DocumentsDate added
Marva Williams and Sharyl Hudson
This report documents the asset development programs of five community development credit unions and illustrates the several diverse strategies to empower lower-income people to develop modest assets. Case studies include Central Appalachian Peoples FCU, Quitman County FCU, Northeast Community FCU, Progressive Neighborhood FCU, and Zion United Credit Union.
Daniel Immergluck
An analysis comparing the residents of a modest-income urban
neighborhood to jobs in and around the neighborhood, utilizing
specialized census data showing how many residents work in and around
the neighborhood. The study provides evidence supporting the importance
to local residents of economic activity in city neighborhoods.
Marva Williams
This alert describes how the Financial Services Task Force of the
Chicago CRA Coalition, in partnership with Chicago area banks, is
expanding opportunities for lower-income consumers to establish deposit
accounts, improve their financial literacy, and develop assets.
Kimbra Neiman and Malcolm Bush
Evaluates a variety of strategies for tackling the shortage of affordable rental housing, particularly as these strategies would impact small "mom and pop" owners of rental housing. Looks at an "average" cash flow statement of a Chicago owner with a 24 unit building to illustrate the impacts.
Marva Williams Analyzes the diverse impacts and contributions of eight community development credit unions (CDCUs) in different economic, institutional, geographic, and demographic settings. It is designed to help CDCUs develop and implement new community development programs and form collaborations with community organizations, intermediaries, trade associations, and banks.
Malcolm Bush, Kathryn Tholin, and Daniel Immergluck
Describes some of the key features of the proposed 1994 CRA regulation and the advantaages and disadvantages.
Marva Williams and Kathryn Smolik
This report uses public court files to document the loan terms, conditions, and litigation tactics of one of the largest payday lenders in Illinois. The findings are based on a sample of 444 debt collection cases filed against payday loan customers.
Malcolm Bush
This paper takes advantage of an unusually detailed family and youth survey conducted by the Institute for the Study of Work and Society (IETS) in Rio de Janeiro in the low-income community of Caju close to downtown Rio. It describes the weak educational background of Caju youth and some of the reasons for that weakness. The results emphasize the precarious nature of low-income youth’s educational achievements and their attachment to the job market. They also demonstrate the wide variance in youth characteristics even in a single low-income neighborhood.
Malcolm Bush and Cynthia Bianchi
Between 1990 and 1996 there was a large increase
in the number of lower-income home buyers in the Chicago region. This
good news is tempered by the facts of where these households were able
to purchase homes. Most of them bought in Chicago and suburban Cook
County. Unless lower-income buyers have a choice of homes throughout
the six-county region, they will not gain the full benefits of
homeownership.