Florida Community Loan Fund maximizes opportunities for people and places outside the economic mainstream. Learn more about our flexible financing and impact in Florida's low-income communities. Updated through December 31, 2020.
The Great Generation is delivering Project 21Biz, a business-based approach to bring economic & social development to poverty stricken areas. It combines the skills & knowledge of local communities, students and professionals during a two-week on-the-ground consulting project.
Housing situation in Roma settlements in Slovakiahabitatmacedonia
The document discusses the Roma population in Slovakia and a program called YOUR SPIS that aims to improve living conditions for impoverished Roma. Key details include:
- Around 320,000 Roma live in Slovakia, with about half integrated and half living in isolated settlements lacking infrastructure or access to services.
- The YOUR SPIS program supports community organizations, provides services, and has established kindergartens, community centers, and small businesses to help improve conditions for disadvantaged Roma families.
- To be effective, the program recognizes it needs a comprehensive, long-term, and client-centered approach that addresses the complex factors contributing to exclusion and poverty.
Over 1000 participants from various sectors will convene with the aim of accelerating social entrepreneurship and uniting social entrepreneurs with partners to pursue learning, leverage opportunities, and create large-scale social change. The invitation-only event will feature speakers like Kofi Annan and include seminars, discussions, and networking opportunities on topics like advocacy, education, and fundraising, with pricing ranging from $500-2850.
The mission of Project H.O.P.E. is to facilitate partnerships between congregations/community organizations and low-income individuals/families to help them gain dignity and independence. Project H.O.P.E. is a 501(c)(3) non-profit led by CEO Denis Rigdon that provides programs like IDA savings matching, financial education classes, vehicle ownership, and mentoring training to over 700 mentors. Major accomplishments include starting the region's first homeless shelter, acquiring over $2 million in funding, and developing affordable housing and employment programs.
50Naira.org is a nonprofit organization dedicated to community development and individual reintroduction into productive society through personal and environmental improvement. Their mission provides resources to homeless, destitute, beggars, and low-income individuals/families in Lagos and Nigeria to mentor and educate those ready to overcome their current life circumstances. They help vulnerable members of society improve their lives and become independent through volunteering, sponsoring, and donating.
The document discusses the importance of volunteerism for municipal vitality and provides best practices for municipalities to recruit, train, and retain volunteers. It notes that imagining if all volunteers stopped contributing their time and energy shows how vital volunteers are. It recommends that municipalities create a plan to enhance support for volunteerism and acknowledge volunteers. The top 10 best practices include creating inclusion for diverse groups in recruitment, establishing a volunteer management program and advisory committee, partnerships with organizations, training, support services, adopting best practices, and recognizing volunteers.
A community foundation is a permanent philanthropic organization that is established by and for a specific local community. It maintains a pool of endowment funds donated by individuals, families, businesses, and organizations. These funds are professionally invested and used to provide grants that benefit the entire community. By addressing local needs, supporting non-profits, and facilitating long-term charitable giving, a community foundation acts as an important philanthropic resource for its region.
Andrew Williams Jr. is dedicated to delivering sustainable solutions globally and locally through philanthropic endeavors and social impact projects across multiple sectors. As the Creative Producer for various media networks, he recruits citizen journalists worldwide to empower unheard voices. Appointed as an ambassador and cultural diplomat for humanitarian organizations across the world, he works to localize sustainable development goals through community resiliency networks and business support services.
The Great Generation is delivering Project 21Biz, a business-based approach to bring economic & social development to poverty stricken areas. It combines the skills & knowledge of local communities, students and professionals during a two-week on-the-ground consulting project.
Housing situation in Roma settlements in Slovakiahabitatmacedonia
The document discusses the Roma population in Slovakia and a program called YOUR SPIS that aims to improve living conditions for impoverished Roma. Key details include:
- Around 320,000 Roma live in Slovakia, with about half integrated and half living in isolated settlements lacking infrastructure or access to services.
- The YOUR SPIS program supports community organizations, provides services, and has established kindergartens, community centers, and small businesses to help improve conditions for disadvantaged Roma families.
- To be effective, the program recognizes it needs a comprehensive, long-term, and client-centered approach that addresses the complex factors contributing to exclusion and poverty.
