作者: Aparna Ananthasubramaniam

MAF的12个圣诞数据点

节日快乐,从我们的MAF家庭到你的家庭!

在这一年即将结束之际,我们不仅要对2018年进行反思,而且要对十年来的生活进行反思。 我们的价值观 在社区中。在过去的10年中,MAF已经提供了 Lending Circles, 移民商业贷款, DACA费用援助财务辅导 向超过15,000人提供了服务 -- 在美国的帮助下,在全国范围内扩大这种影响。 技术 和60岁以上 非营利性合作伙伴.

现在我们走得更远。在过去的十年里,我们从人们的金融生活中收集了宝贵的数据和见解。凭借关于人们如何在最困难的情况下生存和发展的庞大数据集,我们正在将我们的研究见解转化为该领域的可行经验。

我们通过分享一些令我们印象深刻的见解来庆祝这个节日。

我们希望你喜欢MAF的12个圣诞数据点。 

而且 查阅我们的简短报告该报告介绍了这些发现和更多内容。

你可以通过在社交媒体上关注#MAFInsights,与MAF的研究团队保持联系。 Missionassetfund.org/research.

用他们自己的话说。梦想家的希望

反应迅速是我们组织和我们研发团队的主要目标之一。在一次成功的 DACA更新费用援助计划我们调查了客户,以确定我们可以继续提供最佳支持的方式。现有关于DACA接受者的研究。 家庭和就业情况,以及 DACA的好处.我们想通过了解我们社区对未来的希望和梦想来增加这种讨论。

这就是为什么我们提出了一个由三部分组成的开放式问题。 "如果你有获得美国公民身份的途径,你的个人、财务和职业抱负是什么?"

我们邀请受访者在这三个类别中分别填写愿望,有350人(约占总受访者的80%)回答。我们对他们输入的文本进行了系统的编码,并对其中96%的答复进行了编码。最后,我们e 编码 46 人们分享的不同希望和梦想。 这个过程帮助我们以一种全新的方式看到我们所服务的社区的多样性。请看这个信息图,了解我们的学习成果。 

DACA接受者的十大愿望。

主题1:DACA获得者渴望支持他们的家庭和社区

虽然我们没有为受访者提供预选的选项,但我们看到回答中的高度趋同。回馈和帮助他人是这些回答中出现的关键主题。受访者谈到他们的愿望是进一步支持他们的家庭(46%),进入一个帮助的行业(43%),并回馈他们的社区(23%)。 鉴于我们之前的发现,几乎所有受访者都已经以某种方式支持他们的家庭和社区,这一点尤其重要。一位受访者与我们分享了。

"我个人的愿望是有一天生活能够如此稳定,不仅能够帮助我在危地马拉的家人,而且能够帮助许多试图逃离我们国家所有暴力的儿童。给许多经济上负担不起上学的孩子提供教育。"-21岁,亚利桑那州

主题2:DACA接受者正试图在他们的生活中创造一种稳定感

安全感是一个经常出现的主题,46%的受访者说他们希望增加他们的经济稳定性,30%的受访者说他们希望减少担心,过上幸福的生活。DACA接受者希望创造稳定感的前四种方式:1) 追求或完成教育(39%),2) 买房(33%),3) 获得更好的工作质量(33%)或4) 拥有自己的企业(18%)。 一位受访者告诉我们。

"我希望我的家人不必担心被驱逐出境,回到一个我们13年多没有去过的地方。我还希望我的社区不必总是处于恐惧之中,也不必为自己说话,以免遭到报复。"-20岁,加利福尼亚

 

这些数据正在帮助我们了解激励我们所服务的社区中很大一部分人的动机和愿望。它正在帮助我们开发新的产品,专门用于帮助我们的客户实现他们的愿望,包括。

  • 一个网络研讨会系列 以帮助客户探索 自营职业的选择。 作为改善工作保障和职业前景的一种方式。
  • *即将推出* - 我们正在建立一个财务辅导应用程序,其中包括面向帮助人们建立家庭财务稳定的内容。
  • 将这一数据组扩大到包括所有贷款客户:我们现在要求所有客户分享财务愿望--这样,我们就可以掌握今天和未来对他们重要的东西。

