Honoring the Legacy of Gunvanti and Bhogilal Shah
For close to fifty years in Kolkata (then known as Calcutta), India, Gunvanti Shah helped women turn their skills into livelihoods. Her husband, Bhogilal Shah,
Blog
Built for You: Navigating the Financial System with MyMAF
Maybe you’re stretching every paycheck. Maybe you’re saving for something big, like a home or your immigration fees. Or maybe you just want to know
Finding a Way Forward
Previously, we explored the economic pressures facing low-income families. We showed how inflation erased a decade of wage gains for Lending Circle applicants and how
Falling Behind Neighbors
In our previous insights post, we found that inflation is outpacing the wage gains of the low-income families MAF serves, making it increasingly difficult for
Earning More, Affording Less
Cecilia, a MAF client, told us a few months ago, “Almost everything has gone up…50%, 100%…”Fuel was $3.20, now it’s $5.00. It doesn’t go down,
Affordability Crisis Pushes MAF Clients Further Behind
Graphic with arrow and house indicating rising costs
34 Weeks: Cecilia’s Story of Survival, Tenacity, and Forging Ahead
Cecilia was 34 weeks pregnant, the marks of domestic violence still fresh on her mind and her body, when she realized that she needed to
What Eight Years of Building MyMAF Taught Us About Trust
Imagine someone like Rosa…an immigrant who’s spent the last few years building her financial life in the U.S. She makes $28,000 a year, pays her
Two Detentions: One Family’s Fight to Stay Afloat
First, her husband was detained. Then, her son. Learn how ALMA helped Maria's family stay afloat during one of the most difficult periods of their
The Invisible Crisis Before Our Eyes
Trust is foundational to everything in our lives, yet it is incredibly difficult to build. It requires intentionality. It takes time—even in the best of
Trust in Technology Starts with Trust in People: Insights on Tech & Financial Inclusion
In our first webinar, we learned what happens when you start by listening: community shows up. In our second session, our nonprofit partners from Chicago
A Shared Reality: Partners on Access & Trust
On May 13th, 2026, we gathered for the second webinar in our three-part series on community conversations, and this one brought something different to the
Cash Is Just the Start: MAF at the Guaranteed Income Now Conference
What does it take for a family to truly rest? Not metaphorically, but literally: sleep through the night. That question was at the heart of
When You Listen First, Community Shows Up
In a community room in Chicago, the first answers were two or three words long. People sat close to whoever they came in with. Dinner
46 Days: Marjona’s Story of Faith, Family, and Fighting Back
Marjona was seven months pregnant, alone in a small studio apartment with her one-year-old baby, when her husband was taken. It was November 24th. Her
Trust First, Technology Second: What Families Taught Us
Digital financial tools are everywhere. And yet, for millions of immigrant and low-income families, access alone isn’t the problem. Trust is. This year, MAF partnered
PRESENTE: Always Here, Always Whole
Read MAF CEO's statement to discover how being “presente” shaped our response to community needs through financial tools, grants, and trusted support.
From Invisible to Unstoppable: Maria Carmen’s Journey to Financial Empowerment
Maria Carmen’s story is one of transformation, determination, and the power of becoming visible. She arrived in the United States with dreams but without the
Holding On to Possibility: One Mother’s Fight for Her Family’s Future
Low-income families are trapped in high-cost debt as wages stagnate and costs rise. Hear from MAF CEO and learn why better financial solutions are urgently
Designed to Fail: How the Financial System Leaves Low-Income Families Behind
Low-income families are trapped in high-cost debt as wages stagnate and costs rise. Hear from MAF CEO and learn why better financial solutions are urgently
When All Boats Float: Community, Belonging, and Economic Justice with Nare Jagroop
Welcome to our newest board member, Nare Jagroop! There is a phrase Nare returns to again and again, a kind of personal north star: When
“This Is Us Lending to Us”: How HCCI Built a Million-Dollar Lending Circle in Harlem
Learn how Harlem's HCCI became the first MAF partner to circulate $1M through Lending Circles — turning community savings traditions into real credit gains.
72 Hours: One Family’s Fight Against Deportation
Angela was at the park with her children when her phone rang. Her husband had been detained by ICE. Within 72 hours, he was deported
Holding Her Family Together: Alicia’s Journey With ALMA
When immigration headlines speak of fear and uncertainty, stories like Alicia’s show us what hope looks like in action. Across the country, millions of families
Rosa’s Story: Rebuilding Home After Deportation
Dreams of building a prosperous future for her children brought Rosa from Honduras to the Bay Area. When that future was threatened by her partner's
Living in Fear: How Immigration Enforcement Is Reshaping Families’ Lives
Understand how immigration enforcement is reshaping daily life for families. Learn about our survey's insights and how you can show up for immigrant communities in
Join MAF in supporting families facing detention and deportation with love and action.
Read how MAF is showing up for families impacted by immigration detention and deportation. Join us in providing critical help during this time of crisis.
Building a New Blueprint: How Hugo Transformed His Life and Business
From handyman to licensed California General Contractor: Follow Hugo's journey of determination and resilience as he builds a thriving business with support from MAF's programs.
Deep Listening Builds Belonging
Discover how Mission Asset Fund (MAF) builds financial success through deep listening and community. Learn how belonging and trust empower clients like Henry to achieve
Standing Together: Our Values Guiding Our Path Forward
A Statement from MAF CEO: How MAF's values-driven approach creates innovative financial solutions that empower immigrant and low-income families to build credit, start businesses, and
Susana’s Journey: Building a Business and a Community
Sometimes necessity gives way to the entrepreneurial dream; when push came to shove and jobs in Mexico became hard to come by, Susana’s version of
From Uncertainty to Action: A DACA Recipient’s Journey with MAF
Learn how MAF helps DACA recipients with loan support for status renewals. See how one recipient turned uncertainty into action through community resources.
Building Community Through User-Centered Design
Discover how MAF's community-centered research approach to user testing builds trust and connection in developing MIJA, an app empowering immigrants to navigate their journey with
Eden United Church of Christ, Building Community Wealth
Eden Church is a community hub that, in partnership with MAF, offers the Lending Circles program to support financial mobility. By combining MAF’s financial expertise
Opening Doors: MAF and OCEIA Transform Immigrant Dreams in San Francisco
Discover how MAF's partnership with San Francisco's OCEIA removes financial barriers to citizenship for immigrant families, transforming dreams into reality through critical funding support for
From Deep Listening to Building Bridges
MAF's impact starts with listening and building relationships. Over time, it ripples in different ways in the context of each client's life.
