The document discusses social finance and social benefit bonds, with a focus on New South Wales' social benefit bond pilots. It provides 3 key points:
1. Social benefit bonds are financial instruments that pay investors based on the achievement of agreed social outcomes, allowing private funding to support social services while generating savings for the government.
2. New South Wales has launched three social benefit bond pilots focused on reducing foster care, recidivism, and reoffending. The pilots involve private funding of social service providers contingent on improved social outcomes.
3. The pilots aim to test social benefit bonds and generate lessons around defining and measuring outcomes, payment-for-results contracting, and targeting resources to maximize outcomes.
Tony Ross, president of United Way of Pennsylvania, gave this presentation as part of the PA Budget Town Hall Meeting held in Scranton, PA on March 9, 2012.
Tony Ross, president of United Way of Pennsylvania, gave this presentation as part of the PA Budget Town Hall Meeting held in Scranton, PA on March 9, 2012.
Living Longer, Living Better: Reform Report #1 - GT review AustraliaGrant Thornton
This reform package represents an important initial step in a reform process that is well overdue.
This report focusses on the key reform initiatives included in the package. We explore the key strengths and weakness and consider some of the implications for the sector.
Piloting Social Impact Bonds in Homelessness ServicesFEANTSA
Presentation given by Tim Gray during the "New forms of finance for homelessness services: threat or opportunity?" seminar at the FEANTSA 2014 Policy Conference, "Confronting homelessness in the EU: Seeking out the next generation of best practices", 24-25 October 2014, Bergamo (Italy)
The AACC government relations team provided an overview of what Congress has on its plate this Fall. Topics included up-to-the-moment information on FY 2012 funding for Pell Grants and other key programs, the work of the deficit reduction "super committee," Trade Adjustment Assistance reauthorization and the latest status of the TAA Community College and Career Training Program, and more.
AACC conducted a webinar on December 14, 2010 which covered topics ranging from the latest status of key legislative issues for community colleges to a discussion of the expected impacts of the 2010 elections on Congress and our priorities.
How does George Osborne's latest Budget affect you?
Gemini have produced this handy summary to outline the main changes discussed in the House of Commons on 20th March 2013.
Living Longer, Living Better: Reform Report #1 - GT review AustraliaGrant Thornton
This reform package represents an important initial step in a reform process that is well overdue.
This report focusses on the key reform initiatives included in the package. We explore the key strengths and weakness and consider some of the implications for the sector.
Piloting Social Impact Bonds in Homelessness ServicesFEANTSA
Presentation given by Tim Gray during the "New forms of finance for homelessness services: threat or opportunity?" seminar at the FEANTSA 2014 Policy Conference, "Confronting homelessness in the EU: Seeking out the next generation of best practices", 24-25 October 2014, Bergamo (Italy)
The AACC government relations team provided an overview of what Congress has on its plate this Fall. Topics included up-to-the-moment information on FY 2012 funding for Pell Grants and other key programs, the work of the deficit reduction "super committee," Trade Adjustment Assistance reauthorization and the latest status of the TAA Community College and Career Training Program, and more.
AACC conducted a webinar on December 14, 2010 which covered topics ranging from the latest status of key legislative issues for community colleges to a discussion of the expected impacts of the 2010 elections on Congress and our priorities.
How does George Osborne's latest Budget affect you?
Gemini have produced this handy summary to outline the main changes discussed in the House of Commons on 20th March 2013.
Presentation of NISE! Impact Delivery Model. The NISE! social and environmental impact delivery model has as its primary objective the mainstreaming of Social Impact Bonds so that they become attractive as an asset allocation in the diversified portfolio of a prudent investor and, therefore, become a readily available source of capital.
Bridges Ventures Presentation Social Investment (in partnership with Core As...Laura Mullane
Core Assets and Bridges Ventures hosted a fringe event at #NCASC2015. This covered how Social Investment is being used to support projects for vulnerable groups of Children, Young People and Adults with Core Assets, Ways to Wellness and Teens & Toddlers.
As a follow up to our 2/26/14 webinar, Social Impact Bonds 101, Robert Esposito and Shawn Pelsinger, two NYU Law and Social Enterprise Fellows, joined us to expand upon our original discussion with a deeper look into the growth of SIB's in the Unites States and the implications for the philanthropic sector. Our two experts took us through a number of recent developments around SIB's in the U.S., including the fate of guarantors, the growth of multiple-funding sources, the expanding position of investment banks for financing and the ultimate role of foundations and philanthropy. This was the second webinar in a four-part series with Public Allies.
City of Novi, Michigan
FISCAL YEAR 2009-2010
BUDGET MESSAGE
March 2009
It’s not that looking into the future is bad, so long as one does not restrict the present
according to a future more distant than one can see… Life itself [is] like driving at night:
You can only see as far as your headlights, but you can make the whole trip that way.”
E. L. Doctorow quoted in “The New Pioneers”, Thomas Petzinger, Jr.
Dear Mayor Landry and City Council Members:
As Novi looks ahead and plans for the future; we will not be diverted from goals even
though fog may lie ahead. To help us look forward, we rely upon community
involvement from volunteers and boards and commissions to create master plans. Staff
and outside experts provide elected leadership with options and strategies to lay out the
roadmap as our City of Novi drives forward. We apply a success formula of APPEAR
(Analyze, Plan, Prepare, Execute, Adjust, and Repeat).
Report about Social Impacts Bonds prepared by ABN Amro. Taken from this web-site: http://www.abnamro.com/en/images/040_Sustainability/050_Reporting/Files/Summary_Sustainability_Report_2013_EN-.pdf
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
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
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
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
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
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.
