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2023 Annual Report: We Are Empowered

2023 was a year of change. Our country was trying to move on from, and even forget, COVID, while many in our community were and are still dealing with its impacts. Our members were their creative, resourceful, and whole selves while navigating an ever-changing world.

We, as an organization, tried to help with that navigation by using American Rescue Plan funds, granted to us by the City of Durham and the Oak Foundation, to help Members clear some of the housing debt that they acquired due to COVID.

This money helped our Members stay in their homes or clear debt to move somewhere more affordable and also highlighted the need for longer-term stability. We also hired an advocacy manager to design a plan of where our advocacy should and could go, including the start of tenant unions.

This will put power back in the hands of the people most affected by the issues of housing and financial instability. We also worked towards closing the racial wealth gap through our First Time Homebuyers program, in which our Members’ savings were matched by Metlife for Durham and Town of Chapel Hill for Chapel Hill and put towards a first home.

We believe in a pathway from being unhoused to homeownership and want to support that through providing information, gathering documents, and providing funds for down payments. We are looking forward to supporting our CEF community in 2024.

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CEF Safe Savings Accounts: New 20% Savings Match

The Community Empowerment Fund (CEF) is excited to announce that, as part of our organization’s 5-year strategic plan, we now offer 20% matches on savings goals for Members enrolled in our Safe Savings Account Program! CEF’s Safe Savings Account Program helps Members save for personal goals, such as school fees, security deposits, or emergencies.

Poor and working-class individuals who lack access to traditional banks often face exploitation by predatory lenders and unfair banking practices, like payday/pawn shop loans, check cashing services and high-interest credit cards. These alternative banking institutions frequently trap vulnerable community members in a cycle of debt and poverty.

When Members engage with CEF’s Safe Saving Program, they open Individual Development Accounts (IDA), which require no minimum balance, have no fees, and do not impact debt or credit history. No ID or proof of citizenship is necessary to open an account; however, a state-issued ID is required to cash checks. CEF can also write checks directly to vendors if needed.

To receive their 20% match, Members participate in eight 2:1 financial coaching sessions with CEF Advocates. We tailor these coaching classes to Members needs, aiming to boost their confidence in managing finances and ultimately empowering them to achieve financial freedom. Coupling savings goals and financial education with the IDA has proven effective in increasing short-term savings and long-term economic stability for working-class people across the country since the 1990s.

Don’t miss out on this chance to transform your financial future. Sign up today for CEF’s Safe Savings Account Program and start on the path to financial freedom with the support you deserve!

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2022-2025 Strategic Plan

CEF Strategic Framework. Big Orange Circle with the words Building Joyful Community underneath. Inside the circle is a yellow triangle with the words Strong & Adaptable Organization underneath and three intertwining circles - two are the same size and one, on top, is slightly larger. The two that are the same size are navy and teal. The navy circles has the words Growing Through Partnerships next to it and the teal circles has the words Impactful Organizing & Advocacy. The larger circle is bright blue and says Responsive Member Services inside.

In partnership with consultants Jaclyn Gilstrap and Hope Tyson from A Visual Approach, CEF’s strategic plan is presented using an adaptation of an “Objectives and Key Results (OKR) Framework.” 

At the highest level of the strategic plan, the Big Goal and Key Contribution articulates CEF’s vision of community and its mission. These components are the guiding light of the strategic plan and connect the various areas of CEF’s work to the organization’s mission and its greater purpose in the community. In addition to the Big Goal (CEF’s Vision Statement), the survey data showed that Staff, Members, Volunteers, Board, and Community Leaders across the board saw an essential part of CEF’s efforts to be centered around Building Joyful Community. It was mentioned so often that it has risen to the level of the Big Goal. It is a complement to and expansion of the Big Goal, a doubling down and a re-commitment to this essential component of the organization’s character and culture.

  • Big Goal: Ending the Racial Wealth Gap, Empowering Community
  • Key Contribution (CEF’s Mission): Cultivate opportunities, assets, and communities that support the alleviation of homelessness and poverty

In order to achieve the Key Contribution, CEF believes that it must work towards all of the Objectives outlined in the strategic plan. The Objectives are significant and concrete, and there is a word attached to each that explains not only what the goal is but how it should be achieved (responsive, strong, adaptable, impactful, growth). As a whole, the Objectives make up the key areas of CEF’s work. The relationship between them is illustrated by the visual framework (FIG 1).

As we move forward in the direction of 2025, our organization is sure to experience many shifts and changes. This document is meant to help us navigate those changes, assisting us during times when decision-making feels hard and priorities are overwhelming. We thank each and every voice that contributed to this collective vision for CEF.

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2021 Annual Report: Hope Abounds

Hope Abounds: CEF Annual Report 2021

2021 was another difficult year. With the ups and downs of feeling like life was getting closer to pre-pandemic times and then going back into lockdowns and separation, CEF offered stability and companionship to Members. We stayed committed to remaining open, enforcing a vaccination or testing mandate for all staff and volunteers and continuing with COVID safety protocols to ensure that Members, staff, and Advocates could continue to meet safely. 

