SlideShare a Scribd company logo
1 of 21
Download to read offline
SOCIAL IMPACT
LEARNINGS 2019
Providing Affordable
Housing & Financing
for Families
Why Measure Our Impact?
As a publicly traded social enterprise we have the dual
responsibility of scaling a sustainable enterprise which
builds shareholder value and equally important,
measures the impact we deliver to our stakeholders
and communities.
Measuring impact not only provides us with current
metrics but challenges us to expand the impact we
can provide and pushes us to come up with more
financial solutions for the unbanked and
underbanked.
Financial inclusion is a comprehensive issue that the
entire banking and financial sector should embrace
and solve. We are happy to do our small part. We
started assessing impact not because we owe it to our
investors, but because we exist for our beneficiaries,
and it is the latter whom our impact evaluation is
ultimately serving.
Eric Donnelly
CEO, Capital Plus Financial
Listening to Our
Stakeholders
Index
Introduction
Mission
Aligning to Global Goals
Methodology
Impact Strategy
Housing For All
Inclusive Communities
Health
Education
Safety
Support
You Believed in Us
Testimonials
From the Field
Reflecting on Our Learnings
Striving for Deep Impact
Impact Management Project
Contributing to the Solutions
References
10
11
12
13
14
15
16
17
18
19
20
Listening to Our Stakeholders
5
6
7
8
9
Housing has always played an essential role in shaping the life cycle outcomes
for each member of a household. It is a well researched and proven concept
that your zip code can impact what kind of job you will have, which school
your children will attend, who you will network with, how long you will live,
quality of your health, and your economic growth.
In order to continually improve, we must be able to credibly measure and
quantify the impact of our efforts. We seek quantitative and qualitative
results, accountability and significant data insights so that we can assess what
works and what doesn’t. This will enable us to scale our efforts and provide
more value to our stakeholders.
4
HEALTHY
STABLE
INCLUSIVE
THRIVING
COMMUNITIES
At Capital Plus
Financial, we want to
provide upward
economic mobility for
everyone. We have
taken many steps
already to improve
stability, health, and
education within our
community so that
each resident feel that
opportunity is within
reach, and we need
your help.
InvestinginThriving
Communities
Introduction
Bridging the gap between public and private funding to
grow smaller CDFIs doing incredible work in the communities.
Capital Plus Financial was originally formed in 1992 to provide mortgage financing within the
state of Texas. Over the span of its life, the Company has evolved to serve the Hispanic
population by providing credit that is otherwise unavailable.
Capital Plus Financial has injected over $250 million into underserved communities and
populations in Texas. Capital Plus is committed to continuing to serve communities in which it
has a history of 25 years as well as expand its reach to serve its increasing beneficiary base.
In 2017, Capital Plus Financial, through its ownership by Crossroads Systems Inc., became a
publicly traded Community Development Financial Institution (CDFI). This was a tremendous
advancement for the industry and a testament to achieving the balance between impacting
communities and building shareholder value.
Our U.S. Treasury certification allows us to further leverage long standing banking relationships
to jointly tackle the important issue of uplifting communities. We provide financing and home
ownership to the underserved market populations we serve in Texas.
We aim to lead and influence the industry into a broader impact investment landscape where
capital market solutions and public dollar leverage the transformative work CDFIs do across the
country.
5
As a certified community development financial institution (CDFI), Capital Plus Financial
provides capital to markets identified as underserved by the community. Capital Plus
Financial focuses on homeownership in these underserved markets which will result in
positive economic and social impact to the community. Capital Plus Financial originates first
lien residential mortgages in low-to-moderate income communities across Texas.
Capital Plus Financial lends to low-to-moderate income documented Hispanic borrowers.
Approximately 50% of our borrowers have no credit score and the majority are first time
homeowners.
MISSION
HOW HOUSING IMPACTS FAMILIES
-THE GIIN, NAVIGATION IMPACT
"Investments in housing can lead to improved physical and mental health, healthier
childhood development, reduced government spending, improved standard of
living, improved community health, and stronger local economies."
6
Sustainable Development
Goals (UN SDG)
The 2030 Agenda for Sustainable Development, adopted by
all United Nations Member States in 2015, provides a shared
blueprint for peace and prosperity for people and the planet,
now and into the future.
There are 17 Sustainable Development Goals (SDGs), which
are an urgent call for action by all countries - developed and
developing - in a global partnership. They recognize that
ending poverty and other deprivations must go hand-in-hand
with strategies that improve health and education, reduce
inequality, and spur economic growth – all while tackling
climate change and working to preserve our oceans and
forests.
All 17 SDGs have set number of Targets and each Target has
well defined indicators.
Aligning
Capital Plus
Financial to
the Goals
SDG 11: Make cities inclusive, safe, resilient
and sustainable.
Targets:
11.1 By 2030, ensure access for all to adequate,
safe, and affordable housing and basic services.
11.3 By 2030, enhance inclusive and sustainable
urbanization and capacity.
SDG 1: End poverty in all its forms everywhere
SDG 3: Ensure healthy lives and promote well-
being for all at all ages
SDG 4: Quality education for all
SDG 10: Reduced inequalities
By the year 2050, nearly 70% of the global population is
expected to live in urban areas. That fact alone should
be enough to explain the urgency of aligning with UN
SDG 11: Sustainable Cities and Communities. With world
population expected to be near 10 billion, nearly 7
billion people will be living in urban environments. So if
we think there are infrastructure issues now, we may be
headed towards much worse.
7
Methodology
In 2019, we have entered a new era of impact management, one in which social interventions are held to a new standard - a higher
standard of impact assessment.
• Step One: Impact Strategy
Our journey of impact commitment started with B-Corp certification and moved to impact measurement and management with
Sopact. Sopact Impact Cloud® allowed us to align with multiple standards such as Sustainable Development Goals, Impact
Management Project, Aeris, and GIIN-IRIS+. We also followed Actionable Impact Management (AIM) guidebooks to define our
impact strategy.
• Step Two: Metrics
Capital Plus Financial and SoPact defined the outcome and output metrics. Some of the output metrics were defined based on the
data that Capital Plus Financial was already collecting. The outcome metrics were new and based on what is realistic for Capital Plus
Financial to collect from the beneficiaries and within the context of affordable housing.
• Step Three: Data Collection Strategy
We defined the sources of data for each of the metrics, meaning if we needed to summarize the loan system data, for example, to
get the total number of female borrowers, or if we needed to get the data from a survey.
• Step Four: Stakeholder feedback Collection
We selected a set of questions to get a direct feedback from our stakeholders (translated the questions to Spanish as per our
community need) and added additional context. We tested and refined the survey before sending them out to 781 beneficiaries
from communities we served in Texas using Impact Cloud. Initial response was low. To be able to include as many stakeholders’
voice as possible, Sopact inspired Capital Plus Financial to put together a campaign of calling the beneficiaries, and it paid off with
23% responses! (=Confidence level 95%)
• Step Five: Analyzing, Learning, and Demonstrating Impact
Our feedbacks were analyzed and visualized in a dashboard, including all the key outcome and output indicators, and additional
questions that can give Capital Plus Financial initial learnings about their current process and customer satisfaction. It only took 2-3
