This paper demonstrates that the greatest reduction in health care costs after placement in supportive housing is seen among chronically homeless adults and seniors who are frequent users of the health care system. Employing data from Mission Creek Apartments, a senior affordable housing project...

Peer-to-peer (P2P) networks directly connect computer users online. Popular P2P platforms include eBay and Craigslist, for example, which have transformed the market for used consumer goods in recent years. Increasingly popular, however, are P2P lending sites that facilitate debt transactions by...

Studies have shown that “experiential learning” can result in significant knowledge gains in a number of subject areas, but how does “learning by doing” fit into the context of financial education? This new working paper explores this topic and analyzes data from the 2008 Jump$tart...

Over the last three years, the financial crisis and ensuing recession have led to tectonic shifts in the availability of credit, especially for small businesses. Data show that the number of loans to small businesses has dropped from 5.2 million loans in 2007 to 1.6 million in 2009. This trend...

Kevin Leichner examines New Markets Tax Credit (NMTC) performance during the Great Recession and provides recommendations for maintaining deal flow to support the NMTC project pipeline and overcome financing gaps. Between 2002 and 2009, the Federal government allocated $26 billion worth of NMTC...

The geography of race and class in the San Francisco Bay Area has shifted dramatically over the last decade, and suburban poverty is on the rise. The need for social services has grown in communities outside of the urban core, outpacing the abilities of anti-poverty organizations to provide...

The geography of race and class in the San Francisco Bay Area has shifted dramatically over the last decade, and suburban poverty is on the rise. The need for social services has grown in communities outside of the urban core, outpacing the abilities of anti-poverty organizations to provide...

California’s San Joaquin Valley is one of the nation’s most impoverished areas. Recent developments such as the foreclosure crisis and the Matosantos decision have heightened the Valley’s needs, and there is also evidence that the Valley is beginning to garner more attention from financial...

The landscape of financial education services in San Francisco is broad, with multiple organizations offering services for diverse populations. However, until recently, there has been little effort to coordinate the many resources and organizations committed to promoting financial education. The...

Cross explores multiple options for expanding personal finance training among youth in California, including statewide legislation or education code changes for financial education, professional development and training for teachers on personal finance concepts, and school district adoption of...