DACA=更好的工作,稳定的家庭

$46亿。这就是DACA受益人为我们增加的估计价值。 国内生产总值.除了众所周知的对我们国家的经济影响外,还有大量的 关于正面效益的研究 DACA计划为其79万名员工提供了一个新的机会。 DACA接受者 和他们的家庭。MAF很荣幸有机会帮助超过数千名DACA接受者,为他们提供费用援助补助,以确保费用不会妨碍保护的方式。我们知道DACA是至关重要的,但我们想直接从我们的客户那里听到这个消息。我们在一项调查中邀请他们。

  • 解释DACA如何帮助他们(442个回答)
  • 分享关于DACA如何帮助他们、他们的家庭或社区的故事。(363个回答)
  • 分享有关政府宣布终止DACA对他们、他们的家庭或社区产生影响的故事。(379个回复)

60%+说DACA帮助他们获得更好的工作质量

DACA在帮助我们的客户获得更好的职业机会方面发挥了作用,从获得更好的工作质量到追求职业目标和教育机会。DACA受益人说,他们找到了工资更高的工作,改善了工作条件,开办了企业或有了充实的长期职业机会。 例如,一位来自德克萨斯州的20岁客户告诉我们,DACA如何使她获得社会安全号码,为她的护理事业打开了大门。 DACA帮助我追求我的护理事业。我在高中时参加了一个CNA计划,但在我毕业后,我无法参加考试,因为我没有社会安全号码。在获得DACA资格后,我能够获得我的CNA执照,作为CNA工作,现在继续大学课程,努力成为一名RN。-20岁,德克萨斯州

 

64%说DACA帮助他们更好地支持他们的家庭

一户人家的中位数为4人。 更好的工作和教育机会意味着更稳定的家庭。 我是四个孩子中的老大。我的父亲打零工,只是为了确保我们的生活稳定。在我获得DACA后,我高中毕业,有机会上大学,现在我有一份收入不错的工作,能够帮助我父亲维持我们的家庭。我们从勉强得到这都要感谢DACA。" - 20岁,加利福尼亚?

48%说DACA让他们对美国有了更大的归属感。

毫不奇怪,DACA受益人在美国的生活经历既是局内人又是局外人--在一定程度上融入了社会,但不能像他们的同龄人一样拥有同样的机会和特权。获得法律和劳动力保护往往有助于开启梦想和目标。 DACA让我对自己更有信心。它告诉我,机会就在那里,我所要做的就是努力工作,为我想成为的人而奋斗。DACA是无证学生的盟友。有了DACA,我不仅感到安全,而且还给了我很多不放弃的力量。 -19岁,加利福尼亚

在失去DACA的威胁下,客户非常担心会失去家中的一切,不得不重新开始。

数以百计的人在回复中写道,他们的损失将是多么具体:失去经济稳定、就业、教育、心灵的平静,或自信和归属感。人们担心,如果他们不得不离开,他们将如何努力适应文化,学习他们出生国的语言。 

[infogram id=”1pdzx50qnz651xhmz0wpgrpmqeap12099y”]

 

然而,许多人表达了坚韧和积极的态度,表示对他们社区的力量有信心,并确信他们可以在未来找到机会,比如这位来自加利福尼亚的24岁年轻人。

"说到所有80万个梦想和DACA申请人,我们并不害怕。我们不会轻易放弃。我们代表这个国家的未来。我们是美国,我们正在帮助这个第一世界国家在经济和财政上取得成功。我们如此努力地工作,才有了此刻的地位。我们的父母为了我们有一个更好的未来,更好的教育,更好的生活而留下了一切。[废除DACA]的决定使我们比以往更强大,它给了我们不停止实现目标的工具"。

 

DACA。44个国家和70个国家

2017年9月,MAF启动了全国最大的DACA费用援助项目,为全国7600名梦想者服务。在一系列博文中,我们将分享有关我们服务对象的信息,以及我们在向数千名DACA客户发起调查后了解到的DACA接受者的财务生活。

2017年秋季,MAF的DACA费用援助计划为加州每10个DACA接受者中的1个提供支持

当现任政府宣布DACA将被终止时,MAF转而对一个紧迫的需求作出回应。在几天内,我们发起了一个 DACA更新费用援助计划 向有资格在10月5日截止日期前更新其DACA工作许可的个人提供$495的补助。在4周内,我们帮助了5,078名DACA接受者(到2018年1月,这一数字上升到7,600)。在2017年9月和10月,我们帮助了所有向移民局提交申请更新DACA的人中的近7%--以及每10个居住在加州的DACA接受者中的1个。