hours!
Capital Plus Financial will stay ahead of impact measurement wave by utilizing existing technology and tools needed to collect,
assess, and demonstrate the impact. Impact roadmap for Capital Plus is ready, now in the future years to come to bring
accountability with deep impact management.
HOWCHANGEISHAPPENING?
8
Impact Strategy
IMPACT
Achieve socio-economic transformation
through community engagement
Making stable thriving communities
Banking the unbanked and underbanked
MID-TERM OUTCOMES
Stable communities manifested by low violence,
developed small businesses
Healthy communities with improved housing
Economic growth through homeownership
Economic growth through improve education
possibilities
SHORT-TERM OUTPUTS
More first time hispanic homeowners
Residents feel improved education for their kids
Residents feel improved health once in their own
home
Residents feel safe and improved living in their house
Homeowners feel part of the community
ACTIVITIES
Teaching personal financial literacy
Providing a fully remodeled affordable home in low
to moderate income tracts
Providing a no closing cost full term fixed rate loan
Making deposit accounts accessible and available to
LMI customers
OUR INVESTMENT
Loan financing
Training & Education
Persistence hand holding to the first time home buyers
Conventional banking products
9
Capital Plus Financial's
INCLUSIVE COMMUNITIES
10
Housing For All
Powered by
1st Time Buyers
100% HAVE BEEN FIRST TIME
HOMEBUYERS SINCE 2014.
Underserved
OUR PORTFOLIO CONSISTENTLY
INCLUDES BORROWERS WHO
HAVE NEVER HAD A CREDIT.
Female
FEMALE BORROWERS HAVE
REPRESENTED 20% TO 30%
OF OUR PORTFOLIO.
Minority
HISPANIC HOMEOWNERS
HAVE REPRESENTED 90% TO
100% OF OUR PORTFOLIO.
The results represent 5 years of loan data from Texas communities.
94%
FAMILIES
INDICATING THEY
ARE PHYSICALLY
HEALTHIER SINCE
LIVING IN THE
INVESTED
COMMUNITY
HEALTH
11
Capital Plus Financial
collected stakeholder
survey data from the
Texas communities
for Impact Learning
through Impact
Cloud®
(YES)
Powered by
Improvement in student attendance &
EDUCATION
12
Families say their
kids attend school
more regularly
since they live
here.
84%
Financial counselings
per year.
200-225
100%
Applicants get financial
training.(YES)
financial training
Data collected from stakeholders in the Texas communities using the Impact Cloud® survey
Powered by
HOMEOWNERS RATING THEIR FEELING OF SAFETY IN
AND AROUND THEIR HOMES AS SATISFACTORY
SAFETY
90%
SATISFIED
+
VERY
SATISFIED
90%
13
(Very Satisfied) (Satisfied) (Not Satisfied)
Data collected from stakeholders in the Texas communities using the Impact Cloud® survey
84%
FAMILIES REPORT THAT THEY FEEL SUPPORTED IN UTILIZING NATURAL
NETWORKS IN THEIR COMMUNITIES (E.G., FAMILY, FRIENDS, NEIGHBORS,
CHURCHES, COLLEGES, RECREATIONAL SERVICES)
SUPPORT
14
Data collected from stakeholders in the Texas communities using the Impact Cloud® survey
(YES)
Powered by
"I want to say thank you to Mr. Mark for helping us with the purchase of our
home. There were so many tears behind this purchase but in the end there was
tears of joy. Mr Mark is a man of his word and he answered each and every call.
I fought for this home and instead of fight against us, he fought with us. To me
that meant a lot ! He didn’t push us away even when I thought we had lost. Mark
is heaven sent and we thank you from the bottom of our heart. Again Thank you
Capital Plus Financial."
Charlotte Peoples
"Cynthia, thank you so much for helping us get our home. God bless you so you
can help more people."
Eduardo Olivas
"No one wanted to give us a chance to buy a house but thanks Capital Plus
Financial now we are the owners of our house, I highly recommend them."
Melissa S / Benning Dallas
"Very grateful to Mayra and Capital Plus they were the only ones who believed
in us and made our dream come true and now we have our own house something
we always wanted. Thank you very much, thank you from the bottom of our
hearts."
Marina / Arlington
"We are very satisfied with the service provided by Capital Plus Financial,
thanks to them we have our house. I always recommend them because I know
with them you can get your home."
Amparo G / Grand Prairie
YOUBELIEVEDINUS
Whennooneelsedid!
15
A few examples of the many testimonials we have received
FROM THE FIELD
Before
After
16
2019 | Capital Plus Financial
Learnings
Why does it matter? We
know that we follow all
the regulations and have
taken necessary
measures in case of
disaster. As the data
pointed out, we did not
communicated well
about the disaster
measures to have them
feel even more safer!
The learning like this
with our data collection
is our 'WHY'. We are
determined to engage
our stakeholders more
so we can serve them
even better.
WHAT CAN WE DO TO MAKE OUR
STAKEHOLDERS FEEL SAFER?
We learned that 55% of our stakeholders reported that they
did not know much about our disaster measures in case of
earthquake or flood.
Reflecting on our
17
(YES)
(I Need more info)
(Not sure)
Data collected from stakeholders in the Texas communities using the Impact Cloud® survey
NextStep:
StrivingforDeepImpact
We recognized that secure housing is a cornerstone of economic well-being.
Our existing housing system fails to provide our nation’s most vulnerable households access
to safe, affordable, and stable housing. Instead, millions of low-income households live in
very substandard conditions—triggering chronic economic instability that pulls low-income
families deeper into poverty. To be productive and healthy, families and children need safe,
stable housing in neighborhoods that offer access to opportunities for employment and
high-quality schools and services.
How can we help to achieve this system change?
At Capital Plus Financial, we are removing barriers such as not having financial literacy,
required credit, or banking skills as we provide financial training to all of our applicants. We
continuously hold their hand till they are in their home and be able to keep it to move up on
the economic ladder.
We strive to make them feel safe and thrive in their community. Our mega effort on asking
our stakeholders how they feel and then learning from our data is the first step. We know
that making change is a process. We are on our path to digging deeper with social impact
data and change our communication with learnings.
We want to make 100% of our homebuyers feel safe & secure. We hope they thrive in
healthy, happy, stable, and inclusive communities over the years.
18
Contributingto
Solutions
AVOIDING HARM
Capital Plus Financial is acting to avoid harm to its
stakeholders by following regulations and helping
underserved community.
BENEFITING STAKEHOLDERS
We have positive effects on our stakeholders such as
economic stability, improved health, education and
inclusiveness.
CONTRIBUTING TO SOLUTIONS
We are contributing to the solutions for homelessness,
poverty alleviation, health, and education by creating
thriving communities.
19
The Impact Management Project (IMP) is a forum for building global consensus on how to
measure, report, compare and improve impact performance. Depending on their motivation,
enterprises’ intentions range from broad commitments, such as “to mitigate risk”, “to achieve
sustainable long-term financial performance”, or “to leave a positive mark on the world”, to
more detailed objectives such as “to support a specific group of people, place, outcome” or “to
address a specific social or environmental challenge”. These intentions relate to one of three
types of impact: A, B or C.
Our alignment to Impact Management Project
References
http://unsdsn.org/wp-content/uploads/2017/08/US-Cities-SDG-Index-2017.pdf
https://navigatingimpact.thegiin.org/strategy/ah/reduced-homelessness/
http://www.jchs.harvard.edu/state-nations-housing-2018
https://shnny.org/images/uploads/Oregon-SH-Report.pdf
https://nlihc.org/sites/default/files/Gap-Report_2017.pdf
https://buildhealthyplaces.org/downloads/Summarizing-the-Landscape-of-Healthy-
Communities_Full_Report.pdf
https://impactmanagementproject.com/
https://www.energy.gov/eere/why-energy-efficiency-upgrades
Low-income children in affordable housing score better on cognitive development
tests than those in
un-affordable housing (Newman & Holupka, 2015).
https://www.urban.org/aboutus/why-urban/diversity-equity-and-inclusion-
urbanUrban Institute
20
www.sopact.com
Join us in this movement.
www.capitalplusfin.com
Impact Measurement & Management Powered by
www.sopact.com

