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Benefits
$20,000 $38,040 $100,065$61,720 Household Income (quintiles)
Numberofhouseholds
• In 4 years 75% move above poverty but
50% fall right back under in 5 years (Urban
Institute 2009)
•Roughly half of US experiences poverty
by age of 65 and half of the people who
leave poverty will become poor again
within 5 years (2009 Urban Institute Study)
People Work Hard: Stuck in cycle of instability
Median Household Income
Federal Poverty Line
$20,000 $38,040 $100,065$61,720 Household Income (quintiles)
BenefitsNumberofhouseholds
Examples: Mortgage interest deduction,
matched retirement, access to
loans/investment, bulk purchasing…
Benefits Omit Working Poor
Median Household Income
Federal Poverty Line
- The Gap –
Lack of info on
Initiative
$20,000 $38,040 $100,065$61,720 Household Income (quintiles)
BenefitsNumberofhouseholds
Resource Hubs
Resources available based on proven
initiative
Low interest loans, match to investments,
scholarships, awards, KIVA …
Initiative Score as qualifier
Information Can lead to Investment
How Systems See Me
Single mom
Section 8 housing resident
Food stamp consumer
Underemployed
GED graduate
580 Credit Score
How I See Myself
Mother of three A students
Active member of my community
Participant in a $10,000 Lending Circle
Entrepreneur paying back a small business loan
FII Scholarship recipient
780 Initiative Score
Recruit
additional
families to
form new
cohorts
After 6
months,
eligible to
apply for
resources
Input data
monthly in
exchange for
payment
Receive
computers
from FII
Families
organize and
meet in
cohort groups
FII Partners Directly with Families
Share data
and stories
with
influencers
Share Data
and stories
with families
Build
“Resource
Hub”
informed by
family data
Audit &
analyze
family data
Facilitate
family self-
organization
Role of FII
FII’s Technology & Resource Hub
Families Connect With Each Other
& Share Resources Online
Families Complete
Online Journal
Families Access Resources
To Fuel Their Initiatives
FII Innovates and
Researches
Community Building
Site
Initiative Score
Income Volatility Analysis
Customized Reports
Interactive Data
Repository
Informs Resource Hub
200+ Monthly
Structured & Unstructured Data
per Household
Data Driven Resources
FII’s Technology & Resource Hub
Education & Skills
• Improved Grades
• Improved Attendance
• After School Programs
• Graduation
• Scholarships
• Adult Classes
• Workshops
• Continuing Education
Health & Housing
• Insurance Coverage
• Preventative Care
• Checkups
• Routine Test
• Immunizations
• Therapy
• Mental Health
• Health Improvement
• Weight Loss
• Join Gym
• Blood Pressure
• Cholesterol
• Bought a Home
• Moved (Reasons)
• Improved Housing
Resourceful & Leading
• Attend Trainings
• Shares Training
• Involved/Lead Civic
Activities
• Attends Leadership
Workshops
• Leads FII Activities
Networking & Helping
• Refers Friend to a Job
• Helps Other Start
Business
• Refers Other to
Resource
• Helps Others in Crisis
• Expands Job Networks
• Recruits & Orients New
FII Families
• Savings Account
• Checking Account
• Cash On Hand
• Personal Loans Others Owe You
• Credit Card Debt
• Auto Loans
• Education Loans
• Personal Loans Owed
• Real Estate Loan
• Alimony
• Child Support
• Other Debt/Obligations
• Credit Score
BALANCE SHEET
Longitudinal Data
Monthly Initiatives, Accomplishments and Feedback
• Income from Employment
• Formal (W-2, 1099-INT)
• Informal (Under the table)
• Own Business
• Formal
• Informal
• Type of business
• Child Support
• Other Income (Not FII)
• Supplemental Security Income
• Unemployment Income
• Lump Sums
• Food Stamps
• Calworks/ DTA
• WIC
• Subsidized Portion of Housing
• Other
ACTIVITIESINCOME
How FII Is Using and Sharing Data
• Data for Families
• Data for Staff & Partners
• Data for Outside Stakeholders
Data for Families: Dynamic Dashboards
Data for Families: Personalized Reports
Data for Families: Feedback Loop
How FII Is Using and Sharing Data
• Data for Families
• Data for Staff & Partners
• Data for Outside Stakeholders
Data For Staff: Suite of Analytics Apps
Data For Staff: Dynamic Dashboard
Data For Staff: Resource Allocation
Priority of Activities for Families
Accessing Resources & Improvements
When resources are
readily available, families
earn more
2,035
2,400
2,500
1,720
2,075
2,025
Month 1 Month 6 Month 12
Avg. Monthly Income by Months in FII
Accessed vs. Did Not Access the Resource Hub
Accessed Resource Hub Did Not Access Resource Hub
Sample of Resources in FII Hub
• FII Zero % loans
• Match to their savings
• Small awards for Family Time
• Scholarships based on Initiative
• Competitive Fellowships/awards
• KivaZip, MAF, Benevolent,
Indiegogo, etc.