我们为高需求的客户提供了紧急救济。2017年DACA费用援助申请人中有89%来自于低收入家庭

镜像 所有DACA接受者的全国分布在我们2017年服务的客户中,有57%的客户是女性,典型的费用援助接受者是23岁。大约89%的受助人来自低收入¹家庭;4人家庭的年收入中位数为$24,000。

了解MAF的2017年DACA费用援助对象。

接受服务的DACA接受者来自44个州,来自71个国家。

 

倾听社区的声音对于良好的项目设计至关重要

尽管DACA费用援助计划是有时间限制的,但我们知道,我们希望继续建立项目,以支持这个DACA接受者及其家庭的社区。除了收集每个客户的人口统计学数据,我们还对2017年申请费用援助的所有5,078名申请人进行了英语和西班牙语调查,以更好地了解他们的新需求。

这项调查以过去的研究为基础,深入探讨了财务需求和愿望

在过去的研究基础上,DACA受益人的研究由以下机构进行 汤姆-黄联合起来,我们的梦想我们的调查旨在向申请人提出问题以了解情况。

  • 接受DACA对他们有什么帮助
  • 我们的受访者如何利用DACA来支持他们的家庭
  • 申请人对自己和家人最关心的财务问题
  • 我们的受访者的个人、财务和职业抱负
  • 申请人对MAF项目的不同方面的体验和反馈

在为期两周的调查期结束时,我们收到447份答复,答复率为8.8%。其中约6%的答复(26份答复)是用西班牙语。

总的来说,我们的调查对象与我们的申请者群体密切相关,只有少数例外。类似于 这个社区的其他在线调查我们收到了较高的女性调查回复率:63%的人回复了我们的调查,而MAF的客户中有57%是女性。我们也倾向于收到更多来自年龄稍大的群体的回复。55%的调查对象年龄超过23岁,而MAF的客户则为45%。

分享见解意味着利用社区的声音来推动金融服务的发展

这项调查使我们对项目申请人有了丰富的了解--他们的梦想和恐惧。在接下来的博文中,我们将分享我们听到的见解和我们收集的数据点。我们也一直在使用这些数据来指导我们自己的工作。我们很高兴分享这些见解,作为我们持续战略的一部分,倾听我们服务的社区--并与我们合作的伙伴分享他们的故事。在接下来的博文中,你会了解到更多关于我们的项目是如何满足我们通过研究发现的需求。

根据这一调查数据。 我们正在推出新的项目 以帮助客户获得高质量的就业,支付与移民有关的申请费用,并建立信用和财务安全。

 

¹ 这里的 "低收入 "是指受助人的家庭收入低于所在县相同规模家庭的地区中位收入的80%。地区中位数收入的数据来自住房和城市发展部的2017年 数据库.
² 我们在2017年10月进行了调查,调查工具有12个项目,包括8个封闭式项目和4个开放式项目。我们向所有客户发送了一封初始邮件,并向那些没有完成调查的客户发送了一封后续邮件提醒。
³ 我们只报告 具有统计学意义 差异,至少有一个 中等效应大小.

MAF亮相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 and successful history with Salesforce, both as a community and financial partner, so we were excited to participate in several presentations at this year’s Dreamforce conference. One of our sessions was incredibly special, because we gave a first ever public look at our new Salesforce-based Social Loan Platform.

Without Salesforce, we would not have been able to create the Social Loan Platform that creates easy access for Lending Circle clients, and streamlined Lending Circle management for our partners. Salesforce is an integral part of MAF’s network approach to scale.

We wanted to take some time after our busy schedule at Dreamforce to talk to one of the people behind this amazing, unique platform to learn a little more about how this magnificent piece of technology was forged.

After the Dreamforce dust settled we took a moment to sit down with Jeremy Jacob, our Product and Research Manager, to pick his brains about the new Social Loan Platform and how we turned an idea into reality.

How did we first get started with Salesforce?

Back in 2007, MAF was granted 10 free licenses to what, at the time, was a rapidly growing CRM company. The grant was part of this company’s 1:1:1 philanthropy plan of donating 1% of its product, 1% of its equity, and 1% of its time. Early on we saw the potential of this system as not only an internal tool, but rather as an entire platform for our programs. Little did we know at the time that the decision to start using Salesforce on day one would lead us down the path that we’re on today.