More Related Content

What's hot

Financial Planning Through Retirement
Financial Planning Through RetirementFinancial Planning Through Retirement
Financial Planning Through RetirementSarah Luheshi
 
Short note on sustainable development
Short note on sustainable developmentShort note on sustainable development
Short note on sustainable developmentClive Bates
 
NPI Evaluation of Huckleberry Youth Programs
NPI Evaluation of Huckleberry Youth ProgramsNPI Evaluation of Huckleberry Youth Programs
NPI Evaluation of Huckleberry Youth ProgramsNonprofit Investor
 
Moneyfacts_March 16_10-13
Moneyfacts_March 16_10-13Moneyfacts_March 16_10-13
Moneyfacts_March 16_10-13Simon Chalk
 
NPI Evaluation of Bill Wilson Center
NPI Evaluation of Bill Wilson CenterNPI Evaluation of Bill Wilson Center
NPI Evaluation of Bill Wilson CenterNonprofit Investor
 
Planning For A Secure Financial Future
Planning For A Secure Financial FuturePlanning For A Secure Financial Future
Planning For A Secure Financial Futurejohn_kistler
 
Strictly Financials 2014: Financial Markets in 2014 - Story Projects by Gary ...
Strictly Financials 2014: Financial Markets in 2014 - Story Projects by Gary ...Strictly Financials 2014: Financial Markets in 2014 - Story Projects by Gary ...
Strictly Financials 2014: Financial Markets in 2014 - Story Projects by Gary ...Reynolds Center for Business Journalism
 
Hacienda CDC, Carlos Garcia: Financial Capability
Hacienda CDC, Carlos Garcia: Financial CapabilityHacienda CDC, Carlos Garcia: Financial Capability
Hacienda CDC, Carlos Garcia: Financial CapabilityNeighborhoodPartnerships
 
White House Neighborhood Revitalization Initiative
White House Neighborhood Revitalization InitiativeWhite House Neighborhood Revitalization Initiative
White House Neighborhood Revitalization InitiativeObama White House
 
NPI evaluation of charity: water
NPI evaluation of charity: waterNPI evaluation of charity: water
NPI evaluation of charity: waterNonprofit Investor
 
Public Sector finance as a catalyst for Private Investment for Development
Public Sector finance as a catalyst for Private Investment for DevelopmentPublic Sector finance as a catalyst for Private Investment for Development
Public Sector finance as a catalyst for Private Investment for DevelopmentPhilip Ansong
 
The case for employee ownership webinar
The case for employee ownership webinarThe case for employee ownership webinar
The case for employee ownership webinarproject-equity
 
CJA breaking news 2015
CJA breaking news 2015 CJA breaking news 2015
CJA breaking news 2015 Karen Minyard
 
The Value Of Advice
The Value Of AdviceThe Value Of Advice
The Value Of AdviceJulieJenkins
 

What's hot (20)

Financial Planning Through Retirement
Financial Planning Through RetirementFinancial Planning Through Retirement
Financial Planning Through Retirement
 
CAAB_AR07_final_web
CAAB_AR07_final_webCAAB_AR07_final_web
CAAB_AR07_final_web
 
Short note on sustainable development
Short note on sustainable developmentShort note on sustainable development
Short note on sustainable development
 
CAAB_AR08_finalweb
CAAB_AR08_finalwebCAAB_AR08_finalweb
CAAB_AR08_finalweb
 
NPI Evaluation of Huckleberry Youth Programs
NPI Evaluation of Huckleberry Youth ProgramsNPI Evaluation of Huckleberry Youth Programs
NPI Evaluation of Huckleberry Youth Programs
 
Moneyfacts_March 16_10-13
Moneyfacts_March 16_10-13Moneyfacts_March 16_10-13
Moneyfacts_March 16_10-13
 
NPI Evaluation of Bill Wilson Center
NPI Evaluation of Bill Wilson CenterNPI Evaluation of Bill Wilson Center
NPI Evaluation of Bill Wilson Center
 
Planning For A Secure Financial Future
Planning For A Secure Financial FuturePlanning For A Secure Financial Future
Planning For A Secure Financial Future
 
Strictly Financials 2014: Financial Markets in 2014 - Story Projects by Gary ...
Strictly Financials 2014: Financial Markets in 2014 - Story Projects by Gary ...Strictly Financials 2014: Financial Markets in 2014 - Story Projects by Gary ...
Strictly Financials 2014: Financial Markets in 2014 - Story Projects by Gary ...
 
Hacienda CDC, Carlos Garcia: Financial Capability
Hacienda CDC, Carlos Garcia: Financial CapabilityHacienda CDC, Carlos Garcia: Financial Capability
Hacienda CDC, Carlos Garcia: Financial Capability
 
Delancey Street Foundation
Delancey Street FoundationDelancey Street Foundation
Delancey Street Foundation
 
Harnessing social finance
Harnessing social financeHarnessing social finance
Harnessing social finance
 
We're Writing a New Story. And it's Pure Michigan.
We're Writing a New Story. And it's Pure Michigan.We're Writing a New Story. And it's Pure Michigan.
We're Writing a New Story. And it's Pure Michigan.
 
White House Neighborhood Revitalization Initiative
White House Neighborhood Revitalization InitiativeWhite House Neighborhood Revitalization Initiative
White House Neighborhood Revitalization Initiative
 
NPI evaluation of charity: water
NPI evaluation of charity: waterNPI evaluation of charity: water
NPI evaluation of charity: water
 
Public Sector finance as a catalyst for Private Investment for Development
Public Sector finance as a catalyst for Private Investment for DevelopmentPublic Sector finance as a catalyst for Private Investment for Development
Public Sector finance as a catalyst for Private Investment for Development
 
The case for employee ownership webinar
The case for employee ownership webinarThe case for employee ownership webinar
The case for employee ownership webinar
 
Connecting Dreams Foundation Impact Report 2020
Connecting Dreams Foundation Impact Report 2020Connecting Dreams Foundation Impact Report 2020
Connecting Dreams Foundation Impact Report 2020
 
CJA breaking news 2015
CJA breaking news 2015 CJA breaking news 2015
CJA breaking news 2015
 
