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Business-First Economic Development Benefits the Inner City: A Partnership of the Eaton Corporation Navy Controls Division and The Northwest Side Community Development Corporation

August 1, 2001

A case study describes how significant engagement with community organizations and public officials helps a major employer in a declining industry remain competitive and a low-income minority neighborhood build a competitive workforce and prosper. The partnership between Eaton Corporation’s Navy … Continued

Creating Value in Inner City Supermarkets The Community Pride Way: A Case Study

August 1, 2001

Center researchers document the compelling business model of the nation’s largest minority grocer. Jimmy Johnson focuses on superior, customer-targeted service, community involvement, and workforce development and retention. Employing a business model based on superior, customer-targeted service, community involvement, and workforce … Continued

The Public Policy Challenges of Payday Lending

March 1, 2001

North Carolina policymakers and regulators should take three actions to protect consumers from payday lenders. The growing network of “fringe banks”—check cashers, payday lenders, and pawnbrokers—can be both a blessing and a curse for people who cannot or choose not … Continued

The Impacts of IDA Programs on Family Savings and Asset-Holdings

February 19, 2001

Researchers assess the financial impact of a national Individual Development Account (IDA) pilot, Downpayment on the American Dream Demonstration, and the net savings and assets of program participants. This paper supplements the growing body of research on the national Individual … Continued

Spatial Analysis of Bank and Check-Cashing Locations in Charlotte, N.C.

December 30, 1999

An analysis finds that check-cashing outlets proliferate in Charlotte, N.C. neighborhoods that have higher percentages of low-income African Americans. This study investigates the relationship between bank and check-casher business locations and the socioeconomic characteristics of residents in the greater Charlotte … Continued

Savings for the Poor: The Hidden Benefits of Electronic Banking

August 1, 1999

The federal government’s shift to deliver public benefit payments via electronic funds transfer holds potential to bring poor Americans into the banking mainstream. At the beginning of 1999, federal payments began to be made via electronic funds transfer (EFT); the … Continued