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.
A short 5-minute presentation on how microfinancing is bringing people out of poverty in the developing world, using Kiva as a case study, written for Ignite Liverpool 15, 15th August 2013
A short 5-minute presentation on how microfinancing is bringing people out of poverty in the developing world, using Kiva as a case study, written for Ignite Liverpool 15, 15th August 2013
What if & Why Not - MCUL AC&E PresentationKevin O'Connor
When credit unions and community partners dream and work together the impact is powerful. An inspiring example is the partnership between Diversified Members Credit Union and Grow Eastern Market who are utilizing the help of a Michigan Credit Union Foundation (MCUF) grant to remove barriers and create opportunities for emerging businesses while increasing healthy food access to schools and families in Detroit.
Dakotafire Media: Sparking Rural Revival, One Story at a Timeruralxchange
RPLI 2013 - Dallas, TX
Dakotafire Media: Sparking Rural Revival, One Story at a Time
Heidi Marttila-Losure, Editor and Program Administrator, Dakotafire Media
What if & Why Not - MCUL AC&E PresentationKevin O'Connor
When credit unions and community partners dream and work together the impact is powerful. An inspiring example is the partnership between Diversified Members Credit Union and Grow Eastern Market who are utilizing the help of a Michigan Credit Union Foundation (MCUF) grant to remove barriers and create opportunities for emerging businesses while increasing healthy food access to schools and families in Detroit.
Dakotafire Media: Sparking Rural Revival, One Story at a Timeruralxchange
RPLI 2013 - Dallas, TX
Dakotafire Media: Sparking Rural Revival, One Story at a Time
Heidi Marttila-Losure, Editor and Program Administrator, Dakotafire Media
This slides are from a March 27, 2014 webinar from the National Alliance of Rural Policy and the Housing Assistance Council.
This webinar will include a brief overview of the housing programs administered by the U.S. Department of Agriculture to assist lower income rural homebuyers, homeowners, and renters. Presenters will cover the funding outlook for the year and other issues. Can USDA continue to serve the lowest income rural residents? Can affordable rural rental housing be preserved? What is the definition of rural for USDA housing programs? And why are these programs at the Department of Agriculture at all?
Presenters: Joe Belden and Leslie Strauss, Housing Assistance Council
Creative Thinking about Developing Rural Food Systemsruralxchange
A May 8, 2014 webinar from the National Alliance for Rural Policy with speakers:
Janet Kagan, Director, Art-Force Inc.
Adele Phillips, Center for Rural Affairs: Program associate, Rural Opportunities and Stewardship Program
Veronica Erenberg, Center for Rural Affairs: Community Foods Specialist, Rural Opportunities and Stewardship Program
For more information, see www.ruralxchange.net/webinars
A collection of slides from participants in "Cross Currents: Art + Agriculture Powering Rural Economies" showing projects in economic development, public art, agriculture, or ways in which communities are striving to thrive.
Sustainable Rural Development Funding: Lessons from the Field ruralxchange
A webinar from NARP
Presented by Don Macke (RUPRI Center for Rural Entrepreneurship), David Dangler (National Alliance for Rural Policy Network)
The funding environment for rural development is changing dramatically and Don will share the Center's experience with robust and sustainable funding strategies. He will weave three stories from the field that illustrate a new framework for visioning, designing and executing capitalization game plans in support of regional rural development. Don will then summarize the key building blocks of robust and sustainable funding in the Post-Great Recession environment. There will be time allocated during the webinar for discussion and questions.
Neighborhood Trusts: Investing ARPA funds to build community wealth and equityJessicaDavid31
Local Return endorses the proposal included in the Rhode Island Foundation's Make It Happen recommendations to invest $50 million in neighborhood trusts. These trusts would be created by the communities most hurt by COVID-19 and generations of disinvestment.
This document is enhanced content for "Community Development Corporations Embrace Historic Rehabs" by Melissa Jest in the Fall 2014 Forum Journal ('Get Real About Real Estate'). To learn more about Preservation Leadership Forum and how you can become a member visit: http://www.preservationnation.org/forum
Capital Impact Co-op Innovation Award Webinar 2020capitalimpact
Capital Impact Partners created the Co-op Innovation Award Co-op Innovation Award to expand the power of cooperative development, empowering organizations to increase economic opportunity for the communities that they serve. This is an informational slideshow for organizations and cooperatives interested in applying for the award to learn more.