In this report you will learn more about CEF’s activities throughout 2021 — including information about our support of the Emergency Rental Assistance Program, the creation of the House Us Now coalition, and the joy experienced through the Share the Love: Art Show. In addition, you will hear stories from Members and Advocates–uplifting the hope they experienced as they worked alongside CEF to ensure that everyone in our community has access to safe, affordable housing and the opportunity for financial freedom.

As you read through this report I hope you will feel that hope too, that you can see the potential hiding just below the surface. Thank you for being a part of this incredible community and for continuing to offer support as we learn to adapt to a new reality. We are so grateful for each and every contribution. Thank you for supporting this work!

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2020 Annual Report: We are a Resilient Community

CEF Annual Report We are a resilient community 2020

As CEF has grown and blossomed over the years, we have been reminded, time and again, of the importance of being nimble and adaptive as we grow. As you will see in this report, 2020 was no different. In the enclosed stories you will learn how CEF responded to COVID-19 through articles and reflections from CEF’s staff. The report also shares more information about our quantitative impact and our year-end financials. This report is dedicated to the CEF Members who moved on in 2020, we hope you will hold them in your hearts and minds as you read.

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2019 Annual Report: We Grow Together

Cover for 2019 Annual report: collage representing community with the words hope, community, courage, and togetherness around the outside. Heart with houses, green space, and a gazebo in the middle

As CEF has grown and blossomed over the years, we have been reminded, time and again, of the importance of being nimble and adaptive as we grow. As you will see in this report, 2019 was no different. In the enclosed stories you will learn more about CEF’s deepening advocacy work; read about the programs we’ve built and strengthened; hear directly from Members, Advocates, and Staff about their connection to CEF; and see our quantitative impact.

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Annual Report 2018 : “it takes a collective”

“We are overwhelmingly grateful for the opportunity to grow with the over 1,000 Members and 250 Advocates who show up every day to care for each other. It encourages us to learn from and lean on one another as we move forward together. Thank you for believing in this community of boundless support as we grow towards the abundant possibilities we have before us.”

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Meet Regina

Regina and her four kids’ lives changed rapidly with the onset of company layoffs, a serious illness, divorce, and loss of their home. Previously, she had built a stable career in military and corporate life. “Don’t ever think that you can’t ever be sitting in the bottom,” she shares.

Regina first met JV, her CEF Advocate, while she was saying at Families Moving Forward, an emergency shelter for families in Durham. Each meeting, she worked on new goals, from building savings and credit to pursuing housing stability and professional growth. “While I connected with CEF, I was also able to take time not only letting my body heal, but letting my family heal. And through that, I gained a career that I love to death — or love to life!”

Now, 1.5 years after joining CEF, Regina has rebuilt a professional life that is driven by passion. After earning certifications in wellness and recovery, she is now an independent recovery coach. She regularly connects her clients with CEF. I’m a huge advocate! It’s like family … [And] a good connection for whatever you want to grow and be in life.”

Having found stability, Regina is finding ways to weave her success with that of her community’s, by creating job opportunities and leading community change. She founded a successful cleaning business that is dedicated to hiring single parents and people with conviction histories and substance abuse histories. “We’re fighting the same fight,” she shares of the company’s 4 employees.

She also serves on the Board of Recovery Communities of Durham, volunteers as a youth mentor, and advocates for mental health policy and equitable wages. It’s good to be a part of that change.”

This story about Regina was featured in CEF’s 2017 Annual Report!

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Mussasa and Denise

In their home in Chapel Hill, Mussasa and Denise share pictures of family members and loved ones, many of whom are strewn across the globe by war. Their son Joshua looks over his mother’s shoulder at the pictures, saying, “This is sad. Oh my gosh, I miss it.”

Mussasa and Denise are both from Congo, and met in Burundi while both were fleeing war in their home country. It was 1996 and they were in their early twenties. As war continued, they moved to South Africa as refugees, where they were married and lived for 14 years. For a long time, they held out hope that they would be able to return to the Congo.

Across borders and amidst isolating, uprooting experiences of leaving family and home, Denise and Mussasa have restarted their lives again and again in the pursuit of a safe, stable home for their family. Denise has begun and built a number of careers, including law in Congo, business management in Burundi, and adult education in South Africa. Mussasa is an incredibly skilled welder, working in welding in every country they have lived, even teaching welding and skilled trades to unemployed youth in Capetown.

In 2016, after 20 years away from their homes and feeling that there was little chance they would ever be able to move back to the Congo, they made the bold decision to move to Durham, North Carolina.

Denise shares, “When we got here we didn’t know where to start, and transportation was a big problem.” With their busy schedules juggling work, school, and family, relying on public transit was significantly limiting their opportunities.

They heard about CEF from a friend and started saving in CEF’s matched savings accounts for a vehicle while working with Advocates to find better-paying jobs.