Over 1000 participants from various sectors will convene with the aim of accelerating social entrepreneurship and uniting social entrepreneurs with partners to pursue learning, leverage opportunities, and create large-scale social change. The invitation-only event will feature speakers like Kofi Annan and include seminars, discussions, and networking opportunities on topics like advocacy, education, and fundraising, with pricing ranging from $500-2850.
The mission of Project H.O.P.E. is to facilitate partnerships between congregations/community organizations and low-income individuals/families to help them gain dignity and independence. Project H.O.P.E. is a 501(c)(3) non-profit led by CEO Denis Rigdon that provides programs like IDA savings matching, financial education classes, vehicle ownership, and mentoring training to over 700 mentors. Major accomplishments include starting the region's first homeless shelter, acquiring over $2 million in funding, and developing affordable housing and employment programs.
50Naira.org is a nonprofit organization dedicated to community development and individual reintroduction into productive society through personal and environmental improvement. Their mission provides resources to homeless, destitute, beggars, and low-income individuals/families in Lagos and Nigeria to mentor and educate those ready to overcome their current life circumstances. They help vulnerable members of society improve their lives and become independent through volunteering, sponsoring, and donating.
The document discusses the importance of volunteerism for municipal vitality and provides best practices for municipalities to recruit, train, and retain volunteers. It notes that imagining if all volunteers stopped contributing their time and energy shows how vital volunteers are. It recommends that municipalities create a plan to enhance support for volunteerism and acknowledge volunteers. The top 10 best practices include creating inclusion for diverse groups in recruitment, establishing a volunteer management program and advisory committee, partnerships with organizations, training, support services, adopting best practices, and recognizing volunteers.
A community foundation is a permanent philanthropic organization that is established by and for a specific local community. It maintains a pool of endowment funds donated by individuals, families, businesses, and organizations. These funds are professionally invested and used to provide grants that benefit the entire community. By addressing local needs, supporting non-profits, and facilitating long-term charitable giving, a community foundation acts as an important philanthropic resource for its region.
Andrew Williams Jr. is dedicated to delivering sustainable solutions globally and locally through philanthropic endeavors and social impact projects across multiple sectors. As the Creative Producer for various media networks, he recruits citizen journalists worldwide to empower unheard voices. Appointed as an ambassador and cultural diplomat for humanitarian organizations across the world, he works to localize sustainable development goals through community resiliency networks and business support services.
Florida Community Loan Fund celebrates 20 Years of Expertise and Capital to help your project succeed . This brief overview shares our success stories and our new logo.
This document outlines the mission and approach of an organization that aims to end poverty through business. The organization takes a holistic, community-based approach by partnering local institutions with experienced businesspeople to create jobs and economic opportunities. Through mentorship, access to capital, advocacy and training, the organization has helped create over 90,000 jobs across 25 countries. Their vision is to continue expanding this model to new regions and communities with the goal of fulfilling scripture by ending poverty for all people.
The mission of Project H.O.P.E. is to facilitate partnerships between congregations/community organizations and low-income individuals/families to help them gain dignity and independence. Project H.O.P.E. is a 501(c)(3) non-profit led by CEO Denis Rigdon that provides programs like IDA savings matching, financial education classes, vehicle ownership, and mentoring training to over 700 mentors. Major accomplishments include starting the region's first homeless shelter, acquiring over $2 million in funding, and developing affordable housing and employment programs.
Ida tax credit conference 12 07-06 for duplicatorDenis Rigdon
The mission of Project H.O.P.E. is to facilitate partnerships between congregations, community organizations, and low-income individuals to help them gain independence. It is hosting a tax credit conference on December 7th to educate attendees on IDA tax credits, which allow taxpayers to direct their Missouri tax dollars to help qualified employees in their community build assets through an IDA program. The IDA program provides financial education and matches savings for goals like homeownership, education, small business or vehicle purchase. It benefits both the community and employees by providing opportunities for advancement and building stabilizing assets.
The Community Foundation of Muncie and Delaware County, Inc. joins all foundations in celebrating 100th birthday. The first Community Foundation was established in 1914 in Cleveland, OH.
Communications Engagement and Outreach Campaign TristinSapp
This campaign pitch was for a hypothetical Urban Roots location in Atlanta, Georgia. This is part 1 of the project which goes into more detail about the history of the company and the targeted consumers. This project was for my advertising and media planning class.
