Author Archive | thecef

CEF Savings Program Featured by CFED Blog!

Check it out! Alex Biggers, CEF’s Savings Program Coordinator, was invited to write a guest post on the CFED Inclusive Economy Blog. We’re famous!

Read Alex’s entire and beautifully written post on the CFED Inclusive Economy Blog by clicking here, or check out the excerpt below.

“While traditional Individual Development Accounts (IDAs) work towards three main asset purchases – homeownership, education, and small business development – we recognized that savings and housing were in themselves assets to the homeless living in and transitioning out of shelters. While staying at shelters, expenses tend to be minimal. However, when it comes time for many residents to move out, they find that despite their best efforts, they still don’t have enough money – for a rental deposit, furniture, utility deposits, and a financial cushion for emergencies. Though some may have enough funds to move into proper housing, many people have a hard time keeping up with their rent while dealing with volatile incomes and unexpected expenses, and many even return to homelessness.

“Based on the unique need of our members, we structured the savings accounts to incentivize savings towards anything the CEF members see valuable, be it $2000 for an emergency fund, $150 towards a refurbished laptop, or $900 to move into new housing. CEF members define both the amount of the goal and the asset. Unlike a traditional IDA, the CEF match rate is only 10%. Although low compared to other match savings programs, CEF staff has found that this rate truly does incentivize saving, while still allowing the program to remain flexible and easy to administer.

“…Through a network of strong relationships, assertive individualized support, flexible accounts and matches, holistic education, and self-selected goals, CEF continues to facilitate savings, promote asset-building, and create access to a mainstream financial world for a population normally deemed “too poor” to be served by most IDAs. By continuing to listen to and believe in our members that have believed so much in us, we hope that we can move our community closer to realizing their own self-defined goals and promoting financial stability.”

Our thanks to the folks at the Corporation for Enterprise Development for spreading the word about the Community Empowerment Fund and our savings program!

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The Scoop on CEF’s Durham Branch – From Janet Xiao, Durham Program Co-Coordinator

How It All Got Started

Dreams of a Durham branch first began when the CEF team realized that there was a high demand for CEF’s services in the Durham area. Since its inception, CEF has received numerous calls from both residents and social service agencies in Durham. Sometimes inquirers were able to make their way to the Chapel Hill office, or volunteers were able to meet them in Durham, but ultimately it was hard to sustain the cross-city relationship.

Because of Duke University’s numerous connections with UNC (rivalries and otherwise) and its location in Durham, the occasion for an institutional partnership was perfect. Many factors coalesced to make it all happen – interested students from the two campuses came together through Bob Korstad and Jim Leloudis’ joint UNC-Duke class on poverty, and the Kenan-Biddle Partnership awarded CEF a grant that would fund the Durham endeavor. Multiple community partners were highly supportive of the expansion – doors opened at CASCADE @ Durham and Housing for New Hope for volunteers to hold Opportunity Classes, and the Self-Help Credit Union generously donated office space in a prime location downtown.

CEF Durham branch’s first initiatives were carried out during the Spring semester of 2011. With support from Santiago Beltran, Duke students Hannah Colton and Nancy McKinstry co-led an Opportunity Class at CASCADE, a substance abuse treatment program for pregnant, postpartum, and parenting women and their children. In addition, Donesha Pitts became the Durham branch’s first “member” to be paired with Advocates, Duke students Laurel Sister and me.

 

At the Dove and Phoenix House

After the semester ended, I stayed to complete a summer DukeEngage program with CEF. The summer staff team and I continued the work of the Durham branch. Alex, Maggie, and I paid weekly “finance office hours” visits to the Dove House, Housing for New Hope’s transitional housing unit for women recovering from addictions. The Dove House’s residents welcomed CEF volunteers to their dining table, consistently finding time in their busy schedules to check credit reports, craft budgets, and plan for their financial future.

In July, we met the Phoenix House men at the first Housing for New Hope Opportunity Class, held jointly between the two houses. These classes have been held once every two weeks, and we have just completed the first set of an eight-session curriculum. Along with these classes, several of the Dove and Phoenix House residents have opened up CEF Savings Accounts. Both the Dove and Phoenix Houses have never ceased to be gracious in hosting us, and it has been an absolute pleasure spending Wednesday evenings and Thursday afternoons with them.