Mutuality Grows If Encouraged
Not Just FII Resources: Families Are Pooling Capital
How FII Is Using and Sharing Data
• Data for Families
• Data for Staff & Partners
• Data for Outside Stakeholders
FII-Analytics
Regression Analysis Geospatial
Text Mining Machine Learning
Longitudinal Data
Demonstrated
that families on
SSI have the
capacity to save
Analyzed how
families rise out
of poverty
despite income
volatility
Geospatial Analysis
Walkability score example
UpTogether allows us to build and learn from families’ social graphs
How Systems See Me
Single mom
Section 8 housing resident
Food stamp consumer
Underemployed
GED graduate
580 Credit Score
How I See Myself
Mother of three A students
Active member of my community
Participant in a $10,000 Lending Circle
Entrepreneur paying back a small business loan
FII Scholarship recipient
780 Initiative Score

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Jesús Gerena, Family Independence Initiative

  • 1. Benefits $20,000 $38,040 $100,065$61,720 Household Income (quintiles) Numberofhouseholds • In 4 years 75% move above poverty but 50% fall right back under in 5 years (Urban Institute 2009) •Roughly half of US experiences poverty by age of 65 and half of the people who leave poverty will become poor again within 5 years (2009 Urban Institute Study) People Work Hard: Stuck in cycle of instability Median Household Income Federal Poverty Line
  • 2. $20,000 $38,040 $100,065$61,720 Household Income (quintiles) BenefitsNumberofhouseholds Examples: Mortgage interest deduction, matched retirement, access to loans/investment, bulk purchasing… Benefits Omit Working Poor Median Household Income Federal Poverty Line - The Gap – Lack of info on Initiative
  • 3. $20,000 $38,040 $100,065$61,720 Household Income (quintiles) BenefitsNumberofhouseholds Resource Hubs Resources available based on proven initiative Low interest loans, match to investments, scholarships, awards, KIVA … Initiative Score as qualifier Information Can lead to Investment
  • 4. How Systems See Me Single mom Section 8 housing resident Food stamp consumer Underemployed GED graduate 580 Credit Score How I See Myself Mother of three A students Active member of my community Participant in a $10,000 Lending Circle Entrepreneur paying back a small business loan FII Scholarship recipient 780 Initiative Score
  • 5. Recruit additional families to form new cohorts After 6 months, eligible to apply for resources Input data monthly in exchange for payment Receive computers from FII Families organize and meet in cohort groups FII Partners Directly with Families
  • 6. Share data and stories with influencers Share Data and stories with families Build “Resource Hub” informed by family data Audit & analyze family data Facilitate family self- organization Role of FII
  • 7. FII’s Technology & Resource Hub Families Connect With Each Other & Share Resources Online Families Complete Online Journal Families Access Resources To Fuel Their Initiatives FII Innovates and Researches Community Building Site Initiative Score Income Volatility Analysis Customized Reports Interactive Data Repository Informs Resource Hub 200+ Monthly Structured & Unstructured Data per Household Data Driven Resources FII’s Technology & Resource Hub
  • 8.
  • 9. Education & Skills • Improved Grades • Improved Attendance • After School Programs • Graduation • Scholarships • Adult Classes • Workshops • Continuing Education Health & Housing • Insurance Coverage • Preventative Care • Checkups • Routine Test • Immunizations • Therapy • Mental Health • Health Improvement • Weight Loss • Join Gym • Blood Pressure • Cholesterol • Bought a Home • Moved (Reasons) • Improved Housing Resourceful & Leading • Attend Trainings • Shares Training • Involved/Lead Civic Activities • Attends Leadership Workshops • Leads FII Activities Networking & Helping • Refers Friend to a Job • Helps Other Start Business • Refers Other to Resource • Helps Others in Crisis • Expands Job Networks • Recruits & Orients New FII Families • Savings Account • Checking Account • Cash On Hand • Personal Loans Others Owe You • Credit Card Debt • Auto Loans • Education Loans • Personal Loans Owed • Real Estate Loan • Alimony • Child Support • Other Debt/Obligations • Credit Score BALANCE SHEET Longitudinal Data Monthly Initiatives, Accomplishments and Feedback • Income from Employment • Formal (W-2, 1099-INT) • Informal (Under the table) • Own Business • Formal • Informal • Type of business • Child Support • Other Income (Not FII) • Supplemental Security Income • Unemployment Income • Lump Sums • Food Stamps • Calworks/ DTA • WIC • Subsidized Portion of Housing • Other ACTIVITIESINCOME
  • 10. How FII Is Using and Sharing Data • Data for Families • Data for Staff & Partners • Data for Outside Stakeholders
  • 11. Data for Families: Dynamic Dashboards
  • 12. Data for Families: Personalized Reports
  • 13. Data for Families: Feedback Loop
  • 14. How FII Is Using and Sharing Data • Data for Families • Data for Staff & Partners • Data for Outside Stakeholders
  • 15. Data For Staff: Suite of Analytics Apps
  • 16. Data For Staff: Dynamic Dashboard
  • 17. Data For Staff: Resource Allocation
  • 18. Priority of Activities for Families
  • 19. Accessing Resources & Improvements When resources are readily available, families earn more 2,035 2,400 2,500 1,720 2,075 2,025 Month 1 Month 6 Month 12 Avg. Monthly Income by Months in FII Accessed vs. Did Not Access the Resource Hub Accessed Resource Hub Did Not Access Resource Hub Sample of Resources in FII Hub • FII Zero % loans • Match to their savings • Small awards for Family Time • Scholarships based on Initiative • Competitive Fellowships/awards • KivaZip, MAF, Benevolent, Indiegogo, etc.
  • 20. Mutuality Grows If Encouraged
  • 21. Not Just FII Resources: Families Are Pooling Capital
  • 22. How FII Is Using and Sharing Data • Data for Families • Data for Staff & Partners • Data for Outside Stakeholders
  • 23. FII-Analytics Regression Analysis Geospatial Text Mining Machine Learning Longitudinal Data
  • 24. Demonstrated that families on SSI have the capacity to save
  • 25. Analyzed how families rise out of poverty despite income volatility
  • 27. UpTogether allows us to build and learn from families’ social graphs
  • 28. How Systems See Me Single mom Section 8 housing resident Food stamp consumer Underemployed GED graduate 580 Credit Score How I See Myself Mother of three A students Active member of my community Participant in a $10,000 Lending Circle Entrepreneur paying back a small business loan FII Scholarship recipient 780 Initiative Score