The Value Of Advice
The Value Of AdviceThe Value Of Advice
The Value Of Advice
 

Similar to Capital Plus Finance Social Impact Learning 2019

Civic engagement report 2020 Cornerstone Economics
Civic engagement report 2020 Cornerstone EconomicsCivic engagement report 2020 Cornerstone Economics
Civic engagement report 2020 Cornerstone EconomicsCornerstone Economics
 
How Metics Will Save Economic Development
How Metics Will Save Economic DevelopmentHow Metics Will Save Economic Development
How Metics Will Save Economic DevelopmentAtlas Integrated
 
Good Capital Presentation
Good Capital PresentationGood Capital Presentation
Good Capital PresentationRunway Project
 
A Corporate Presentation on the Lever Fund
A Corporate Presentation on the Lever Fund A Corporate Presentation on the Lever Fund
A Corporate Presentation on the Lever Fund Martin Massiah
 
Three Year Plan: Vancity's strategic plan for 2015 to 2017
Three Year Plan: Vancity's strategic plan for 2015 to 2017Three Year Plan: Vancity's strategic plan for 2015 to 2017
Three Year Plan: Vancity's strategic plan for 2015 to 2017Vancity
 
Use - Measuring Impact to Improve Performance
Use - Measuring Impact to Improve PerformanceUse - Measuring Impact to Improve Performance
Use - Measuring Impact to Improve PerformanceSIAAssociation
 
I-Byte Financial Services April 2021
I-Byte Financial Services April 2021I-Byte Financial Services April 2021
I-Byte Financial Services April 2021EGBG Services
 
Place Matters Presentation by David Williams
Place Matters Presentation by David WilliamsPlace Matters Presentation by David Williams
Place Matters Presentation by David WilliamsNewPublicHealth
 
Disruptive IT leadership for a disruptive age - Andrew Williams, Save the chi...
Disruptive IT leadership for a disruptive age - Andrew Williams, Save the chi...Disruptive IT leadership for a disruptive age - Andrew Williams, Save the chi...
Disruptive IT leadership for a disruptive age - Andrew Williams, Save the chi...Global Business Intelligence
 
SUSTAINABLE INVESTING STRATEGIES: WHY INVESTOR INTEREST CONTINUES - Michael L...
SUSTAINABLE INVESTING STRATEGIES: WHY INVESTOR INTEREST CONTINUES - Michael L...SUSTAINABLE INVESTING STRATEGIES: WHY INVESTOR INTEREST CONTINUES - Michael L...
SUSTAINABLE INVESTING STRATEGIES: WHY INVESTOR INTEREST CONTINUES - Michael L...IFG Network marcus evans
 
Research Report: 2018 - Trends, forecasts and insights into the social inves...
Research Report:  2018 - Trends, forecasts and insights into the social inves...Research Report:  2018 - Trends, forecasts and insights into the social inves...
Research Report: 2018 - Trends, forecasts and insights into the social inves...Next Generation Consultants: Reana Rossouw
 
Community Energy Finance, Leadership and Governance
Community Energy Finance, Leadership and GovernanceCommunity Energy Finance, Leadership and Governance
Community Energy Finance, Leadership and GovernanceLondon, England
 
Overview of Non-Profit and Permaculture with a focus on Ch. 14 Bill Mollison
Overview of Non-Profit and Permaculture with a focus on Ch. 14 Bill MollisonOverview of Non-Profit and Permaculture with a focus on Ch. 14 Bill Mollison
Overview of Non-Profit and Permaculture with a focus on Ch. 14 Bill MollisonWe Are All Farmers Permaculture Institute
 
Investing in Real Estate that Provides Social Value and a Good ROI- John Moli...
Investing in Real Estate that Provides Social Value and a Good ROI- John Moli...Investing in Real Estate that Provides Social Value and a Good ROI- John Moli...
Investing in Real Estate that Provides Social Value and a Good ROI- John Moli...Investments Network marcus evans
 

Similar to Capital Plus Finance Social Impact Learning 2019 (20)

Civic engagement report 2020 Cornerstone Economics
Civic engagement report 2020 Cornerstone EconomicsCivic engagement report 2020 Cornerstone Economics
Civic engagement report 2020 Cornerstone Economics
 
How Metics Will Save Economic Development
How Metics Will Save Economic DevelopmentHow Metics Will Save Economic Development
How Metics Will Save Economic Development
 
Good Capital Presentation
Good Capital PresentationGood Capital Presentation
Good Capital Presentation
 
A Corporate Presentation on the Lever Fund
A Corporate Presentation on the Lever Fund A Corporate Presentation on the Lever Fund
A Corporate Presentation on the Lever Fund
 
20151209 financing for development manuel ancizu
20151209 financing for development   manuel ancizu20151209 financing for development   manuel ancizu
20151209 financing for development manuel ancizu
 
Three Year Plan: Vancity's strategic plan for 2015 to 2017
Three Year Plan: Vancity's strategic plan for 2015 to 2017Three Year Plan: Vancity's strategic plan for 2015 to 2017
Three Year Plan: Vancity's strategic plan for 2015 to 2017
 
Use - Measuring Impact to Improve Performance
Use - Measuring Impact to Improve PerformanceUse - Measuring Impact to Improve Performance
Use - Measuring Impact to Improve Performance
 
2019 b1-akt-impact-report
2019 b1-akt-impact-report2019 b1-akt-impact-report
2019 b1-akt-impact-report
 
I-Byte Financial Services April 2021
I-Byte Financial Services April 2021I-Byte Financial Services April 2021
I-Byte Financial Services April 2021
 
Prsa philly 1.0[1]
Prsa philly 1.0[1]Prsa philly 1.0[1]
Prsa philly 1.0[1]
 
Place Matters Presentation by David Williams
Place Matters Presentation by David WilliamsPlace Matters Presentation by David Williams
Place Matters Presentation by David Williams
 
Disruptive IT leadership for a disruptive age - Andrew Williams, Save the chi...
Disruptive IT leadership for a disruptive age - Andrew Williams, Save the chi...Disruptive IT leadership for a disruptive age - Andrew Williams, Save the chi...
Disruptive IT leadership for a disruptive age - Andrew Williams, Save the chi...
 
SUSTAINABLE INVESTING STRATEGIES: WHY INVESTOR INTEREST CONTINUES - Michael L...
SUSTAINABLE INVESTING STRATEGIES: WHY INVESTOR INTEREST CONTINUES - Michael L...SUSTAINABLE INVESTING STRATEGIES: WHY INVESTOR INTEREST CONTINUES - Michael L...
SUSTAINABLE INVESTING STRATEGIES: WHY INVESTOR INTEREST CONTINUES - Michael L...
 
Innovation and Impact: An overview of development in Africa
Innovation and Impact:  An overview of development in AfricaInnovation and Impact:  An overview of development in Africa
Innovation and Impact: An overview of development in Africa
 
Research Report: 2018 - Trends, forecasts and insights into the social inves...
Research Report:  2018 - Trends, forecasts and insights into the social inves...Research Report:  2018 - Trends, forecasts and insights into the social inves...
Research Report: 2018 - Trends, forecasts and insights into the social inves...
 
