This document discusses Individual Development Accounts (IDAs) and the Oregon IDA Initiative. It begins by explaining what IDAs are, which are matched savings accounts that help low-income individuals save for assets like homeownership, education, or starting a business. It then describes the Oregon IDA Initiative, a state program that has partnered with organizations since 1999 to provide IDAs and financial education. Evaluation findings show graduates of the program have higher savings rates, improved credit scores, and feel more financially secure compared to non-completers. The document concludes by discussing the initiative's impacts and future plans to expand eligible asset purchases.
Communicating the importance of housing to and in our communities is key to our success as advocates. The Housing Alliance and local and national partners have worked hard to develop communications skills, techniques, and common messages. Come hear the latest in our thinking about what works, how to inspire passion for housing opportunity, how to elevate diverse voices, and our tools and plans for helping you be the strongest possible advocates for housing.
Michael Anderson, National Housing Trust Fund Project, Center for Community Change
Jes Larson, Director, Welcome Home Coalition
Jill Winsor, Neighborhood Partnerships
Matt Kinshella, Neighborhood Partnerships
Lending Circles demonstrate the ingenuity and resilience of communities that are outside of mainstream banking. Lending Circles have long been used in different communities across the world as an alternative way to support savings or provide an emergency reserve to meet community needs. Here in the US, lending circles are beginning to receive more and more attention as a tool that works for a range of communities. Join us to learn how Lending Circles work and hear from organizations in the Pacific Northwest that have started Lending Circles.
Mohan Kanungo, Mission Assets Fund
Gabriel Muro, The Next Door
Moderator: Lynne McConnell, Neighbor Impact
CSAs – Join the Campaign to Create a State Mechanism for Children’s Savings A...NeighborhoodPartnerships
Across the country, the asset building community is abuzz with excitement about Children’s Savings Accounts (CSAs). CSAs provide an opportunity for communities to invest early in the futures of their children by opening a savings account for each child. Evidence is mounting that CSAs are a powerful tool to increase early academic success, success in college and create lifetime savings habits. Oregon communities need a tool like this. Come join our effort to build a legislative campaign in 2017 to increase opportunity for Oregon’s children.
Jill Winsor, Neighborhood Partnerships
Elena Fracchia, United Way of Lane County
Nancy Yuill, Innovative Changes
The free Your Money Your Goals (YMYG) Toolkit designed by the Consumer Financial Protection Bureau (CFPB) makes it easy and customizable to set client financial goals, choose financial products and build money management skills for social service providers who aren’t experienced with such things. Neighborhood Partnerships is part of a team charged with getting the toolkit in the hands of more Oregonians.
The Community Foundation for Palm Beach and Martin Counties, in partnership with Allegany Franciscan Ministries, conducted the 2nd Annual Nonprofit Survey to gather data regarding the needs in the community, the state of nonprofits and how best funders could be of assistance. Respondents were asked about their current challenges, the impact the economic downturn has had on the services they offer and their most pressing funding needs. Here are the overall results. A recording of a webinar that corresponds with this presentation is also available at www.yourcommunityfoundation.org/economy.
Communicating the importance of housing to and in our communities is key to our success as advocates. The Housing Alliance and local and national partners have worked hard to develop communications skills, techniques, and common messages. Come hear the latest in our thinking about what works, how to inspire passion for housing opportunity, how to elevate diverse voices, and our tools and plans for helping you be the strongest possible advocates for housing.
Michael Anderson, National Housing Trust Fund Project, Center for Community Change
Jes Larson, Director, Welcome Home Coalition
Jill Winsor, Neighborhood Partnerships
Matt Kinshella, Neighborhood Partnerships
Lending Circles demonstrate the ingenuity and resilience of communities that are outside of mainstream banking. Lending Circles have long been used in different communities across the world as an alternative way to support savings or provide an emergency reserve to meet community needs. Here in the US, lending circles are beginning to receive more and more attention as a tool that works for a range of communities. Join us to learn how Lending Circles work and hear from organizations in the Pacific Northwest that have started Lending Circles.