Building Financial Security Through Community Partnerships
Over the years, we’ve teamed up with 100+ nonprofits to deliver $21M+ in small-dollar loans to low-income communities.
What is Deep Listening?
Discover how MAF’s deep listening approach fosters meaningful community connections and drives impactful financial solutions. Learn how we co-create programs that empower low-income and immigrant
Prepare and Protect: Our Call to Action for the Next Four Years
The U.S. Congress is advancing legislation, like the Laken Riley Act, that threatens to fast-track immigrant deportations under the guise of targeting "criminals," echoing a
From Peru to Berryessa: Mario’s Journey of Perseverance
From a small stand at the Berryessa Flea Market to becoming a successful business owner, Mario's inspiring journey shows that with dedication and perseverance, anything
Building Dreams in Coachella: How Monthly Cash Assistance is Transforming Lives
Learn about how the Coachella Immigrant Families Recovery Program is transforming lives through monthly cash assistance. From helping families create lasting memories to fostering community
Now more than ever, we stand in community
Dear friends, As the news of the presidential election sets in, there is a saying in Spanish that comes to mind: la cultura, cura. It’s
A Spark of Hope: Philanthropy and Economic Inclusion with Ash McNeely
Welcome to our newest board member, Ash McNeely! With decades of experience in the nonprofit sector, she brings a wealth of knowledge and a commitment
A Champion for Financial Inclusion: Meet Anne, Our Newest Board Member
MAF is thrilled to welcome Anne Stuhldreher, a seasoned champion for economic justice and financial inclusion, to our board of directors.
Former MAFista Daniel Lau Returns to MAF as a Board Member!
MAF welcomes former MAFistas Daniel Lau to the Board of Directors! Daniel's deep experience in social justice philanthropy is invaluable as we expand financial access
MAF survey reveals barriers DACA recipients face
MAF survey for DACA recipients reveals key barriers to pursuing lawful permanent residency. MAF is developing a My Immigration Journey App (MIJA) to address these
Building Trust in a Time of Transition: Lessons Learned from the Berryessa Flea Market
At MAF, we believe in empowering communities to navigate financial challenges and achieve economic prosperity. When news reached us about the potential displacement of vendors
Cash to Credit: What happens after guaranteed income?
We are excited to share the latest updates from our webinar series featuring insights from the largest guaranteed income program for low-income immigrant families. Our
Finding Community in San Francisco: Matilde’s Story
When Matilde first immigrated to the United States she imagined it would be easy to start her life anew. She says, “We left everything looking
Preparing for the Next Challenge: Our Commitment to Immigrants is Steadfast
Trump’s vision of mass deportations is going unchallenged. MAF stands with immigrant communities and is partnering with immigration legal experts to help them navigate the
Celebrating Small Businesses: Cuztumly Crafted’s Story of Perseverance and Positivity
Small Business Month is a time to recognize the incredible impact small businesses have on our communities and economy. Today, we're shining a spotlight on
Achieving Financial Dreams Together
Exciting news for immigrant families! Biden's policies offer new paths to stability & opportunity. MAF is ready to support with zero-interest immigration loans. Learn more
New Hope for Immigrant Families: MAF Stands Ready to Support as Biden’s Policies Open New Pathways to Citizenship
Exciting news for immigrant families! Biden's policies offer new paths to stability & opportunity. MAF is ready to support with zero-interest immigration loans. Learn more
“Change the World from Here” MAF CEO José Quiñonez awarded an honorary degree from the University of San Francisco
Graduation season is in full swing and we are thrilled to share MAF CEO José Quinonez delivered an unforgettable commencement address to the University of
Building financial resilience: Join the Lending Circles Network
MAF is inviting nonprofit organizations in Chicago, Florida, and Los Angeles to join our Lending Circles Partner Network. Selected applicants will receive valuable benefits, including
Welcoming the Education & Leadership Foundation to MAF’s Lending Circles Partner Network
Join us as we welcome the Education & Leadership Foundation (ELF) to MAF’s Lending Circles partner network!
Research at Scale: Insights from our Latest IFRP Webinar
Understanding the ever-changing context of immigrant families' lives is key to how nonprofits best show up for the families they serve.
Unwavering Motherhood in a Pandemic: Tammy’s Story
Tammy’s story is one of an undocumented single mother from Honduras who overcame heartbreak, COVID-19, and other challenges to secure a better future for herself
When the Mountain Does Not Come: Eduardo’s Story
In a time of exclusion and uncertainty, Eduardo’s unshakeable spirit and savvy kept him and his family going during the pandemic.
Context is Everything
Understanding the ever-changing context of immigrant families' lives is key to how nonprofits best show up for the families they serve.
Starting over in a storm
Like many families that we talked to, Diana faced the pandemic as just one challenge in her life, yet she found a way to overcome
Hitting the Road with Lending Circles
We’re excited to announce MAF’s next Lending Circles roadshow, coming soon in Spring 2024!
Announcing MAF Learning Hub
MAF is excited to announce the launch of a new way for our community to access financial education. The MAF Learning Hub is an online
Finding Courage in Crisis
Amidst financial hardship and exclusion, immigrant families have shown incredible resilience and courage, utilizing entrepreneurship as a key financial strategy during the pandemic.
Welcoming 4 New Partners to the Lending Circles Network
We’re welcoming 4 new partners to our Lending Circles Network!
Designing Research Rooted in Immigrant Families’ Lived Experience
We designed the Immigrant Families Recovery Program to deepen not only our community relationships, but also our knowledge about their financial lives. Our research aims
Working with Annie Leibovitz and TriNet to uplift MAF’s story
We are honored to have the renowned portrait photographer, Annie Leibovitz, capture the image of our founder and CEO, José Quiñonez. Leibovitz’s work is well-known
MAF was a Gamble from Day One.
A letter from MAF CEO José Quiñonez.
How MAF’s Ladder of Engagement Meets People Where They Are
Efrain Segundo Orozco, MAF’s Financial Education and Education Manager, write about the power of a flexible framework.
Champion Spotlight: Monica Issar
MAF board member Monica Issar calls herself a "living testament" to the importance of financial tools for the people.
A Partnership for Financial Freedom for All
With the Motley Fool Foundation, we’re uplifting the stories and challenges facing immigrant communities as they work to improve their financial security.