Is policy making measuring up? Rethinking how we measure the success of a nation
Is policy making measuring up? Rethinking how we measure the success of a nationIs policy making measuring up? Rethinking how we measure the success of a nation
Is policy making measuring up? Rethinking how we measure the success of a nation
 
Community Energy Finance, Leadership and Governance
Community Energy Finance, Leadership and GovernanceCommunity Energy Finance, Leadership and Governance
Community Energy Finance, Leadership and Governance
 
Overview of Non-Profit and Permaculture with a focus on Ch. 14 Bill Mollison
Overview of Non-Profit and Permaculture with a focus on Ch. 14 Bill MollisonOverview of Non-Profit and Permaculture with a focus on Ch. 14 Bill Mollison
Overview of Non-Profit and Permaculture with a focus on Ch. 14 Bill Mollison
 
15 jan investment-in_sdg
15 jan investment-in_sdg15 jan investment-in_sdg
15 jan investment-in_sdg
 
Investing in Real Estate that Provides Social Value and a Good ROI- John Moli...
Investing in Real Estate that Provides Social Value and a Good ROI- John Moli...Investing in Real Estate that Provides Social Value and a Good ROI- John Moli...
Investing in Real Estate that Provides Social Value and a Good ROI- John Moli...
 

More from SoPact

Ica impact report
Ica impact reportIca impact report
Ica impact reportSoPact
 
IMPACT CONVERSATIONS FOR FOUNDATIONS: LEAN IMPACT METHODOLOGY
 IMPACT CONVERSATIONS FOR FOUNDATIONS: LEAN IMPACT METHODOLOGY IMPACT CONVERSATIONS FOR FOUNDATIONS: LEAN IMPACT METHODOLOGY
IMPACT CONVERSATIONS FOR FOUNDATIONS: LEAN IMPACT METHODOLOGYSoPact
 
HomeKeeper Social Impact Report & Dashboard
HomeKeeper Social Impact Report & DashboardHomeKeeper Social Impact Report & Dashboard
HomeKeeper Social Impact Report & DashboardSoPact
 
Salesforce Automation In NonProfits & Foundations
Salesforce Automation In NonProfits & FoundationsSalesforce Automation In NonProfits & Foundations
Salesforce Automation In NonProfits & FoundationsSoPact
 
Lean impact measurement - Metrics To Impact Reporting Fast
Lean impact measurement - Metrics To Impact Reporting FastLean impact measurement - Metrics To Impact Reporting Fast
Lean impact measurement - Metrics To Impact Reporting FastSoPact
 
TurboMetrics  is a software to collect, store, and assess impact data as well...
TurboMetrics  is a software to collect, store, and assess impact data as well...TurboMetrics  is a software to collect, store, and assess impact data as well...
TurboMetrics  is a software to collect, store, and assess impact data as well...SoPact
 
Impact lab - Technology & Impact Design solutions for mission driven organiza...
Impact lab - Technology & Impact Design solutions for mission driven organiza...Impact lab - Technology & Impact Design solutions for mission driven organiza...
Impact lab - Technology & Impact Design solutions for mission driven organiza...SoPact
 

More from SoPact (7)

Ica impact report
Ica impact reportIca impact report
Ica impact report
 
IMPACT CONVERSATIONS FOR FOUNDATIONS: LEAN IMPACT METHODOLOGY
 IMPACT CONVERSATIONS FOR FOUNDATIONS: LEAN IMPACT METHODOLOGY IMPACT CONVERSATIONS FOR FOUNDATIONS: LEAN IMPACT METHODOLOGY
IMPACT CONVERSATIONS FOR FOUNDATIONS: LEAN IMPACT METHODOLOGY
 
HomeKeeper Social Impact Report & Dashboard
HomeKeeper Social Impact Report & DashboardHomeKeeper Social Impact Report & Dashboard
HomeKeeper Social Impact Report & Dashboard
 
Salesforce Automation In NonProfits & Foundations
Salesforce Automation In NonProfits & FoundationsSalesforce Automation In NonProfits & Foundations
Salesforce Automation In NonProfits & Foundations
 
Lean impact measurement - Metrics To Impact Reporting Fast
Lean impact measurement - Metrics To Impact Reporting FastLean impact measurement - Metrics To Impact Reporting Fast
Lean impact measurement - Metrics To Impact Reporting Fast
 
TurboMetrics  is a software to collect, store, and assess impact data as well...
TurboMetrics  is a software to collect, store, and assess impact data as well...TurboMetrics  is a software to collect, store, and assess impact data as well...
TurboMetrics  is a software to collect, store, and assess impact data as well...
 
Impact lab - Technology & Impact Design solutions for mission driven organiza...
Impact lab - Technology & Impact Design solutions for mission driven organiza...Impact lab - Technology & Impact Design solutions for mission driven organiza...
Impact lab - Technology & Impact Design solutions for mission driven organiza...
 

Recently uploaded

Building a better Britain: How cities like Bradford can help to end economic ...
Building a better Britain: How cities like Bradford can help to end economic ...Building a better Britain: How cities like Bradford can help to end economic ...
Building a better Britain: How cities like Bradford can help to end economic ...ResolutionFoundation
 
Dawson City Rolling Ads for May 15 2024 Yukon
Dawson City Rolling Ads for May 15 2024 YukonDawson City Rolling Ads for May 15 2024 Yukon
Dawson City Rolling Ads for May 15 2024 Yukonpmenzies
 
Finland's mental health policy and its implementation: a CSO perspective
Finland's mental health policy and its implementation: a CSO perspectiveFinland's mental health policy and its implementation: a CSO perspective
Finland's mental health policy and its implementation: a CSO perspectiveKristian Wahlbeck
 
Item # 9- 2nd Qtr Financial & Inv. Report
Item # 9- 2nd Qtr Financial & Inv. ReportItem # 9- 2nd Qtr Financial & Inv. Report
Item # 9- 2nd Qtr Financial & Inv. Reportahcitycouncil
 
PPT Item # 9 2ndQTR Financial & Inv. Report
PPT Item # 9 2ndQTR Financial & Inv. ReportPPT Item # 9 2ndQTR Financial & Inv. Report
PPT Item # 9 2ndQTR Financial & Inv. Reportahcitycouncil
 
PPT Item # 7&8 6900 Broadway P&Z Case # 438
PPT Item # 7&8 6900 Broadway P&Z Case # 438PPT Item # 7&8 6900 Broadway P&Z Case # 438
PPT Item # 7&8 6900 Broadway P&Z Case # 438ahcitycouncil
 
Value, protect, respect and invest in our nuses for a sustainable future for ...
Value, protect, respect and invest in our nuses for a sustainable future for ...Value, protect, respect and invest in our nuses for a sustainable future for ...
Value, protect, respect and invest in our nuses for a sustainable future for ...Christina Parmionova
 
一比一原版新西兰奥塔哥大学毕业证成绩单学位证留信学历认证可查
一比一原版新西兰奥塔哥大学毕业证成绩单学位证留信学历认证可查一比一原版新西兰奥塔哥大学毕业证成绩单学位证留信学历认证可查
一比一原版新西兰奥塔哥大学毕业证成绩单学位证留信学历认证可查4ulkzl7ne
 
PPT Item # 5 -- Announcements Powerpoint
PPT Item # 5 -- Announcements PowerpointPPT Item # 5 -- Announcements Powerpoint
PPT Item # 5 -- Announcements Powerpointahcitycouncil
 