 

Getting Established at Duke

At Duke, our efforts are underway in recruiting a solid team of advocates. Volunteers interested in getting involved in CEF have started out by attending Opportunity Classes at the Dove and Phoenix Houses. A few students have now been paired with Members as Advocates, and are beginning to work closely with their members.

This process has been greatly facilitated by a team that has taken on specific roles in organizing volunteers and connecting to community partners. Cara Haselrig, who is currently completing an internship with CEF, has been instrumental in pairing members with advocates. Recent UNC graduate David Horton has also recently taken on a role as co-coordinator and resource development representative.

 

What’s Next?

In the next few months, we will begin hosting Opportunity Classes at the Achievement Academy, a non-profit organization that provides educational resources to young adults. This will be the first youth-oriented financial literacy class conducted by CEF. We are also hoping to host small business classes in the spring, given the significant demand for these classes from folks in Durham. In light of these forthcoming developments, we are planning further outreach on Duke’s campus to recruit volunteers, including a screening of CEF’s documentary and a panel discussion.

The process of initiating the Durham branch over the past year has been greatly rewarding, and could not have been achieved without the strong support of our beloved community partners. As we continue to grow and expand, we are looking forward to building fruitful relationships and continuing CEF’s work in Durham. If you are interested in getting involved, feel free to contact us at janetx@communityempowermentfund.org.

 

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The Scoop on CEF’s Durham Branch – From Janet Xiao, Durham Program Co-Coordinator

How It All Got Started

Dreams of a Durham branch first began when the CEF team realized that there was a high demand for CEF’s services in the Durham area. Since its inception, CEF has received numerous calls from both residents and social service agencies in Durham. Sometimes inquirers were able to make their way to the Chapel Hill office, or volunteers were able to meet them in Durham, but ultimately it was hard to sustain the cross-city relationship.

Because of Duke University’s numerous connections with UNC (rivalries and otherwise) and its location in Durham, the occasion for an institutional partnership was perfect. Many factors coalesced to make it all happen – interested students from the two campuses came together through Bob Korstad and Jim Leloudis’ joint UNC-Duke class on poverty, and the Kenan-Biddle Partnership awarded CEF a grant that would fund the Durham endeavor. Multiple community partners were highly supportive of the expansion – doors opened at CASCADE @ Durham and Housing for New Hope for volunteers to hold Opportunity Classes, and the Self-Help Credit Union generously donated office space in a prime location downtown.

CEF Durham branch’s first initiatives were carried out during the Spring semester of 2011. With support from Santiago Beltran, Duke students Hannah Colton and Nancy McKinstry co-led an Opportunity Class at CASCADE, a substance abuse treatment program for pregnant, postpartum, and parenting women and their children. In addition, Donesha Pitts became the Durham branch’s first “member” to be paired with Advocates, Duke students Laurel Sister and me.

 

At the Dove and Phoenix House

After the semester ended, I stayed to complete a summer DukeEngage program with CEF. The summer staff team and I continued the work of the Durham branch. Alex, Maggie, and I paid weekly “finance office hours” visits to the Dove House, Housing for New Hope’s transitional housing unit for women recovering from addictions. The Dove House’s residents welcomed CEF volunteers to their dining table, consistently finding time in their busy schedules to check credit reports, craft budgets, and plan for their financial future.

In July, we met the Phoenix House men at the first Housing for New Hope Opportunity Class, held jointly between the two houses. These classes have been held once every two weeks, and we have just completed the first set of an eight-session curriculum. Along with these classes, several of the Dove and Phoenix House residents have opened up CEF Savings Accounts. Both the Dove and Phoenix Houses have never ceased to be gracious in hosting us, and it has been an absolute pleasure spending Wednesday evenings and Thursday afternoons with them.

 

Getting Established at Duke

At Duke, our efforts are underway in recruiting a solid team of advocates. Volunteers interested in getting involved in CEF have started out by attending Opportunity Classes at the Dove and Phoenix Houses. A few students have now been paired with Members as Advocates, and are beginning to work closely with their members.

This process has been greatly facilitated by a team that has taken on specific roles in organizing volunteers and connecting to community partners. Cara Haselrig, who is currently completing an internship with CEF, has been instrumental in pairing members with advocates. Recent UNC graduate David Horton has also recently taken on a role as co-coordinator and resource development representative.

 

What’s Next?

