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.
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.
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.
This alert examines the service test evaluations of Chicago area large banks and thrifts to determine what information on services is collected and analyzed during the test procedures and looks at how regulators use these data to assess service test performance. The alert also discusses the limitations of the available data and makes recommendations for steps that might be taken to improve the effectiveness of the service test performance evaluation.
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.
Jim Campen, Saara Nafici, Adam Rust, Geoff Smith, Kevin Stein, and Barbara van Kerkhove
This report demonstrates that African-American and Latino borrowers are paying more than their white counterparts for home purchase loans in six geographic areas: Boston, Charlotte, Chicago, Los Angeles, New York, and Rochester. This review of federal lending data shows dramatic disparities. For example, in New York, African-American borrowers were five times more likely to receive higher-cost home purchase loans than were white borrowers.