Investments in Rural America: Impact Investors and Rural Readiness ruralxchange
A webinar from NARP
Speakers:
Amy Domini (Domini Social Investments), David R. Dangler (National Alliance for Rural Policy Network)
This webinar discusses how impact investors view investments, innovative and supportive investments, and community development banks and funds.
The document discusses social enterprises and their role in providing affordable housing. It defines social enterprises as businesses owned by non-profits that generate income and social/environmental value. The Saint John Community Loan Fund's mission is to improve conditions for local residents through promoting entrepreneurship and economic independence. It provides loans, training, housing development, and other services, especially targeting low-income individuals and women. The Loan Fund aims to support social enterprises and innovative solutions to social and economic challenges faced by communities.
Here's a 1-2 minute overview of our current change strategy and our impact at Inspired Legacies. Have you completed your legacy planning? Give us a call if you are a dreammaker or committed to co-creating the future.
Oakville Community Foundation 2016-2018 Strategic Plan SummarySarah McPherson
The Oakville Community Foundation connects philanthropic donors with community needs to make Oakville a better place. It supports individuals and organizations who want to make a positive impact. The Foundation's strategic plan for 2016-2018 focuses on building effective philanthropy, growing stability and funds, improving performance, and increasing community impact. Key goals include facilitating solutions to local issues, reviewing investment practices, and doubling grants to charities.
This document advertises financial benefit check-up services from the Green Pastures Society. It provides contact information for the organization and its founder, and describes the services offered to connect low-income individuals and families to financial supports, solutions, and economic opportunities. Testimonials are given showing thousands of dollars received in benefits by clients who received help from Green Pastures. People are encouraged to get their own financial benefits check-up done by making an appointment with the organization.
This document advertises financial benefit check-up services from the Green Pastures Society. It provides contact information for the organization and its founder, and describes the services offered to connect low-income individuals and families to financial supports, solutions, and economic opportunities. Testimonials are given showing thousands of dollars received in benefits by clients who received help from Green Pastures. People are encouraged to get their own financial benefits check-up done by making an appointment with the organization.
This document advertises financial benefit check-up services from the Green Pastures Society. It provides contact information for the organization and its founder, and describes the services offered to connect low-income individuals and families to financial supports, solutions, and economic opportunities. Testimonials are given showing thousands of dollars received in benefits by clients who received help from Green Pastures. People are encouraged to get their own financial benefits check-up done by making an appointment with the organization.
This document advertises financial benefit check-up services from the Green Pastures Society. It provides contact information for the organization and its founder, and describes the services offered to connect low-income individuals and families to financial supports, solutions, and economic opportunities. Testimonials are given showing thousands of dollars received in benefits by clients who received help from Green Pastures. People are encouraged to get their own financial benefits check-up done by making an appointment with the organization.
Presentation on a strategic approach to developing organizational capacity to help Hurricane Maria evacuees and other disadvantaged individuals and families seeking to improve their quality of life and housing conditions in the Central Florida Region
The document outlines Humboldt Area Foundation's strategic goals for 2020 which include transforming communities' abilities to solve problems, strengthening community capacity, building partnerships, strengthening internal infrastructure, and ensuring sustainable strategy and accountability. It discusses developing leaders, supporting community initiatives, strengthening nonprofits, increasing access to education, and serving as a catalyst for economic development.
The Foundation for Lee County Public Schools is a non-profit organization established in 1986 to enhance the quality of public education in Lee County, Florida. The Foundation recruits and trains volunteers to mentor students, offering two mentoring programs to middle and high school students. Volunteers undergo a background check and training to become mentors, pledging to meet with their student for at least 15 sessions per year. The mentoring programs aim to help students succeed personally and academically, putting them on a path to college or trade school and offering scholarships.
This document provides information about the 2015 Final Showdown event hosted by SVP Fast Pitch Seattle, including:
- An overview of the event which features 14 social venture finalists presenting their ideas in 5 minutes each for a chance to win awards and funding.
- Details about the event schedule, awards offered in different categories totaling over $150,000, and thanking sponsors and partners for their support.
- Background on SVP Fast Pitch Seattle and its mission to support social entrepreneurs and strengthen local nonprofits through funding, coaching, and networking opportunities over the past 5 years.