Managing large-scale outbreaks at Farrow-to-Weaner Farms
Managing large-scale outbreaks at Farrow-to-Weaner FarmsManaging large-scale outbreaks at Farrow-to-Weaner Farms
Managing large-scale outbreaks at Farrow-to-Weaner FarmsHarm Kiezebrink
 
Nitrogen filled high expansion foam in open Containers
Nitrogen filled high expansion foam in open ContainersNitrogen filled high expansion foam in open Containers
Nitrogen filled high expansion foam in open ContainersHarm Kiezebrink
 
WhenWomenTakeControl.pdf Yale Historical Review
WhenWomenTakeControl.pdf Yale Historical ReviewWhenWomenTakeControl.pdf Yale Historical Review
WhenWomenTakeControl.pdf Yale Historical Reviewyalehistoricalreview
 
YHRGeorgetown Spring 2024 America should Take Her Share
YHRGeorgetown Spring 2024 America should Take Her ShareYHRGeorgetown Spring 2024 America should Take Her Share
YHRGeorgetown Spring 2024 America should Take Her Shareyalehistoricalreview
 
Electric vehicle infrastructure in rural areas
Electric vehicle infrastructure in rural areasElectric vehicle infrastructure in rural areas
Electric vehicle infrastructure in rural areasRPO America
 
Harbin-Gross-Spring2022.pdf Yale Historical Review
Harbin-Gross-Spring2022.pdf Yale Historical ReviewHarbin-Gross-Spring2022.pdf Yale Historical Review
Harbin-Gross-Spring2022.pdf Yale Historical Reviewyalehistoricalreview
 
Topical Guide for RID 3830 Public Image Training Series.ppsx
Topical Guide for RID 3830 Public Image Training Series.ppsxTopical Guide for RID 3830 Public Image Training Series.ppsx
Topical Guide for RID 3830 Public Image Training Series.ppsxAnbr Cama
 
学校原版(um毕业证书)马来亚大学毕业证电子版学位证书原版一模一样
学校原版(um毕业证书)马来亚大学毕业证电子版学位证书原版一模一样学校原版(um毕业证书)马来亚大学毕业证电子版学位证书原版一模一样
学校原版(um毕业证书)马来亚大学毕业证电子版学位证书原版一模一样xunbfu
 
IEA Global Critical Minerals Outlook2024
IEA Global Critical Minerals Outlook2024IEA Global Critical Minerals Outlook2024
IEA Global Critical Minerals Outlook2024Energy for One World
 
International Day of Families - 15 May 2024 - UNDESA.
International Day of Families - 15 May 2024 - UNDESA.International Day of Families - 15 May 2024 - UNDESA.
International Day of Families - 15 May 2024 - UNDESA.Christina Parmionova
 

Recently uploaded (20)

Building a better Britain: How cities like Bradford can help to end economic ...
Building a better Britain: How cities like Bradford can help to end economic ...Building a better Britain: How cities like Bradford can help to end economic ...
Building a better Britain: How cities like Bradford can help to end economic ...
 
Dawson City Rolling Ads for May 15 2024 Yukon
Dawson City Rolling Ads for May 15 2024 YukonDawson City Rolling Ads for May 15 2024 Yukon
Dawson City Rolling Ads for May 15 2024 Yukon
 
Finland's mental health policy and its implementation: a CSO perspective
Finland's mental health policy and its implementation: a CSO perspectiveFinland's mental health policy and its implementation: a CSO perspective
Finland's mental health policy and its implementation: a CSO perspective
 
Item # 9- 2nd Qtr Financial & Inv. Report
Item # 9- 2nd Qtr Financial & Inv. ReportItem # 9- 2nd Qtr Financial & Inv. Report
Item # 9- 2nd Qtr Financial & Inv. Report
 
The Outlook for the Budget and the Economy
The Outlook for the Budget and the EconomyThe Outlook for the Budget and the Economy
The Outlook for the Budget and the Economy
 
PPT Item # 9 2ndQTR Financial & Inv. Report
PPT Item # 9 2ndQTR Financial & Inv. ReportPPT Item # 9 2ndQTR Financial & Inv. Report
PPT Item # 9 2ndQTR Financial & Inv. Report
 
PPT Item # 7&8 6900 Broadway P&Z Case # 438
PPT Item # 7&8 6900 Broadway P&Z Case # 438PPT Item # 7&8 6900 Broadway P&Z Case # 438
PPT Item # 7&8 6900 Broadway P&Z Case # 438
 
Value, protect, respect and invest in our nuses for a sustainable future for ...
Value, protect, respect and invest in our nuses for a sustainable future for ...Value, protect, respect and invest in our nuses for a sustainable future for ...
Value, protect, respect and invest in our nuses for a sustainable future for ...
 
一比一原版新西兰奥塔哥大学毕业证成绩单学位证留信学历认证可查
一比一原版新西兰奥塔哥大学毕业证成绩单学位证留信学历认证可查一比一原版新西兰奥塔哥大学毕业证成绩单学位证留信学历认证可查
一比一原版新西兰奥塔哥大学毕业证成绩单学位证留信学历认证可查
 
PPT Item # 5 -- Announcements Powerpoint
PPT Item # 5 -- Announcements PowerpointPPT Item # 5 -- Announcements Powerpoint
PPT Item # 5 -- Announcements Powerpoint
 
Managing large-scale outbreaks at Farrow-to-Weaner Farms
Managing large-scale outbreaks at Farrow-to-Weaner FarmsManaging large-scale outbreaks at Farrow-to-Weaner Farms
Managing large-scale outbreaks at Farrow-to-Weaner Farms
 
Nitrogen filled high expansion foam in open Containers
Nitrogen filled high expansion foam in open ContainersNitrogen filled high expansion foam in open Containers
Nitrogen filled high expansion foam in open Containers
 
WhenWomenTakeControl.pdf Yale Historical Review
WhenWomenTakeControl.pdf Yale Historical ReviewWhenWomenTakeControl.pdf Yale Historical Review
WhenWomenTakeControl.pdf Yale Historical Review
 
YHRGeorgetown Spring 2024 America should Take Her Share
YHRGeorgetown Spring 2024 America should Take Her ShareYHRGeorgetown Spring 2024 America should Take Her Share
YHRGeorgetown Spring 2024 America should Take Her Share
 
Electric vehicle infrastructure in rural areas
Electric vehicle infrastructure in rural areasElectric vehicle infrastructure in rural areas
Electric vehicle infrastructure in rural areas
 
Harbin-Gross-Spring2022.pdf Yale Historical Review
Harbin-Gross-Spring2022.pdf Yale Historical ReviewHarbin-Gross-Spring2022.pdf Yale Historical Review
Harbin-Gross-Spring2022.pdf Yale Historical Review
 
Topical Guide for RID 3830 Public Image Training Series.ppsx
Topical Guide for RID 3830 Public Image Training Series.ppsxTopical Guide for RID 3830 Public Image Training Series.ppsx
Topical Guide for RID 3830 Public Image Training Series.ppsx
 
学校原版(um毕业证书)马来亚大学毕业证电子版学位证书原版一模一样
学校原版(um毕业证书)马来亚大学毕业证电子版学位证书原版一模一样学校原版(um毕业证书)马来亚大学毕业证电子版学位证书原版一模一样
学校原版(um毕业证书)马来亚大学毕业证电子版学位证书原版一模一样
 
IEA Global Critical Minerals Outlook2024
IEA Global Critical Minerals Outlook2024IEA Global Critical Minerals Outlook2024
IEA Global Critical Minerals Outlook2024
 
International Day of Families - 15 May 2024 - UNDESA.
International Day of Families - 15 May 2024 - UNDESA.International Day of Families - 15 May 2024 - UNDESA.
International Day of Families - 15 May 2024 - UNDESA.
 

