Frank Altman is President and CEO of Community Reinvestment Fund, USA (CRF), the nation’s leader in access to the capital markets on behalf of public and private nonprofit community development lenders throughout the United States. It operates a secondary market for community development loans, which has provided nearly $925 million to 149 lending partners located in 34 states and Washington, DC Before founding CRF, Mr. Altman served as Assistant Commissioner for Financial Management at the Minnesota Department of Energy and Economic Development, where he administered several loan programs designed to create jobs in energy-related industries, to promote energy conservation in public and private buildings, and to finance manufacturing facilities in small rural communities. Currently, Mr. Altman is an executive committee board member and founding past-president of the New Markets Tax Credit Coalition. He is the vice chair of the College of Visual Arts and serves on the boards of the California Association for Local Economic Development, RAIN Source Capital, Social Investment Forum, and Franklin National Bank. He serves as an advisory committee member for Wall Street Without Walls and is a member of the Center for Community Development Securities of the Federal Reserve Bank of San Francisco and the Financial Innovations Roundtable of the University of Southern New Hampshire. In 2008, Mr. Altman and CRF were selected as a 2008 Social Capitalist Award Winner by Fast Company Magazine and the Monitor Group, and he was recognized by Inc. Magazine in its 2004 Entrepreneur of the Year issue as one of the nation’s leading social entrepreneurs. Mr. Altman received a BA from Brown University, where he graduated Phi Beta Kappa, and an MA in Public Affairs from the Humphrey Institute at the University of Minnesota.

Article: New Markets Tax Credits

Nancy Andrews has been President and CEO of the Low Income Investment Fund (LIIF) since 1998. LIIF is a community development financial institution, dedicated to poverty alleviation. LIIF has access to capital resources totaling more than $500 million, which it invests in community projects serving very low-income households. Over the years, LIIF has provided nearly $700 million in loans and technical assistance to nonprofit organizations in 26 states, leveraging nearly $5 billion in other capital investments. LIIF’s capital and technical assistance activities have supported 54,000 affordable homes for families and children, 47,000 spaces for child care, and 41,000 spaces in school facilities. Nearly three-fourths of LIIF’s financing serves families with very low or extremely low incomes. Ms. Andrews serves on numerous boards and committees of community development and environmental organizations, including the National Housing Partnership Network, the National Low Income Housing Coalition, the Community Reinvestment Fund, and the International Center for Forestry Research, among others. She is a past member of the board of Opportunity Finance Network. Ms. Andrews’s background spans 30 years in the community development field.

Article: Government-Sponsored Enterprises

Laura Arce is Senior Program Manager in Field Development at CFED. Her areas of focus include affordable housing, individual development account and entrepreneurship training, the Self-Employment Tax Initiative, and preparations for the Assets Learning Conference. Ms. Arce is also an adjunct member of CFED’s policy team, where she advances policy objectives for CFED’s Innovations in Manufactured Homes (I’M HOME) initiative. Before joining CFED, Ms. Arce was an associate with the public interest lobbying firm Rapoza and Associates, and before that was a policy advisor for then-Congressman Bob Menendez during his tenure as Vice Chair of the Democratic Caucus. Prior to her government service, Ms. Arce was Director of Community Development for the National Council of La Raza. Ms. Arce holds a BA in interdisciplinary studies from the University of California at Berkeley and an MA in community and regional planning from Rutgers University.

Article: Manufactured Housing

Phillip N. Baldwin is Chairman, President, and CEO of Southern Bancorp, a $550 million development bank holding company that operates three development banks and three nonprofit organizations in Arkansas and Mississippi. Mr. Baldwin currently serves on the board of directors of the Federal Reserve Bank of St. Louis, the United Way of America Board of Trustees (where he is chair of the finance committee and treasurer), Arkansas Capital Corporation, the Arkansas State Chamber of Commerce, Accelerate Arkansas, the Board of Trustees of Ouachita Baptist University, the Arkansas Center for Health Improvement, and Smiley Technologies Inc. With more than 27 years experience in banking, Mr. Baldwin began his career in the banking services group of Ernst and Young. He is a certified public accountant and a member of the American Institute of Certified Public Accountants and the Arkansas Society of Certified Public Accountants.

Article: Rural Revitalization

Janie Barrera is Founding President and Chief Executive Officer of ACCIÓN Texas. ACCIÓN Texas began in 1994 and is now the state’s largest nonprofit microlending organization, providing small loans and management training to microenterprises throughout Texas. Ms. Barrera is responsible for the organization’s financial management, oversight of its annual budget, and the development of methodology and loan delivery procedures. She has received recognition for her accomplishments by being named the Small Business Administration Financial Services Advocate of the Year and the Minority Enterprise Development Consortium’s Corporate Advocate of the Year. She also has served on many national, state, and local boards, including the Federal Reserve Board and the National Consumer Advisory Council. Ms. Barrera began her career in 1977 as Director of Telecommunications for the Diocese of Corpus Christi, where she helped form the area’s first nonprofit radio stations, KLUX and KHOY, as well as two television production studios. After completing her MBA from Incarnate Word College, the Corpus Christi native remained in San Antonio. In 1989, Ms. Barrera was hired as Marketing Director for the U.S. Air Force Morale, Welfare, and Recreation Division headquartered in San Antonio.

