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Journal Article
CDCs: What Does Success Look Like?
Axel-Lute, Miriam (2014-07)
Community development corporations (CDCs) understand that they have differing roles in differing contexts, depending on whether they are working with a high-vacancy, seriously depressed area where many residents and businesses do not want to stay; a rapidly gentrifying neighborhood; or a traditionally exclusionary suburb. The roles that CDCs play were explored in two sessions at the Reinventing Older Communities conference: The Future of CDCs: Three Compelling Visions and Measuring the Impact of CDCs.
Cascade , Volume 2

Journal Article
The Burden of High Housing Costs
McCue, Daniel (2015-01)
Five years after the official end of the recession, households are still reeling financially. Indeed, while September marked a milestone for the unemployment rate, which dropped below 6 percent for the first time in six years, the median household income at last measure was still languishing at its lowest level in nearly 20 years, after adjusting for inflation. At the same time, rents are rising. Fallout from the housing crisis has slowed the movement into homeownership and driven up the demand for rentals more quickly and sharply than the supply is growing, resulting in tight markets, higher ...
Cascade , Volume 1

Journal Article
Mapping Our Community: Philanthropic Grant Funding for Community and Economic Development in the Third District
DeMaria, Kyle (2016-10)
Along with public sources of funding, philanthropic capital can be a critical source of support for the community and economic development (CED) work of nonprofit organizations. Research by the Federal Reserve Banks of Philadelphia and Atlanta examined CED grants disbursed to recipients in U.S. metro areas between 2008 and 2013, and identified characteristics that help to explain the ability of certain metro areas to attract more philanthropic funding than others. The authors examined grants for more traditional CED projects (e.g., housing rehabilitation, urban development, financial ...
Cascade , Volume 4

Journal Article
Student Loans: A Primer
Hylands, Thomas (2014-01)
On average, higher education is a great investment: The average person with a four-year degree earns substantially more than the average high school graduate, and the cost of that degree is well below the financial benefits that are derived. However, borrowing to pay for education has risen dramatically in recent years, with outstanding student debt recently passing $1 trillion, which is almost four times the debt incurred in 2004. Today, an increasingly large number of borrowers are unable to make their student loan payments,4 which raises concerns about what this means for individuals and ...
Cascade , Volume 1

Journal Article
Building CDFI Capacity in Lending and Business Models
DeGraff Porter, Pamela (2013-10)
Over the past three decades, community development financial institutions (CDFIs) have been nimble innovators, offering products and services to people, projects, and organizations that mainstream financial institutions could not or would not serve. They opened new lending pathways to address some of the most stubborn challenges facing poor communities across the country. The focus of CDFIs was originally on financing affordable housing and then shifted in recent years to financing schools and child-care centers, healthful food markets, small and microbusinesses, and community health centers.
Cascade , Volume 2

Journal Article
Addressing Bias and Equity in Hiring
Putnam, Ashley (2018-04)
While unemployment is decreasing and the economy is improving, not all people are benefiting equally from economic growth, a problem something multiple fields are trying to address. In workforce development, most proposed solutions focus on supply-side interventions. Indeed, surveys of businesses demonstrate that many employers are facing a skills gap when looking for qualified talent. Even with increased digital skills, improved training programs, and more employer engagement in developing a curriculum, however, a major barrier to job seekers still remains the same: will they be hired
Cascade , Volume 1

Journal Article
Using Tax-Time Savings Programs to Build Assets
Daniel, Hochberg (2014-01)
The recent financial crisis and subsequent recession had a debilitating effect on the wealth of many American families. In a report produced by the Federal Reserve Bank of St. Louis, it was estimated that household wealth declined 26 percent from its peak in 2007 to the trough in 2009. Not surprisingly, low- and moderate-income (LMI) families, who were already struggling financially prior to the crisis, were among the hardest hit. In 2008, nearly 30 percent of low-income families had zero or negative net worth.
Cascade , Volume 1

Journal Article
Economic Implications of Natural Gas Drilling in the Marcellus Shale Region
Murphy, Thomas; Kelsey, Timothy (2011-04)
The recent onset of drilling for natural gas in the Marcellus shale region is having a major impact on businesses, residents, and communities in Pennsylvania. According to Pennsylvania?s Department of Environmental Protection, since 2007 approximately 2,400 wells have been drilled in Pennsylvania to extract natural gas from the Marcellus shale formation, with the number expanding exponentially every year. More than 100 energy companies and related subcontracting firms have moved to Pennsylvania and are now active within the Marcellus shale region, bringing significant employment and business ...
Cascade , Volume 2

Journal Article
CDFIs: Intermediaries for Financing to Low-Income Communities
Donald, Hinkle-Brown (2013-10)
In communities across America, community development financial institutions (CDFIs) successfully connect the ?last mile? of the financial credit chain. Just as local cell phone towers across the country connect cellular networks to local users, CDFIs connect larger and remote sources of capital to local communities. CDFIs act as intermediaries of capital to advance their missions, proving that responsible investing can build incomes, assets, and wealth in low-income communities. Increasingly, CDFIs also intermediate market data and other information necessary for successful investments in the ...
Cascade , Volume 2

Journal Article
Spotlight on Research: Cities for Financial Empowerment Effort
Smith, Marvin M. (2014-01)
During periods of economic hardship, virtually all segments of the population are adversely affected. While many individuals eventually make strides in recovering financially, some are not as fortunate. The less fortunate are not only unable to effectively improve their financial well-being but they also have difficulty contributing to the revitalization of their communities. In order to assist those in this sector, it is imperative to understand the factors that contribute to the difficulties they encounter in improving their plight, to pinpoint strategies to aid in their endeavor, and to ...
Cascade , Volume 1

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