Publications

Big Data: Innovations in Serving the Underserved
Issue Date: 2013-10-17

Moderator: Dan Delehanty, CapitalOne
Panelists: Celina Pena, Accion Texas; Paul Breloff, Accion Venture Labs; Samir Pendse, Boston Consulting Group; and Mark Hookey, DemystData

Big data is big news, but how can CDFIs use extensive consumer data to reach more individuals and entrepreneurs? In this session, we will explore big data and the increasingly important role it plays in financial services delivery. Attendees will explore how big data can create breakthroughs in both loan outreach and underwriting and discuss innovative ways to integrate big data into lending operations. We’ll also talk about the big data industry landscape, including who the key players are.

Track: Microenterprise Finance
Level: General

Cost:
FREE

Salesforce.com Solutions for CDFIs
Issue Date: 2013-10-17

Presenters: Matt Royles, Opportunity Finance Network; Andrew Schlack, Calvert Foundation; Pradip Sitaram, Enterprise; and Jerry Huskins, Fonteva 

Back by popular demand, join us for the “201” edition of last year’s oversubscribed “Your CDFI in the Cloud” session. This session will build on the high-level overview of enterprise cloud computing presented at the 2012 OFN Conference. The session will take a deeper dive into how some CDFIs are pioneering the use of cloud computing technology from Salesforce.com to glean critical business intelligence that can be used to improve lending processes, staff performance, and cash management—all while realizing cost savings over previous technologies. The panelists will also discuss change management and what it takes to move an organization’s data and processes out of inefficient silos and into a centralized database in the cloud. This session will take a strategic approach to technology and is appropriate for C-level executives and IT staff alike.

Track: Organizational Capacity
Level: Intermediate

Cost:
FREE

Partnerships for Energy Efficiency Lending
Issue Date: 2013-10-17

Moderator: Rob Sanders, Consultant, Clean Energy Finance
Panelists: Jack Markowski, Community Investment Corporation and Anne Evens, CNT Energy

Effective energy efficiency lending requires an array of skills and knowledge about which improvements will deliver the most energy efficiency improvements for the least cost and how to structure the loans in a way that works for the customer and the CDFI. In this session, representatives from Community Investment Corporation and CNT Energy describe their successful Energy Savers partnership that has reduced energy costs by 30% in over 9,500 affordable apartments in the Chicago Metro area. This innovative partnership combines the lending expertise of a CDFI and energy efficiency expertise of a nonprofit energy organization to deliver a one-stop shop for multifamily building owners. Hear how each organization has leveraged its relationships and knowledge to reach more customers and improve the rate of property owners making energy improvements after an energy assessment.

Track: Energy Efficiency 
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

CDFIs and the FHLB System: What's Next?
Issue Date: 2013-10-16

Presenters: Cheryl Neas, Opportunity Finance Network and Laura Buxbaum, CEI

In the five years since Congress granted non-regulated CDFIs membership in the Federal Home Loan Bank system, CDFI participation in the System has grown each year. The CDFI industry’s work with FHLBs and our approaches to overcoming obstacles have also evolved. Join a discussion of successes and challenges, talk about public policy strategies, and find out how you can best participate in the FHLB system and the industry network around it.

Track: Financial Resources
Level: Advanced

Cost:
FREE

The US Financial Diaries: What We're Learning
Issue Date: 2013-10-16

Moderator: Brandee McHale, Citi 
Panelists: Tim Ogden, Financial Access Initiative; Nancy Castillo, U.S. Financial Diaries; and Joshua Sledge, CFSI 

Take a timely look at how low- and moderate-income families are managing their financial lives. Lead Investigators from the US Financial Diaries project will present data gathered from the field. Attendees will get an intimate look at the finances of three struggling households. The audience will have the opportunity to brainstorm practical solutions for the households in discussion.

Track: Consumer Finance 
Level: General

Cost:
FREE

Learnings from Scaling Up Microfinance: The Path to Loan Repayment
Issue Date: 2013-10-16

Presenters: Joyce Klein, Leslie Hoffman, and Luz Gomez, FIELD at the Aspen Institute

This session draws upon the learnings of the Underwriting and Collections Mentored Working Groups, which were part of the CDFI Fund’s Capacity Building Initiative, Scaling Up Microfinance. These groups explored strategies for advancing scale, while at the same time focusing on core principles of risk management – so that growth can be sustained. Central to this was exploring how organizations can build a robust culture of repayment within their lending process. The Underwriting Mentored Groups looked closely at the issues of scale, efficiency, technology, and team that can impact underwriting approaches in a growing program. The Collections Mentored Working Group broke down the path to loan repayment, examining ways to build strong portfolio performance from initial outreach activities and messages through post-default recovery. The group examined the role of people, process, and technology at each step along that repayment path. Join in this session to hear about these and other key learnings about how to balance growth with portfolio quality within your micro enterprise lending program.

Track: Microenterprise Finance
Level: General

Cost:
FREE

Financial Trends of Thriving Community Development Credit Unions
Issue Date: 2013-10-16

Presenters: Jamie Chase, CU Strategic Planning; Helen Godfrey-Smith, Shreveport Federal Credit Union; and Cynthia Campbell, Filene Research Institute 

Credit unions with thriving CDFI programs significantly outperform their peers. The financial trends of these “star credit unions” provide insights into effective practices for emerging CDFIs and even those with established programs. Cynthia Campbell, Director of Innovation at the Filene Research Institute, is an expert on star credit unions. Filene's Thriving Credit Unions research trilogy was the foundation of CU Strategic Planning's three-year analysis of credit unions with thriving CDFI programs. Campbell will interview CU Strategic Planning Founder Jamie Chase her findings. Helen Godfrey-Smith, President & CEO of Shreveport FCU, will answer questions about Shreveport FCU's key moves and strategic plan leading to its becoming a top performer: in the three years since launching its CDFI program, Shreveport FCU's ROA, and loan and membership growth rates have been more than double its peers. Attendees will leave with actionable strategic and tactical insights to becoming a star credit union with a thriving CDFI program.

Track: Credit Union
Level: General

Cost:
FREE

Deployment: Barriers, Breakthroughs, and Best Practices
Issue Date: 2013-10-16

Presenters: Lolita Sereleas, FUND Consulting

Based on current research conducted under the Goldman Sachs10,000 Small Businesses CDFI Growth Collaborative, this session provides best practices in CDFIs' small business loan deployment strategies. Representatives of FUND Consulting will present the results of their research, including differences between regulated and non-regulated CDFIs' practices. CDFIs with strong deployment practices -- and results -- will share their secrets to success. Find out ways that your CDFI can position itself to reach more small businesses for greater community impact.

Track: Small Business
Level: Intermediate

Cost:
FREE

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