The Network Keeping Dallas' Most Vulnerable Citizens Afloat

Low-income students are always looking for ways to finance their education. A new system using “human capital contracts” to pay for higher education isn’t as scary as it sounds.

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.

The lack of access to healthy food has always been a problem for the financially unstable. Food stamps can now be used to buy fresh produce at farmers markets, but greater success could be achieved by getting grocery stores involved.

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.

Government benefits to aid the poor are frequently left unclaimed, leaving children hungry, young people unable to finish school, and opportunities for stable housing and preventative health care unused. New York City-based program Single Stop connects people to benefits for which they may be eligible. Importantly, Single Stop has served community colleges where disadvantaged students can use the assistance to help get through school.

The company that manufactures Lifestraw, a water purification device, has found a way to distribute their product to impoverished Kenyan families for free, while still making a profit. In the global carbon credit market, businesses receive carbon credits for projects that reduce greenhouse gas emissions. These credits can then be sold to companies who need to offset their carbon emissions, allowing green companies to make a profit off of their small ecological footprint.

Attending college is not always a given option for gifted teenagers from less-than-wealthy backgrounds. National organization QuestBridge creates a way for low-income and minority high-achieving students to go to their dream colleges free of cost.

Lack of reading material is not only a third-world problem – many poor families in the United States lack access to and funds for books. A program that helps get books to into the homes of low-income families can boost literacy, and help publishers, too.

In combatting poverty, a giant informal economic system has quietly emerged in Africa. Women participate in micro-finance organizations that loan money in order to allow them to create businesses and become self-managing.

Through creative financing and new technology, a non-profit in San Francisco is making farmers markets more accessible to residents who rely on federal nutrition benefits.