Archive | In the News

CEF’s TED Talk: Homeless, and Outsaving Half of the United States

Presented at the 2017 TEDxUNC event at Memorial Hall: CEF’s Co-Founders / Co-Directors sharing the transformative story of a group of college students and shelter residents who built a community organization and financial tools that support sustained transitions out of homelessness. The CEF Advocacy Choir sings to close out the talk, with an original song about the joy of finding a home after experiencing homelessness.

photographs by TEDxUNC

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Using Behavioral Economics to Explore the Transition to Housing

Thank you to the over 70 participants from partner agencies that attended the workshop CEF co-hosted with the Common Cents Lab focused on “Using Behavioral Economics to Explore the Transition to Housing.”

Together, we brainstormed about how behavioral economics might help nonprofits think creatively about building better programs and smarter solutions to support individuals moving out of homelessness. The incredible team at the Common Cents Lab shared an introduction to the principles of behavioral economics, and led the group through an interactive workshop to put those principles into action for better program design.

Behavioral economics is “the study of how people really make choices–not in a simplified economic model, but in the textured and rich reality of daily life, and draws on insight from both psychology and economics” (CFED).

CEF is working with the Common Cent Labs this year to apply these learnings to our partnerships with shelters to promote increased engagement with CEF’s matched savings accounts in a way that supports Members in achieving short-term savings goals and builds longer-term saving habits. Through our last joint project with the team, we implemented a new way for Members to track progress towards their savings goals through a punchcard and tested its efficacy through a randomized control trial. Every time Members in the trial group made a deposit, they received a punch, and received gold tokens and new levels of punchcards after each card was filled. An article is soon to be published by the research documenting the promising results of this study… Just for a preview: “Members who received the punchcard to track their deposits completed 30% more of their goal than members who were in the control condition” (Guzman and Tepper, full article to be published late spring 2017).

Indiana received the very first punch on a CEF Savings Card! This piggy- themed punch card developed with Common Cents Lab, tracks each deposit and captures progress towards her goals!

We are excited to continue learning throughout this year with the team at the Common Cents Lab! Since the workshop, partners have shared that they are still really thinking about how behavioral economic analysis such as “tunneling” or “friction costs” can be addressed in their own work. Building on the incredible momentum of bringing 70 of our partners into the room together to explore these concepts, we got feedback from participants on where to go from here in our collaborative learning, and will be exploring other topics in the months to come — such as “Manage Cash Flow after Housing Transitions,” and “Overcome Barriers to Banking.

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DUKE Today: Partnering for Homeownership

Seven Duke employees, including Strahm, bought homes last year with help from the Homebuyers Club. Thirty other employees received Homebuyers Club certificates because they completed at least eight hours of homebuyer education classes. The certificates can qualify the employees for additional financial help from the club’s community partners such as Habitat for Humanity, which builds affordable homes for low-income families; Reinvestment Partners, which provides housing counseling; the Community Empowerment Fund, which offers savings opportunities and financial education; and SunTrust Bank. These partners, along with Duke staff, help employees on the path to improving their credit, saving money, and connecting with lenders and realtors.

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WCHL – Non-profit Showcase : CEF & Maggie West

If you were looking forward to our TED Talk at UNC, and are can’t wait to hear more about CEF—Co-founder and Co-director Maggie West was featured this month on WCHL’s non-profit spotlight! If you’ve ever wondered how and why CEF got started and what keeps all of us motivated to ‘show up’ each and every day click above to listen in!

Show notes

CEF From the Start
01:00 – How did CEF start as a student organization?
01:36 – How micro-loans turned into an opportunity to saving!
02:40 – Why some people can’t or don’t have bank accounts
03:15 – Match Savings Accounts = over 700K Saved!
03:55 – From student org into a Non-Profit!

Relationships: Members and Advocates
04:40 – How is CEF’s work really about relationships?
05:20 – How do Members choose their own goals?
06:23 – Are our volunteer Advocates trained to be experts?
06:50 – How we train 200+ volunteer Advocates?
07:20- What do we train Advocate to be able to do what they do?

Nate’s Story about Saving and Housing
09:00 – Maggie shares a story about Nate, a member working with a member to save and find housing in Chapel Hill
10:00 – Nate saves and finds a $325 studio apartment!
11:00 – What happened next after Nate moved in?
11:11 – Why the landlord didn’t immediately screen Nate out?
12:40 – “We don’t rent to homeless people”
13:40 – Why Safe Savings Account works for Nate.

Students Learning ‘A Real Big Lesson’
14:00 – What do students learn by working with members?
14:40 – What do systemic barriers look like on the ground?
15:10 – What are future doctors are learning by being an Advocate?
16:55 – What else gets students prepared for this work?
17:23 – “I don’t know how to do that but I think we can figure that out together”
17:45 – Advocates are connectors!