Article: Microfinance

David Beck is Director of Policy and Media at Self-Help. He has been at Self-Help since 1998 and coordinates federal and state policy on a range of community development issues, in addition to helping direct media relations. Mr. Beck serves on the board of directors for Opportunity Finance Network, the New Markets Tax Credit Coalition, the CDFI Coalition, and the North Carolina Center for Voter Education. He also is the current staff-elected member at Self-Help Credit Union. Before joining Self-Help, Mr. Beck spent four years as a director at a legislative monitoring firm in Raleigh, North Carolina. Prior to that, he worked on Capitol Hill in Washington, DC for four years. He is a graduate of the University of North Carolina at Chapel Hill.

Article: Homes in America Overview

John Berdes is President and CEO of ShoreBank Enterprise Cascadia (SBEC). SBEC has pioneered triple-bottom-line strategies in the community development finance field since 1995. The nonprofit organization is an affiliate of Chicago-based ShoreBank Corporation, the nation’s first and leading CDFI. Before joining the SBEC team in 1995, Mr. Berdes held two positions with the Local Initiatives Support Corporation, first as Program Director for Puget Sound Operations and subsequently as Senior Program Director for Field Strategies. Before that, Mr. Berdes was founding Executive Director of Capitol Hill Housing, a community development corporation serving a central city neighborhood of Seattle, Washington. Mr. Berdes is a graduate of Oberlin College and resides in Astoria, Oregon.

Article: Rural Environmental Policy

Daniel Betancourt is President and CEO of Community First Fund, a Pennsylvania regional community development financial institution. Under Mr. Betancourt’s leadership, Community First has become a successful opportunity finance organization. During the last fiscal year, Community First made 95 loans totaling more than $5.2 million and brought the total capital under management to more than $15 million. Mr. Betancourt also serves as the chair of the board of directors of the Association for Enterprise Opportunity, the national leadership association for microenterprise. Mr. Betancourt is a member of the Pennsylvania Microenterprise Coalition and cochairs its Strategic Planning Committee. He has more than 17 years of experience in microenterprise and small business development.

Article: Small Cities, Micropolitan Communities & Suburban Clusters

Michael Bodaken is President of the National Housing Trust (Trust) and the National Housing Trust/ Enterprise Preservation Corporation (NHT/Enterprise). The Trust engages in preservation policy, affordable housing lending, and development. Mr. Bodaken is largely responsible for growing the organization into a leader in the field of affordable housing preservation. His efforts for the Trust have directly led to the preservation and improvement of more than 20,000 apartments across the nation, involving more than $1 billion in financing. NHT/Enterprise is an organization founded by the Trust that owns and operates an additional 3,000 affordable apartments in eight states and the District of Columbia.

Article: U.S. Department of Housing and Urban Development

Dana Bourland is Senior Director of Green Communities for Enterprise Community Partners. Ms. Bourland directs all aspects of Green Communities. She works with Enterprise’s financial affiliates to package and integrate the delivery of various forms of project financing to Green Communities developments, including equity investments and predevelopment loans. Ms. Bourland is also coleading an internal effort across all of Enterprise’s affiliates to expand the organization’s environmental commitment through the creation of new products and services and more-sustainable operating procedures. Previously she worked in the Maryland Department of Planning, where she implemented and collaborated with other state agencies and national organizations on Smart Growth-related policies including a Smart Growth Fund, Port Land Use, Smart Codes, Transit-Oriented Development, and the management of a statewide infrastructure needs analysis. Before joining the Maryland Department of Planning, Ms. Bourland worked on poverty reduction strategies in communities across an eight-state region with the Northwest Area Foundation. A returned Peace Corps volunteer, Ms. Bourland holds a master’s degree in planning from the Hubert H. Humphrey Institute of Public Affairs, University of Minnesota. She is a certified planner through the American Institute of Certified Planners, a member of the First Leadership Forum organized by the National Association of Affordable Housing Lenders, and is a Leadership in Energy and Environmental Design (LEED) Accredited Professional. Ms. Bourland serves on the board of directors of Affordable Comfort and is pursuing an AMDP real estate degree from the Graduate School of Design at Harvard University.

Article: Bringin Home the Benefits of Green Building

Paul Bradley is Vice President for the New Hampshire Community Loan Fund (Loan Fund). Mr. Bradley managed and grew the Loan Fund’s Manufactured Housing Park Program by expanding its 23-year old cooperative development program and initiating single-family lending and new production. During his tenure, loan receivables were increased from $3 million to $30 million, and the number of resident-owned communities doubled from 40 to 82, increasing market share to 19 percent. His accomplishments include an unprecedented $10 million initiative by Fannie Mae to finance homes in resident-owned communities. Mr. Bradley’s team also developed the first manufactured-home community consisting entirely of EnergyStar-rated manufactured homes. Beginning in 2004, he initiated a national training program for organizations interested in developing resident ownership programs. That work, and the barriers practitioners and homeowners faced, led to the formation of ROC USA™ a social enterprise that aims to make resident-ownership viable nationwide. Mr. Bradley will serve as its Founder and President. Mr. Bradley has been central to a strong partnership between the Ford Foundation, the Loan Fund, and CFED, and the comprehensive policy and market-based strategies aimed at helping homeowners become co-owners and reversing the depreciating and risky influences on this housing stock. Mr. Bradley is a frequent speaker and author on market-based strategies aimed at improving manufactured-housing markets. He holds degrees in business and economics from the University of New Hampshire.

