATM card taking the place of a camp.

In Oakland, a company created an online crowdfunding platform that allows users to earn interest by financing clean energy projects and gives people with good social intentions a direct line of action. Across the world, there is a growing movement toward people-powered clean energy.

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.

Funding with too many strings attached makes it hard for non-profits to grow and be impactful. An American organization, Nonprofit Finance Fund (N.F.F.) Capital Partners division, is finding ways to finance non-profits likes companies and has already shown great success in pilot situations.

Through the Burbank Senior Artists Colony - a community created by EngAGE - low-income seniors learn how to become artists. The recreational classes hosted by the community keep people feeling phsyically and mentally young, allowing them to focus on recreation instead of financial hardship.

Corporations concerned about their social and environmental impact must also consider the costs. Bcorps, a new form of corporation in the U.S., are using a rigorous certification process to gain consumers trust and boost sales.

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.

The World Conservation Union estimates that 40 percent of the more than 40,000 species it tracks on its Red List are close to extinction and this problem requires humans to change their behavior to fix it. Rare’s the Pride Campaign uses social marketing to attract attention and communicate the conservation message between local communities and government entities. The Pride Campaign has been replicated around the world for different conservation efforts to protect biodiversity.

For the past three years, water levels in the San Antonio Edwards Aquifer have decreased to uncomfortable levels and drought periods may continue as the population booms. The San Antonio Water System organization has set up rules to limit water use and has recycled water for conservation frugal innovation.

Milwaukee County’s mental health system put more resources in expensive emergency care rather than invest in programs that offer continual care. As a result, Milwaukee County identifies nine solutions from other cities that have had success in repairing mental health systems. Solutions include the ending of reliance on emergency care, expand community support programs, change laws, and supportive housing.