Getting involved: Now and the Future!
18:30 – What does Maggie see herself doing in the future?
19:08 – What can a someone do to help CEF’s work?
19:20- How does CEF stay so flexible/adaptable?
19:38 – How can you reach CEF and volunteer?

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Maggie West, Citizen of the Year

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CEF co-founder and Co-director Maggie West was honored last Thursday night with the Citizen of the Year award by the Chapel Hill-Carrboro Chamber of Commerce! We are so proud and thankful to be inspired by her example each and every day!

From chapelboro.com/

Citizen of the Year: Maggie West, Community Empowerment Fund 

Maggie West helped start Community Empowerment Fund (CEF) in 2009 for a more engaged and sustainable way to help the homeless, which is now a life-changing organization that includes a co-working space to generate additional income. She is always positive and always willing to take a risk to try new things. Ms. West routinely utilizes connections with energetic UNC students, and received the 2015 APPLES’ Community Partner Excellence Award for her service as board chair with Farmer Foodshare, an organization that provides fresh, local food to food insecure individuals while building healthy community food systems and create jobs. She empowers UNC students to become the new social justice leaders, both during their time as CEF advocates and once they have graduated from the university. Ms. West is creative in her advocacy, and is known for her volunteerism in a multitude of organizations, including Highlander Research and Education Center, Project Connect, and Point-In-Time Count. For her daily pursuit of social equity and her uplifting leadership, we are proud to honor Maggie West with the 2016 Citizen of the Year Award.

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CEF Ribbon-Cuttings! Join us for Housewarmings!

BIG NEWS! And we hope you will join us to celebrate!

A NEW Expanded and Improved Office in Chapel Hill!

A NEW Expanded and Improved Office in Chapel Hill!

A NEW Durham Office!

A NEW Durham Office!

Chapel Hill Office
Housewarming & Fundraiser

When:     Friday, May 29, 2015    5:00-7:00 PM

Where:   At the new office, 108 W. Rosemary St, Chapel Hill, NC

RSVP:    Click here to RSVP or RSVP on Facebook

Durham Office
Housewarming & Fundraiser

When:    Friday, June 12, 2015    5:00-6:30 PM

Where:   Public Square in front of 331 W. Main Street, Durham

RSVP:     Click here to RSVP or RSVP on Facebook

Introducing the Durham Office!

Our sunny new Durham office is in the historic Snow Building on Main Street!

CEF has been working in Durham since 2011, meeting members directly at the partner shelters & transitional housing programs where they stay. While advocates & members will continue to meet there, we now have a consistent hub for members to remain connected to their CEF advocates & savings accounts after they move out of the shelter.

We are grateful for the warm welcome into our community’s spaces, and we look forward to welcoming you into ours.

Expanding & Improving the Chapel Hill Office! 

Our new Chapel Hill location is not just a new office for CEF. It represents the launch of an exciting community partnership. With our expanded space, we will be co-locating services from partners who provide mental health services, supportive employment programs, recovery groups, housing support, and more – collaborating even more closely to ensure that members are connected to the support they need to make their goals a reality. Embedding the services of partner organizations within CEF’s programs enables our members to access these services in an environment they trust and in a holistic, streamlined manner. 

And at long last, we have a Chapel Hill office that is handicap accessible. We were located at 133 ½ E. Franklin since 2011, in a quirky little spot up a flight of stairs that was often compared to Platform 9 ¾ from the Harry Potter series… in its fractional address, lack of a sign and its entry into a magical world. Now, while we get to keep the CEF magic, we are in a visible, handicap accessible spot!

Be a Part of this Big Moment in CEF History!

Here are several ways you can support CEF in this big move:

  1. Celebrate with us! Join us on May 29th in Chapel Hill and June 12th in Durham for ribbon-cutting celebrations at our new offices (Click the links for details!).
  2. Become a Sustainer by pledging a monthly gift to sustain transitions out of homelessness. Give $10, $25, $50, or any amount every month to make transformative change happen every day.
  3. Make a kick-off contribution by making a one-time gift to support this big move.
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An Ode to the Poverty Center

Poverty Center

By: Maggie West

The UNC Center on Poverty, Work and Opportunity – one of the founding institutional partners of the Community Empowerment Fund (CEF) – is being threatened with closure by the UNC Board of Governors. This Center helped to launch CEF when it was barely even a dream, and beyond their support for CEF, has worked to combat the causes and effects of poverty in our state and to improve the circumstances of working people. This Center is now recommended for closure because of thinly veiled, politically motivated retribution for the vision and leadership of a center that won’t stay quiet in the face of blatant attacks on poor and working people from our current General Assembly.

The Poverty Center has provided invaluable support to CEF since we were founded in 2009, with staff acting as faculty advisors to UNC undergraduate volunteers as we were starting the organization, and since serving on our Board of Directors. Through their ongoing partnership with CEF, the Poverty Center has continued to empower undergraduate students at both UNC and Duke to engage meaningfully in addressing the issues of poverty in our local community. Through CEF student volunteers provide relationship-based support to individuals experiencing or at-risk of experiencing homelessness to assist towards achieving goals of gaining employment, securing housing, and building savings. The Poverty Center has acted as a source of teaching, research, and supportive service all throughout our development. Additionally during the past year, the Poverty Center extended their reach to provide direct legal assistance to CEF members, assisting ex-offenders to reenter the workforce.