Article: Manufactured Housing

Douglas J. Bystry is President and CEO of the Clearinghouse CDFI, which he created in 1995 in an effort to bring capital to low-income and distressed areas of California. Clearinghouse CDFI is one of the fastest-growing CDFIs in the country and has combined total assets exceeding $230 million. Clearinghouse CDFI has originated 663 loans for first-time homebuyers totaling more than $185 million. Mr. Bystry has been providing financial services to low-income communities for the past 20 years. He previously was Executive Director of the Santa Ana Neighborhood Housing Services Inc., where he provided rehabilitation loans and revitalization programs in the Artesia-Pilar area of Santa Ana, California. Mr. Bystry served on the National Advisory Board for the Neighborhood Reinvestment Corporation from 1988 to 1990 and was a city councilman in La Habra, California from 1986 to 1990. He served on the Orange County Housing Commission and was chairman of the Orange County Housing Authority for two terms in 1988 and 1990. During that tenure, the county housing authority issued more than $160 million in federal housing vouchers and certificates to low-income residents. Mr. Bystry serves on the board of directors of Opportunity Finance Network, and he is considered an expert in affordable housing, community development, and New Markets Tax Credit lending. Clearinghouse CDFI was recently awarded a CDFI excellence award in the category of financial strength and performance by Opportunity Finance Network.

Article: Homeownership

Rosalie Sheehy Cates has been with Montana Community Development Corporation (MCDC) for 15 years, nine of them as Executive Director. During her tenure, MCDC has grown to an $8 million loan fund that has lent more than $12 million to small businesses in western Montana. Ms. Cates is a board member of the Missoula Redevelopment Agency and the Missoula International School, a former board member of Opportunity Finance Network, and a 2003 Peter F. Drucker Foundation Leadership Fellow.

Article: The Business of Going Green

Elyse D. Cherry is CEO of Boston Community Capital (BCC) and President of Boston Community Venture Fund, a BCC affiliate that invests in businesses with the potential to achieve social and financial returns. Under her leadership, BCC has invested more than $350 million in low-income communities. Ms. Cherry is a former partner at Hale and Dorr, where her legal practice focused on commercial real estate, affordable housing, and preservation of open space. She started her career as a VISTA volunteer at the East Tennessee Community Design Center. Ms. Cherry is a leader in the community development finance industry. She is a member of the Kellogg Foundation’s Mission Driven Investment Committee and formerly served as the vice chair of the board of directors of Opportunity Finance Network. Ms. Cherry chairs the board of the Massachusetts Cultural Council and is a past chair of the board of directors of MassEquality. She is a graduate of Wellesley College and the Northeastern University School of Law.

Article: Small Business & The Cash Cycle

Tristram S. Coffin is CEO of Alternatives Federal Credit Union, a community development credit union in Ithaca, New York. Previously, Mr. Coffin served for more than five years as CEO of a service organization that successfully implemented a lower-cost payday loan alternative in 13 credit unions throughout the Pacific Northwest. He is on the board of directors of a consumer credit and financial counseling service, and he helped to start a new CDFI that provides financial education and special accounts to underserved consumers in eastern Washington.

Penelope Douglas is President and cofounder of Pacific Community Ventures (PCV), a nine-year old hybrid organization that stimulates economic development in California’s low-income communities. PCV’s mission is to provide resources and capital to businesses that have the potential to bring significant economic gains to low-income communities throughout California. The organization manages three investment funds and provides innovative resources to small business and their low-income workers. Currently, Ms. Douglas serves on the boards of New Mexico Community Capital, New Vine Logistics, and Evergreen Lodge. Before founding PCV, Ms. Douglas was Senior Vice President at Odwalla Inc., Chief Administrative Officer at Morrison and Foerster, and chair of the Morrison and Foerster Foundation. Ms. Douglas has been involved with community-based nonprofit organizations throughout her career, serving as chair of Larkin Street Youth Center, chair of the Children’s Television Education and Resource Center, chair of San Francisco Friends of the Urban Forest, and founding chair of Juma Ventures. Ms. Douglas is a California native, and her education includes a BA from Smith College.

