Publications

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Inventing Products to Serve the Underbanked
Issue Date: 2013-10-18

Moderator: Stacy Augustine, CU Strategic Planning
Panelists: Cindy Gribben, Natco FCU; DeAndre Zachery, Shreveport FCU; and Alycia Juvik, CU Strategic Planning

Credit unions were founded to provide “working class folk” access to affordable credit. Groups of individuals at churches, schools, and offices pooled money to give each other loans. They were pioneers, inventing products to serve neighbors and colleagues. Why is the credit union “consumer as the owner” cooperative business model a Petri dish for innovation? You'll gain insights into this question from a panel of innovators from Natco FCU, Shreveport FCU and Hawaii First FCU’s Community Resource Center. You’ll take away three things from this session: 1) New product, process, and policy ideas to implement at your CDFI, including model underwriting and collections policies; 2) Insights on how to link innovative development services to qualify the underbanked for loan products they otherwise would not have access to; and 3) How to design products and services with broad community development impacts by using proven research methodologies like Hawaii FCU's First Voice process for product and service invention to determine the challenges and needs of both partner community based organizations and the clients they serve.

Track: Credit Union
Level: General

Cost:
FREE

Improving Outcomes with Behavioral Economics
Issue Date: 2013-10-18

Moderator: Pamela Chan, CFED
Panelists: Matt Darling, ideas42; Catherine Meyrat, InnoStratX - Innovative Strategies for Expansion; Brigid Brannigan, Neighborhood Trust Financial Partners; and Pahniti Tosuksri, Cleveland Housing 

Behavioral economics draws from economics and psychology to provide insight into human nature. These insights help us understand why and how people make decisions about their finances. Increasingly, community development and asset building organizations are incorporating research from behavioral economics into their products and services to encourage client behaviors that better match organizational goals. This panel explores what behavioral economics is, why and how organizations are incorporating behavioral insights into their product and service designs, and how to start similar practices in your organization. Specifically, the panel will highlight recent efforts of the Neighborhood Trust Financial Partners to improve account usage and Cleveland Housing Network to improve on-time rent payments. Session participants can offer their organizational challenges for the panel to problem-solve in a demonstration of how to start thinking from a behaviorally informed lens.

Track: Consumer Finance 
Level: General

Cost:
FREE

Financial Statements Standards and Best Practices
Issue Date: 2013-10-18

Presenters: Beth Lipson and Fran Lutz, Opportunity Finance Network; Owen Gray, Novagradac & Company LLP; Bonnie Scadova, New Hampshire Community Loan Fund; and Suzanne Aloi, The Reinvestment Fund 

Calling all CDFI CFOs and Accounting Managers to join a discussion about financial statements standards and best practices. Provide input to a newly-formed CDFI Financial Statement Working Group that's working to improve the consistency, clarity, and transparency of non-profit CDFI financial statements. Representatives of the Working Group will discuss the Group's work and lead a discussion of two critically important topics: net assets/grants and portfolio presentation.

Track: Organizational Capacity
Level: General 

Cost:
FREE

New Products in Consumer Financial Services
Issue Date: 2013-10-17

Moderator: Joshua Sledge, Center for Financial Services Innovation
Panelists: Sheri Flanigan-Vazquez, Justine Peterson; Bob Annibale, Citi; Steve Zuckerman Self-Help; and Jose Quinonez, Mission Asset Fund

This session covers new consumer financial services products that CDFIs have developed to address individuals and families that are underserved by conventional financial institutions. Drawing on two case studies developed for the Scaling Up Microfinance curriculum, the session focuses on products such as small dollar loans and secured credit cards, and the processes that CDFIs have undertaken to develop successful products.