Mohan Kanungo, Mission Assets Fund
Gabriel Muro, The Next Door
Moderator: Lynne McConnell, Neighbor Impact
CSAs – Join the Campaign to Create a State Mechanism for Children’s Savings A...NeighborhoodPartnerships
Across the country, the asset building community is abuzz with excitement about Children’s Savings Accounts (CSAs). CSAs provide an opportunity for communities to invest early in the futures of their children by opening a savings account for each child. Evidence is mounting that CSAs are a powerful tool to increase early academic success, success in college and create lifetime savings habits. Oregon communities need a tool like this. Come join our effort to build a legislative campaign in 2017 to increase opportunity for Oregon’s children.
Jill Winsor, Neighborhood Partnerships
Elena Fracchia, United Way of Lane County
Nancy Yuill, Innovative Changes
The free Your Money Your Goals (YMYG) Toolkit designed by the Consumer Financial Protection Bureau (CFPB) makes it easy and customizable to set client financial goals, choose financial products and build money management skills for social service providers who aren’t experienced with such things. Neighborhood Partnerships is part of a team charged with getting the toolkit in the hands of more Oregonians.
The Community Foundation for Palm Beach and Martin Counties, in partnership with Allegany Franciscan Ministries, conducted the 2nd Annual Nonprofit Survey to gather data regarding the needs in the community, the state of nonprofits and how best funders could be of assistance. Respondents were asked about their current challenges, the impact the economic downturn has had on the services they offer and their most pressing funding needs. Here are the overall results. A recording of a webinar that corresponds with this presentation is also available at www.yourcommunityfoundation.org/economy.
Asset building is a powerful tool that allows people to pursue their dreams, push past generational poverty and create economic security for their families. Yet for many taking that first step toward building a financial foundation is simply out of the question. What if there was a way for everyone to help support those first steps? We believe there is! No matter what your client base is, or what kind of interface you have with clients, this session will explore opportunities for starting conversations that can impact our client’s long term financial success – the gateway conversations that will open the door to prosperity. We will explore tools and resources such as Your Money Your Goals, the CFED Integrating Financial Capability Toolkit and Bank On Oregon that help support clients in finding their path toward financial resilience.
Elena Fracchia, United Way of Lane County
Lynne McConnell, NeighborImpact
There are 80 million millennials in America alone and they represent about a fourth of the entire population. They
owe a lot but know too little about finance.
Presentation slides for week 3 of the San Diego Microfinance 101 course at Point Loma Nazarene University. Presentations by International Rescue Committee, CDC Small Business Finance, and ACCION San Diego
Beyond income: The Pandora's box of agency and what it really meansCGIAR
This presentation was given by Minal Cabraal (The Palladium Group), as part of the Annual Scientific Conference hosted by the University of Canberra and co-sponsored by the University of Canberra, the Australian Centre for International Agricultural Research (ACIAR) and CGIAR Collaborative Platform for Gender Research. The event took place on April 2-4, 2019 in Canberra, Australia.
Read more: https://www.canberra.edu.au/research/faculty-research-centres/aisc/seeds-of-change and https://gender.cgiar.org/annual-conference-2019/
Regulatory requirements for improving access to housing are powerful tools for removing barriers to housing choice and increasing housing opportunities. Local, state and federal laws can help you address unreasonable barriers put in place by neighbors or advocate for inclusive housing through planning and land use processes. The new affirmatively furthering fair housing rules at US Department of Housing and Urban Development will shape housing options for years to come. This session will provide an overview of applicable regulatory tools and practical discussion of how to apply them
Margaret Solle Salazar, Portland Field Office Director, US Dept of Housing and Urban Development
Pam Phan, 1000 Friends of Oregon and Anti-Displacement PDX
Martha McLennan, Executive Director, Northwest Housing Alternatives
Oregon communities across the state are resilient, innovative and tough. Many communities, especially communities of color, face incredible barriers to opportunity, barriers that limit their ability to grow assets and build wealth. Join us to learn about work being done within communities of color in Oregon to remove barriers to asset building and create more equitable outcomes.