Article: Small Business Equity Investment Through Venture Capital

Juliana Eades serves as President of the New Hampshire Community Loan Fund (Loan Fund) and was named its founding Executive Director in January 1984. The Loan Fund, a statewide CDFI with lending assets of nearly $50 million, has been honored with Opportunity Finance Network’s Award for Excellence in Financial Performance, the Federal Home Loan Bank’s Community Partnership Award, the New Hampshire Corporate Fund’s Dunfey Award for Excellence in Management, the National Environmental Education and Training Foundation’s National Environmental Education Achievement Award, and the 2005 Wachovia CDFI Excellence Award for Innovation. Ms. Eades received a BA in history from Swarthmore College and an MBA from the Whittemore School of Business and Economics at the University of New Hampshire.

Article: Individual Development Accounts

Martin Eakes is CEO of Self-Help and the Center for Responsible Lending. Self-Help is a community development lender that has provided $5 billion in financing to 50,000 homebuyers, small businesses, and nonprofits. Self-Help reaches people who are underserved by conventional lenders—particularly minorities, women, rural residents, and low-wealth families. Mr. Eakes holds a law degree from Yale, a master’s degree from the Woodrow Wilson School of Public Affairs at Princeton, and a bachelor’s degree in philosophy and physics from Davidson College. Since 2000, Mr. Eakes has taken a leadership role in fighting abusive financial practices targeted at poor families, including predatory home loans, payday lending, and abusive checking and credit card fees. Mr. Eakes and Self-Help have received awards from the MacArthur Foundation, the Credit Union National Association, the Annie E. Casey Foundation, the National Association of Realtors, and the Raleigh News and Observer, among others.

Article: Homes in America Overview

Mark Fick is Senior Loan/Program Officer with CCLF. He has worked at CCLF since 2005 and is focused on providing technical assistance and lending to affordable housing, community development, cooperatives, and arts organizations. Mr. Fick is a board member of the Northside Community Federal Credit Union and cofounder of the Stone Soup Cooperative in Chicago. He also serves on the board of NAS CO Development Services, a development assistance organization serving student and community housing cooperatives across North America. Previously, Mr. Fick was Associate Director of the Chicago Mutual Housing Network and Training and Technical Assistance Coordinator with Housing Action Illinois.

Article: Shared-Equity Homeownership

Robert (Bob) Friedman, founder of CFED, continues to help lead the national nonprofit organization in its efforts to expand economic opportunity. Mr. Friedman now serves on the CFED board as chair and general counsel. His current focus is on the SEED Policy, Practice, and Research Initiative, a multifaceted effort to create an inclusive system of children’s development accounts in the United States. He continues to contribute to numerous efforts to develop the IDA and asset-building movements spawned by CFED’s American Dream Policy Demonstration, as well as advising on new strategies to bring excluded communities into the economic mainstream as entrepreneurs, savers, investors, and skilled employees. Over the decades of his involvement in economic development innovation, Mr. Freidman has contributed to the growth of the U.S. microenterprise field, flexible business networks, state and federal entrepreneurial policies, and innovative benchmarking tools like the “Development Report Card.” Based in San Francisco, Mr. Freidman also serves on the board of CFED’s CDFI subsidiary, the National Fund for Enterprise Development, as well as the boards of EARN , the Rosenberg Foundation, the Friedman Family Foundation, and the Koshland Committee of the San Francisco Foundation. He is author of The Safety Net as Ladder: Transfer Payments and Economic Development, and a contributor to numerous publications. He is a graduate of Harvard College and Yale Law School.

Article: Asset Accumulation & Protection Overview

Amy Gillman is Senior Program Director of the Community Investment Collaborative for Kids (CICK), the national child care facilities arm of the Local Initiatives Support Corporation (LISC). She created CICK 12 years ago to improve the supply and quality of early care and education in low-income neighborhoods through investments in facilities. Since then, CICK has consulted to several state governments on facilities-financing programs, worked to establish two LISC-run statewide child care facilities funds, and spurred more than $200 million in new investments in quality facilities for 15,000 children across the country. Ms. Gillman is a frequent presenter on child care facilities financing and development at national and regional conferences, and she has coauthored several publications on child care facilities design, development, and financing. In addition, she has played a leadership role in the National Children’s Facilities Network as the chair of its executive and public policy committees. Before joining LISC, she specialized in social welfare policy at the Community Service Society of New York and managed international community development programs at the Pan American Development Foundation and World Learning in Washington, DC. Ms. Gillman has an MA from the Yale School of Management and did her undergraduate work at Wesleyan University.

Article: Facilities for Early Care & Education Programs

Kathryn Gwatkin Goulding is Senior Program Manager of CFED’s Innovations in Manufactured Homes (I’M HOME) initiative, which seeks to offer owners of manufactured housing the same type of benefits enjoyed by owners of site-built housing. She also works on an array of other projects focused on asset building. Before joining CFED, Ms. Goulding was Program Associate in the Economic Development Unit of the Ford Foundation. Her work there focused on grants and program-related investments in the homeownership and international development finance sectors. She has also worked internationally in the field of microfinance as part of ACCIÓN International’s technical assistance team based at BancoSol, in La Paz, Bolivia. Ms. Goulding holds a BA in political science from Amherst College and an MPA from Princeton University’s Woodrow Wilson School of Public and International Affairs.

