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Chapel Hill, N.C. — Center for Community Capital research assistant Kim Manturuk has received a 2008 Impact Award from the University of North Carolina at Chapel Hill’s Graduate Education Advancement Board.

She is one of 27 graduate students selected as award winners this because their research has had a special and positive effect impact — educational, economic, health, social, cultural or environmental — on the citizens of North Carolina and others.

Manturuk’s research focused on the impact of payday lending de-authorization in North Carolina. The study evaluated whether sufficient options still existed for handling short-term credit needs of consumers in the absence of payday lending and how the consumer generally managed these situations. The conclusions reached by Kim’s study were that the vast majority of state residents have not been affected at all by the end of legal payday lending, and that people have several other ways to handle their credit needs.

At the Center for Community Capital, Manturuk researches the factors moderating the relationship between homeownership and civic engagement; the effects of household financial strain and neighborhood distress; and credit and debt among lower-income families in North Carolina.

The UNC Center for Community Capital is the leading center for research and policy analysis on the transformative power of capital on households and communities in the United States. The Center’s in-depth analyses help policymakers, advocates and the private sector find sustainable ways to expand economic opportunity to more people, more effectively. For more information, visit

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