Katie Sawicki, Urban League of Portland
Andrea Paluso, Family Forward Oregon
Moderator: Janet Byrd, Neighborhood Partnerships
Asset building is a powerful tool that allows people to pursue their dreams, push past generational poverty and create economic security for their families. Yet for many taking that first step toward building a financial foundation is simply out of the question. What if there was a way for everyone to help support those first steps? We believe there is! No matter what your client base is, or what kind of interface you have with clients, this session will explore opportunities for starting conversations that can impact our client’s long term financial success – the gateway conversations that will open the door to prosperity. We will explore tools and resources such as Your Money Your Goals, the CFED Integrating Financial Capability Toolkit and Bank On Oregon that help support clients in finding their path toward financial resilience.
Elena Fracchia, United Way of Lane County
Lynne McConnell, NeighborImpact
There are 80 million millennials in America alone and they represent about a fourth of the entire population. They
owe a lot but know too little about finance.
Presentation slides for week 3 of the San Diego Microfinance 101 course at Point Loma Nazarene University. Presentations by International Rescue Committee, CDC Small Business Finance, and ACCION San Diego
Beyond income: The Pandora's box of agency and what it really meansCGIAR
This presentation was given by Minal Cabraal (The Palladium Group), as part of the Annual Scientific Conference hosted by the University of Canberra and co-sponsored by the University of Canberra, the Australian Centre for International Agricultural Research (ACIAR) and CGIAR Collaborative Platform for Gender Research. The event took place on April 2-4, 2019 in Canberra, Australia.
Read more: https://www.canberra.edu.au/research/faculty-research-centres/aisc/seeds-of-change and https://gender.cgiar.org/annual-conference-2019/
Regulatory requirements for improving access to housing are powerful tools for removing barriers to housing choice and increasing housing opportunities. Local, state and federal laws can help you address unreasonable barriers put in place by neighbors or advocate for inclusive housing through planning and land use processes. The new affirmatively furthering fair housing rules at US Department of Housing and Urban Development will shape housing options for years to come. This session will provide an overview of applicable regulatory tools and practical discussion of how to apply them
Margaret Solle Salazar, Portland Field Office Director, US Dept of Housing and Urban Development
Pam Phan, 1000 Friends of Oregon and Anti-Displacement PDX
Martha McLennan, Executive Director, Northwest Housing Alternatives
Oregon communities across the state are resilient, innovative and tough. Many communities, especially communities of color, face incredible barriers to opportunity, barriers that limit their ability to grow assets and build wealth. Join us to learn about work being done within communities of color in Oregon to remove barriers to asset building and create more equitable outcomes.
Katie Sawicki, Urban League of Portland
Andrea Paluso, Family Forward Oregon
Moderator: Janet Byrd, Neighborhood Partnerships
“Housing First” models offer great hope for housing individuals and households who face significant barriers to housing. Oregon has been a leader in this work, but more needs to be done in every community, and we need opportunities to learn from one another. Join us as we hear about and map examples of work being done now in Oregon to move this approach forward.
Bill Hall, Commissioner, Lincoln County
Kenny La Point, Systems Integrator, Oregon Housing and Community Services
Marc Jolin, Director, A Home for Everyone
Heather Lyons, Corporation for Supportive Housing
Oregon’s economy is both booming and struggling, and the pressure is on for housing markets across the state. The problem shows up as a lack of housing stock, high rents, unaffordable homeownership, sub-standard housing quality. People with low incomes, people experiencing a disability, and especially people of color experience the greatest barriers to housing opportunity. Hear what the data says about growing wealth disparity and housing opportunity gaps, and add your voice to this discussion about what housing needs are in your community. How does data drive policy change and greater inclusion?
Megan Bolton, Research Analyst, Oregon Housing and Community Services
Katie Sawicki, Policy Director, Urban League of Portland
Stephanie Jennings, Grants Manager, Community Development, City of Eugene
What’s working? Strategies to create inclusive communities, mitigate and reve...NeighborhoodPartnerships
Working to address and mitigate barriers to housing opportunity requires passion, creativity and a clear vision of how prosperous, equitable communities work. Community-based organizations are innovating approaches to mitigating residential displacement, inclusive anti-poverty strategies, and creating successful pathways to homeownership for those who experience the greatest barriers to this core asset building step. Learn from leaders from across the state what new strategies are working, how community engagement supports self-determination, and how funding is being secured for these innovations in creating inclusive and prosperous communities.