This is an overview of a non profit international development organization whose vision and approaches resonate with me as someone who is engaged in fieldwork in Colombia.
Navigating Your Financial Future: Comprehensive Planning with Mike Baumannmikebaumannfinancial
Learn how financial planner Mike Baumann helps individuals and families articulate their financial aspirations and develop tailored plans. This presentation delves into budgeting, investment strategies, retirement planning, tax optimization, and the importance of ongoing plan adjustments.
Florida Community Loan Fund celebrates 20 Years of Expertise and Capital to help your project succeed . This brief overview shares our success stories and our new logo.
This document outlines the mission and approach of an organization that aims to end poverty through business. The organization takes a holistic, community-based approach by partnering local institutions with experienced businesspeople to create jobs and economic opportunities. Through mentorship, access to capital, advocacy and training, the organization has helped create over 90,000 jobs across 25 countries. Their vision is to continue expanding this model to new regions and communities with the goal of fulfilling scripture by ending poverty for all people.
The mission of Project H.O.P.E. is to facilitate partnerships between congregations/community organizations and low-income individuals/families to help them gain dignity and independence. Project H.O.P.E. is a 501(c)(3) non-profit led by CEO Denis Rigdon that provides programs like IDA savings matching, financial education classes, vehicle ownership, and mentoring training to over 700 mentors. Major accomplishments include starting the region's first homeless shelter, acquiring over $2 million in funding, and developing affordable housing and employment programs.
Ida tax credit conference 12 07-06 for duplicatorDenis Rigdon
The mission of Project H.O.P.E. is to facilitate partnerships between congregations, community organizations, and low-income individuals to help them gain independence. It is hosting a tax credit conference on December 7th to educate attendees on IDA tax credits, which allow taxpayers to direct their Missouri tax dollars to help qualified employees in their community build assets through an IDA program. The IDA program provides financial education and matches savings for goals like homeownership, education, small business or vehicle purchase. It benefits both the community and employees by providing opportunities for advancement and building stabilizing assets.
The Community Foundation of Muncie and Delaware County, Inc. joins all foundations in celebrating 100th birthday. The first Community Foundation was established in 1914 in Cleveland, OH.
Communications Engagement and Outreach Campaign TristinSapp
This campaign pitch was for a hypothetical Urban Roots location in Atlanta, Georgia. This is part 1 of the project which goes into more detail about the history of the company and the targeted consumers. This project was for my advertising and media planning class.
Investments in Rural America: Impact Investors and Rural Readiness ruralxchange
A webinar from NARP
Speakers:
Amy Domini (Domini Social Investments), David R. Dangler (National Alliance for Rural Policy Network)
This webinar discusses how impact investors view investments, innovative and supportive investments, and community development banks and funds.
The document discusses social enterprises and their role in providing affordable housing. It defines social enterprises as businesses owned by non-profits that generate income and social/environmental value. The Saint John Community Loan Fund's mission is to improve conditions for local residents through promoting entrepreneurship and economic independence. It provides loans, training, housing development, and other services, especially targeting low-income individuals and women. The Loan Fund aims to support social enterprises and innovative solutions to social and economic challenges faced by communities.
Here's a 1-2 minute overview of our current change strategy and our impact at Inspired Legacies. Have you completed your legacy planning? Give us a call if you are a dreammaker or committed to co-creating the future.
Oakville Community Foundation 2016-2018 Strategic Plan SummarySarah McPherson
The Oakville Community Foundation connects philanthropic donors with community needs to make Oakville a better place. It supports individuals and organizations who want to make a positive impact. The Foundation's strategic plan for 2016-2018 focuses on building effective philanthropy, growing stability and funds, improving performance, and increasing community impact. Key goals include facilitating solutions to local issues, reviewing investment practices, and doubling grants to charities.
This document advertises financial benefit check-up services from the Green Pastures Society. It provides contact information for the organization and its founder, and describes the services offered to connect low-income individuals and families to financial supports, solutions, and economic opportunities. Testimonials are given showing thousands of dollars received in benefits by clients who received help from Green Pastures. People are encouraged to get their own financial benefits check-up done by making an appointment with the organization.