A Home for the Generations: Eva’s Story
As a mother and small business owner, Eva has achieved a lot in life. This year, Eva brought another dream to life: becoming a homeowner.
Meet the MAF Padrino: John A. Sobrato
John A. Sobrato wins the MAF Padrino Award for supporting San Mateo County immigrant families.
Meet the MAF Madrina: Jenny Flores
Jenny Flores wins the MAF Madrina Award for her lifelong commitment to serving immigrant families and steadfast partnership with MAF.
MAF Celebrates 15-Year Anniversary with Quinceañera
We celebrated our journey alongside clients, partners, funders, board members, and MAFistas.
‘A Blessing…A Thorn’: 10 Years of DACA
DACA turns 10 this year. Two DACA recipients, Shanique and Miguel, share how the program has impacted their lives.
Cafecito con MAF: What’s Next? Beyond Cash
In the final episode of our first season, MAF CEO José Quiñonez sits down with Efrain Segundo, MAF Financial Education and Engagement Manager. They outline
Cafecito con MAF: Same Storm, Different Boats
In episode 4 of Cafecito con MAF, hear from April Yee, Senior Program Officer at College Futures Foundation and a trusted MAF partner.
Cafecito con MAF: The Need to Power Through
In episode 3 of Cafecito con MAF, hear behind-the-scenes stories of how MAF launched the Rapid Response Fund from MAFistas Rocio Rodarte and Joanna Cortez
Cafecito con MAF: They Need Me, I Need Them
In episode 2 of Cafecito con MAF, hear how Diana, an entrepreneur and working mom, navigated the challenges of the pandemic.
Cafecito con MAF: Do More, Do Better
In our first podcast episode, join MAF CEO José Quiñonez and MAF Policy & Communications Manager Rocio Rodarte for the story of how immigrants, students,
More than a check: MAF provides UBI+ for immigrant families, largest in nation
Through the Immigrant Families Recovery Program, MAF is providing UBI+ to immigrant families left out of federal COVID-19 relief for up to two years.
IGNITE Partner Convening: We Shine Brighter Together
Lending Circles providers from across the country convened for the first time in nearly two years for IGNITE: Connect, Reflect, Innovate.
Honoring Immigrant Entrepreneurs during National Small Business Week
Behind every small business is a dreamer, entrepreneur, and neighbor, each with their own story. This #SmallBusinessWeek, we’re taking a moment to share their lessons
Between Lands, Languages, y Culturas: Iván’s Story
Iván, a poet based in the San Fernando Valley, experiments with words, images, and sound as he navigates the world. He uses his voice to
Champion Spotlight: Meet Karen Law
Like MAF, Karen realized the best of finance could be put to work in service of community. She's leveraging the skills she has for those
A Tale of Two Recoveries: How Immigrant Families Survived COVID-19
COVID-19 devastated the financial lives of immigrant families. Excluded from federal relief, how can immigrant families rebuild their financial lives?
Dreams Blooming In The Dark: Cristina’s Story
While entire industries were shutting down during the pandemic, Cristina and her husband saw an opportunity to seize their dream. Cristina sat down with MAFista
Champion Spotlight: Meet Elle Creel
Elle Creel has been searching for a place to set roots. At MAF, she’s found fertile ground.
Champion Spotlight: Meet Laura Arce
Laura grew up in a Mexican immigrant family in Oakland. Her new role as a MAF board member honors those roots.
A Guaranteed Income for the Indispensable
At MAF, we’re bringing all that we have to bear in the fight against poverty, just as essential workers did in the midst of the
Demand Lasting Change: Reacting To The Latest DACA Court Ruling
A Texas court put DACA at risk again. Here's what you can do to support citizenship for all.
Putting Heart into UpValley’s Lending Circles: Joleen’s Story
Joleen learned valuable lessons navigating the financial system. She runs Lending Circles at UpValley Family Centers to help her community do the same.
Neighbors Showing Up: The Story of the San Mateo County Immigrant Relief Fund
A community is at its best when neighbors show up in meaningful ways with trust and respect for one another.
Paying It Forward: Nancy’s Story
Nancy’s story illustrates how the financial system can distort itself into shackles and how community can be the key.
Studying Through A Pandemic: Marlena’s Story
Marlena has a dream to save lives with science. She’s moving ahead, despite a pandemic. She’s not alone.
MAF’s Vision for Showing Up & Doing More
As vaccines roll out, many of us see a light at the end of a long tunnel. But this light is dimmer for immigrant families
MAF Awarded $45 Million To Support Immigrant Families During COVID-19 Crisis. It’s Still Not Enough — Congress Must Act.
MAF Awarded $45 Million To Support Immigrant Families During COVID-19 Crisis. It’s Not Enough. Congress Needs to Ensure that All Immigrants Have Access to Relief.
Safe, trusted “Financial Empowerment Windows” for the Mexican Community are a light in these hard times
Read about MAF’s partnership with Citi Community Relations and how we’ve provided trusted, culturally-relevant financial education within the Ventanillas de Asesoría Financiera.
Four Years of Possibility: The Legacy of Sustained Organizing
Organizing in Georgia made its victory possible. The victory makes a horizon of progressive policies possible. Two are top priority.
5 Keys To Relevant, Intentional Campaigns
Here's what we've learned are the 5 keys to running a successful campaign for a diverse electorate.
SB 1157 Becomes Law: California’s First-in-the-Nation Rent Reporting Bill
SB1157 offers a credit-building lifeline to low-income tenants living in subsidized housing, allowing them to report their rent payments to major credit bureaus so they
Francisco’s Story: Strength in the Time of COVID-19
Read about Francisco's inspiring journey and its many challenges – including migration, financial barriers, fatherhood, and COVID-19.
Growing Lending Circles Communities With 7 New Partners
We’re welcoming 7 incredible nonprofits to our Lending Circles Network!
Taryn’s Story: Finding Transformation in the Uncertainty
Meet MAF’s college fund grant recipient Taryn Williams and learn about her incredible journey finding inspiration and hope in unlikely moments.
MyMAF: Mobile Insights During the COVID-19 Crisis
Activity skyrocketed in the MyMAF app in the early months of COVID, as users searched for resources around credit and savings.
Insights from Census Outreach Campaign
Immigrants, like other marginalized communities, are labeled as "hard-to-count" by the US Census Bureau. Immigrants, we found, were in fact the easiest-to-count.