Article: Manufactured Housing

Joe Herring is Executive Director of Region IV Development, Council of Government Economic Development District and SBA Certified Development Company in southcentral Idaho. Mr. Herring is also Director and a cofounder of the Idaho-Nevada CDFI. Mr. Herring has worked in rural community development since 1980 and previously held positions as Regional Land Use Planner, Economic Development Planner, City Planner, and Community Development Director. Mr. Herring has served in his present position for more than 22 years. He has bachelor’s degrees in regional planning and in geography from New Mexico State University.

Article: Job Creation

Calvin Holmes has worked for the Chicago Community Loan Fund (CCLF) for more than 12 years and was promoted to Executive Director in 1998. Under his leadership, CCLF’s capitalization has grown from $3.7 million to more than $20 million in total capital under management. CCLF is now one of the 10 largest nonprofit CDFIs in Illinois. In 2001, Mr. Holmes was honored as one of the Chicago Business Journal’s “40 Under 40” young leaders and as a 2002–2003 Leadership Greater Chicago fellow. He holds a master’s degree in urban and regional planning, with a concentration in real estate development, from Cornell University and a bachelor’s degree in African American studies from Northwestern University. Mr. Holmes currently serves on several boards, including Opportunity Finance Network, and as secretary of the Interfaith Housing Development Corporation of Chicago and treasurer for both the Parkland Condominium Association and the Supportive Services Development Corporation. He also serves in an advisory capacity on the boards of the National City Bank Community Development Corporation, Citibank NMTC Corporation, Great Lakes Region Sustainability Funds LLC, and the Community Economic Development Law Project, among others; and he serves on the awards selection committee for the Chicago Neighborhood Development Awards sponsored by the Local Initiatives Support Corporation.

Article: Shared-Equity Homeownership

Jeannine Jacokes was appointed Executive Director of Partners for the Common Good (PCG) in 2001. PCG finances nonprofit organizations and businesses that create opportunity for low-income people. As a national wholesale participation lender, PCG partners with CDFIs across the United States to finance working capital, affordable housing, community facilities, and commercial revitalization projects. Internationally, PCG provides loans to microfinance and fair trade organizations. Ms. Jacokes served for more than six years as a senior member of the management team at the CDFI Fund and played a leadership role in designing and implementing the CDFI Fund’s programs and operations. She came to the CDFI Fund after serving as a senior policy advisor at the U.S. Senate Committee on Banking, Housing, and Urban Affairs. During her five years at the committee, she played a key role in drafting many of the laws that currently govern the U.S. Department of Housing and Urban Development’s programs, as well as monitoring and providing oversight of federal regulatory agencies that administer laws that impact the availability of credit in underserved markets. Ms. Jacokes also served for two years at the U.S. Department of Housing and Urban Development. Ms. Jacokes currently manages and serves as Senior Policy Advisor to the Community Development Bankers Association, the national trade association of the community development banking industry. She serves on the board of directors of Opportunity Finance Network, the CDFI Coalition, and the Social Enterprise Alliance. For three years, Ms. Jacokes was the president of the board of directors of the Women in Housing and Finance Foundation, a District of Columbia community foundation that promotes financial literacy among low-income individuals. Ms. Jacokes holds an MA in city and regional planning from the University of North Carolina at Chapel Hill and a BA from Aquinas College in Grand Rapids, Michigan.

Article: Community Development Financial Institutions Fund

Ronda Kotelchuck is founding Executive Director of the Primary Care Development Corporation (PCDC), a unique public-private partnership with a mission of expanding access to primary and preventive care in underserved communities. PCDC provides capital financing for new, expanded, and renovated community health facilities. It also offers programs in redesign of health services, and business processes and information technology for primary care providers. From 1981 to 1993, Ms. Kotelchuck served with the New York City Health and Hospitals Corporation (HHC) where, as Vice President for Corporate Planning and Intergovernmental Relations, she spearheaded development and adoption of HHC’s first strategic plan that focused on community-based primary care. Ms. Kotelchuck’s previous background is in health planning and policy, and she received her BA from Lewis and Clark College and her MRP from Cornell University.

Article: Healthcare Centers

Jim King has been President and CEO of the Federation of Appalachian Housing Enterprises Inc. since 2003. FAHE is a nonprofit CDFI with debt equity and consulting services, and a membership organization for nonprofit housing providers in the four-state region of central Appalachia. FAHE’s mission is to provide low-income families in central Appalachia with access to affordable housing. Under Mr. King’s direction, FAHE has increased membership from 28 to 45 community development corporations and has increased capital under management from $25 million to $56 million. During fiscal year 2007, FAHE made $34 million in investments, leveraging an additional $54 million in capital for a total impact of $100 million serving more than 400 households. Working primarily through a membership of 45 nonprofit housing providers serving the most economically distressed communities in Appalachia, FAHE and its members have built and/or preserved more than 45,000 homes, and they have made a significant impact on the economic conditions in central Appalachia. Mr. King completed the Achieving Excellence program at Harvard University’s John F. Kennedy School of Government in 2006. He holds an MBA in economic development from Eastern College and a BA in economics and accounting from Bluffton College.