Capital Plus Finance Social Impact Learning 2019

  • 1. SOCIAL IMPACT LEARNINGS 2019 Providing Affordable Housing & Financing for Families
  • 2. Why Measure Our Impact? As a publicly traded social enterprise we have the dual responsibility of scaling a sustainable enterprise which builds shareholder value and equally important, measures the impact we deliver to our stakeholders and communities. Measuring impact not only provides us with current metrics but challenges us to expand the impact we can provide and pushes us to come up with more financial solutions for the unbanked and underbanked. Financial inclusion is a comprehensive issue that the entire banking and financial sector should embrace and solve. We are happy to do our small part. We started assessing impact not because we owe it to our investors, but because we exist for our beneficiaries, and it is the latter whom our impact evaluation is ultimately serving. Eric Donnelly CEO, Capital Plus Financial Listening to Our Stakeholders
  • 3. Index Introduction Mission Aligning to Global Goals Methodology Impact Strategy Housing For All Inclusive Communities Health Education Safety Support You Believed in Us Testimonials From the Field Reflecting on Our Learnings Striving for Deep Impact Impact Management Project Contributing to the Solutions References 10 11 12 13 14 15 16 17 18 19 20 Listening to Our Stakeholders 5 6 7 8 9
  • 4. Housing has always played an essential role in shaping the life cycle outcomes for each member of a household. It is a well researched and proven concept that your zip code can impact what kind of job you will have, which school your children will attend, who you will network with, how long you will live, quality of your health, and your economic growth. In order to continually improve, we must be able to credibly measure and quantify the impact of our efforts. We seek quantitative and qualitative results, accountability and significant data insights so that we can assess what works and what doesn’t. This will enable us to scale our efforts and provide more value to our stakeholders. 4 HEALTHY STABLE INCLUSIVE THRIVING COMMUNITIES At Capital Plus Financial, we want to provide upward economic mobility for everyone. We have taken many steps already to improve stability, health, and education within our community so that each resident feel that opportunity is within reach, and we need your help.
  • 5. InvestinginThriving Communities Introduction Bridging the gap between public and private funding to grow smaller CDFIs doing incredible work in the communities. Capital Plus Financial was originally formed in 1992 to provide mortgage financing within the state of Texas. Over the span of its life, the Company has evolved to serve the Hispanic population by providing credit that is otherwise unavailable. Capital Plus Financial has injected over $250 million into underserved communities and populations in Texas. Capital Plus is committed to continuing to serve communities in which it has a history of 25 years as well as expand its reach to serve its increasing beneficiary base. In 2017, Capital Plus Financial, through its ownership by Crossroads Systems Inc., became a publicly traded Community Development Financial Institution (CDFI). This was a tremendous advancement for the industry and a testament to achieving the balance between impacting communities and building shareholder value. Our U.S. Treasury certification allows us to further leverage long standing banking relationships to jointly tackle the important issue of uplifting communities. We provide financing and home ownership to the underserved market populations we serve in Texas. We aim to lead and influence the industry into a broader impact investment landscape where capital market solutions and public dollar leverage the transformative work CDFIs do across the country. 5
  • 6. As a certified community development financial institution (CDFI), Capital Plus Financial provides capital to markets identified as underserved by the community. Capital Plus Financial focuses on homeownership in these underserved markets which will result in positive economic and social impact to the community. Capital Plus Financial originates first lien residential mortgages in low-to-moderate income communities across Texas. Capital Plus Financial lends to low-to-moderate income documented Hispanic borrowers. Approximately 50% of our borrowers have no credit score and the majority are first time homeowners. MISSION HOW HOUSING IMPACTS FAMILIES -THE GIIN, NAVIGATION IMPACT "Investments in housing can lead to improved physical and mental health, healthier childhood development, reduced government spending, improved standard of living, improved community health, and stronger local economies." 6
  • 7. Sustainable Development Goals (UN SDG) The 2030 Agenda for Sustainable Development, adopted by all United Nations Member States in 2015, provides a shared blueprint for peace and prosperity for people and the planet, now and into the future. There are 17 Sustainable Development Goals (SDGs), which are an urgent call for action by all countries - developed and developing - in a global partnership. They recognize that ending poverty and other deprivations must go hand-in-hand with strategies that improve health and education, reduce inequality, and spur economic growth – all while tackling climate change and working to preserve our oceans and forests. All 17 SDGs have set number of Targets and each Target has well defined indicators. Aligning Capital Plus Financial to the Goals SDG 11: Make cities inclusive, safe, resilient and sustainable. Targets: 11.1 By 2030, ensure access for all to adequate, safe, and affordable housing and basic services. 11.3 By 2030, enhance inclusive and sustainable urbanization and capacity. SDG 1: End poverty in all its forms everywhere SDG 3: Ensure healthy lives and promote well- being for all at all ages SDG 4: Quality education for all SDG 10: Reduced inequalities By the year 2050, nearly 70% of the global population is expected to live in urban areas. That fact alone should be enough to explain the urgency of aligning with UN SDG 11: Sustainable Cities and Communities. With world population expected to be near 10 billion, nearly 7 billion people will be living in urban environments. So if we think there are infrastructure issues now, we may be headed towards much worse. 7
  • 8. Methodology In 2019, we have entered a new era of impact management, one in which social interventions are held to a new standard - a higher standard of impact assessment. • Step One: Impact Strategy Our journey of impact commitment started with B-Corp certification and moved to impact measurement and management with Sopact. Sopact Impact Cloud® allowed us to align with multiple standards such as Sustainable Development Goals, Impact Management Project, Aeris, and GIIN-IRIS+. We also followed Actionable Impact Management (AIM) guidebooks to define our impact strategy. • Step Two: Metrics Capital Plus Financial and SoPact defined the outcome and output metrics. Some of the output metrics were defined based on the data that Capital Plus Financial was already collecting. The outcome metrics were new and based on what is realistic for Capital Plus Financial to collect from the beneficiaries and within the context of affordable housing. • Step Three: Data Collection Strategy We defined the sources of data for each of the metrics, meaning if we needed to summarize the loan system data, for example, to get the total number of female borrowers, or if we needed to get the data from a survey. • Step Four: Stakeholder feedback Collection We selected a set of questions to get a direct feedback from our stakeholders (translated the questions to Spanish as per our community need) and added additional context. We tested and refined the survey before sending them out to 781 beneficiaries from communities we served in Texas using Impact Cloud. Initial response was low. To be able to include as many stakeholders’ voice as possible, Sopact inspired Capital Plus Financial to put together a campaign of calling the beneficiaries, and it paid off with 23% responses! (=Confidence level 95%) • Step Five: Analyzing, Learning, and Demonstrating Impact Our feedbacks were analyzed and visualized in a dashboard, including all the key outcome and output indicators, and additional questions that can give Capital Plus Financial initial learnings about their current process and customer satisfaction. It only took 2-3 hours! Capital Plus Financial will stay ahead of impact measurement wave by utilizing existing technology and tools needed to collect, assess, and demonstrate the impact. Impact roadmap for Capital Plus is ready, now in the future years to come to bring accountability with deep impact management. HOWCHANGEISHAPPENING? 8
