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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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Voices for Change: Donna Carrington Highlights the Impact of Quality-of-Life Laws on Homelessness

CEF Executive Director Donna Carrington commented on the petition regarding the Enforcement of Quality-of-Life Laws in the Community during the Town of Chapel Hill Town Council meeting on Wednesday, September 11, 2024. In reflection, she shared, “It was crucial for me to speak because I understand the implications such petitions have on our community. Our unhoused individuals are often arrested for ‘quality of life violations,’ and it feels like our community is a place wanting to get rid of people instead of being solution-minded.”

Donna expressed concern over the increasing criminalization of homelessness. “I think it’s essential to address this issue openly,” she noted, acknowledging that her discomfort with public speaking only underscores the importance of the topic. “When I speak, I hope people understand the significance of what we’re facing. I knew that if I spoke, people would recognize its importance because I don’t like public speaking, and for me to do it, it has to be an important issue.”

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CEF Durham Advocate Application: Now Open!

CEF Durham Advocate Application

The Community Empowerment Fund (CEF) is an organization with offices in Chapel Hill and Durham that works to combat the racial wealth gap in these areas. With various programs, including the Safe Savings program (offers Members* the chance to save money in an account at CEF with the opportunity to earn a 15% match) and the Laptop Savings program (allows Members to purchase an affordable desktop or laptop from the Kramden Institute), along with online financial coaching sessions and resources related to housing, CEF strives to equip Members of our community with the tools they may need to achieve financial independence. At the heart of CEF’s work is a housing-first approach*, a commitment to community building, and supporting, not helping, those who seek out our services.

As an Advocate*, you will be working with Members to accomplish their goals in hour-long meetings on a weekly or bi-weekly basis. Meetings can range from discussing housing options locally and applying to jobs, to creating flyers for Members and their business and helping them find childcare for their kids. Advocates are expected to volunteer for 2 hours a week (meaning they will be scheduled for 2 meetings per week) and attend community calls and trainings meant to advance their understanding of issues pertaining to racial equity and the specific needs of Members.

Interested? Fill out our application here: https://forms.gle/euaj6hked59GKUwr9. As always, if you have any questions/concerns, please email the Advocate Program Coordinator at the Durham office, Shuhud Mustafa, at shuhudm@communityempowermentfund.org.

*Member – an individual who becomes a part of CEF through a one-time orientation.
*Advocate – an individual who volunteers at CEF and meets with Members alongside another Advocate.
*Housing-first – an approach that prioritizes finding permanent housing for people experiencing or on the verge of experiencing homelessness.

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CEF First-Time Homebuyer Program Now Open

CEF First-Time Home-buyer Program is Now Open

In line with our mission to end the #racialwealthgap, we created our First-Time Homebuyers Program (FHP) to support CEF Members in Orange and Durham counties as they build wealth and stability through home-ownership.

We believe our Members making under 50% AMI should have a fair shot at building generational wealth. We also want to set our Members up for success. Because of external income and stability requirements by mortgage lenders and affordable homeownership organizations, within a process that has been shaped and gatekept by racialized capitalism, not every CEF Member who applies to our program will be accepted.

This has been a hard decision for CEF to make. We urgently implore local, state, and federal bodies to make radical strides toward removing any and all barriers to deeply affordable home-ownership for very low and fixed-income community members.

Until then, CEF aims to empower eligible Members with knowledge and tools they need to buy their first home.

Our Program Offerings Include

  • Financial coaching modules around homeownership
  • Connection to @HUDgov certified homebuyer education classes with local community partners: @empowementincnc , Reinvestment Partners and @communityhometrust
  • Support around hitting homebuyer savings goals
  • Financial assistance with downpayment and closing costs

Thanks to @chapelhillgov and Metlife Insurance, Upon completion of our FHP, CEF Members are eligible for 2:1 savings match in Chapel Hill, and a 3:1 savings match in Durham County, up to $2,000. So, Members buying a home in the Town of Chapel Hill can have up to $6,000 to put toward down-payment and closing costs, and Members buying in Durham can have up to $8,000.

We are grateful to our funders for working to alleviate one of the biggest barriers to homeownership: the upfront costs associated with buying a home.


Want more information?
Check out our screening and interest form, linked at: tinyurl.com/FHP2024

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Giving Essentials, Changing Lives

Join us in bringing hope and dignity to those in need


Join our donation drive to provide crucial essentials to individuals facing housing insecurity in our community. Your contribution can make a lasting impact by offering comfort and support to those who need it most. Together, we can make a difference. Donate today and help change lives for the better.

What You Can Donate:

  • Socks
  • Deodorant
  • Toothpaste
  • Toothbrushes
  • Travel Shampoo/ Conditioner
  • Sanitary Supplies
  • Menstrual Products (pads & tampons)
  • Adult Diapers (men & women)
  • Baby Wipes
  • First Aid Kits
  • Bottled Water
  • Suncreen

Drop Off Point: CEF CH Office 208 N Columbia St Suite 100, Chapel Hill, NC 27514

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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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House Us Now!

House Us Now! March for Affordable Housing at or below 30% AMI Rally in Chapel Hill Saturday, August 28 from 1pm to 5pm Meet at Peace & Justice Plaza, 179 E Franklin St. March to the Jackson Center, 512 W Rosemary St. For transportation info call CEF at 919-200-0233

Join us Saturday, August 28, to march for affordable housing for our community members who are at or below 30% AMI. There will be opportunities for folks with lived experience to speak out at the Peace & Justice Plaza. LOVE Chapel Hill will be providing transportation to the rally. Call the CEF Chapel Hill office at 919-200-0233 for more info on transportation. Live music at the Jackson Center will be provided by Chapel Hill’s Finest as well as food from Gametime Hot Dogs!

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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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CEF: Community Empowerment Fund

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

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