This document advertises financial benefit check-up services from the Green Pastures Society. It provides contact information for the organization and its founder, and describes the services offered to connect low-income individuals and families to financial supports, solutions, and economic opportunities. Testimonials are given showing thousands of dollars received in benefits by clients who received help from Green Pastures. People are encouraged to get their own financial benefits check-up done by making an appointment with the organization.
This document advertises financial benefit check-up services from the Green Pastures Society. It provides contact information for the organization and its founder, and describes the services offered to connect low-income individuals and families to financial supports, solutions, and economic opportunities. Testimonials are given showing thousands of dollars received in benefits by clients who received help from Green Pastures. People are encouraged to get their own financial benefits check-up done by making an appointment with the organization.
This document advertises financial benefit check-up services from the Green Pastures Society. It provides contact information for the organization and its founder, and describes the services offered to connect low-income individuals and families to financial supports, solutions, and economic opportunities. Testimonials are given showing thousands of dollars received in benefits by clients who received help from Green Pastures. People are encouraged to get their own financial benefits check-up done by making an appointment with the organization.
Presentation on a strategic approach to developing organizational capacity to help Hurricane Maria evacuees and other disadvantaged individuals and families seeking to improve their quality of life and housing conditions in the Central Florida Region
The document outlines Humboldt Area Foundation's strategic goals for 2020 which include transforming communities' abilities to solve problems, strengthening community capacity, building partnerships, strengthening internal infrastructure, and ensuring sustainable strategy and accountability. It discusses developing leaders, supporting community initiatives, strengthening nonprofits, increasing access to education, and serving as a catalyst for economic development.
The Foundation for Lee County Public Schools is a non-profit organization established in 1986 to enhance the quality of public education in Lee County, Florida. The Foundation recruits and trains volunteers to mentor students, offering two mentoring programs to middle and high school students. Volunteers undergo a background check and training to become mentors, pledging to meet with their student for at least 15 sessions per year. The mentoring programs aim to help students succeed personally and academically, putting them on a path to college or trade school and offering scholarships.
This document provides information about the 2015 Final Showdown event hosted by SVP Fast Pitch Seattle, including:
- An overview of the event which features 14 social venture finalists presenting their ideas in 5 minutes each for a chance to win awards and funding.
- Details about the event schedule, awards offered in different categories totaling over $150,000, and thanking sponsors and partners for their support.
- Background on SVP Fast Pitch Seattle and its mission to support social entrepreneurs and strengthen local nonprofits through funding, coaching, and networking opportunities over the past 5 years.
This is an overview of a non profit international development organization whose vision and approaches resonate with me as someone who is engaged in fieldwork in Colombia.
Similar to FCLF, An Overview and Our Impact in Communities (20)
Navigating Your Financial Future: Comprehensive Planning with Mike Baumannmikebaumannfinancial
Learn how financial planner Mike Baumann helps individuals and families articulate their financial aspirations and develop tailored plans. This presentation delves into budgeting, investment strategies, retirement planning, tax optimization, and the importance of ongoing plan adjustments.
“Amidst Tempered Optimism” Main economic trends in May 2024 based on the results of the New Monthly Enterprises Survey, #NRES
On 12 June 2024 the Institute for Economic Research and Policy Consulting (IER) held an online event “Economic Trends from a Business Perspective (May 2024)”.
During the event, the results of the 25-th monthly survey of business executives “Ukrainian Business during the war”, which was conducted in May 2024, were presented.
The field stage of the 25-th wave lasted from May 20 to May 31, 2024. In May, 532 companies were surveyed.
The enterprise managers compared the work results in May 2024 with April, assessed the indicators at the time of the survey (May 2024), and gave forecasts for the next two, three, or six months, depending on the question. In certain issues (where indicated), the work results were compared with the pre-war period (before February 24, 2022).
✅ More survey results in the presentation.
✅ Video presentation: https://youtu.be/4ZvsSKd1MzE
PFMS, India's Public Financial Management System, revolutionizes fund tracking and distribution, ensuring transparency and efficiency. It enables real-time monitoring, direct benefit transfers, and comprehensive reporting, significantly improving financial management and reducing fraud across government schemes.
Monthly Market Risk Update: June 2024 [SlideShare]Commonwealth
Markets rallied in May, with all three major U.S. equity indices up for the month, said Sam Millette, director of fixed income, in his latest Market Risk Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
Budgeting as a Control Tool in Government Accounting in Nigeria
Being a Paper Presented at the Nigerian Maritime Administration and Safety Agency (NIMASA) Budget Office Staff at Sojourner Hotel, GRA, Ikeja Lagos on Saturday 8th June, 2024.