Article: Distressed Rural Communities

Trinita Logue is founding President and Chief Executive Officer of IFF (formerly the Illinois Facilities Fund), a nonprofit community development financial institution. Ms. Logue conceptualized and created IFF in 1988 while serving as Assistant Director of the Chicago Community Trust. Today, IFF’s 38-person staff provides loans and real estate finance, development, and consulting to nonprofits in Illinois, Missouri, Iowa, Indiana, and Wisconsin. IFF also conducts research, sponsors educational programs, and is a leading advocate on behalf of the nonprofit sector in Illinois and nationally. Ms. Logue’s civic and professional affiliations currently include serving as a director of First Nonprofit Trust Companies, a proprietary insurance company that provides coverage to nonprofit organizations in 10 states. She is also a member of Northwestern University’s Kellogg School of Management Public and Nonprofit Advisory Committee, an adjunct faculty member at Kellogg, a director and member of the executive committee of the Donors Forum of Chicago, a member of the Attorney General’s Charitable Advisory Committee, a member of the Governor’s Early Learning Council, and a member of The Chicago Network. In addition, Ms. Logue serves on the Community Advisory Council of the Federal Reserve Bank of St. Louis.

Article: Nonprofits, Community Facilities & Services

Moises Loza is Executive Director of the Housing Assistance Council (HAC), a national nonprofit corporation and CDFI that works to increase the availability of decent housing for rural low-income people. HAC maintains a special focus on high-need groups and regions, including Indian Country, the Mississippi Delta, farm workers, the Southwest border colonias, and Appalachia. The organization provides technical assistance, training, and research and has a revolving loan fund with assets of approximately $67 million. Since its founding in 1971, HAC has loaned more than $217 million to help build more than 60,000 units of affordable housing in 49 states, Puerto Rico, and the Virgin Islands. Mr. Loza currently is the chair of the Rural Development Leadership Network; treasurer of the National Low Income Housing Coalition; and a member of the boards of the National Community Reinvestment Corporation, the National Housing Conference, and the National Rural Housing Coalition. Growing up in south Texas, Mr. Loza traveled extensively with his migrant family seeking farm work in the South, Midwest, and West.

Article: U.S. Department of Agriculture

Salli Martyniak is President of Forward Community Investments (FCI), a CDFI that provides low-cost, flexible financing and technical assistance to nonprofit community development organizations in Wisconsin that develop affordable housing, promote economic and community development, and support high-impact social service sector programming and facility initiatives. FCI targets projects that help revitalize low- and moderate-income neighborhoods throughout Wisconsin, aiding families and communities along the path toward economic stability and prosperity. During Ms. Martyniak’s tenure, the organization has experienced record deployment levels and closed each year with every available dollar of investment capital lent to its borrowers. Through FCI, Ms. Martyniak is active in the redevelopment of economically distressed neighborhoods throughout Wisconsin, with specific emphasis on areas in Dane County. She has worked in community and business banking at US Bank and Associated Bank, and in business development at the Wisconsin Housing and Economic Development Authority. Ms. Martyniak developed Holly House, a transitional home for homeless single women. She currently serves on various boards and committees, including the Great Wisconsin Credit Union, the Lussier Community Education Center, the North/Eastside Senior Coalition, the Black Hawk Council of Girl Scouts, and the Wisconsin Community Development Legacy Fund.

Article: Financing Nonprofit Facilities

Mary Mathews is President of the Northeast Entrepreneur Fund (NEF), an emerging and small business development organization founded in 1989 that serves entrepreneurs in northeast Minnesota and northwest Wisconsin. NEF has helped start or grow more than 1,000 small businesses through its training and technical assistance, and has provided more than 450 loans totaling $7.6 million. It received the 1998 Presidential Microenterprise Award for Excellence in Developing Entrepreneurial Skills. NEF is the creator of the CORE FOUR Business Planning Course®, a 12-hour instructor-led course for business planning, used by more than 50 microenterprise development organizations and community colleges across the country. Ms. Mathews received the U.S. Small Business Administration’s 2002 Upper Midwest Region Financial Services Advocate Award and the 2000 David A. Martin Entrepreneurial Leadership Award. She currently serves as the vice chair of the board of directors of Opportunity Finance Network. She is a past board member and chair of the Association for Enterprise Opportunity, the national microenterprise development association, and is a member of the Arrowhead Growth Alliance. Ms. Mathews has more than 25-years experience in economic development and is a former business owner. She is a graduate of Iowa State University.

Article: CDFIs & Financial Literacy

Justin Maxson is President of the Mountain Association for Community Economic Development (MACED), a 31-year old multistrategy community economic development organization serving eastern Kentucky and central Appalachia. Based in Berea, Kentucky, MACED creates economic alternatives that work for low-income people and natural places. MACED employs four major strategies: community investment, research for policy and practice, capacity building, and demonstration initiatives. Mr. Maxson first came to MACED in 1995 as Director of Community Development for the Letcher County Action Team, a grassroots sustainable development organization in eastern Kentucky. From 1998 to early 2002, he was Executive Director of the Progressive Technology Project, a national grant-making organization working to strengthen community development efforts through the strategic use of technology. He holds a BA from the University of Kentucky and an MA from Boston University.