Moderator: Roberto Jiménez , Farmworker Housing Development Corporation
Travis Phillips, Pathways 1000 Plan, Portland Community Reinvestment Initiatives (PCR!)
Jen Matheson, Northwest Health Foundation
Amy Cubbage, Habitat for Humanity Mid-Willamette Valley
Consumer Protection Listening Session: How Can You Protect Your Clients From ...NeighborhoodPartnerships
Sometimes the field of Consumer Protection feels like whack-a-mole. It seems like every day a new scam pops up to entrap our community members. What consumer protection issues are your clients facing? This session offers a chance for you to share your concerns and hear from your colleagues. Experts in the field will offer resources and tools to help keep your clients safe. We will also explore policy solutions to change the landscape of Consumer Protection in Oregon.
Diane Childs, Oregon Department of Consumer and Business Services
Jonathan Groux, Consumer Protection Section of the Oregon Department of Justice
Moderator: Sybil Hebb, Oregon Law Center
Supersize that IDA: How enhancing your programs with credit building can achi...NeighborhoodPartnerships
Credit building accelerates asset building. Participants in this session will learn the value of credit building as an asset building strategy and an opportunity for strengthening your clients’ financial capabilities. Participants will learn about what credit building is and basic considerations for integrating credit building into your programs. We will explore credit building innovations including a pilot program here in Oregon that helps clients automatically build credit while fulfilling their IDA savings plan.
Sarah Chenven, Credit Builders Alliance
Nancy Yuill, Innovative Changes
Building housing that will remain affordable for years to come is a complex undertaking. It can also be expensive. How do we talk and think about cost comparisons, cost containment, and new approaches? What has recent analysis taught us about costs and alternative development models? We’ll get a preview of the work that’s still ahead to reach agreement on priorities and to communicate well about the tradeoffs and choices we make.
Margaret Van Vliet, Director, Oregon Housing and Community Services
Michael Parkhurst, Affordable Housing Initiative Program Officer. Meyer Memorial Trust
Lori Coyner (State Medicaid Director, Oregon Health Authority), Rachel Port (Public Policy Director, Central City Concern), Leslie Neugebauer (Director of Central Oregon Coordinated Care Organization, PacificSource), Pam Hester (Health and Housing Manager, CareOregon), and Josh Balloch (VP of Government Affairs and Health Policy, AllCare) present on Health as Housing at Neighborhood Partnerships' 2016 RE:Conference
Kevin Jeffries, Consumer Liaison, Oregon Department of Consumer and Business ...NeighborhoodPartnerships
Kevin Jeffies of the Oregon Department of Consumer and Business Services presents on financial fraud and scam prevention at Neighborhood Partnerships' 2016 RE:Conference
Cupid Alexander, Housing Program Specialist, Portland Housing Bureau, How We ...NeighborhoodPartnerships
Cupid Alexander, of the Portland Housing Bureau, presents on how local governments can generate housing resources at Neighborhood Partnerships' 2016 RE:Conference
Laura Choi, Senior Research Associate – Community Development, Federal Reserv...NeighborhoodPartnerships
Laura Choi of the Federal Reserve Bank of San Francisco presents on Strengthening the Financial Future in Oregon at Neighborhood Partnerships' 2016 RE:Conference
Accion is a nationwide nonprofit microlender that empowers low- to moderate-income business owners that have limited or no access to bank financing. By serving entrepreneurs through microloans, Accion helps to establish or improve their credit, opening the doors to more financing options in the future.
A brief introduction to writing great grant applications and finding funding sources that fit your not-for-profit's project goals. This presentation was delivered at the Kin Canada National Convention on August 17, 2012 and draws on resources shared by the Brant-Haldimand-Norfolk Funders Network partners.
