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Lending

1. Commercial Lending During the Crisis: Credit Unions Vs. Banks

   • David M. Smith, PhD, Associate Professor of Economics and Associate Dean of Academic Affairs Graziadio School of Business and Management, Pepperdine University
   • May 7, 2012 No Comments
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   At a time when the economy needs kindling from any corner, credit unions’ stable commercial lending history shows they may be a helpful source.

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   categories » Lending, Strategy

2. “We Don’t Do Banks”: Financial Lives of Families on Public Assistance

   • Rourke O’Brien, Research Fellow, Asset Building Program, New America Foundation
   • Feb 16, 2012 2 Comments
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   This brief highlights the role policymakers can take in easing the financial lives of financially tenuous citizens, but credit unions with members or potential members in the same straits can take a more immediate role by making sure that, for all its popularity, cash is only one of several good options for low-income households.

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   categories » Economic Issues - Credit Unions, Lending, Limited Income Households, Marketing, Consumer Behavior and Market Research, Young Adults and Families

3. Houston, We Have a Solution

   • Matt Davis
   • Nov 21, 2011 No Comments
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   Only a few people ever achieve liftoff of the astronautical kind, and one of them spoke last week to the group that is turning the Filene Research Institute i³ innovation LIFT into reality.

   LIFT is being tested as a way to improve repayment behavior and financial capacity. Guest speaker and astronaut Janet Kavandi, Director of Flight Crew Operations at the Johnson Space Center, spoke to Filene and five partner credit unions during the launch of this idea that provides incentives for timely loan payments. The University of Wisconsin-Madison’s Center for Financial Security will study automobile loans to 1,200 LMI consumers with subprime credit scores, with the results to be published in 2013.

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   categories » Collaboration, Innovation, Lending, Pricing, Technology