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Grantmakers Concerned with Immigrants and Refugees (GCIR) | 2014

Dreamer Loan Programs: The Power of Partnerships with Community Development Credit Unions

With the goal of helping philanthropy understand funding opportunities in this sector, this report provides an overview of five Dreamer Loan programs; identifies their common and distinguishing features; and underscores timely financial empowerment opportunities presented by DACA. This report also considers how philanthropy can help replicate such loan programs in various regions of the country.

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2013 Assets & Opportunity Scorecard

Living on the Edge: Financial Insecurity and Policies to Rebuild Prosperity in America

Although the post-recession economy is showing signs of recovery millions of Americans are still scraping by. As policymakers make decisions over the next few months about whether to fund programs that provide a lifeline to a better future for millions of Americans, they should take a hard look at the...

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Policy Brief: State Microenterprise Support

Small business ownership has consistently been a path to America’s middle class – particularly for minorities, immigrants and the economically disadvantaged. Business equity is second only to homeownership as a share of household wealth nationally. Very small businesses, or microenterprises,1 represent more than 80% of all businesses in the United States, and are a key job creation strategy in...

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Unaccounted: How many Americans don’t own bank accounts?

Owning a bank account is among the most basic symbols of financial security and independence.

 

Yet a shocking number of Americans are disconnected from the financial mainstream. They don’t own a bank account; they get all or most of their banking services from check cashers, payday lenders and other non-bank “alternative” providers; or they rely entirely on cash...

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Women and Men Living on the Edge: Economic Insecurity After the Great Recession

This analysis of 2010 data from the IWPR/Rockefeller Survey of Economic Security reveals the degree of economic hardship that men and women have continued to endure following the official end of the Great Recession. This gender analysis finds that women have experienced higher levels of economic insecurity than men; higher proportions of women, particularly single mothers and women of color,...

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Lifting As We Climb: Women of Color, Wealth, and America’s Future

This report draws attention to the wealth gap across lines of race, gender, and class, with a focus on the wealth (or lack thereof) among women of color. Based on data analysis of the 2007 Survey of Consumer Finances, the authors examine the types and amount of wealth held by women of different racial/ethnic groups, explaining the policy and institutional factors that contribute to women of...

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Income, Assets, and Poverty: Older Women in Comparative Perspective

This study compared the aspects of economic well-being of older women in the average households of five countries. In the United States, older women’s households reported holding nearly four times as much in assets as the average American household. Even single older women held assets worth three times as much as the national median per household. The authors theorize that this is due to high...

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Financial Help among Family and Friends in Vulnerable Neighborhoods: Part 1: Who Gives?

This fact sheet examines what percent of respondents in low-income neighborhoods gave financial help, either to family and friends or to other people they live with, in the last 12 months. The percentage of respondents who gave financial help is high 39 percent, with substantial variation within immigrant and U.S.-born respondent groups by race and ethnicity in the proportion that gave and...

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Women, Wealth and Mobility

Using 1925-2000 estate tax return data from the Internal Revenue Service, the authors of this paper found that the share of women among the very wealthy in the United States (top 0.01 percent of the income distribution) peaked in the 1960s, reaching almost 50 percent, and declined to about one-third during the following three decades. They argue that this pattern reflects the increasing...

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Racial Disparities and the New Federalism

The paper explores how shifts in both social welfare policies and economic conditions beginning in the mid-1990s altered the relative well-being of blacks— compared to whites—between 1997 and 2002. It uses the National Survey of America's Families (NSAF) to assess how the relative well-being of black families improved or disparities persisted.

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The Gender Asset Gap: What Do We Know and Why Does It Matter?

This is a comparative report on the gender asset gap in a number of higher-income (United States, United Kingdom, New Zealand, etc.) and developing (India, Columbia, etc.) countries. The gender gap in wealth has been narrowing for the U.S. since the 19th century, partially due to changes in legal and social practices. The report suggests that there is more work to be done in order to identify...

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Economic Mobility of Single Mothers: The Role of Assets and Human Capital Development

This study examines the relationship between single mothers’ financial assets and their economic mobility. Analysis of data from the National Longitudinal Survey of Youth (NLSY79) indicates that this relationship may be positive but that it varies across income levels. These within-group variations are important for designing effective asset-building policies and programs.

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Gender, Marriage, and Asset Accumulation in the United States

With the understanding that marriage has historically been a source of financial security, particularly for women, this analysis seeks to identify variations in household wealth by gender and family type in the United States. Through analysis of the 2001 Panel Study of Income Dynamics, the authors find that there are large disparities in wealth between married couple households and households...

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