  • 9. Impact Strategy IMPACT Achieve socio-economic transformation through community engagement Making stable thriving communities Banking the unbanked and underbanked MID-TERM OUTCOMES Stable communities manifested by low violence, developed small businesses Healthy communities with improved housing Economic growth through homeownership Economic growth through improve education possibilities SHORT-TERM OUTPUTS More first time hispanic homeowners Residents feel improved education for their kids Residents feel improved health once in their own home Residents feel safe and improved living in their house Homeowners feel part of the community ACTIVITIES Teaching personal financial literacy Providing a fully remodeled affordable home in low to moderate income tracts Providing a no closing cost full term fixed rate loan Making deposit accounts accessible and available to LMI customers OUR INVESTMENT Loan financing Training & Education Persistence hand holding to the first time home buyers Conventional banking products 9 Capital Plus Financial's
  • 10. INCLUSIVE COMMUNITIES 10 Housing For All Powered by 1st Time Buyers 100% HAVE BEEN FIRST TIME HOMEBUYERS SINCE 2014. Underserved OUR PORTFOLIO CONSISTENTLY INCLUDES BORROWERS WHO HAVE NEVER HAD A CREDIT. Female FEMALE BORROWERS HAVE REPRESENTED 20% TO 30% OF OUR PORTFOLIO. Minority HISPANIC HOMEOWNERS HAVE REPRESENTED 90% TO 100% OF OUR PORTFOLIO. The results represent 5 years of loan data from Texas communities.
  • 11. 94% FAMILIES INDICATING THEY ARE PHYSICALLY HEALTHIER SINCE LIVING IN THE INVESTED COMMUNITY HEALTH 11 Capital Plus Financial collected stakeholder survey data from the Texas communities for Impact Learning through Impact Cloud® (YES) Powered by
  • 12. Improvement in student attendance & EDUCATION 12 Families say their kids attend school more regularly since they live here. 84% Financial counselings per year. 200-225 100% Applicants get financial training.(YES) financial training Data collected from stakeholders in the Texas communities using the Impact Cloud® survey Powered by
  • 13. HOMEOWNERS RATING THEIR FEELING OF SAFETY IN AND AROUND THEIR HOMES AS SATISFACTORY SAFETY 90% SATISFIED + VERY SATISFIED 90% 13 (Very Satisfied) (Satisfied) (Not Satisfied) Data collected from stakeholders in the Texas communities using the Impact Cloud® survey
  • 14. 84% FAMILIES REPORT THAT THEY FEEL SUPPORTED IN UTILIZING NATURAL NETWORKS IN THEIR COMMUNITIES (E.G., FAMILY, FRIENDS, NEIGHBORS, CHURCHES, COLLEGES, RECREATIONAL SERVICES) SUPPORT 14 Data collected from stakeholders in the Texas communities using the Impact Cloud® survey (YES) Powered by
  • 15. "I want to say thank you to Mr. Mark for helping us with the purchase of our home. There were so many tears behind this purchase but in the end there was tears of joy. Mr Mark is a man of his word and he answered each and every call. I fought for this home and instead of fight against us, he fought with us. To me that meant a lot ! He didn’t push us away even when I thought we had lost. Mark is heaven sent and we thank you from the bottom of our heart. Again Thank you Capital Plus Financial." Charlotte Peoples "Cynthia, thank you so much for helping us get our home. God bless you so you can help more people." Eduardo Olivas "No one wanted to give us a chance to buy a house but thanks Capital Plus Financial now we are the owners of our house, I highly recommend them." Melissa S / Benning Dallas "Very grateful to Mayra and Capital Plus they were the only ones who believed in us and made our dream come true and now we have our own house something we always wanted. Thank you very much, thank you from the bottom of our hearts." Marina / Arlington "We are very satisfied with the service provided by Capital Plus Financial, thanks to them we have our house. I always recommend them because I know with them you can get your home." Amparo G / Grand Prairie YOUBELIEVEDINUS Whennooneelsedid! 15 A few examples of the many testimonials we have received
  • 16. FROM THE FIELD Before After 16 2019 | Capital Plus Financial
  • 17. Learnings Why does it matter? We know that we follow all the regulations and have taken necessary measures in case of disaster. As the data pointed out, we did not communicated well about the disaster measures to have them feel even more safer! The learning like this with our data collection is our 'WHY'. We are determined to engage our stakeholders more so we can serve them even better. WHAT CAN WE DO TO MAKE OUR STAKEHOLDERS FEEL SAFER? We learned that 55% of our stakeholders reported that they did not know much about our disaster measures in case of earthquake or flood. Reflecting on our 17 (YES) (I Need more info) (Not sure) Data collected from stakeholders in the Texas communities using the Impact Cloud® survey
  • 18. NextStep: StrivingforDeepImpact We recognized that secure housing is a cornerstone of economic well-being. Our existing housing system fails to provide our nation’s most vulnerable households access to safe, affordable, and stable housing. Instead, millions of low-income households live in very substandard conditions—triggering chronic economic instability that pulls low-income families deeper into poverty. To be productive and healthy, families and children need safe, stable housing in neighborhoods that offer access to opportunities for employment and high-quality schools and services. How can we help to achieve this system change? At Capital Plus Financial, we are removing barriers such as not having financial literacy, required credit, or banking skills as we provide financial training to all of our applicants. We continuously hold their hand till they are in their home and be able to keep it to move up on the economic ladder. We strive to make them feel safe and thrive in their community. Our mega effort on asking our stakeholders how they feel and then learning from our data is the first step. We know that making change is a process. We are on our path to digging deeper with social impact data and change our communication with learnings. We want to make 100% of our homebuyers feel safe & secure. We hope they thrive in healthy, happy, stable, and inclusive communities over the years. 18
  • 19. Contributingto Solutions AVOIDING HARM Capital Plus Financial is acting to avoid harm to its stakeholders by following regulations and helping underserved community. BENEFITING STAKEHOLDERS We have positive effects on our stakeholders such as economic stability, improved health, education and inclusiveness. CONTRIBUTING TO SOLUTIONS We are contributing to the solutions for homelessness, poverty alleviation, health, and education by creating thriving communities. 19 The Impact Management Project (IMP) is a forum for building global consensus on how to measure, report, compare and improve impact performance. Depending on their motivation, enterprises’ intentions range from broad commitments, such as “to mitigate risk”, “to achieve sustainable long-term financial performance”, or “to leave a positive mark on the world”, to more detailed objectives such as “to support a specific group of people, place, outcome” or “to address a specific social or environmental challenge”. These intentions relate to one of three types of impact: A, B or C. Our alignment to Impact Management Project
  • 21. www.sopact.com Join us in this movement. www.capitalplusfin.com Impact Measurement & Management Powered by www.sopact.com