What Lessons Can New Investors Learn from Newman Leech’s Success?Newman Leech
Newman Leech's success in the real estate industry is based on key lessons and principles, offering practical advice for new investors and serving as a blueprint for building a successful career.
CRYPTOCURRENCY REVOLUTIONIZING THE FINANCIAL LANDSCAPE AND SHAPING THE FUTURE...itsfaizankhan091
Cryptocurrency, a digital or virtual form of currency that uses cryptography for security, has revolutionized the financial landscape. Originating with Bitcoin's inception in 2009 by the pseudonymous Satoshi Nakamoto, cryptocurrencies have grown from niche curiosities to mainstream financial instruments, reshaping how we think about money, transactions, and the global economy.
The birth of Bitcoin marked the beginning of the cryptocurrency era. Unlike traditional currencies issued by governments and controlled by central banks, Bitcoin operates on a decentralized network using blockchain technology. This technology ensures transparency, security, and immutability of transactions, fundamentally challenging the centralized financial systems that have dominated for centuries.
Bitcoin was conceived as a peer-to-peer electronic cash system, aimed at providing an alternative to the traditional banking system plagued by inefficiencies, high fees, and lack of transparency. The underlying blockchain technology, a distributed ledger maintained by a network of nodes, ensures that every transaction is recorded and cannot be altered, thus providing a secure and transparent financial system.
June 20, 2024
CRYPTOCURRENCY: REVOLUTIONIZING THE FINANCIAL LANDSCAPE AND SHAPING THE FUTURE
Cryptocurrency: Revolutionizing the Financial Landscape and Shaping the Future
Cryptocurrency, a digital or virtual form of currency that uses cryptography for security, has revolutionized the financial landscape. Originating with Bitcoin's inception in 2009 by the pseudonymous Satoshi Nakamoto, cryptocurrencies have grown from niche curiosities to mainstream financial instruments, reshaping how we think about money, transactions, and the global economy.
#### The Genesis of Cryptocurrency
The birth of Bitcoin marked the beginning of the cryptocurrency era. Unlike traditional currencies issued by governments and controlled by central banks, Bitcoin operates on a decentralized network using blockchain technology. This technology ensures transparency, security, and immutability of transactions, fundamentally challenging the centralized financial systems that have dominated for centuries.
Bitcoin was conceived as a peer-to-peer electronic cash system, aimed at providing an alternative to the traditional banking system plagued by inefficiencies, high fees, and lack of transparency. The underlying blockchain technology, a distributed ledger maintained by a network of nodes, ensures that every transaction is recorded and cannot be altered, thus providing a secure and transparent financial system.
#### The Proliferation of Altcoins
Following Bitcoin's success, thousands of alternative cryptocurrencies, or altcoins, have emerged. Each of these altcoins aims to improve upon Bitcoin or serve specific purposes within the digital economy. Notable examples include Ethereum, which introduced smart contracts – self-executing contracts with the terms of the agreement
CRYPTOCURRENCY REVOLUTIONIZING THE FINANCIAL LANDSCAPE AND SHAPING THE FUTURE...
FCLF, An Overview and Our Impact in Communities
1.
2. CORE PURPOSE: FCLF exists to maximize opportunities for
people and places outside the economic mainstream.
MISSION: Our expertise and capital make projects successful
and help organizations improve lives and communities.
VISION: Opportunity and dignity exist for every person and
community in Florida.
STATEWIDE
CDFI
federally certified
Community Development
Financial Institution
SINCE
1994
founded by community leaders to
provide flexible financing for
development in Florida’s
low-income communities
5. 6,288 HOUSING UNITS
161 FACILITIES, 2.5 million sq ft
16,252 JOBS created or retained
546,000+ FLORIDIANS
receive social services every year
cumulative through 12/31/2020
OUR IMPACT
6. www.FCLF.org
800 N MAGNOLIA AVE • SUITE 106
ORLANDO FL 32803
407.246.0846
SERVING FLORIDA FROM OFFICES IN
ORLANDO • TAMPA • SARASOTA
MELBOURNE • FORT LAUDERDALE