Using the tool of social network analysis, this report by MDRC offers preliminary insights into the conditions for more successful collective action by examining the distribution of power among local actors, the ties between more distant organizations and a core of activity, and the depth of community partnerships.
In a new study from Duke University’s Center for Advanced Hindsight, behavioral science takes center stage, as researchers consider what motivates clients at LISC Financial Opportunity Centers and offer new ways to increase retention in the program so that more people have the chance to improve their financial outlook.
In this report, the Community Preservation Corporation describes how mortgage lenders can help building owners incorporate efficiency measures into their projects and improve their financial performance.
Low-income people often find that poor credit scores, or no scores at all, prevent them from obtaining affordable consumer credit. Beginning in 2010, LISC, with the input of many of its partners–created and piloted a credit building loan product called Twin Accounts. In this paper, LISC researchers compare the outcomes of Twin Accounts borrowers with other, statistically-matched, clients of LISC-supported Financial Opportunity Centers who did not open such accounts to find out whether their scores, in fact, improved.
An independent study has found that Financial Opportunity Center clients, who access a range of services, have more success meeting their financial goals than people in programs offering employment assistance alone. Their gains include landing and keeping a job, growing credit and increasing annual earnings. The research findings will help LISC refine and propel its financial stability work on behalf of low-income Americans.