We are providing the assignment help for all the subjects Globally. Our task specialists realize the fear that you experience when it comes to your Assignment Help For All Subjects. We providing solutions, PPTs, excel sheets and many more.
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Do You Really Understand Diversity And Inclusion?Roman 3
The need to strengthen workplace Diversity, Equity, and Inclusion (DEI) is front of mind in virtually all corners of our society. Today’s leader knows that making their workplace welcoming and diverse is not just right, it is good for business.
This new outlook has also created new challenges. Knowing the importance is not enough. We need to know how to bring Diversity, Equity, and Inclusion into the workplace in a meaningful way.
The reality is, most leaders are not sure where the path to a more diverse, equitable, and inclusive workplace starts. Do we start with recruitment strategies? Do we invest in equitable accommodations right out of the gate? Or do we work on trying to be more inclusive in our day to day?
Where we decide to start has a lot to do with our organization's priorities, especially when it comes to talent attraction. Is representation our biggest priority? Or is it equitable and fair company policies? Is making our current and future employees feel welcomed and heard our biggest priority? Where we start and how we implement DEI will have a large impact on how successful we are in attracting and retaining talent.
Stanford CS 007-01 (2021): Personal Finance for Engineers / IntroductionAdam Nash
These are the slides from the 1st session of the Stanford University class, CS 007 "Personal Finance for Engineers" given on September 21, 2021. This seminar covers a survey of the students enrolled in the course, with an overview of the topics to be covered over the course of the series.
Gen Y ROI - Credit Union Strategies that WorkJoshua Jones
Credit union executives understand gaining young adult membership is key to the sustainability of credit unions. However, recent statistics from CUNA's 2009-2010 CU Environmental Scan show that credit unions continue to struggle in this area. Who is having success attracting and serving young adults? What's working, why, and how are these credit unions bucking the trend?
This presentaion:
- Ties the needs of a generation to products and services
- Provides examples of credit union strategies that work
This presentation was delivered during CUNA's 2009 Community Credit Union and Growth Conference.
HBS Field Y: Fundraising 101 - Feb 2019David Chang
For this semester's HBS Field Y class, we’ll cover the basics of raising money from angel investors and VCs, walk through a 5-step “how-to” series of tactics, talk about the unique perspective of student entrepreneurs, and finish with pitch tips.
Stanford CS 007-01: Personal Finance for Engineers / IntroductionAdam Nash
These are the slides from the 1st session of the Stanford University class, CS 007 "Personal Finance for Engineers" given on September 26, 2017. This seminar covers a survey of the students enrolled in the course, with an overview of the topics to be covered over the course of the series.
Donor Retention Education with Wayne Robbins - BloomerangBloomerang
https://bloomerang.co/retention
This session explores the Fundraising Effectiveness Project report commissioned by AFP and the Urban Institute. The dismal news in this report can and should be an eye opener for every nonprofit engaged in fundraising.
We will focus on the root causes of poor retention rates, and offer tips for improvement based on the principles of Dr. Adrian Sargeant and Tom Ahern: two world-renowned authorities on building donor loyalty. Sargeant and Ahern’s principles are based upon years of research conducted in the sector and can be used by any organization, whether you are a one-person shop or a large department. We will show examples of their principles in action. The results can be astounding when put into daily use!
