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
Slideshow of the first microfinance102 class held by the San Diego Microfinance Alliance at UCSD. Presentation by Chuck Waterfield at Microfinance Transparency
Slideshow of the first microfinance102 class held by the San Diego Microfinance Alliance at UCSD. Presentation by Chuck Waterfield at Microfinance Transparency
This self-paced course is designed to provide you with a basic understanding of personal financial management to help you meet life's challenges and opportunities in college and in life. Major topics covered include: financial planning; budgeting; information on the various sources of financial aid; credit use; standards of progress for financial aid eligibility; affording the loan debt that you have borrowed; using your maximum credit wisely; and retirement planning. Students will be provided with information that will enhance their knowledge and skills to assist them with making more informed decisions that are related to various practices as they pursue their education at Madison College.
LEDC presented at the Washington, DC Economic Partnership's (WDCEP) & Small Business Administration's (SBA) Alternative Sources of Funding event held on September 26, 2013.
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
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.
Pay for Today (and Tomorrow): Compensation in the Nonprofit Sector (DC)Church Pension Group
Lately, it seems that any sentence containing the words "nonprofit" and "compensation" is related to the scrutiny of pay provided to the presidents and other top executives of organizations. However, for most nonprofit organizations, far more compensation dollars are paid to the broader, non-executive employee population. My presentation from the October 2010 Nonprofit Human Resources Conference in Washington, DC focuses on prevailing practices and emerging trends regarding compensation in the nonprofit sector, including the impact of internal and external influences.
Personal Finance Education as a Workplace BenefitJason Clause
In this episode of the Jason Clause Show, My guest, Michelle Boss, a personal finance coach and a certified financial educational instructor shares a little bit about how to create a personal finance program for your team as an employee benefit.
Building assets is one of the most effective pathways out of generational poverty and into financial stability. To build assets, families need financial education, asset building opportunities, and the ability to protect assets. Building and maintaining credit is a key part of this process. This session will provide an introduction to the strategies and policies that are helping families build credit and get on the path to financial stability.
Presenters
Sarah Chenven, Credit Builders Alliance
Abby Wood, Metropolitan Family Services
What's it like to work with The Independent Financial Group? Founding Principal Jim Lorenzen talks about how IFG may be different from other wealth management advisory firms.
This self-paced course is designed to provide you with a basic understanding of personal financial management to help you meet life's challenges and opportunities in college and in life. Major topics covered include: financial planning; budgeting; information on the various sources of financial aid; credit use; standards of progress for financial aid eligibility; affording the loan debt that you have borrowed; using your maximum credit wisely; and retirement planning. Students will be provided with information that will enhance their knowledge and skills to assist them with making more informed decisions that are related to various practices as they pursue their education at Madison College.
LEDC presented at the Washington, DC Economic Partnership's (WDCEP) & Small Business Administration's (SBA) Alternative Sources of Funding event held on September 26, 2013.
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
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.
Pay for Today (and Tomorrow): Compensation in the Nonprofit Sector (DC)Church Pension Group
Lately, it seems that any sentence containing the words "nonprofit" and "compensation" is related to the scrutiny of pay provided to the presidents and other top executives of organizations. However, for most nonprofit organizations, far more compensation dollars are paid to the broader, non-executive employee population. My presentation from the October 2010 Nonprofit Human Resources Conference in Washington, DC focuses on prevailing practices and emerging trends regarding compensation in the nonprofit sector, including the impact of internal and external influences.
Personal Finance Education as a Workplace BenefitJason Clause
In this episode of the Jason Clause Show, My guest, Michelle Boss, a personal finance coach and a certified financial educational instructor shares a little bit about how to create a personal finance program for your team as an employee benefit.
Building assets is one of the most effective pathways out of generational poverty and into financial stability. To build assets, families need financial education, asset building opportunities, and the ability to protect assets. Building and maintaining credit is a key part of this process. This session will provide an introduction to the strategies and policies that are helping families build credit and get on the path to financial stability.
Presenters
Sarah Chenven, Credit Builders Alliance
Abby Wood, Metropolitan Family Services
What's it like to work with The Independent Financial Group? Founding Principal Jim Lorenzen talks about how IFG may be different from other wealth management advisory firms.