However, I do not write today solely in my role with CEF. I write as a graduate of the University of North Carolina at Chapel Hill, Class of 2010, who was profoundly impacted on a personal level by the leadership, light, and unwavering commitment to public service of the Poverty Center. Forgive me, but the threat of closure to this center has found me waxing nostalgic about the many ways this center’s staff, research, and, yes, dare I say it… advocacy, has shaped me irreversibly.

I credit the Poverty Center with introducing me to the work of the North Carolina Fund, which under the leadership of Governor Terry Sanford and George Esser, and with activist-leaders from poor and minority communities all across the state, worked to address the crippling poverty facing NC in the 1970’s. In 2008, the Poverty Center helped facilitate documentary screenings and dialogues with former leaders of the NC Fund in partnership with the student organizationthat I led. The experience of listening to Ann Atwater, longtime community advocate in Durham and leader during the NC Fund, helped to form my understanding of the collective power of a community standing together in unity and across differences, and moreover, the endurance for change present in communities struggling for justice.

I credit the Poverty Center with introducing me to Rev. Dr. William Barber, when the center co-sponsored a keynote address by Rev. Barber in 2007 as a part of our organization’s annual Poverty Action Week. Eight years ago, his oratory shook me to my core and left me believing anew and faithfully in the possibilities and potential for opportunity for all people here in our state. Because of this faith, I’m still here, and again this past Saturday at HKonJ Reverend Barber reminded me why.

I credit the Poverty Center with introducing me to the devastating depth of the racial wealth disparity in North Carolina and the implications for building economic opportunities for all North Carolinians. The Center published critical research in 2010 analyzing and documenting in detail the level and nature of the racial wealth disparity in NC, as well as the causes of and strategies for addressing racial wealth inequality. This research, demonstrating that for every dollar in savings in a white household in NC, an African-American household held only six cents, was nothing short of a call to action for me.

I credit the Poverty Center with introducing me to the wide world of community development finance, stewarding a connection to leaders of Self-Help Credit Union in 2009. This connection completely transformed my understanding of the role of financial institutions and financial service providers in advancing economic opportunity and ownership for all people. As a result of this connection, CEF was able to launch our matched savings program, which has since enabled 298 homeless and near-homeless individuals to save over $300,000 towards personal savings goals.

And all of that was just while I was an undergraduate student – I won’t even get started on how their work has continued to shape me since I graduated.

As I reflect on the countless ways the Poverty Center has “serve[d] as a center for research, scholarship, and creativity” with “lux, libertas – light and liberty” in my own journey at Carolina, I can think of few centers that fit more closely with the mission of the University of North Carolina at Chapel Hill, seeking “to improve our society and to help solve the world’s greatest problems.” And I suppose, that as I reflect further, that is exactly what the current members of the Board of Governors are taking issue with – a mission of education that seeks to bring light and liberty to the state of North Carolina, when the days of darkness and slavery were so much more profitable.

So when Jim Holmes from the Working Group of the Board of Governors says, “I struggle to see how the poverty center fits with the academic mission of the UNC law school to train the next generation of lawyers,” and I juxtapose my own experience as a student so deeply affected by the Poverty Center’s teachings, research, and service to the people of our state, I know that there is no mistaking the true motivation behind the board’s proposed action.

And so, it is with a heart full of gratitude that I say to the staff of the Poverty Center: You changed my life. And because of that, one of the worst fears of these members of the Board of Governors has come true: I’m properly educated, and I will never stop fighting.

 

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CEF partnership with Duke University Office of Durham & Regional Affairs Featured in Duke Today!

CEF Durham Program Coordinator meets with Gary, our Opportunity Circles Leader, to plan class sessions

CEF Durham Program Coordinator meets with Gary, our Opportunity Circles Leader, to plan class sessions

Exciting partnership news! CEF is honored to announce a greater partnership with the Duke University Office of Durham and Regional Affairs to expand our programs and services in Durham.

See Duke Today and Durham Magazine article highlighting the partnership!

 

 

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CEF Leader Mike Wood Receives Chamber Award!

 

 

Great news! CEF’s very own Michael Wood is being honored by the Chapel Hill-Carrboro Chamber of Commerce during their 2013 Salute to Community Heroes!

Mike received the award for Volunteer of the Year from the Chamber. We are so proud and deeply thankful for Mike’s leadership within CEF and our community. He is such a gift and has had an amazing impact on many CEF members.

Join us at the celebration Thursday, December 12th from 6pm-8pm at the University Mall main stage.

More information here.

 

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CEF: Community Empowerment Fund

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

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