Xiucoatl Mejia: Connecting Communities…From A Distance
Xiucoatl’s story illustrates the incontestable reality that art—in all of its forms—is essential to enabling people to connect with each other through empathy, shared space,
Mobilizing Communities Into Action
We're mounting thoughtful and relevant tools, resources, and campaigns that place people at the forefront of change and mobilizes them towards civic action.
Prioritizing Education in a Pandemic
The pandemic has exacerbated a number inequities within this country, including access to higher education. Even in the absence of a pandemic, so many students
We Lean on Each Other in Times of Crisis
If I had to distill the essence of MAF's Rapid Response work into one word it would be: partnerships.
Making Our Lives Count In The #2020Census
The marginalized communities and hard-working immigrant families that we serve every day at MAF will receive, at best, pennies for each dollar needed because they
Helping Those With the Least Weather the Crisis
We are in the midst of a generation-defining crisis. The coronavirus is laying bare the interconnectedness of modern life, rapidly spreading and jeopardizing the health
Pushing Back: USCIS Proposed Fee Hikes
On November 14, 2019, U.S. Citizenship and Immigration Services (USCIS) published a proposal to dramatically raise the costs of filing fees. The proposed fee schedule
Podcast: Design for Social Change
Design is an integral part of the MAF Lab’s R&D process and today, we give you in an inside peek into how design meets direct
Navigating the Financial System with an ITIN
“Impossible” is not a word in Regina’s vocabulary. Her savviness and tenacity stood out to us within minutes of meeting her one Monday afternoon. She
New MyMAF Financial Education on Self-Employment
MAF’s clients often turn to creative strategy to manage their financial lives; faced with barriers to accessing formal income opportunities, our clients innovate. One such
SB 455 Updates: CA Financial Empowerment Fund
MAF is sponsoring SB 455, also known as the California Financial Empowerment Fund, which would create a $4 million fund to support nonprofits delivering effective
We saw it coming.
Ever since that dreadful day Trump descended down the escalator to announce his candidacy, we all knew deep down that it was the start of
Introducing MAF’s newest program: LLC Loan Program
Meet the community where they are. At MAF, this is one of our core values. We’re constantly searching for ways to build new programs that
Energy Watch Chronicles: How A Small Business Owner Sweetened His Customers’ Experience By Brightening Up His Shop
Whether you’re a San Francisco Bay Area native, or have only visited the city a handful of times, you may have explored the famed “North
Testifying Before the Joint Economic Committee
On April 30, 2019, I testified before the U.S. Congress Joint Economic Committee’s hearing on “Expanding Opportunity by Strengthening Families, Communities, and Civil Society.” This
MAF Staff Spotlight: Doris Vasquez
Meet Doris Vasquez, MAF’s Client Success Manager. Though she’d never admit it herself, Doris embodies what it means to be a community leader. As MAF’s
My MAF Journey: Bridging Tech and Financial Inclusion
In celebration of the MAF Lab having hit its one-year mark, we want to recognize the role and work of our Tech Advisory Council in
MAFista Spotlight: Samhita Collur
Samhita Collur has held many roles during her nearly three years at MAF. Officially, she’s been a Partner Success Manager and Communications Manager, but she’s
2019 MAF Summit: And the award goes to…
At Mission Asset Fund (MAF), we never pass up an opportunity to celebrate our inspiring and all-around incredible community members. At this year’s MAF Summit,
Catalyzing Change: Antonio’s Story
Catalyst Miami is a member of MAF’s national Lending Circles network based in Florida’s Miami-Dade County. Through its diverse programs and services, Catalyst Miami is
A Galaxy of Her Own: Connie’s Mixcoatl
When you’re strolling down 24th Street in San Francisco’s Mission District, you can’t help but stop in your tracks as you are greeted by a
‘Échale ganas, mijo’/’Give it your all, son’: PART TWO
What does ‘Transcend. Evolve. Take Flight.” mean to you? Read part one. ‘Ni de aqui, ni de alla’/’Not from here, nor from there’ I maintained
MAF Sponsors SB 455: CA Financial Empowerment Fund
In the U.S. there is a wide array of financial products and services to help consumers build their financial lives. In addition to banks, there
‘Échale ganas, mijo’/’Give it your all, son’: PART ONE
What does ‘Transcend. Evolve. Take Flight.” mean to you? Life’s about a dream I’ve always considered myself a dreamer — long before the term was
MAF Lab Spotlight: Shruti Dev
Meet Shruti Dev, MAF’s first Technical Project Manager in the MAF Lab. Shruti came to MAF from the for-profit sector with a background as a
Boni: A Story of Self-Sufficiency
Today, Boni speaks about his life in the U.S. with a humble confidence. In the five years that Boni has lived in the country, he
MAF’s 12 Data Points of Christmas
Watch MAF's 12 Data Points of Christmas, a video featuring insights from the last decade
Rosa’s Story: An Advocate’s Journey
“My name is Rosa, and I received a check from you within only days of my request. You understand that this issue is incredibly time
Public Charge Statement Release: A Barrier to Upward Mobility for Immigrant Families
MAF recently submitted the below statement against the proposed public charge rule. We would like to encourage you all to also make your voice heard
Introducing MAF’s new mobile app: MyMAF
MAF is excited to announce the launch of its new mobile app, MyMAF. MyMAF is a virtual financial coach designed to help low-income and immigrant
Public Charge: An Attack on All Immigrants
A few weeks ago the Department of Homeland Security (DHS) announced a proposed rule that will change how the government looks at immigrants who have
What Resistance Looks Like: MAF’s DACA Campaign, a Year Later
The Trump administration blatantly targeted immigrants by rescinding the Deferred Action for Childhood Arrivals (DACA) program on September 5, 2017. Shocked and angered by his
Why We’re Excited for the 2018 MAF Summit
At this year’s Summit, we’re bringing together thought leaders from a variety of sectors – nonprofit, finance, tech, and social sector. We can’t wait for
Join the Rabble!