Roanoke Entrepreneur Express Franchising Workshop, November 6, 2009Sandy Ratliff
The Virginia Department of Business Assistance partnered with the City of Roanoke, Roanoke County, Virginia Western Community College, Roanoke Regional Partnership and Roanoke Regional Small Business Development Center to conduct the 5th Entrepreneur Express Workshop with a special section on franchising.
DSLBD and our partners at the Small Business Administration (SBA), KPMG Spark and HSBC hosted a special small business webinar on Thursday, April 30 to discuss the DC Capital Connector - a District Government online tool that provides access to capital for small businesses - and other funding opportunities for District-based small businesses.
One of the biggest challenges of starting a company is to maintain a steady cash flow. An entrepreneur's worst nightmare is: "What if I run out of money!"
Jo Van Betsbrugge is an Innovation Advisor at the National Research Council’s Innovation Access circa November 2013. He will be sharing his experiences with you on: starting and running a company in Quebec, and will demisify exactly how he successfully raised over $1M without the help of venture capital.
He helps entrepreneurs and small and medium-sized businesses navigate through the multitude of available innovation support programs offered by provincial and federal governments.
Finance in the South West 2017 - Established (>2 Years) Session PKF Francis Clark
PKF Francis Clark is hosting a seminar which brings together providers of business funding, including both debt and equity; business support agencies including grant specialists; our own corporate finance experts and business owners themselves to provide short, sharp presentations in order to assist business owners and managers in assessing which funding stream is right for them.
Under the supervision of the Microenterprise Program Coordinator, the Graphic Design Intern shall support the
development of graphic and web design projects for the Microenterprise Program and the businesses it serves
Read| The latest issue of The Challenger is here! We are thrilled to announce that our school paper has qualified for the NATIONAL SCHOOLS PRESS CONFERENCE (NSPC) 2024. Thank you for your unwavering support and trust. Dive into the stories that made us stand out!
Palestine last event orientationfvgnh .pptxRaedMohamed3
An EFL lesson about the current events in Palestine. It is intended to be for intermediate students who wish to increase their listening skills through a short lesson in power point.
The Roman Empire A Historical Colossus.pdfkaushalkr1407
The Roman Empire, a vast and enduring power, stands as one of history's most remarkable civilizations, leaving an indelible imprint on the world. It emerged from the Roman Republic, transitioning into an imperial powerhouse under the leadership of Augustus Caesar in 27 BCE. This transformation marked the beginning of an era defined by unprecedented territorial expansion, architectural marvels, and profound cultural influence.
The empire's roots lie in the city of Rome, founded, according to legend, by Romulus in 753 BCE. Over centuries, Rome evolved from a small settlement to a formidable republic, characterized by a complex political system with elected officials and checks on power. However, internal strife, class conflicts, and military ambitions paved the way for the end of the Republic. Julius Caesar’s dictatorship and subsequent assassination in 44 BCE created a power vacuum, leading to a civil war. Octavian, later Augustus, emerged victorious, heralding the Roman Empire’s birth.
Under Augustus, the empire experienced the Pax Romana, a 200-year period of relative peace and stability. Augustus reformed the military, established efficient administrative systems, and initiated grand construction projects. The empire's borders expanded, encompassing territories from Britain to Egypt and from Spain to the Euphrates. Roman legions, renowned for their discipline and engineering prowess, secured and maintained these vast territories, building roads, fortifications, and cities that facilitated control and integration.
The Roman Empire’s society was hierarchical, with a rigid class system. At the top were the patricians, wealthy elites who held significant political power. Below them were the plebeians, free citizens with limited political influence, and the vast numbers of slaves who formed the backbone of the economy. The family unit was central, governed by the paterfamilias, the male head who held absolute authority.
Culturally, the Romans were eclectic, absorbing and adapting elements from the civilizations they encountered, particularly the Greeks. Roman art, literature, and philosophy reflected this synthesis, creating a rich cultural tapestry. Latin, the Roman language, became the lingua franca of the Western world, influencing numerous modern languages.
Roman architecture and engineering achievements were monumental. They perfected the arch, vault, and dome, constructing enduring structures like the Colosseum, Pantheon, and aqueducts. These engineering marvels not only showcased Roman ingenuity but also served practical purposes, from public entertainment to water supply.