This is the second session in the Community Matters webinar series. It features experts from the Casey and Calvert foundation discussing innovative ways organizations and individuals can invest in the transformation of a community.
This document brings together a set
of latest data points and publicly
available information relevant for
Banking Industry. We are very
excited to share this content and
believe that readers will benefit from
this periodic publication immensely.
Building and evaluating a community-based, immersion rural health experienceruralxchange
A presentation at the 37th Annual Rural Health Conference by:
- Michael Glasser, PhD, University of Illinois College of Medicine, National Center for Rural Health Professions Evaluation and Research assistant dean
- Kelli Hill, Hamilton Memorial Hospital SEIgrow coordinator
- Martin MacDowell, DrPH, University of Illinois National Center for Rural Health Professions associate professor; Health Professions Education associate director
- Vicki Weidenbacher-Hoper, University of Illinois National Center for Rural Health Professions assistant director
A Connected Center: Bringing Communities Onlineruralxchange
A digital advocacy webinar featuring:
- Matthew Fluharty, Director, The Art of the Rural
- Rita O'Connell, Communications Director, Taos Health Systems, Inc.
- Joyce Hospodar, Manager, Health Systems Development, Center for Rural Health, Zuckerman College of Public Health, University of Arizona
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
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how can I sell my pi coins for cash in a pi APPDOT TECH
You can't sell your pi coins in the pi network app. because it is not listed yet on any exchange.
The only way you can sell is by trading your pi coins with an investor (a person looking forward to hold massive amounts of pi coins before mainnet launch) .
You don't need to meet the investor directly all the trades are done with a pi vendor/merchant (a person that buys the pi coins from miners and resell it to investors)
I Will leave The telegram contact of my personal pi vendor, if you are finding a legitimate one.
@Pi_vendor_247
#pi network
#pi coins
#money
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
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what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
Investments in Rural America: Impact Investors and Rural Readiness
1. Investments in Rural America: Impact
Investors and Rural Readiness
Amy Domini, Founder and CEO of Domini Social
Investments
David R. Dangler, National Alliance for
Rural Policy Network
Jessica Hiemenz
National Consumer Law Center
May 21, 2012
2. Presenter – David R. Dangler
• A member of the National Alliance for Rural Policy network.
The National Alliance was founded in 2008 with funding
from the W. K. Kellogg Foundation and acts as a resource
network, not only for its members but for other rural policy
networks and individuals interested in all aspects of rural
policy.
• In addition to being a member of the National Alliance,
David is the national director of the NeighborWorks Rural
Initiative for NeighborWorks America. Today the Rural
Initiative supports 91 community-based organizations
active in rural communities in 45 states plus Puerto Rico. In
2011 the 91 rural NeighborWorks organizations made
direct investments in excess of $1.6 billion to support
affordable housing, job creation and broad-based
community economic development.
3. Presenter – Amy Domini
• Founder and CEO Domini Social Investments. Amy is
widely recognized as the leading voice for socially
responsible investing. In 2005, Time magazine
named her to the Time 100 list of the world’s most
influential people, and in 2009 Time listed her as one
of 25 “Responsibility Pioneers” who are changing the
world.
• Among many accomplishments, Amy wrote the
groundbreaking book, Ethical Investing. When it was
published in 1984, it quickly became recognized as
offering special insights to investors, giving them
both a reason and a means to invest with their
values.
4. Working together to promote a vibrant rural America.
Experience Works · First Nations Development Institute · Housing Assistance Council · Indian Country Conservancy ·
National Association of Community Health Centers · National Association of Development Organizations Research Foundation
·
National Consumer Law Center · National Trust for Historic Preservation · National Rural Health Association ·
National Youth Leadership Network · NeighborWorks America · Save the Children · United Farm Workers Foundation
Contact: Emily Blejwas, Network Coordinator
eblejwas@gmail.com
6. |6
AMY DOMINI
Amy Domini is an advocate and portfolio manager. She is also the author
of SOCIALLY RESPONSIBLE INVESTING, MAKING A DIFFERENCE
AND MAKING MONEY. Amy is the founder of Domini Social Investments,
LLC and is a member of the Sustainability Group.