Ten years ago, we started a movement in San Francisco, leading thousands of low-income and immigrants families throughout the country to become financially visible, active,
We will keep fighting
My soul hurts to hear babies crying inconsolably for their parents, begging for help. I think about these little ones each time I look at
In Their Own Words: The Hopes of Dreamers
Being responsive is one of the major goals of our organization and our R&D team. After a successful DACA renewal fee assistance program, we surveyed
Deportation, Stress, and Fear
Over the past couple months, we’ve heard many of our clients pour out their fears and concerns over their future. The threat of deportation looms
Here to help: reacting to the latest DACA court order
A third federal judge has issued a new DACA ruling. While the first two injunctions re-opened the program for the foreseeable future, this order is the
Work and Bills: The Financial Concerns of DACA Recipients
To hundreds of thousands of DACA recipients and their families, a DACA permit represents hope. Hope for jobs, for family security, for a future worth
Introducing MAF’s Self-Employment Webinar Series
In this new political context, when our community told us that maintaining financial security was their top concern, we decided to invest in promoting self-employment.
DACA’s multiplier effect
In “DACA=Better jobs, stable families,” we explored the impact that DACA has on job opportunities and family security. With a work permit and the ability
DACA = better jobs, stable families
$460 billion. That’s the estimated value that DACA recipients add to our GDP. In addition to the well-known economic impacts to our country, there is
MAF Lab: R&D for social good
It goes back to the earliest days at MAF, when Lending Circles was not yet a program available across the nation and when the conversation
DACA: 44 States & 70 Countries
In September 2017, MAF launched the nation’s largest DACA fee assistance program serving 7,600 Dreamers across the country. In a series of blog posts, we’ll
#HereToStay: Announcing MAF’s new immigration loan programs
Mission Asset Fund is excited to launch new zero-interest, credit-building loans available throughout California to cover the USCIS filing fees for U.S. Citizenship ($725), DACA
How MAF launched the largest DACA renewal campaign in 3 days
The Trump Administration ended DACA on September 5, 2017, igniting a wave of anguish and fear in communities throughout the country. Since 2012, hundreds of
DACA: The stories behind the checks
After September 5, 2017, MAF quickly mobilized to provide financial assistance to DACA recipients across the nation. Our campaign was inspired by our belief that
Pilar’s Story: An ode to Prince and homeownership
Pilar celebrates her one-year homeownership anniversary this year. Her home is a beautiful, cozy, and peaceful place in South Minneapolis. She recalls the warm and
Nora’s Journey: A story of strength
Today, Nora speaks excitedly about the prospect of buying a home. She shares the number of rooms she’d like to have, her ideal neighborhoods, and
Press Release: 5,000+ DACA renewal scholarships now available
Media Contact: (888) 274-4808 x206 marketing@missionassetfund.org $2,500,000+ Fund to Help Dreamers Renew DACA by October 5 San Francisco, CA – September 22, 2017 – Mission Asset
Press Release: 2,000 Dreamers to receive DACA renewal scholarships
FOR IMMEDIATE RELEASE Media Contact: (888) 274-4808 x206 marketing@missionassetfund.org $1,000,000 Fund Announced to Help Dreamers Renew DACA by October 5 San Francisco, CA – September
Meet the Adelante Advisory Council
This group of passionate MAF advocates is fundraising and friendraising for justice At the end of 2016, an exciting group formed at MAF: the Adelante
Champion Spotlight: Meet Gaby Zamudio
She’s a bilingual UI developer and ping pong pro who’s passionate about using tech for good. Meet Gaby Zamudio, a bilingual developer specializing in UI
Claudia’s dreams: health, credit & a new bakery
When Claudia’s husband was offered a job in the United States, she encouraged him to take it and insisted that the entire family—the two of
Preparing yourself for financial emergencies
How you can prevent an immigration-related emergency from becoming a financial one Detention and deportation can have a huge impact on a family’s finances. What
FinTech pros and consumer advocates
Meet MAF’s four passionate new members of the Board of Directors: Alex, Cara, Lissa, and Sagar MAF is thrilled to welcome four new members to
With ❤️, From: Mom, Charu, Mama, 엄마, Hajurmuma
From a thriving chocobanana business to a spicy pinch of kimchi that literally means “I love you.” At MAF, we’re always looking for an excuse
Champion spotlight: meet Jessica Leggett
She’s a MAF donor and Board Member who brings passion and creativity to everything she does. Follow our Champion Spotlight series, where we introduce you
Wealth inequality and new Americans
The racial wealth gap is real, and it’s growing. But where do immigrants fit into this analysis? This post first appeared on the Aspen Institute’s
Citizenship for New Yorkers
The $725 application fee is keeping one million New Yorkers from becoming citizens. Building a wall, the Muslim and refugee ban, sanctuary cities, an uncertain
Ventanilla: A Window of Opportunity
Mission Asset Fund (MAF) and the Mexican Consulates of San Francisco and San Jose have joined forces to support the economic empowerment of Mexican nationals
Lending Circles at the Brown Boi Project
Building Credit & Confidence in LGBTQ Communities of Color Carla’s first experience with a lending circle came long before she began working with Brown Boi
Winners of the 2016 Super-Partner Awards
These fabulous #LCHeroes took home prizes at the Lending Circles Summit When MAF was founded in the Mission District of San Francisco in 2007, the
LC Summit 16: Top 16 Moments
16 reasons why you can’t miss the next Lending Circles Summit Call me biased, but here are 16 reasons why the LC Summit was not only beautiful
Words from the Wise #LCSummit16
A Financial Coach, a scholar, and a philanthropist on what Lending Circles mean to them One of our favorite parts of the Lending Circles Summit
On Food & Family: Isabel’s Story
Isabel joined a Lending Circle to help grow her business. This summer, her restaurant “El Buen Comer” opened in Bernal Heights. Isabel is a MAF
Taking Financial Learning Beyond the Classroom
Lending Circles round out the Game Theory Academy Experience Jasmine and Pasha’s friendship began during childhood, when the two girls were elementary school classmates. Eventually
José Quiñonez named a 2016 MacArthur Fellow
The visionary Lending Circles program brings low-income communities out of the shadows. Today, the MacArthur Foundation announced this year’s class of MacArthur Fellows. Among the
Sonia: A Future Chicago Homeowner
Building Credit and Community through Lending Circles at The Resurrection Project Sonia arrived in Chicago from Puerto Rico one year ago with hopes to turn over
The Freedom to Move: My DACA Journey
How DACA gave me the opportunity to help others & make my parents’ sacrifices count. Before Deferred Action for Childhood Arrivals (DACA) was announced in
6 Reasons You Won’t Want to Miss the Lending Circles Summit 2016
Members of our Partner Advisory Council share why they’re excited to converge on SF for #LCSummit2016 This October 26-28, MAF will host the first ever