This is a presentation by Dada Robert in a Your Skill Boost masterclass organised by the Excellence Foundation for South Sudan (EFSS) on Saturday, the 25th and Sunday, the 26th of May 2024.
He discussed the concept of quality improvement, emphasizing its applicability to various aspects of life, including personal, project, and program improvements. He defined quality as doing the right thing at the right time in the right way to achieve the best possible results and discussed the concept of the "gap" between what we know and what we do, and how this gap represents the areas we need to improve. He explained the scientific approach to quality improvement, which involves systematic performance analysis, testing and learning, and implementing change ideas. He also highlighted the importance of client focus and a team approach to quality improvement.
Model Attribute Check Company Auto PropertyCeline George
In Odoo, the multi-company feature allows you to manage multiple companies within a single Odoo database instance. Each company can have its own configurations while still sharing common resources such as products, customers, and suppliers.
How to Make a Field invisible in Odoo 17Celine George
It is possible to hide or invisible some fields in odoo. Commonly using “invisible” attribute in the field definition to invisible the fields. This slide will show how to make a field invisible in odoo 17.
How to Create Map Views in the Odoo 17 ERPCeline George
The map views are useful for providing a geographical representation of data. They allow users to visualize and analyze the data in a more intuitive manner.
2. 9,900,000 Refugees World Wide*
Europe
1,733,700
N.Africa, C/SW Asia, Mid East
3,811,800
*United States Committee for Refugees and Immigrants - December 31, 2006
Africa
2,421,300Americas & the
Caribbean
1,035,900
East Asia and
the Pacific
875,100
3,811,800
4. IRC Resettlement Services
Wide assortment of services
from arrival to attainment of
citizenship (up to five years)
Primarily for refugees--
expanding to serve asylees
and other immigrant
populations
6. IRC San Diego
5348 University Avenue, San
Diego CA 92105
619-641-7510619-641-7510
Founded in 1975
Resettled > 20,000 refugees
Wide spectrum of programs
9. IRC Center for Financial Opportunity
Financial Security
Bundled Services
Case Management
10. IRC Center for Financial Opportunity
Microenterprise Development
Overview
“From Hardship to
Entrepreneurship”
- Microenterprise vs. Microfinance
- Funding
-Common businesses
- Why is there a need?
Entrepreneurship”
11. IRC Center for Financial Opportunity
Microenterprise Development: Client Characteristics
- 47% Men, 53% Women
- Regions: East Africa(50%), Iraq and
Middle East (30%), Other (20%)Middle East (30%), Other (20%)
- In US less than 5 years: 58%
- Low-Income: 90%
- Previous Biz Experience: 40%
-CA Minimum Wage: $8/hour
12. IRC Center for Financial Opportunity
Issues and Challenges for Refugee
Entrepreneurs:
• Access to Capital
• Access to Technical Assistance• Access to Technical Assistance
• Access to Additional Services
• Ongoing Support
• Linguistically and Culturally
Appropriate
13. IRC Center for Financial Opportunity
Microenterprise Development
Loans
- Character-based- Character-based
- Maximum Loan: $15,000
- Average Loan size: $7,500
- Loans made per year: 15 to 25
- Default Rate: 5%
14. IRC Center for Financial Opportunity
Microenterprise Development
Technical Assistance
-Advising and Consulting
-Business Planning
-Marketing
-Licensing and Permitting
-Bookkeeping
15. IRC Center for Financial Opportunity
Microenterprise and Financial
Education: Credit Building
Program
-Credit Building loans $100 and $300-Credit Building loans $100 and $300
-Average Score at Program Entry: NA
-Average Score after 6 Months: 642
16. IRC Center for Financial Opportunity
Example
Said from Somalia
17. IRC Center for Financial Opportunity
ExampleSameer from Iraq
18. International Rescue Committee
Center for Financial Opportunity
www.theIRC.org
Joel Chrisco, Program Supervisor
Joel.chrisco@theIRC.org
619-641-7510 Ext. 247
19.
20. ACCION San Diego
Lending. Supporting. Inspiring.