7. |7
HOW THE IMPACT INVESTOR VIEWS INVESTMENT GOALS
7
UNIVERSAL HUMAN
DIGNITY
ECOLOGICAL
SUSTAINABILITY
GENERATION OF INCOME OR
PROFITS ON THE CAPITAL SPENT
PEOPLE
PLANET
PROFIT
8. |8
IMPACT INVESTORS
TIMELINE OF EVENTS THAT SHAPED IMPACT INVESTING
1960s 1968 1979 1984 2000 2009
Urban riots led
to property
casualty
insurance
companies to
begin Social
Investment
programs.
The same led
to the Ghetto
Seed Loan
Fund at the
Episcopal
Church
The Institute for
Community
Economic
Development
was founded as
a non-profit
lender
My book, Ethical
Investing, raised
the question of
banking locally
as a means of
being a
responsible
investor.
Domini Bond
Fund was
launched to
mainstream
access to
community
investing
Global Impact
Investing
Network (GIIN)
formed,
leading to
increased
interest in the
field, but re-
defining the
field as
overseas. This
creates a
challenge for
community
development
impact
investments to
differentiate.
9. |99
IMPACT INVESTORS (as defined by US-SIF)
MOST IMPORTANT FEATURES:
•There are many sources for funds
(depositors, lenders
•There are many borrowers, (not just
one food cooperative)
•Backed by the intermediary, not the
project
The impact investor recognizes Community Development Banks, Community Development Credit Unions
And Community Development Loan Funds.
10. |10
• The Forum encourages 1% for communities
• US-SIF provides members with tools to assess and invest in CDFIs
• Many CDFIs are members in the Forum, using its conferences as
networking and servicing opportunities.
• US-SIF defines the field for its membership
US SIF (The Forum for Sustainable and Responsible
Investment)
11. |11
Impact Investors see the world
SLOWLY changing
Slow Money – Invest 1% within 100 miles (or closer) to
home
Crowd Funding – by neighbors in Saranac Lake or by
Kickstarter
13. |13
DOMINI SOCIAL BOND FUND OFFERS UNIQUE ACCESS
Most people invest only through mutual funds, yet most mutual funds
have not sought ways to seed grassroots initiatives in rural areas.
The Domini Social Bond Fund has a number of Investments with
institutions that build healthy communities through the work they do.
These include RURAL PARTNERS like:
BANK2
100% owned by the Chickasaw Nation
Community Capital Bank of Virginia
Formed with an initial investment from the State of Virginia, the bank opened for business in 2008 to serve the needs of
disinvested communities across the Commonwealth
Hope Federal Credit Union
Helping communities to build assets and improve lives in economically distressed areas of the Mid South
Self-Help Federal Credit Union
Creating and protecting ownership and economic opportunity for all, especially people of color, women, rural residents and
low-wealth families and communities
Southern Bancorp
To reduce the gap between the county and national employment, poverty, and educational attainment by 50% over the next
20 years
Community Reinvestment Fund
Works to transform the community development finance system by accessing capital markets on behalf of local development
lenders to enable them to increase their impact on the lives of people and their communities
14. |14
the SUSTAINABILITY GROUP at Loring Wolcott & Coolidge
High net worth individuals seek us out to make more innovative and
supportive investments. Our RURAL INVESTMENTS include:
Organic Valley
Preferred stock to create and operate a marketing cooperative that promotes regional farm diversity and economic
stability by the means of organic agricultural methods and the sale of certified organic products
Opportunities Credit Union
To Support Socially Responsible, Community Development throughout Vermont
Appalachian Federal Credit Union
Serving over 12,000 members throughout Northeast Tennessee and Southwest Virginia
Coastal Enterprises
Provides financing and support for job-creating small businesses, natural resources industries, community facilities,
and affordable housing
FORGE
Financing Ozarks rural growth and economy founded in 1989 by a group of organic farmers from throughout the
Ozarks bio-region of Arkansas, Missouri and Oklahoma
New Hampshire Community Development Loan Fund
Provide the financing and support that people with low and moderate incomes need to have affordable housing,
quality jobs child care and early education for their children.
15. |15
WHAT DOES IT TAKE TO GO MAINSTREAM?
Bundling into CDOs with a credible partner would make a
debt-like instrument possible.