Learning Outcomes:
- Be familiar with current research on donor retention and how an increase or decrease can impact your bottom line
- Understand how to calculate your donor retention rate
- Learn new donor communications techniques in order to improve donor loyalty and retention
Understanding the Challenges of Street ChildrenSERUDS INDIA
By raising awareness, providing support, advocating for change, and offering assistance to children in need, individuals can play a crucial role in improving the lives of street children and helping them realize their full potential
Donate Us
https://serudsindia.org/how-individuals-can-support-street-children-in-india/
#donatefororphan, #donateforhomelesschildren, #childeducation, #ngochildeducation, #donateforeducation, #donationforchildeducation, #sponsorforpoorchild, #sponsororphanage #sponsororphanchild, #donation, #education, #charity, #educationforchild, #seruds, #kurnool, #joyhome
Many ways to support street children.pptxSERUDS INDIA
By raising awareness, providing support, advocating for change, and offering assistance to children in need, individuals can play a crucial role in improving the lives of street children and helping them realize their full potential
Donate Us
https://serudsindia.org/how-individuals-can-support-street-children-in-india/
#donatefororphan, #donateforhomelesschildren, #childeducation, #ngochildeducation, #donateforeducation, #donationforchildeducation, #sponsorforpoorchild, #sponsororphanage #sponsororphanchild, #donation, #education, #charity, #educationforchild, #seruds, #kurnool, #joyhome
Jennifer Schaus and Associates hosts a complimentary webinar series on The FAR in 2024. Join the webinars on Wednesdays and Fridays at noon, eastern.
Recordings are on YouTube and the company website.
https://www.youtube.com/@jenniferschaus/videos
This session provides a comprehensive overview of the latest updates to the Uniform Administrative Requirements, Cost Principles, and Audit Requirements for Federal Awards (commonly known as the Uniform Guidance) outlined in the 2 CFR 200.
With a focus on the 2024 revisions issued by the Office of Management and Budget (OMB), participants will gain insight into the key changes affecting federal grant recipients. The session will delve into critical regulatory updates, providing attendees with the knowledge and tools necessary to navigate and comply with the evolving landscape of federal grant management.
Learning Objectives:
- Understand the rationale behind the 2024 updates to the Uniform Guidance outlined in 2 CFR 200, and their implications for federal grant recipients.
- Identify the key changes and revisions introduced by the Office of Management and Budget (OMB) in the 2024 edition of 2 CFR 200.
- Gain proficiency in applying the updated regulations to ensure compliance with federal grant requirements and avoid potential audit findings.
- Develop strategies for effectively implementing the new guidelines within the grant management processes of their respective organizations, fostering efficiency and accountability in federal grant administration.
Presentation by Jared Jageler, David Adler, Noelia Duchovny, and Evan Herrnstadt, analysts in CBO’s Microeconomic Studies and Health Analysis Divisions, at the Association of Environmental and Resource Economists Summer Conference.
A process server is a authorized person for delivering legal documents, such as summons, complaints, subpoenas, and other court papers, to peoples involved in legal proceedings.
Jennifer Schaus and Associates hosts a complimentary webinar series on The FAR in 2024. Join the webinars on Wednesdays and Fridays at noon, eastern.
Recordings are on YouTube and the company website.
https://www.youtube.com/@jenniferschaus/videos
ZGB - The Role of Generative AI in Government transformation.pdfSaeed Al Dhaheri
This keynote was presented during the the 7th edition of the UAE Hackathon 2024. It highlights the role of AI and Generative AI in addressing government transformation to achieve zero government bureaucracy
Russian anarchist and anti-war movement in the third year of full-scale warAntti Rautiainen
Anarchist group ANA Regensburg hosted my online-presentation on 16th of May 2024, in which I discussed tactics of anti-war activism in Russia, and reasons why the anti-war movement has not been able to make an impact to change the course of events yet. Cases of anarchists repressed for anti-war activities are presented, as well as strategies of support for political prisoners, and modest successes in supporting their struggles.
Thumbnail picture is by MediaZona, you may read their report on anti-war arson attacks in Russia here: https://en.zona.media/article/2022/10/13/burn-map
Links:
Autonomous Action
http://Avtonom.org
Anarchist Black Cross Moscow
http://Avtonom.org/abc
Solidarity Zone
https://t.me/solidarity_zone
Memorial
https://memopzk.org/, https://t.me/pzk_memorial
OVD-Info
https://en.ovdinfo.org/antiwar-ovd-info-guide
RosUznik
https://rosuznik.org/
Uznik Online
http://uznikonline.tilda.ws/
Russian Reader
https://therussianreader.com/
ABC Irkutsk
https://abc38.noblogs.org/
Send mail to prisoners from abroad:
http://Prisonmail.online
YouTube: https://youtu.be/c5nSOdU48O8
Spotify: https://podcasters.spotify.com/pod/show/libertarianlifecoach/episodes/Russian-anarchist-and-anti-war-movement-in-the-third-year-of-full-scale-war-e2k8ai4
2. www.oregonidainitiative.org
Why IDAs?