While we had been building out our original system, MAF 1.0, Salesforce had also been building out their product. What had started out as a customer management tool had rapidly begun much more than that. It had become a platform that easily allow any organization or business to create customized products and systems with an incredible degree of flexibility and efficacy. So when we started to think abou the next step for MAF, we knew exactly where to look first.

Why did we choose Salesforce as the core of MAF 2.0?

We had several requirements for the next version of MAF’s loan servicing platform. #1 was that it had to be much more than just a loan servicing platform! We needed to build a system that would allow us to efficiently bring Lending Circles to communities across the country. One that would enable us to serve clients from the moment they hear about Lending Circles until the last day of their loan. And one that would be so intuitive that any staff at our partner providers could organize a Lending Circle.

The increadile flexiblity of the Force.com platform allowed us to build a product that was intuitive and effortless for all users, from our clients, to our partner providers, to our own internal staff. By building off of the platform, we were able to use a combination of out-of-the box solutions and components, including Conga, Docusign and Cloud Lending’s NEON product, to build a system that would allow us to easily service hundreds of highly customizable social loans a month.

What does the new system allow us to do?

As I said earlier, we needed this system to do more than just service social loans, we had already developed one of those. We wanted a build a system that encompassed all facets of the loan process.

Our new hub for all things Lending Circles, LendingCircles.org, allows prospective Lending Circle clients to locate a Lending Circle provider in their area on their PC, mobile phone, or tablet and then submit an application. By utilizing Docusign, Clicktools, Conga Composer and Everfi, we’re able to offer online financial education along with a paper-free enrollment process.

Once an applicant applies, the Community Cloud allowed us to easily set up a one stop shop where our partner providers can manage applicants and form Lending Circles. By utilizing VisualForce pages we’re able to create an intuitive and accessible way for any partner providers to easily form Lending Circles and manage their loan portfolios.

Using Salesforce also allows us to streamline our other business processes, from marketing to financial accounting, enabling our internal teams to work more efficiently. This will allow us to bring Lending Circles to more and more clients and partners across the country at the lowest cost possible.

By choosing to build our social loan platform with Salesforce, we were able to build a system that brings Lending Circles to to communities across the country, in turn helping to create a fair financial marketplace for all hardworking families.

社会贷款能够提供负担得起的信贷


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 grad myself, I know that just because I have a credit score doesn’t mean it’s a good one. In fact, many of my peers and I are learning that having a good credit score translates into direct savings in our pockets as we start thinking about financing larger purchases and investments. It turns out that the majority of MAF’s clients who take out one of our social loans actually start with much lower (or nonexistent) credit scores than the nation as a whole, meaning that if they have access to loan products their paying a lot for them. That’s because, for people with low credit scores or very limited credit histories, even a small positive change can have a large impact on the interest rates for important lines of credit such as car loans, mortgages, and even credit cards.

A credit score doesn’t just determine if you get approved for a credit card, but also how much interest you pay.

Most of our clients start with credit scores below the national distribution. As we can see in the chart below, the median credit score of one of our members is around 650, while the national median is somewhere closer to 720. That translates into much higher borrowing costs for our participants.

Our programs include both access to social loans as well as financial management training, which helps enable people to take the first step in towards gaining access to more affordable credit. Often lack of or low credit gets talked about in terms of lack of  access. It’s true that if you don’t either don’t have a score or have a very low score you won’t have access to the same type of financial products as those with established histories. But even if those with nonexistent or poor credit who do have access to these products will pay substantially more for them. I’ve laid out how much you’d be expected to pay for various loan products depending on your credit score in the infographic below:

By making positive payments on their social loans, participants are improving their credit one step at a time. A higher credit score means lower borrowing costs for debt. If  hard-working people with limited or damaged credit want a chance at avoiding sub-prime rates, then using low-cost financial products like a social loan, paying back loans on time, and saving are all great places to start.

Remember, responsible low-cost credit (like social loans) builds responsible, reputable borrowers!

巴勃罗。有抱负的电影人

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 years ago from Columbia, he discovered that just because he had no debt, it didn’t mean he would have it easy in building a new life. But without a credit history, he had no score. After joining a Lending Circle and taking financial education classes at MAF, he learned about navigating the U.S. financial system and that to improve his score, he needed to take on affordable debt and pay it off on time. He used his loan towards paying for college and investing in his future career. A Political Science and Journalism student, Pablo is working on his first feature film on the 2014 World Cup qualification process in Brazil.