Denise reflects on what it means that they trust CEF with their personal savings, sharing that, “Being Congolese, it’s a bit difficult because… In 1994, they changed the currency in Congo and the banks just decided to say, ‘Well, you don’t have any money anymore!’ So all we had worked for, just gone back then.”

Despite these experiences with banks abroad, they trusted CEF because of the testimonies of friends, and because of the “emotional connection.” Denise says, “For example, when we got here, everything was too much, and then you get someone to have your hand and say, ‘we can work on goals that you have. We can address certain concerns that you have. Let’s do this one, then the next one, and the next one.’ There’s an emotional connection.

After saving for several months and working with Advocates to get insurance and licenses, they reached their goal and were preparing to buy a car. Right at that moment, one of CEF’s campus partners surprised the family with a donated vehicle! Professor Jim Kitchen’s entrepreneurship class at Kenan-Flagler raised thousands of dollars through their own micro-enterprises in order to purchase a vehicle for the family.

“And when you get a car, it changes your life,” Denise shares. “Suddenly, [Mussasa] could come back home early, and could plan around getting the children from school on time… That is not just a car. It’s that kind of a connection that you’ve got with a place or a person.”

Meanwhile, both Denise and Mussasa have made incredible progress towards better jobs. Denise is now working as a C.N.A. and studying nursing to build a new career here, while Mussasa is working overnight as a welder at AKG and attending English classes during the day.

Here in the U.S., sadly they have still had to worry for the safety of their family. One of their sons struggled with bullying at his first school, which prompted Denise and Mussasa to work with their Advocates to find a new place to live in a different school district. Their son is much happier in this school, and they are hoping to “settle down” now.

Looking forward, their big goal is to own a home. Denise says, “I believe it’s better to work toward your own house than renting someone else’s house.” Because of their refugee status, “That is something we could not do in South Africa,” which will make this achievement even more monumental for their family.

This story about Mussasa and Denise was featured in CEF’s 2017 Annual Report!

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Meet Tanner: CEF Staff Interview

What will your role be at CEF?

My fellowship at CEF will focus on workforce development and employment in the Chapel Hill Office. A job is a source of income, stability, and security, but it can also be a source of dignity and purpose. We know that an employment search depends on more than a resume — it depends on criminal histories, credit, transportation, and housing — and so my work will touch on these issues as well. I will also lead convenings of service providers, local governments, and employers in the county, working to connect organizations, share data, and create spaces for advocacy.

What strengths and perspectives do you bring to CEF?

I studied Public Policy and Economics at Duke, and hope to combine a racial-equity lens with my training in policy and socioeconomic determinants of life outcomes. I’ve also spent time working on access to HIV/AIDS treatment in South Africa, social policy research at the Brookings Institution, and government/non-profit partnerships in low-country South Carolina. After graduation, I worked at the NC Department of Justice, focusing on predatory loan practices, the opioid epidemic, and sex trafficking, and then spent time at a consulting firm in Washington, DC. I’m new to CEF and know that I have lots to learn; but I am surrounded by members, staff, and volunteers who are brilliant and compassionate teachers, and I hope to draw from their wisdom as I find my grounding in this new work.

What led you to this work at CEF?

What struck me about CEF was not only its effectiveness, but its unique relationship-based approach to service. Relationships make CEF work, and that’s the kind of organization I wanted to join. CEF is also uniquely positioned in anti-poverty work: we really do see everything. There’s no better way to do this work than at the ground level – in the trenches with members every day — there’s also no better way to learn. I’m incredibly fortunate that my role lets me be creative – designing new systems, building community partnerships, and testing new ideas. Our Members bring incredible ability and potential, and I’m lucky to work alongside them to realize their goals.

Where do you find energy for your work at CEF?

I find energy every day in our team – Jon, Sarah, Diiv, Leah, Yvette. I also get a lot of energy from Members. Our wins are shared together as a team, and the victories are deeply energizing. Sometimes those wins are big, like finding a job or a home. Sometimes they’re small, like finishing a resume or securing an expunction. When the caffeine wears off, it’s sharing these moments with the CEF community that keeps me going.

Where do you expect to find challenges in your work?

Barriers to finding employment are real and substantial. At times, I feel frustrated. I can’t always convince an employer to hire someone with a criminal history or find a simple way to make a living for a highly qualified senior. I can’t fix every problem. The work is high stakes, and so it can be emotionally draining. But CEF’s approach offers an answer for this challenge: it is trauma-informed, relationship-based, and supportive of self-care. It seeks to build on strengths, not dwell on challenges. We have fantastic community partners and resilient Members, and with that, there will always be a path forward.

Anything else you’d like us to know?

IF YOU ARE AN EMPLOYER, contact me! (tannerl@communityef.org) Let’s talk about who from CEF would be a good candidate. It takes partners on all sides to do this work, so join us.

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CEF: Community Empowerment Fund

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

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