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Akron wants to help small business owners grow, but officials say they need more help from banks

Abbey Marshall

October 12, 2020 |

The Devil Strip |

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1500-3000 Words

Response Location: United States, Detroit, Michigan

Motor City Match is an entrepreneurial development initiative that provides grants for historically marginalized business owners in Detroit. It also matches minority entrepreneurs with empty retail space in addition to providing business coaching and planning services. The program depends on nontraditional lenders to provide the funding. Motor City Match inspired the formation of Rubber City Match in Akron but that program has faced financing hurdles due to a lack of nontraditional lenders in the city.

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Meet the Bristol collective putting surplus wealth in the hands of people tackling injustice

Alex Turner

October 02, 2020 |

The Bristol Cable |

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800-1500 Words

Response Location: England, Bristol

Bristol Redistro is an experiment in wealth redistribution that taps the social-justice consciences of people who pool what they see as their excess money to make grants to small community groups that are "challenging unfair power structures." An initial round made £1,000 grants to such groups as Mandem, an online artistic platform for young men of color, and No More Exclusions, which seeks to reform school discipline. Funding decisions get made by a collective, not Redistro's leaders, with the aim of driving social change and challenging inequality by sharing the wealth with grassroots community groups.

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Jumpstart trains developers to fight gentrification in Philly neighborhoods

Courtney Duchene

September 29, 2020 |

The Philadelphia Citizen |

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1500-3000 Words

Response Location: United States, Philadelphia, Pennsylvania

Jumpstart Germantown and five spinoff programs trained about 1,000 people in the art of locally controlled neighborhood rehabilitation. The Jumpstart programs target particular neighborhoods, mainly mid-range housing stock with vacant and deteriorating conditions, and lend money to newly minted developers to fix and resell the properties. Housing rehabs maintain the character of neighborhoods, rather than gentrifying them or making wholesale redevelopment changes. Beyond the community improvement benefits, the program helps diversify the real estate business and provides employment opportunities.

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Three Approaches to Rural Rejuvenation

Kelly Burch

September 18, 2020 |

Sentinel Source (The Keene Sentinel) |

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1500-3000 Words

Response Location: United States

Despite the pandemic-induced economic slowdown, three small cities have managed to thrive due to successful economic development plans that have led to “rural rejuvenation” in an effort to attract young families to live there. The city of Taos, New Mexico has used a regional strategy to increase tourism while Durango, Colorado, chose to diversify the economy by focusing on its other resources such as high education, natural gas, and healthcare. Bozeman, Montana focused on nurturing local business instead of enticing outside businesses.

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How a Charlotte Nonprofit Links Landlords With People Experiencing Homelessness

Jared Brey

September 15, 2020 |

Next City |

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800-1500 Words

Response Location: United States, Charlotte, North Carolina

A real estate developer has teamed up with homelessness service organizations to house working families. The Lotus Campaign gives landlords $1,000 a year to rent a unit to a family that is at risk of homelessness or is already experiencing it. Rent is paid by the organization and any damages to the unit are covered. Landlords taking part in the program waive security deposits, credit checks, records of employment, and provide a 30-day window before seeking evictions. The pilot program intends to demonstrate that the private housing sector can alleviate homelessness if given the chance and the incentive.

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Short on Money, Cities Around the World Try Making Their Own

Peter Yeung

August 07, 2020 |

Bloomberg CityLab |

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1500-3000 Words

Response Location: United States, Tenino, Washington

Complementary currencies are local alternatives to national currencies that help local economies when budgets are tight. Tenino prints “wooden dollars” and residents in need get up to $300/month to spend at local businesses from grocery stores to day cares. Cities across the US have reached out for advice on starting their own local currencies, which can take many forms including digital-only. There are 3,500-4,500 local currencies in 50 countries, including Brazil’s Maricá where it helped the under-resourced city build schools and hospitals. These currencies have no value outside of the local economy.

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0%-interest loan program puts economic power in hands of Detroit homeowners

Kate Roff

August 04, 2020 |

Model D |

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800-1500 Words

Response Location: United States, Detroit, Michigan

Homeowners in Detroit can now access home improvement capital to fix up their historic homes, many of which date back to the early 1900s. The aid is in the form of a zero-interest loan which is paid back over 10 years. The program helps homeowners fix their homes, making them safer while removing blight from the community.

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It Takes a Village: How Coalition Work is Transforming Lives in Detroit - NationSwell

Sarah Morgan

August 03, 2020 |

NationSwell |

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800-1500 Words

Response Location: United States, Detroit, Michigan

A coalition of organizations in the Detroit region had “a goal of re-engaging the region’s 690,000 adults who had completed some college but hadn’t gotten a degree.” One of the programs they created was the Wayne State Warrior Way Back program, which allows students with school debt to re-enroll and “learn” off their debt at a rate of $500 for each semester completed.”

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This is what one of the world's largest experiments in basic income looks like

Márvio dos Anjos Meaghan Tobin

July 23, 2020 |

Rest of World |

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1500-3000 Words

Response Location: Brazil, Marica

Mumbuca is a digital currency used in Maricà’s basic income program. Residents, with few eligibility requirements, can qualify for a monthly stipend to purchase goods and services using a smart phone or a card. The currency runs on the digital platform E-dinheiro and can only be spent in the city limits. Individuals cannot swap Mumbucas for national currency, but businesses can after a 48-hour waiting period and a 1% fee. Local currencies, which are popular in Brazil, help residents increase personal savings and, with increased stipends during the Covid-19 pandemic, allowed informal workers to stay home.

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How Public Banking Could Make Black Lives Matter

Rickey Gard Diamond

July 08, 2020 |

Ms. Magazine |

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1500-3000 Words

Response Location: United States

Black banks have been held up by leaders and celebrities in the community as a way to end Black poverty. Previous efforts have been made in the 1960s when Black banks gave loans to community members after being denied home loans from white banks. But those loans lost money when housing values declined as a result of redlining policies that damaged public schools. Black banking therefore was not the answer to ending Black poverty and bridging the gap between white and black wealth. One law professor believes the answer lies in public banking which is funded by tax revenue and acts as a public utility.

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