Building Better: 2015 Annual Report
Take a look back on what you helped build in 2015 – and get a sneak peak at what’s next! MAF’s 2015 Annual Report Building Better
It’s who you ask that matters
A conversation with a founding member paints a picture of what a new member-driven council will contribute to the Lending Circles program. It’s about keeping
Strengthening the Voice of our Lending Circles Partner Network
MAF’s first Partner Advisory Council will provide an exciting opportunity to harness the insights of our partner network From our early years serving families in
Innovations: Making the Invisible Visible
CEO Jose Quinonez gives a behind-the-scenes look into MAF’s origin story in MIT Press’s “Innovations” journal. The following excerpt was originally published in “Innovations: Technology,
Passionate Leaders & Product Experts: Meet Our New Board Members
Introducing MAF’s new board members: Dave Krimm, Salvador Torres & Stephan Waldstrom Earlier this year, MAF had the pleasure of welcoming three new members to
The Power of Community: Expanding Opportunities for AAPI Immigrants
A community of nonprofits is building the financial capability of Asian American and Pacific Islander (AAPI) immigrants across the country. When you bring together families,
Waiting on SCOTUS, UCLA Looks to Lending Circles for Deferred Action
MAF’s collaboration with UCLA’s Undocumented Student Center will bring Lending Circles for Deferred Action to more Los Angeles communities. A current Supreme Court case could
Celebrating the Many Moms of Our Community
This Mother’s Day, we’re celebrating all the “MAF Moms” working hard to create better lives for their families through Lending Circles. This Sunday is a
Honored with the Bullard Award by Princeton’s Wilson School
On April 9, the Students & Alumni of Color at Princeton’s Woodrow Wilson School honored me with the Edward P. Bullard Award. I was deeply
Policy Must Uplift People’s Strengths, Not Criticize Their Character
A recent article from sociologist Philip N. Cohen underscores the importance of policies that respect the dignity & strengths of the families we serve. Last
Law School & Tamales: DACA Opens Doors for Kimberly
With the help of Lending Circles for DACA, Kimberly is finishing her degree and prepping her law school applications — all while helping her mom
Lending Circles Coming to More Los Angeles Communities
MAF is inviting Los Angeles nonprofit organizations to apply to become Lending Circles social loan providers. Mission Asset Fund (MAF) today announces the Build a
Respect, Meet, Build: A Model for Financial Inclusion
Financial inclusion is about respecting people for who they are, meeting them where they are, and building on what’s good in their lives. Last week
Southwest Solutions & JPMorgan Bring Lending Circles to Detroit
Southwest Solutions, JPMorgan Chase & MAF launch peer Lending Circles to boost credit scores of Detroit residents. Southwest Solutions, JPMorgan Chase & Co. and Mission
An Important Question for Every Relationship: “What’s Your Credit Score?”
From finding your next great relationship to paying for a special night out, having good credit is important. This blog was originally published on CFED’s
Time to Reflect & Refresh: Announcing My Sabbatical
Jose Quiñonez, CEO of MAF, announces a three-month sabbatical, sponsored by O2 Initiatives. I’m taking a sabbatical! Thanks to a generous grant from O2 Initiatives,
Hierarchy of Financial Needs: An Introduction
MAF’s Hierarchy of Financial Needs provides a framework for evaluating every person’s economic well-being. Eight years into our mission to build a fair financial marketplace
What It’s Worth: MAF Featured in New Book
Read CEO Jose Quinonez’s essay “Latinos in the Financial Shadows” in a new book on economic well-being. Earlier this year I was invited to contribute
$1.5M Chase Grant Takes MAF to Next Level
JPMorgan Chase invests $1.5 million in MAF to expand Lending Circles further, faster. I’m thrilled to announce that JPMorgan Chase recently awarded MAF a $1.5
Sandra: An Artist-Entrepreneur Brings Her Vision to Life
Sandra’s journey — and her dreams — represent the strength of the Mission community. Sandra’s creative style is all her own, but her story speaks
Introducing Chris, MAF’s Product Manager
Chris is on a mission to put data and technology in the service of social change. As you may have noticed over the years, we’ve
Meet Kelsea, Our New Development Manager
Kelsea comes to MAF with a passion for breaking down barriers to mainstream financial services. No stranger to new places, Kelsea McDonough has lived all
Welcome Elena to the Partner Success Team
Elena’s passion for empowering communities and budding entrepreneurs makes MAF a natural fit. Elena Fairley is a brand new MAFista, but her connection to MAF
Behind the Credit Curtains in Houston
A trip to Texas to talk about credit invisibles and how Lending Circles can help Until recently, my time spent in Texas was limited to
NCLR Presents MAF with the 2015 Family Strengthening Award
This recognition from NCLR helps us pave the way toward a fair financial marketplace for hardworking families KANSAS CITY, Mo.—At the National Affiliate Luncheon held
New Lending Circles Program in DC Area
Lending Circles to Debut in Washington, D.C. to Help Individuals and Entrepreneurs Build Credit Latino Economic Development Center and Northern Virginia Family Service launch peer-to-peer
Passing up opportunities: my life before citizenship
My journey from DREAMer to U.S. citizen with Lending Circles for Citizenship People usually celebrate their first anniversary with paper, but I like to do
Diana gets tails wagging with a small business loan
For Diana, dogs are so much more than little balls of love and fluff Growing up in Mexico, Diana’s mother treated dogs like they were
Dejando pasar oportunidades: mi vida antes de la ciudadanía
Mi camino de Soñadora a Ciudadana, y el ahora aprovechar todas las oportunidades gracias a Lending Circles para Ciudadanía Las personas generalmente celebran su primer
Diana consigue buenos resultados en San Francisco con un pequeño Lending Circles por negocios
Paseador de perros consigue un pequeño préstamo de negocios en San Francisco que le da un impulso a su historial crediticio y a su negocio
Lesson Earned #4: (MAF) Metamorphosis
The best part about working for a small organization is the mobility that such a structure enables. When you walk through MAF’s offices, you’ll notice
Bringing together a Better Bay Area
MAF is bringing together the 10 best ideas for a more financially empowered Bay Area. MAF is excited to announce the Better Bay Area initiative
Keeping Lending Circles hot with Chhaya
Check out how Chhaya CDC is using Lending Circles to support their economic development curriculum. The temperature crept down to -1 degrees on the streets
Lesson Earned #3: Think Small
With such a heavy focus on bringing organizations to scale, we’ve forgotten the power community holds. Growing up, Mia Hamm posters plastered my walls –
When Passion Ignites a Path
After an eye-opening experience at a cleaning service company, Reina Aguilera left to start up her own business. As a young child in her home
Partner Spotlight: Henry of CLUES
An active member of the CLUES community, Henry has become an avid believer in the power of Lending Circles. A firm believer in experiencing a
Doing More with Partners