Joe and Vi Jacobs Center
404 Euclid Avenue Ste. 271
San Diego, CA 92114San Diego, CA 92114
T: (619) 795-7250
T: (800) 967-4429
F: (619) 795-7260
www.accionsandiego.org
21. ACCION’s History
•ACCION San Diego is an affiliate of ACCION
International, an organization that began lending in
Latin America in 1961
•ACCION USA began a pilot program in New York•ACCION USA began a pilot program in New York
in 1991
•ACCION San Diego office opened in 1994
•Now located in 9 U.S. states
•Each office is privately owned, funded & operated
22. Services We Provide
• Small business loans up to $35,000
• Build or re-build positive credit history
• Help transition clients to banks
• Technical assistance
• Referrals to other business services
• Publicity/networking opportunities
23. Where does ACCION get its money?
• Private donations
• Grants from foundations• Grants from foundations
• Grants or low-interest loans from banks
• City and government funds
24. Our Eligibility Requirements
• Live/work in San Diego County
• Six months of business history or previous
experience in the industry for start-ups
• Income/expense documentation• Income/expense documentation
• Capacity to make payments
• Reasonable credit report
• Collateral and/or co-signer may be required
dependent upon level of risk
• Character
25. How Much Will the Loan Cost?
• Interest rate starts at 12% APR
• Administrative fees (charged only at disbursal):
•<$5,000: $75 maximum•<$5,000: $75 maximum
•>$5,000: 4% -6% of loan amount depending
on loan is security.
• $10-$25 minimum fees for securing interest
in collateral
26. Timelines
How long will it take to get financing?
• 48 hours for quick loans $300-$2,000
•2 weeks for loans $2,001 to $35,000
How long will I have to pay back the loan?
• Depends on size of the loan
• Typically 12-60 months
27. Next Steps
• Obtain application by mail, email or fax or
on our website: www.accionsandiego.orgon our website: www.accionsandiego.org
• Compile and submit supporting
documentation for loan request
• Loan Officer will call to schedule site visit
28. Additional Resources
• SCORE
– (619) 557-7272
• Small Business Development Center
– (619) 482-6391 or (760) 795-8735 (N. County)– (619) 482-6391 or (760) 795-8735 (N. County)
• Consumer Credit Counseling
– 1-866-889-9347
• Credit Agencies
– Experian 1-800-311-4769
– Equifax 1-800-685-1111
– Trans Union 1-800-916-8800
32. CDC Small Business Finance
background and roles
CDC’s are financial intermediaries certified by the
SBA to administer SBA 504 loans (commercial real
estate loans), and other alternative loan products.
CDC roles: direct lending, loan intermediary, loan
packaging,
CDC roles: direct lending, loan intermediary, loan
packaging,
Creative financing: partnering with other lenders
to complete request, loan guarantees
Statistics (loan volume, conversion ratio, default
rate, interest rates)
33. Loan Evaluation
What is underwriting???
How do you decide who to finance?
Areas of Evaluation (credit, cash flow,Areas of Evaluation (credit, cash flow,
collateral, experience, capital,
character, business plan, co-signer,
economic conditions)
35. Capacity
Historical profits of business as reported on tax
returns.
Projections.
Outside sources of income: other employment,Outside sources of income: other employment,
spousal income, military, disability, retirement, rental
income, alimony, child support, etc.)
Personal Liquidity.
37. Collateral
What is collateral?
How important is it?
What if you don’t have collateral?
Business and Personal Assets.Business and Personal Assets.
How much equity do you have in your home?
38. Experience
How much experience do you need for a start up
business?
What is your background?
What if you have no experience in the industry you areWhat if you have no experience in the industry you are
starting your business in?
42. Co-Signer
To mitigate weaknesses in other areas, you can bring a
co-signer on board to guarantee the loan.
Requirements of a co-signer…stable income, good
credit, possibly personal assets to secure loan.credit, possibly personal assets to secure loan.
45. Contact Information
Susan Lamping
Senior Community Loan Officer
Main line: (619) 291-3594 ext. 8639
Direct line: (619) 243-8639Direct line: (619) 243-8639
slamping@cdcloans.com
CDC Small Business Finance
2448 Historic Decatur Road, Suite #200
San Diego, CA 92106