From Tandas to Bank Loans

José Quiñonez created an organization to help unbanked low-income immigrants establish credit history to be able to get credit cards, take out loans, buy a car, or rent an apartment. The former undocumented immigrant works with credit bureaus to get them to accept the practice of tandas or cundinas and other informal lending circles. His organization operates in 17 states and his model is being used in many communities.

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