MAF is partnering with the Mexican Consulate to offer Mexican DREAMers an Exciting Opportunity. MAF is thrilled to announce a new partnership with the Mexican
Looking Ahead in 2015
We’re deepening our commitment to Deferred Action applicants and business owners with new programs. It’s a new year and we’ve got a number of new
Building a Better Bay Area
Find out how you can be part of something big Lending Circles, selected as a top 10 finalist in the Google Impact Challenge, has given
Rosa: The Long Road to Citizenship
Obtaining U.S. Citizenship brings about a new phase in Rosa Romero’s life. After a lifelong career as a teacher in El Salvador, Rosa decided to
MAF Says Goodbye to Founding Board Members
After years of guidance, MAF would like to say thank you to the three founding board members who will be leaving in 2015. As we
Lending Circles for Deferred Action Expands in LA
Bringing financial support to immigrants seeking Deferred Action With President Obama’s recent announcement on Deferred Action, the need to focus our attention on the financial
Fremont Family Resource Center Delivers a Recipe for Success
What is the secret to our partner Fremont Family Resource Center’s success? Find out here! Fremont Family Resource Center (FFRC) provides wrap-around financial services that
Welcome Alyssa: MAF’s Partner Manager
Alyssa’s passion for microfinance and community connections brought her to the MAF team. Alyssa’s steadied approach to discovering a place at MAF speaks to her
Give Credit where it matters
This December, support the credit-builders in your community. Here at MAF, we’re lucky to have the chance to watch incredible people use our products to
Blanca: Building her Beauty Salon Business Dream
Blanca’s come a long way from her days braiding her sister’s hair. Blanca’s childhood wasn’t always happy. Growing up in Mexico, her family was not
Lesson Earned #2: Get Rid of the Door
Why community based solutions are more than just a nice thought. When I was working in a startup incubator space last summer, I had the
From Partner Extraordinaire to Board Member
Follow Aqui’s journey with MAF and how she became our newest board member. Expanding community with a new board member I am thrilled to announce
A Warm Reception for Lending Circles in Minnesota
Thanks to our partner CLUES and a tight network of community nonprofits, we find lots of opportunity for credit-building in the Twin Cities Journeying to
Meet Karla Henriquez: MAF’s Program Coordinator
Find out how Karla Henriquez, MAF’s brand new programs coordinator, injects her fun-loving and warm personality into everything she does. Unlike many MAF staff members,
Diving Deep into Member Culture
In an effort to better understand our member culture, the staff decided to take time to learn about the upcoming holiday, El Dia de los
Financial Pride through Lending Circles
Find out how MAF & the San Francisco LGBT center have allied themselves to help all families gain financial stability to thrive. The San Francisco
A Time to Celebrate MAF 2.0
A community comes together to mark the next phase in Lending Circles Last Monday, October 20th we opened our doors to over 150 members of the
Javier: Striking Gold by Building Credit
An entrepreneur finds the secret to lifting up his business Javier began his entrepreneurial career in the United States with a carpet business. Now, as
Meet Jennifer Tse: MAF’s Curious Finance Associate
As MAF’s Finance Associate, Jennifer asks the important questions. Jennifer is one of the most inquisitive people I know. Though she works on the Finance
MAF Presents at Dreamforce
A conversation with MAF’s Product and Research Manager, Jeremy Jacob, offers a behind the scenes look at Dreamforce 2014 MAF has had a very long
Meet Isis Fleming: MAF’s problem-solving master
As MAF’s “People, Fun and Culture” Manager, Isis helps MAF run like a well-oiled machine. Isis has a calm and steadied presence about her that
A New Mindset: The John R May Leadership Award
An award recipient reflects on the meaning of success This week, the San Francisco Foundation presented MAF with the 2014 John R May Community Leadership
Lesson Earned #1: MAF Moves Pretty Fast
Join me as I strive to earn 11 lessons through my contributions to MAF Check in each month to get a better picture of life
Product and Research Fellow joins MAF
Aparna brings a love of people and numbers to MAF’s research team My name is Aparna and I am the new Product & Research Fellow.
MAF welcomes new Marketing Fellow
Meet Tori, who’s passionate about social enterprises and making an impact! I’m so excited to be joining MAF’s team as the marketing fellow this fall.
Being an Advocate for Prosperity
Lessons learned from the 2014 Assets Learning Conference When I came to MAF last year as New Sector fellow, I knew very little about domestic
MAF wins prestigious Community Leadership Award
The San Francisco Foundation reveals the winners of the 2014 Community Leadership Awards This week, The San Francisco Foundation announced the winners of the 2014 Community
SB 896: A Special Policy Briefing
Join MAF’s CEO, Jose Quinonez, in a discussion on the historic passing of California’s SB 896 Mission Asset Fund warmly invites you to our SB
Donor Spotlight on Robby Pinkard
Robby is passionate about energy and sustainability. Find out why he was inspired to be a MAF donor. Introducing our Donor Spotlight series, where we
SPUR of the moment
MAF explores the connection between urban planning and financial access. It’s mid afternoon on an exceptionally warm summer day in San Francisco as people begin
Leonor Brings Sunshine to the Community
Find out how Leonor used Lending Circles to launch a business to promote good health in her community For as long as Leonor Garcia can
SB 896 passes! CA becomes first state to recognize credit-building
It took just 13 months to build the future of nonprofit credit building In June of 2013, we started laying the groundwork for a piece of legislation
New Latthivongskorn: From dreams to medical school
New is a passionate public health advocate and the first undocumented student to enter UCSF Medical School It was near the end of high school
SB896: One signature away from history
After months of movement through the California Senate SB 896 has officially been sent to the Governor for final approval. Mission Asset Fund is thrilled
Forming a community with Lending Circles
When you join a Lending Circle, you aren’t just getting a simple loan. It was a chilly July evening in the MAF office in San
Welcome Ximena, Financial Services Manager
She brings her passion for business and community to the MAF team! Ximena Arias joined MAF as a Financial Services Manager in May 2014. With
Claudia: Becoming a U.S. Citizen
From Mexico to San Francisco, this stylist followed her dream and is a proud new U.S. Citizen There was a buzz of excitement in the
Little Plates, Big Heart
Find out how MAF’s microloans can turn little plates into big business In the middle of La Cocina’s large kitchen in the Mission District, a
Delivering Lending Circles to The Mile High City
Find out what connects a lunchbox, social loans, and Denver, Colorado. As I carried my Dad’s tiffin (A small metal Indian style lunch) box through
Microloan Spotlight: Elvia Buendia, Cupcake Boss
Elvia loved desserts, so she followed her heart and opened her own cupcake shop! Elvia Buendia grew up in a small town on the outskirts
Welcome Carmen Chan, DREAMSF Fellow!