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.
Yes of course, you can easily start mining pi network coin today and sell to legit pi vendors in the United States.
Here the telegram contact of my personal vendor.
@Pi_vendor_247
#pi network #pi coins #legit #passive income
#US
2. 2
Social Finance
Social Finance, including social investment, is a rapidly developing area in
which both financial and social returns are sought by stakeholders.
The benefits of social finance are varied however the underlying fundamental
benefit is that social finance contributes to creating sustainable solutions to
significant social, environmental and cultural issues.
There are many examples, of which Social Benefit Bonds are just one.
4. 4
What is a Social Benefit Bond (SBB)?
Private
Investors
Social Benefit
Bond Issuer
Service
Provider(s)
Government
1. Up-front
investment for
working capital
2. Funding
for services
3. Payment based
on outcomes
achieved by
provider
4. Returns paid
on investment
based on
performance
A SBB is a financial instrument that pays a return based on the achievement of
agreed social outcomes. Savings generated from these improved outcomes
enable Government to repay the upfront investment and provide a reward
payment commensurate with the outcomes achieved.
5. 5
NSW Social Benefit Bonds Trial
February 2011 – the Centre for Social Impact (CSI) feasibility report
September 2011 – SBB trial announced
November 2011 – a Request for Proposals closed
March 2012 –Joint Development Phase commenced
March 2013 –Contracts signed for Australia’s first SBB (Newpin SBB)
June 2013 –Contracts signed for Australia’s second SBB
May 2013 –$7 million raised for the Newpin SBB
6. 6
Benefits of Social Benefit Bonds
A focus on outcomes rather than outputs
Additional resources towards early intervention programs and services
Innovation
Improving the evidence base
Accountability and transparency
7. 7
Benefits of the NSW SBB Trial
From the NSW SBB Trial we aim to better understand:
how to strengthen families and hence reduce the number of children in
foster care
how to reduce recidivism;
the appetite for social finance products in the market;
the potential for contestable outcomes-based contracting in social services;
how to realise the benefits of prevention and early intervention services;
how government can better define and measure outcomes.
8. 8
The NSW SBB Trial – Joint
Development Phase
The NSW SBB Trial included a Joint Development Phase where the three
successful proponents worked with Government on:
Analysing the cohort and likely improvements to the targeted social
problem
Designing the financial model;
Defining the outcomes to be targeted and measured;
Developing the measurement framework.
9. 9
The Newpin SBB
The Bond: $7 million over a 7 year period.
Investor returns: The Newpin SBB targets a financial return of 10 to 12
percent per annum . This is dependent on the successful performance of the
service and the outcomes it achieves.
Service: Intensive support to over 700 families to improve parenting styles,
behaviour and practices, the program helps parents to build positive parent-
child relationships.
Outcomes: The service aims to safely restore more than 400 children in foster
care to their families and to prevent at-risk children entering care.
Performance indicator: The key indicator will be the restoration rate of
children who enter the program.
10. 10
The Newpin SBB
The Newpin SBB funds an outcomes-based agreement between the Government
and UnitingCare Burnside (UCB).
Loan
Special Purpose
Vehicle
OBA GovernmentUCB
Investors
$
$
$
11. 11
The Benevolent Society(TBS) SBB
The Bond: $10 million with a Term of 5 years.
Investor returns: The TBS SBB has two tranches of investment. Returns are
dependent on the successful performance of the service and the tranche of
investment, and are paid at the end of year five.
Service: Intensive work with up to 400 families and their children in the
Resilient Families Service (RFS).
Outcomes: The service aims to keep children safely with their families and
out of foster care.
Performance indicator: A range of NSW Government data will be used to
measure success including entries into foster care, reports to the Child
Protection Helpline and safety assessments by Family and Community
Services exhibited by children in the treatment group when compared to a
control group.
12. 12
The TBS SBB
A Special Purpose Vehicle (SPV) issues the SBB to fund operating expenses of a
service provider subcontracted to achieve outcomes. The Government contracts
with the SPV and pays a return based on the achievement of outcomes.
OBA
Subcontract
TBS
Special Purpose
Vehicle
Government
Investors
$
$
$
13. 13
The Mission Australia SBB
The Government is working with Mission Australia on the development of a third
SBB pilot. The SBB will aim to reduce adult reoffending in the criminal justice
system.
The structure of the SBB arrangement is likely to be similar to the TBS SBB.
The development of this SBB requires significant collaborative work that is ongoing.
If a viable model can be designed for the benefit of the community, investors and
Government, this pilot will also be implemented in 2013-14.
14. 14
Benefits of the NSW SBB Trial
The Joint Development Phase for the pilot SBBs has provided:
A better understanding of how to define and measure outcomes;
Enhanced knowledge of payment by results contract management
principles;
Increased accountability for staff involved in the implementation of the
SBBs;
Insights into the government’s data gathering and reporting capabilities;
A greater emphasis on the benefits of data sharing with NGO partners;
Better targeting of resources to maximise outcomes.
15. 15
Main Title
Subtitle
Creating a mutually beneficial
environment for socially-
motivated investors, government
and social institutions
16. 16
Balancing Interests
SBBs aim to provide benefits to all parties, including
the community, investors and government.
Service providers can tap into new sources of
outcomes-based funding to expand and improve
services for vulnerable members of the community.
Investors (institutional, retail and private) have access
to a new financial instrument offering a mix of
economic and societal returns. Government can
reorient spending from acute services to other areas of
need.