Legislation allowing equity investments into the non-profit
parent. Could be based on REIT model or an expansion of
equity to include floating rate preferred stock with secondary
market
Concerted efforts to address the barriers investors I serve
currently face (paperwork, due diligence, slow payments,
sloppy reporting)
Credible marketplace for investors to rely upon
16. |16
COMMUNITY DEVELOPMENT BANKS & CREDIT UNIONS
Products
Available
Description Rate of Return Investment Term Security Services
Provided to
Communities
Checking and/or
Savings Account
Accounts in banks
or credit unions.
Market-rate No minimum term.
All depositors
federally insured
up to $250,000.
Basic financial
services and loan
products to
underserved
individuals and
community
development
projects.
Certificate of
Deposit (CD)
Deposit made to a
bank or credit
union.
Market-rate;
below market rate
also available.
One month to 120
months.
All depositors
federally insured
up to $250,000,
with banks in the
CDARS program
insured up to $20
million.
Individual
Retirement
Account (IRA)
Tax-deferred
retirement
account. Permits
depositors of up to
$4,000 per year,
for withdrawal
after retirement.
Varies with IRA
type and
investment term.
Varies with IRA
type; often one-
year minimum. All depositors
federally insured
up to $250,000.
SOURCE: US-SIF (The Forum for Responsible and Sustainable Investing)
17. |17
COMMUNITY DEVELOPMENT LOAN FUNDS
Products
Available
Description Rate of Return Investment Term Security Services
Provided to
Communities
Senior Debt Individual or
institutional
investor lending
money to a fund
financing
community
development
projects.
Varies with
investment term
and size, typically
between 0% and
4%.
Term set by
investor; often
one-year
minimum.
Not insured;
protected by
collateral, loan
loss reserves and
net worth.
Funds finance
high-impact
community
development
projects and small
businesses in the
U.S., as well as
provide technical
assistance and
market
development to
borrowers.
Subordinated
Debt
Institutional
investor providing
a loan that is
subordinate to
senior loans and
helps build the
balance sheet.
Term set by
investor; often
one-year
minimum
Equity
Equivalent
Deeply
subordinated
obligation by an
institutional
investor to help
build a CIIs
balance sheet.
Can provide bank
investors with
enhanced CRA
credit.
Terms vary, but
must be fairly long
term or have a
rolling term
SOURCE: US-SIF (The Forum for Responsible and Sustainable Investing)
18. |18
INTERNATIONAL COMMUNITY DEVELOPMENT FUNDS
Products Available Description Rate of Return Investment Term Security Services Provided to
Communities
Senior Debt Individual or
institutional investor
lending money to a
fund financing
community
development funds.
Varies by institution,
usually between 0%
and 4% depending on
investment term and
size.
Term set by investor;
often a one-year
minimum
Not insured; often
protected by
collateral, loan loss
reserves and a fund’s
net worth.
Investments in funds
that work with
microfinance
institutions,
cooperatives and
local banks around
the world to provide
financing and job
training to
underserved people
and communities.
Guarantee Funds Investment in a fund
that guarantees the
loans of local
institutions in a certain
country.
Small & Medium
Enterprise Funds
Investment in a fund
that finances small to
mid-size enterprises.
Varies by institution,
usually between 0%
and 4%.Fund of Funds Pools of international
funds that provide
diversification.
Commercial Bond Debt and/or equity
investment in a pool
of top tier
microfinance
institutions.
Varies, but often
between 5% and
10%, depending on
management fees.
Varies based on
offering.
Private Equity
Funds
Investment in a
capital raise for a pool
of microfinance
institutions.
SOURCE: US-SIF (The Forum for Responsible and Sustainable Investing)
19. |19
COMMUNITY DEVELOPMENT VENTURE CAPITAL FUNDS
Products Available Description Rate of Return Investment Term Security Services Provided
to Communities
Venture Capital
Products
Equity investments
in new businesses
and low-income
areas in the U.S.
and abroad.
No established
return. Potential for
higher returns when
company profits and
lower returns when
profit is low.
Term varies.
Not insured; often
protected by
collateral.
Equity investments
and debt with equity
characteristics to
businesses;
extensive
managerial and
entrepreneurial
assistance. Creates
new jobs in low-
income areas.
New Markets
Venture Capital
Companies
For-profit companies
that invest equity in
small enterprises
located in lower-
income areas.
Rural Business
Investment
Strategies
For-profit companies
that invest equity in
small enterprises in
rural, underserved
areas.
SOURCE: US-SIF (The Forum for Responsible and Sustainable Investing)