IS COMMUNITY INVESTING?
Although more and more people are investing their money into the
markets than ever, most investors still do not feel any connection
to the companies that their funding is helping to grow. Fueled by
the desire to see their investment create a positive change in the
world around them and not just increase the size of their portfolio,
many investors are turning to Community Investing as way to reconnect
their money with the place and people they value the most.
Community Investing is perhaps the least well-known sector of Socially
Responsible Investing, but it is the one that has the most direct
impact on disadvantaged communities. Instead of an investor’s capital
being channeled-based investment is funding local non-profits to
maintain the critical facilities that healthy communities depend
on, and financing loans that enable people to work their way out
of poverty and into jobs and homes.
What does Community Investment accomplish?
are three primary sectors of lending that community investing supports:
Micro enterprise, Small Business and Non-profits Facilities.
It focuses on assisting low-income people in starting their own
businesses by providing small loans, loans can be
as small as $50! Some programs lend directly to individuals,
while others use a peer-lending model that binds individuals together
in a supportive group of borrowers whose access to loan capital
is dependent upon the success of all its members. Many
programs also offer technical assistance. In some very poor
areas of the world, an investment of $1,000 could provide loans
to help a dozen families, an their children, transform their lives.
This type of lending is more traditionally structured and supported
than micro loans. This category of lending assists low-income people
in disadvantaged communities to start or increase the scope of their
own businesses by providing the loans generally below $ 25,000.
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Community development lending supports non-profits that are working
directly with disadvantaged populations and communities to develop
enterprises that provide core social resources, such as health services
and daycare centers. Other activities include banking services in
targeted communities a critical funding to cooperative and environmental