Track: Consumer Finance 
Level: General 

Cost:
FREE

Credit Union Alternatives to High-Cost Payday Loans
Issue Date: 2013-10-17

Moderator: Melanie Stern, National Federation of CDCUs 
Panelists: Alex Horowitz, Pew Charitable Trusts; Nicole Pendelton, Freedom First FCU; and Sarah Marshall, North Side FCU

The payday industry and other high-cost lenders continue to drain wealth from communities and individuals, taking advantage of the small dollar credit needs of low and moderate income borrowers. This workshop will explore Pew Charitable Trust’s cutting-edge research on the reasons people borrow from payday lenders, community responses, and innovative, responsible alternative loan product solutions that credit unions can offer to this population.

Track: Credit Union
Level: General 

Cost:
FREE

Character Can’t Tell the Story: Mitigating Risk in a Changed Lending Environment
Issue Date: 2013-10-17

Moderator: Terry Burks, Equifax
Panelists: Michael Stefanick, Equifax and Bonnie Bowling, Access to Capital for Entrepreneurs 

In lending days of old, you could rely on the three C’s for mitigating risk: character, collateral, and cash. In today’s lending environment, relying on character can get you into trouble – you need to focus on the facts. This session will provide insights into a major credit agency’s recent analysis of the current market landscape for microenterprises, including risk and growth trends; outline critical factors for identifying and managing risk in your microenterprise loan portfolio; and show you how leveraging a new automated underwriting system can drive efficiency in your loan origination processes. You’ll hear from a CDFI microlender who's adopted the technology and achieved significant loan growth as a result.

Track: Organizational Capacity
Level: General

Cost:
FREE

Fast and Furious
Issue Date: 2013-10-17

Moderator: Debby Stefaniak, Opportunity Finance Network

Panelists: Stefanie Arck, Opportunity Finance Network; Nick Burstein, Opportunity Finance Network; Demetric Duckett, TruFund; Andrew Schultz, Garfield Group; Sherry Simmons, Northern CA Community Loan Fund; Allison Starkey, Wells Fargo; Steve Varnum, New Hampshire Community Loan Fund

 

TED gives presenters 18 minutes to make their case—our marketing and communications experts only need eight! See eight communications professionals present eight tools or best practices in this engaging and fast paced session. Topics include: Social Media in Five Minutes a Day; Crisis Communications Readiness; Responsive Web Design; Tell Me a Story!; Be Bold with your Marketing; Designs That Scale; How to be an Effective Co-Brand Partner

Track: Strategic Communications
Level: General

Cost:
FREE

CDFI Bond Guarantee Program: Application Basics
Issue Date: 2013-10-17

Presenter: Cathy Dolan, Opportunity Finance Network

The CDFI Bond Guarantee Program is live and Guarantee Authority will be available in fiscal year 2014. If you are interested in applying or want to learn more to decide whether to apply, this session is for you. You’ll learn all the basics: what the CDFI Bond Guarantee Program offers, how your organization can benefit, program eligibility requirements, and what to consider in putting together an application. Don’t miss out! Get informed today.

Track: Financial Resources
Level: General

Cost:
FREE

Are You Ready… For Some Funding?!
Issue Date: 2013-10-17

Presenters: Kristi Bias, Lisa Wagner and Sarah Sanders, Oweesta

This training provides participants with the essentials to prepare for successful investor conversations. Learn how to be responsive to your organization's funding needs by utilizing sources other than Federal programs. Acquire practical tips on preparing a funder’s packet. This session will shorten your learning curve, help you avoid pitfalls, and accelerate your process of building relationships with investors.

Track: Native CDFIs
Level: General

Cost:
FREE

Learnings from Scaling Up Microfinance: Customer Acquisition and Market Research
Issue Date: 2013-10-17

This is one of three Microenterprise sessions that will share out the work of the Scaling Up Microfinance participants. Part of the CDFI Fund’s Capacity Building Initiative, Scaling Up Microfinance includes six mentored Working Groups that are exploring creative ways to: develop new products, conduct effective market research, conduct outreach to potential clients, improve collections, underwrite quickly and effectively, and collaborate with partners. The six Working Groups are just getting underway this summer. In September we will review their findings and update this description with the specific elements of their work that will be covered in this session.

Cost:
FREE

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