In the next few months, we will begin hosting Opportunity Classes at the Achievement Academy, a non-profit organization that provides educational resources to young adults. This will be the first youth-oriented financial literacy class conducted by CEF. We are also hoping to host small business classes in the spring, given the significant demand for these classes from folks in Durham. In light of these forthcoming developments, we are planning further outreach on Duke’s campus to recruit volunteers, including a screening of CEF’s documentary and a panel discussion.

The process of initiating the Durham branch over the past year has been greatly rewarding, and could not have been achieved without the strong support of our beloved community partners. As we continue to grow and expand, we are looking forward to building fruitful relationships and continuing CEF’s work in Durham. If you are interested in getting involved, feel free to contact us at janetx@communityempowermentfund.org.

 

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CEF and Self Help: “Love at First Sight” – A Message from a Community Partner

 

Self Help Credit Union was founded in 1980 in Durham NC by a few impassioned individuals who wanted to help individuals, employees, families and businesses obtain fair and responsible financial services. Our website states “Self-Help is a community development lender, credit union, and real estate developer that works with individuals, organizations and communities traditionally underserved by conventional markets.”

Our founder, Martin Eakes, got wind of CEF’s work in the Chapel Hill community and introduced two central CEF leaders, Maggie West and Alexis Seccombe, to Self Help through a summer internship. It has been love at first sight ever since for our two nonprofits. As a 30th birthday present to Martin, staff donated 30+ hours of consulting time to CEF last year. Some of our staff members are proud to serve on CEF’s Board of Directors. Self Help also provides free office space for CEF’sDurham outreach efforts. Personally, I feel CEF is readying our next generation of members and borrowers by providing one-on-one counseling and support for their clients. We are proud to partner with CEF and their dynamic volunteers and applaud their outstanding work and mission.

– Sherry Kinlaw, Senior Project Manager, Self-Help Credit Union

 

 

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CEF Blood Pressure Check!

 

 

 

CEF member Audrey Boyles takes Tommy’s blood pressure as Alex Almeter holds an informative blood pressure guide.

This past Friday, CEF members Audrey Boyles, Alex Almeter, and Matt Givens organized a blood pressure screening event in the office.

The event provided CEF with the opportunity to evaluation client’s blood pressure, educate about the importance of maintaining a normal blood pressure, and enroll attendees in a primary health care service.

We were able to screen 4 clients and discovered most of their blood pressures are normal. All 4 received a basic worksheet that defines blood pressure, details the consequences of hypertension, and answers common questions. As well, we recommended each attendee make an appointment with one of the health care providers below.

Student Health Action Coalition (SHAC) free, accept undocumented immigrants

http://www.med.unc.edu/shac/

301 Lloyd St.
Carrboro, NC 27510
5:30 – 8pm every Wednesday

Phone: 919-843-6841, expect to leave a message

Piedmont Health (Carrboro Community Health Center) sliding scale, accept undocumented immigrants

http://www.piedmonthealth.org/carrboro

301 Lloyd St.
Carrboro, NC 27510
Monday: 8am – 8pm Thursday: 8am – 8pm
Tuesday: 9am – 5pm Friday: 8am – 5pm
Wednesday: 8am – 5pm Saturday: 8am – 1pm

Phone: 919-933-8494

For your first appointment with a sliding scale plan, you need to bring:
1. Proof of income for every household member (paycheck stub, copy of tax form, bank statement)
2. Proof of residence
3. Evidence of health/dental insurance (if any)
4. A picture ID

 

 

 

 

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Lunch and Learn 10/26

The Community Empowerment Fund invites you to
participate in our first:

Lunch and Learn

Wednesday, October 26, 2011
12:00pm – 1:00pm
CEF Office, 133 ½ E. Franklin Street, Suite 104

Join CEF’s student volunteers and members in our Franklin Street office for an hour of food and fellowship.
Together we will discuss local issues of homelessness and poverty, and share stories of hope, resilience, success, and beloved community.

Box lunches provided.

Please RSVP by Tuesday, October 25th to Maggie West at maggiew@communityempowermentfund.org

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Member Story: Gary


Gary, a St. Louis native, has been involved with CEF since participating in the Opportunity Class earlier this year. The road that brought him to where he is now is long, but it began with a decision to take steps to overcome his addiction. “I was down in Florida for a little over a year and I moved back to Chapel Hill,” Gary said. “I was dropped off at the men’s shelter and that’s when I decided that I needed help with my alcoholism. That was fourteen months ago and I haven’t had a drink since.” Overcoming addiction was not easy, but Gary was committed to quitting, and attended Alcoholics Anonymous meetings regularly, often three days a week for six months. “Once I got focused on letting go of the bottle I wanted to pursue better things, get a job to where I could hold a job and I couldn’t do that in the shape that I was in,” he said.