Article: Carbon Emission Reductions

Elsie Meeks, an enrolled member of the Oglala Lakota Tribe, is President and CEO of First Nations Oweesta Corporation. Ms. Meeks has more than 20 years of experience working for Native community economic development. Before her leadership and work at Oweesta, Ms. Meeks was active for 20 years in the development and management of The Lakota Funds, a small business and microenterprise development loan fund CDFI on the Pine Ridge Reservation in South Dakota. She serves as the chair of The Lakota Funds and is a board member of Corporation for Enterprise Development, Northwest Area Foundation, Council on Foundations, and the Oglala Sioux Tribe Partnership for Housing. Ms. Meeks is also an International Advisory Council member of Native Nations Institute and on the Board of Governors for the Honoring Nations program of the Harvard Project on American Indian Economic Development. She completed a six-year term on the U.S. Commission on Civil Rights and was the first Native American to serve on the commission. Ms. Meeks is presently the chair of the Native Financial Education Coalition, for which Oweesta serves as lead organization. She and her husband make their home on their ranch near Kyle, South Dakota, on the Pine Ridge Reservation.

Article: Native Issues in Rural Revitalization: Policies for Nation Building

Clara Miller is President and CEO of the Nonprofit Finance Fund (NFF), a national leader in nonprofit, philanthropic, and social enterprise finance. NFF serves both nonprofits and their funders, offering an integrated package of financial and advisory services. She was the recipient of the 2007 Fast Company Award for Social Entrepreneurship. Ms. Miller was named to the NonProfit Times’ “Power and Influence 50” in both 2006 and 2007. She is a board member of GuideStar and GEO and is a community development advisor for the Federal Reserve Bank of New York. Ms. Miller is a former appointee to the U.S. Department of the Treasury’s Community Development Advisory Board, as a member and later as its chair. She also chaired the Opportunity Finance Network board for six years. Ms. Miller speaks and writes extensively about nonprofit capitalization and finance and has been published recently in the Stanford Social Innovation Review, the Nonprofit Quarterly, and Worth magazine.

Article: Mending the Social Safety Net: The Case for Nonprofit Parity

Josh Nassar is Vice President of Federal Affairs for the Center for Responsible Lending (CRL). Mr. Nassar has been with CRL since the fall of 2003. He has testified before Congress and appeared on CNN and several other media outlets on behalf of CRL. CRL is a nonprofit, nonpartisan research and policy organization that promotes responsible lending practices and access to fair terms of credit for low-wealth families. CRL is dedicated to protecting homeownership and family wealth by working to eliminate abusive financial practices. Before working for CRL, Mr. Nassar was part of Representative Jan Schakowsky’s legislative staff. He advised her on policy issues surrounding taxation, the budget, housing, banking, transportations, and telecommunications. He has also worked for a lobbying firm. Mr. Nassar has a master’s degree in public policy from the Graduate Center for the City University of New York.

Article: Subprime Lending: Better Options Exist

Jeremy Nowak is President of The Reinvestment Fund (TRF), a community development financial institution with $450 million in assets. TRF creates economic opportunity and wealth for low-wealth communities and families. TRF has provided more than $700 million in debt and equity financing and is nationally recognized for high-quality data and policy analysis. TRF financing has resulted in 16,000 units of housing, 30,000 charter school and child care slots, and six million square feet of commercial real estate. During the past two years, TRF has worked in partnership with the state of Pennsylvania to finance more than 30 supermarkets in distressed urban and rural communities across the state. In 1994, Dr. Nowak was the recipient of the Philadelphia Award, the city’s highest civic honor. He was awarded a PhD in anthropology from the New School for Social Research (1987) and given an honorary doctorate by Villanova University. He is currently a fellow at the Aspen Institute for entrepreneurial leaders in education. Dr. Nowak is the board chair of Mastery Charter Schools, a network of four inner-city charter high schools in Philadelphia; the board chair of Alex’s Lemonade Stand, a charity that raises money for pediatric cancer research; and a board member of the Philadelphia Federal Reserve. In addition, he is the author of numerous reports and articles on urban development. Dr. Nowak’s latest report is an examination of policy options for America’s most distressed cities. It is coauthored with an examination of the role of development finance in environmental reclamation (University of Pennsylvania Press).