What are IDAs?
What is the Oregon IDA Initiative?
• History & Structure
• Funding – State Tax Credit
• Impact and Evaluation
How do I connect with the Oregon IDA Initiative?
What’s next for Oregon IDAs?
Presentation Overview
IDAs = Individual Development Accounts
9. www.oregonidainitiative.org
What are IDAs? –
Account Requirements
IDAs = Individual Development Accounts
6 month minimum
Minimum deposit of $25/monthly
Maximum match available $3000/year
Financial and Asset Specific Education
Personal Development Plan
10. www.oregonidainitiative.org
Who qualifies for a state IDA?
Oregon Resident
At least 12 years old
Within Income Limits by County
•2015 Multnomah County = $41,200 for 1 person
Net Worth less than $20,000
Commit to:
•6 months minimum saving, $25 min/month, fin. ed.
and asset specific ed., other program requirements.
IDAs = Individual Development Accounts
18. www.oregonidainitiative.org
Donors = Individuals and Businesses
Up to 70 cents on every dollar
donated
• $10,000 donation = $7,000 tax credit
$7.5 million in state expenditure
available annually
Oregon IDA Tax Credit
Overview
19. 0%
10%
20%
30%
40%
50%
60%
70%
Use budget Know credit
score
Keep
emergency
fund
Deposit to
savings acct
Deposit to
retirement acct
Graduates Non-completers
One year after exit, more graduates report
practicing good financial habits ‘often’ than
participants who did not complete their IDA.
In both groups, a minority report that they make
deposits into a savings account 'often'.
20. www.oregonidainitiative.org
Survey respondents said:
Concrete impact:
“I have a house!”
“It helped me start my business…has brought me the most financial
stability I’ve ever had.”
“I am no longer in debt and my credit score significantly increased”
Changed behaviors:
“I now have a little nest egg for when things in life accidentally happen.
I feel more secure about my future and don't worry as much about
money ”
“I learned I can save, create goals, and make them happen.”
OREGON IDA INITIATIVE’S IMPACTS:
PSU’S REGIONAL RESEARCH INSTITUTE
EVALUATION
21. www.oregonidainitiative.org
Longer term impacts
“…realizing the impact that even saving $20/month can have
over time. I have gained the confidence, courage to branch
out.”
“My house helps me become a better neighbor and creates a
legacy for me to pass on generationally”
“I am thrilled to have earned my master's degree, which has
afforded me greater self-esteem and provided a good role
model for my daughter.”
OREGON IDA INITIATIVE’S IMPACTS:
PSU’S REGIONAL RESEARCH INSTITUTE
EVALUATION
24. www.oregonidainitiative.org
What’s next?
Data Roadshows - https://oregonidainitiative.org/roadshow/
New Tax Credit Mechanism
Expansion to Allowable Asset Purchases:
Rental of a primary residence*
Hiring employees
Purchase of Automobile
Retirement Savings
Credit as Asset
Innovation, evolution, and linkages
25. www.oregonidainitiative.org
Jessica Junke, Director of Economic Opportunity
Oregon IDA Initiative
Neighborhood Partnerships
(503) 226-3001 ext. 109
jjunke@neighborhoodpartnerships.org
www.oregonidainitiative.org
www.neighborhoodpartnerships.org
Editor's Notes
If don’t get through the program, if don’t have an asset, appear to be less likely to be engaging in these habits.
Currently do not ask non-completers at the time of exit how often they do these, or to reflect on how often they did them before.
Talk about ripple effects PSU has seen in evaluation of Initiative:
“The ‘ripple effects’ we found in participants’ responses to survey items and in the stories they shared reflect the broader and more far-reaching results for individuals, families, and communities. These effects speak to the importance of Oregon’s continued investment and the potential for the IDA Initiative to strengthen Oregon’s economy.”