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Jesús Gerena, Family Independence Initiative

Jesús Gerena presents on the Family Independence Initiative for Neighborhood Partnership's 2016 RE:Conference

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Jesús Gerena, Family Independence Initiative

  1. 1. Benefits $20,000 $38,040 $100,065$61,720 Household Income (quintiles) Numberofhouseholds • In 4 years 75% move above poverty but 50% fall right back under in 5 years (Urban Institute 2009) •Roughly half of US experiences poverty by age of 65 and half of the people who leave poverty will become poor again within 5 years (2009 Urban Institute Study) People Work Hard: Stuck in cycle of instability Median Household Income Federal Poverty Line
  2. 2. $20,000 $38,040 $100,065$61,720 Household Income (quintiles) BenefitsNumberofhouseholds Examples: Mortgage interest deduction, matched retirement, access to loans/investment, bulk purchasing… Benefits Omit Working Poor Median Household Income Federal Poverty Line - The Gap – Lack of info on Initiative
  3. 3. $20,000 $38,040 $100,065$61,720 Household Income (quintiles) BenefitsNumberofhouseholds Resource Hubs Resources available based on proven initiative Low interest loans, match to investments, scholarships, awards, KIVA … Initiative Score as qualifier Information Can lead to Investment
  4. 4. How Systems See Me Single mom Section 8 housing resident Food stamp consumer Underemployed GED graduate 580 Credit Score How I See Myself Mother of three A students Active member of my community Participant in a $10,000 Lending Circle Entrepreneur paying back a small business loan FII Scholarship recipient 780 Initiative Score
  5. 5. Recruit additional families to form new cohorts After 6 months, eligible to apply for resources Input data monthly in exchange for payment Receive computers from FII Families organize and meet in cohort groups FII Partners Directly with Families
  6. 6. Share data and stories with influencers Share Data and stories with families Build “Resource Hub” informed by family data Audit & analyze family data Facilitate family self- organization Role of FII
  7. 7. FII’s Technology & Resource Hub Families Connect With Each Other & Share Resources Online Families Complete Online Journal Families Access Resources To Fuel Their Initiatives FII Innovates and Researches Community Building Site Initiative Score Income Volatility Analysis Customized Reports Interactive Data Repository Informs Resource Hub 200+ Monthly Structured & Unstructured Data per Household Data Driven Resources FII’s Technology & Resource Hub
  8. 8. Education & Skills • Improved Grades • Improved Attendance • After School Programs • Graduation • Scholarships • Adult Classes • Workshops • Continuing Education Health & Housing • Insurance Coverage • Preventative Care • Checkups • Routine Test • Immunizations • Therapy • Mental Health • Health Improvement • Weight Loss • Join Gym • Blood Pressure • Cholesterol • Bought a Home • Moved (Reasons) • Improved Housing Resourceful & Leading • Attend Trainings • Shares Training • Involved/Lead Civic Activities • Attends Leadership Workshops • Leads FII Activities Networking & Helping • Refers Friend to a Job • Helps Other Start Business • Refers Other to Resource • Helps Others in Crisis • Expands Job Networks • Recruits & Orients New FII Families • Savings Account • Checking Account • Cash On Hand • Personal Loans Others Owe You • Credit Card Debt • Auto Loans • Education Loans • Personal Loans Owed • Real Estate Loan • Alimony • Child Support • Other Debt/Obligations • Credit Score BALANCE SHEET Longitudinal Data Monthly Initiatives, Accomplishments and Feedback • Income from Employment • Formal (W-2, 1099-INT) • Informal (Under the table) • Own Business • Formal • Informal • Type of business • Child Support • Other Income (Not FII) • Supplemental Security Income • Unemployment Income • Lump Sums • Food Stamps • Calworks/ DTA • WIC • Subsidized Portion of Housing • Other ACTIVITIESINCOME
  9. 9. How FII Is Using and Sharing Data • Data for Families • Data for Staff & Partners • Data for Outside Stakeholders
  10. 10. Data for Families: Dynamic Dashboards
  11. 11. Data for Families: Personalized Reports
  12. 12. Data for Families: Feedback Loop
  13. 13. How FII Is Using and Sharing Data • Data for Families • Data for Staff & Partners • Data for Outside Stakeholders
  14. 14. Data For Staff: Suite of Analytics Apps
  15. 15. Data For Staff: Dynamic Dashboard
  16. 16. Data For Staff: Resource Allocation
  17. 17. Priority of Activities for Families
  18. 18. Accessing Resources & Improvements When resources are readily available, families earn more 2,035 2,400 2,500 1,720 2,075 2,025 Month 1 Month 6 Month 12 Avg. Monthly Income by Months in FII Accessed vs. Did Not Access the Resource Hub Accessed Resource Hub Did Not Access Resource Hub Sample of Resources in FII Hub • FII Zero % loans • Match to their savings • Small awards for Family Time • Scholarships based on Initiative • Competitive Fellowships/awards • KivaZip, MAF, Benevolent, Indiegogo, etc.
  19. 19. Mutuality Grows If Encouraged
  20. 20. Not Just FII Resources: Families Are Pooling Capital
  21. 21. How FII Is Using and Sharing Data • Data for Families • Data for Staff & Partners • Data for Outside Stakeholders
  22. 22. FII-Analytics Regression Analysis Geospatial Text Mining Machine Learning Longitudinal Data
  23. 23. Demonstrated that families on SSI have the capacity to save
  24. 24. Analyzed how families rise out of poverty despite income volatility
  25. 25. Geospatial Analysis Walkability score example
  26. 26. UpTogether allows us to build and learn from families’ social graphs
  27. 27. How Systems See Me Single mom Section 8 housing resident Food stamp consumer Underemployed GED graduate 580 Credit Score How I See Myself Mother of three A students Active member of my community Participant in a $10,000 Lending Circle Entrepreneur paying back a small business loan FII Scholarship recipient 780 Initiative Score

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