Carmen, a Dreamer from Venezuela, shares her story and dream to help undocumented youth. Carmen Chan recently joined the MAF team as an Outreach Fellow through
Shifting the focus on finance: Interview with Sarah Peet
An insight into how Sarah Peet captures the essence of social lending and the people of Mission Asset Fund. Sarah Peet is a passionate photographer
Love and Money
Yale Sociology Professor Fred Wherry explains how money can complicate love. What makes life worth living also makes it harder to navigate: Love. We love
Google Challenged
A look back on our incredible Google Challenge experience “You guys are not going to believe it!” Tara Robinson, MAF’s Chief Development Officer, said with a
Let’s Buddy Up: Joining the Lending Circle network
MAF collaborates with CABO to expand Lending Circles in Los Angeles When the Assets & Opportunities Network convened in December, Andrew Chang and I had
MAF’s Emerging in LA
MAF is setting the stage for the future of Social Lending I recently started working at MAF and before I got in the door, Daniela,
Screwing in the light bulb with GoogleServe
How many Google employees does it take to screw in a light bulb? We don’t know. But we do know how many Google employees it
Training our partners for success
We travel to LA to form MAOF’s first Lending Circle Watching a group of people form their first Lending Circle is an inspiring experience, especially
Lending Circles son bienvenidos a Miami!
Find out how MAF is making waves in Miami! Jose, Daniela, and I set off to visit a promising new community to bring the Lending
Calling all Dreamers
Jesus Castro shares his own story and hopes it inspires others to apply for DACA. One of the things I find so empowering about our work
California DREAMing: DACA and the making of an American dream
MAF member, Ju Hong, talks about Mr. Hyphen and the American Dream. Ju Hong is a man of few limitations. He is a research assistant
Behind the design: interview with Digital Telepathy
Check out the design thinking behind the creation of our new website! Our new website has been a labor of love for us at MAF, but
MicroLoan Spotlight: Yeral Caldas, Feeding the heart
Yeral was born in Chimbote, a coastal city in Peru. He has two brothers and two sisters. His mother had her own business and his
Vote MAF for a better bay area
MAF is a finalist for the Google Bay Area Impact Challenge. We need your support to make the top 4! We are excited to announce
Leveling up with new social loan sites
Today we are thrilled to unveil a brand new website. But to us, it’s really more meaningful than just a new look. Welcome to our
Building momentum in Chicago
Senior Account Manager Daniel Lau shares his experience on bringing Lending Circles to Chicago I open an email from our CEO Jose: “Daniel, save March
The Credit Catch 22
There’s always a catch. With credit, there’s a Catch 22! It’s too easy for hardworking people to get stuck in this Credit Catch 22. For
Is a new logo like getting a new uniform?
When a new nonprofit is founded, it’s usually someone’s cousin or friend who gets the task of designing the new logo. They do the best
Shifting the focus on social lending
Jan Stürmann, a videographer based out of San Francisco, produced four awesome new videos highlighting MAF’s programs and how social lending really transforms people’s lives.
A dream no longer deferred
Edgar did something a few weeks ago that he had been dreaming of for the past two years. On a sunny day in San Francisco’s
Clearing the path for Lending Circles
Last month I joined Senator Lou Correa (D-Santa Ana) in Sacramento to introduce an important piece of legislation that will elevate the work of nonprofits who
Social loans enable affordable credit
How do social loans help people get a better deal? By giving them a chance to build on what they have. As a recent college
This is what 5 years of social lending looks like
Five years ago, we never could have imagined releasing this publication. When MAF first started it’s social lending program, Lending Circles, we had no idea
Itzel: A DREAMer making a difference
I think things are going to go great and we’re going to look back and say, yes, we made a difference Itzel always knew she
Jesus: young community builder
When immigration reform goes through, I want people to feel safe in a program like DACA. It’s here to help us. When Jesus was five
Bruno: Design dream team
Bruno and his wife came to Lending Circles to jump start their graphic design business. Bruno and his wife, Micaela came to the United States
Pablo: Aspiring Filmmaker
After participating in Lending Circles and Financial Education, Pablo figured out how to navigate the US financial system When Pablo moved to San Francisco 11
Helen: A Mom with a Dream
Helen came to Mission Asset Fund with a dream– to rent her own apartment Helen is a single mom who came to Mission Asset Fund
Luis and Zenaida: A family of chefs
An exhausting work schedule motivated Luis and Zenaida to envision a different future for themselves. Lending Circles helped them get there. Zenaida and Luis reacted
Veronica: A Visionary Restaurateur
Veronica reached her dream of owning a restaurant after participating in a Lending Circle. An immigrant from Mexico, Veronica came to Mission Asset Fund with
Aqui: Lending Circles with filipinos in L.A.
Aqui didn’t give up. She called Jose every few months to see if he was ready yet. Now her organization PWC offers MAF’s full suite
Alicia: Tamale trailblazer
Alicia went from door-to-door sales to owning her own tamale food cart, using Lending Circles to overcome her debt and lack of credit score. When
Christina: an entrepreneurial fashionista
Fashion truck owner overcomes struggle to build credit history and a business at the same time Christina Ruiz is the owner of TopShelf Boutique, San
Olivia: cooking from the heart
Small business owners Olivia and Javier started Eleganza Catering but needed Lending Circles to reduce medical debt & build their business Olivia Velazquez and her
Leticia: Rising up
There is a saying when one hand helps the other hand, and together they applaud much louder than one alone. Leticia immigrated to the Bay
Lending Circle Program Evaluation Released
At MAF, we’re all about understanding the impact of our work in the communities that use our products. Over the years, we have seen hundreds