Once Gary found the support he needed through AA, he began exploring new ways to make progress when he found CEF. Gary participated in the twelve-week Opportunity Class and, after completing it, got a job working for the PTA Thrift Store through connections he made in the class. Through the class Gary learned to budget his money, in addition to building lasting relationships. “I became friends with all the CEF people either through Talking Sidewalks or the CEF program,” Gary said. “We just all pulled together, networked. Financially, they are still helping me out, showing me how to manage my money to the point I can become functional.”

Asked what was special about CEF compared to other social service programs, Gary said that difference was the relationship-oriented approach. “They care. They care. They really do. I’ve been around [other] places but they didn’t really take the interest or the time to get to know you like CEF does.” Working with CEF member advocates, Gary has set both immediate and long-term goals for himself. “Right now I’ve got a goal of saving up two thousand dollars to get me a place of my own, so I can have my own keep,” he said. “My long-term goal is to restart a handyman service and maybe hire a couple of people.” Speaking from his own experience with CEF, Gary has this to say to others working through similar problems: “Hang in there. It’ll come to you. Don’t give up on yourself first of all.

CEF will provide the information needed and they have been a great help to me. So just hang in there.” He understands the hesitation some experience before they join CEF. “I didn’t want to come at first,” he said. “I said no, if I can’t get a job it was because of me. I wasn’t the type of person to really go out and ask for help, until I got sober, then [I realized] I was able to lean on someone else. It’s ok to ask for help, what you do with it is on your own.” Gary has made amazing progress since reaching out and joining the CEF family.

Interview and Article by: Tim Longest

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CEF Alumni Association

Once a Member, Always a Member: CEF Alumni Association
The CEF Alumni Association launched this month! The Association consists of members who have graduated from one or more of CEF’s programs and desire to stay involved. Our purpose is to keep building communities and to create a network of ongoing support for all of us as we strive towards our dreams. We are here to help, listen, support, advocate and connect with CEF members. We will plan social gatherings to keep the alumni connections strong, including cook-outs, group hugs, meet-and-greets, presentations, and outings. Together, we will keep each other informed and offer advice and positive reinforcement. The Alumni Association will help our fellow members to succeed. Become a member today! Contact co-chairs Equashia Mumeen and Tommy Owens

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Featured Partner: Love Chapel Hill

Love Chapel Hill

The Community Empowerment Fund appreciates the support of its partner, Love Chapel Hill. Love, a Chapel Hill-based church, became involved with CEF one year ago.

The relationship began when David Kayler and David Horton, members of both CEF and Love, came to Love with an idea. In their work with CEF, the two students had seen a major need for transportation among CEF Members. Time and again, unemployed or underemployed Members were forced to spend large portions of their savings on bus passes or cab fare in order to get to and from job interviews and educational opportunities – opportunities which would lead to further income in the long run, but were turning into financially drains in the short run.

“We’ve seen what a struggle and challenge it can be for people to find transportation around the Triangle for life-changing appointments” said Justin Simmons, executive pastor of Love. “We are glad to work with CEF to find those needs and help fill the gaps.” After forming a partnership with Triangle Transit Authority and doing some in-house fundraising, Love began providing bus passes and other forms of transportation assistance to those in need, and “Grace on Wheels” was born.

Along with Grace on Wheels, Love also aids CEF through its promotion of CEF events and service opportunities to Love members. Love is a natural partner for CEF given the fact that the two organizations share a common passion: building community and serving those experiencing homelessness and poverty.

“We’ve seen the proven success of CEF in helping to get people on their feet and well on their way to sustainability,” said Simmons. “We absolutely want people in our community to know that they are loved. CEF has an ability and proven track record to not only offer extremely helpful services, but to offer a real, authentic community among those who are living in or on the verge of poverty.”

The Love-CEF partnership will only continue to improve in the future. Love and CEF hope to expand Grace on Wheels and Love hopes to garner more member involvement with CEF.

CEF wants to thank Love for their continued support. Here’s to Grace on Wheels, to ending poverty, and to fighting the good fight together!

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CEF: Community Empowerment Fund

Chapel Hill: 919-200-0233 Durham: 919-797-9233

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