“Mission Asset Fund gave me really good tools to manage my money.”

“Mission Asset Fund gave me really good tools to manage my money. I’ve had two years without having to work in a restaurant thanks to the things I’ve learned from Mission Asset Fund. I’ve been in school and have been dedicating my time to finish my degree.”

A truly enthusiastic participant, Pablo is always recruiting his friends to join Lending Circles and take advantage of the opportunity to learn more. He has also joined a Lending Circles for Citizenship with MAF to finance another dream: becoming a citizen.

海伦:一个有梦想的妈妈

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 with a dream– to rent her own apartment. An immigrant from Guatemala, Helen was an unbanked mother of two small children. Because she couldn’t afford the security deposit and didn’t have a credit score, Helen was forced to rent rooms in three different apartments over the course of a year. Some apartments were so full that hallways were turned into bedrooms. Riddled with excessive moisture and mold, these apartments left Helen’s daughter with a persistent cough.

Because she couldn’t afford the security deposit and didn’t have a credit score, Helen was forced to rent rooms in three different apartments over the course of a year.

While working part-time at local nonprofits, Helen continued her search for a stable apartment for her children. In May 2011, she joined a Lending Circle to build her credit and save for a deposit. Helen’s mom unexpectedly fell ill, so Helen decided to send the money home to help her get the eye surgery she needed. A year later, with financial management training and $4,100 in zero-interest credit-building loans, a Helen emerged with a new credit score of 673. Now, she has her own apartment for her family and even bigger dreams.

Veronica:一个有远见的餐厅老板

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 a dream of owning a restaurant to serve her Mexico City favorites: gorditas, huitlacoche, huaraches, and pozole. With ingenuity and help from a local food entrepreneur incubator program, Veronica’s business grew from small time catering to a traveling food truck. She even won a developer’s contest for a new storefront space. But without a credit score, Veronica could not qualify for the business loans she needed to supply her new restaurant.

But without a credit score, Veronica could not qualify for the business loans she needed to supply her new restaurant.

After joining the Lending Circles program, Veronica was able to pay down her debt and invest in her business. After two years of financial classes and zero-interest credit-building loans, she raised her credit score to 615. This enabled her to qualify for new lines of credit from wholesale suppliers to further invest in her business. Now, Veronica has 20 employees working with her at her new restaurant in Marin County, El Huarache Loco. Please check out Veronica’s new restaurant to enjoy her delicious food!

Lending Circle项目评估发布


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 of people who have been on the margins of the financial mainstream walk through our doors looking for a way to help themselves navigate the world of finance by joining a Lending Circle. While witnessing these lives transformed by a Lending Circle has made us believers, it’s often been difficult to communicate these diverse impacts to the world. We know that a Lending Circle can help people achieve their financial goals, and but we needed the numbers to prove it. That’s why we had independent evaluators at San Francisco State University’s Cesar Chavez Institute study the impact of a Lending Circle on credit improvement among more than 600 participants in five Bay Area communities over two years. We learned that:

1) Pairing the Lending Circle program with financial education is a great model for increasing the financial capability of low-income consumers nationwide.

  • Average increase in credit score post-Lending Circle: 168 points
  • Average reduction in debt per participant post-Lending Circle: $1,000 
  • Average credit score post-Lending Circle: 603

2) Our Lending Circle model works with different non-profit partners.

In their second report, the researchers found that the Lending Circle program has similar results with a wide range of communities and organizations, including recent Chinese immigrants offered the program though The Chinese Newcomers Service Center  and the LGBT community offered the program through The SF LGBT Center, demonstrating its wide appeal.

  • Participating in financial education increases credit scores by an additional 27 points
  • Community-based non-profit organizations are an ideal vehicle for implementing the Lending Circle program

With the results from these two reports, we’re able to effectively communicate the impact of our work to the world. We’re finally able to prove that a little idea that started 5 years ago in the Mission is can make a huge difference in the financial lives of hardworking families.

For more in-depth insights, be sure to check out the full reports.

A special thanks to the Ford Foundation, Center for Financial Services InnovationCiti Community Development for supporting our work!

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