Indepth analysis of persistant problems in the field of community development. Woodstock's research reports contribute to the body of knowledge used by policymakers and community development practitioners.
Describes the regulatory and other industry trends that impact the penetration of lower-income markets by credit unions. The report recommends that the Community Reinvestment Act (CRA) be amended to include credit unions.
This report analyzes 2002 IRS tax return data to determine the impact of refund anticipation loan usage among EITC recipients in communities across Illinois. The report also calculates the total amount of EITC dollars spent on high cost tax preparation and refund anticipation loan products in these same areas.
This report summarizes an 18-month evaluation of the
affordable payday loan alternative products offered by six community development credit unions. In
addition to describing loan activity, the report identifies the financial and
operational factors that account for the program's success.
An analysis by Woodstock Institute of Chicago area foreclosures show that foreclosure filings in the region grew at an alarming rate in 2006 and have reached their highest point in recent memory.
The report includes ten case studies of community finance initiatives in the US and the EU. These highlight the different features of community finance organisations, their target group and their core activities in order to identify what aspects of their operation are integral to creating successful interventions in deprived communities. The objective of these case studies is to highlight particular aspects of their activities and operating environment that are instructive for CDF in the UK.
Woodstock Institute provided case studies of US CDFIs.