Article: Federal Funding Innovations Supporting Opportunity Finance Overview

Ronald L. Phillips is President and founder of Coastal Enterprises Inc., a nonprofit community development corporation and CDFI based in Wiscasset, Maine. Organized in 1977, CEI’s mission is “to create economically and environmentally healthy communities in which all people, especially those with low incomes, can reach their full potential.” CEI has pursued that mission primarily in rural regions by creating jobs, affordable housing, and social services for people and places left out of the economic mainstream. With capital under management of $490 million, CEI is now one of Maine’s and the nation’s major finance development organizations. CEI has mobilized $1.4 billion for financing and technical assistance in the development of small, medium, and micro businesses; the natural resources industry sectors of fish, farms, and forests; community facilities such as family- and center-based child care; and affordable housing. CEI makes investments outside Maine in northern New England, upstate New York, and other regions. In 2002, Mr. Phillips was selected for the James A. Johnson Fannie Mae fellowship. His past and present board and advisory board memberships include the Federal Reserve Bank of Boston, KeyBank’s National Community Development Advisory Board, Federal Home Loan Bank of Boston, Board of Regents, Economic Development Council of Maine, Maine Small Business Advisory Council, Mainewatch Institute, Maine Center for Economic Policy, Maine Fisheries Industry Development Center, and Albanian-American Trade and Development Association. He is a member of the Rural Local Initiatives Support Corporation (LISC) Advisory Council, on the national board of LISC, and a past board member of Opportunity Finance Network, as well as a founding member of the Association for Enterprise Opportunity. He is also a founding member and current president of the New Markets Tax Credit Coalition. Mr. Phillips’ previous work experience was with the National Council of Churches on domestic and international political, social, and economic policies of U.S. private corporations and public agencies in third-world regions. Mr. Phillips is a graduate of Boston University with a bachelor’s degree in comparative literature and a masters of divinity from Union Theological Seminary in New York, and he completed Harvard Business School’s Advanced Management Program.

Article: CDFIs & the Environment Overview

Mark Pinsky is President and CEO of Opportunity Finance Network (OFN), the national network of high-performing CDFIs and other opportunity finance institutions. Opportunity Finance Network is leading the industry toward its goal of creating a high-impact, high-volume financing system providing tens of billions of dollars annually benefiting millions of low-income and low-wealth people. Mr. Pinsky joined Opportunity Finance Network in February 1995 and is primarily responsible for OFN’s vision and strategy. Under his leadership, the organization has introduced several innovative products including the equity equivalent investment (EQ2), the CDFI Assessment and Ratings System™ (CARS™), performance-based financing, the Opportunity Mortgage Network, and the Wachovia NEXT Awards for Opportunity Finance. Mr. Pinsky writes about the industry for a wide range of publications and has published five books. He currently chairs the national boards of the CDFI Data Project, the Opportunity Mortgage Network, and CARS™. He also serves on the boards of Net Impact, the CDFI Coalition, and New Mexico Community Capital, as well as on advisory boards to the Center for Community Development Investments at the Federal Reserve Bank of San Francisco, Bank of America’s National Consumer Advisory Council, and several New Markets Tax Credit community development entities. Mr. Pinsky served on the Consumer Advisory Council of the Federal Reserve Board of Governors from 2003 through 2005, including service as chair of the Council in 2005. He served on the CDFI Fund Advisory Board in the U.S. Department of the Treasury from 2002 through 2006.

Article: Introduction: An Opportunity Agenda

Chuck Prince is Senior Vice President, Director, and Cofounder of the Idaho-Nevada Community Development Financial Institution Inc., which provides small business and affordable housing financing throughout Idaho, Nevada, and the Intermountain West. Founded in 1999, the Idaho-Nevada CDFI began lending in 2002 and now has more than $25 million in capital, has financed more than 750 units of affordable housing, has created 300 permanent and 1,000 construction jobs. Dr. Prince has more than 32 years of rural community development expertise. He has served as Executive Director of a housing development corporation, directed two municipal redevelopment agencies, and served as City Manager and Executive Director of a regional council of governments. Dr. Prince has doctorate and master’s degrees in political science with an emphasis in American constitutional law from Idaho State University and a bachelor’s degree in public administration from the University of San Francisco.

Article: Job Creation

David Raynor has been Executive Director of the Leviticus 25:23 Alternative Fund Inc. since 1999. The Leviticus Fund is a community development financial institution lending to developers of affordable housing and nonprofit facilities, especially child care centers. Before joining the Leviticus Fund, Mr. Raynor spent nine years at the Highbridge Community Life Center in the Bronx, where he worked in technology development and adult education, among other areas. He also spent seven years in Venezuela, working on a community development project with the Maryknoll Lay Missioners. His principal work in Venezuela was the development of a food cooperative. Mr. Raynor began his career with the Xerox Corporation, where he spent 10 years in sales, marketing, and sales management. Mr. Raynor holds a BA in economics from Fordham University. His board service includes current membership on the board of Pius XII Youth and Family Services and past membership on the Jesuit International Volunteers board.

Article: Facilities for Early Care & Education Programs

Carl Rist is the Director of the CFED’s SEED (Saving for Education, Entrepreneurship, and Downpayment) Policy Practice, and Research Initiative, a multiyear, multisite demonstration of matched-savings accounts for children and youth in low-income families. The primary goal of the initiative is to set the stage for a large-scale, universal, progressive policy for asset building among American children, youth, and families. Previously, Mr. Rist was responsible for CFED’s efforts to support state-level policy and coalition building initiatives designed to expand individual development account programs. He led the development and design of the “Assets and Opportunity Scorecard,” a comprehensive tool that examines wealth, poverty, and financial security across the 50 states using performance and policy measures. Mr. Rist’s experience at the state level includes working with state task forces in both Delaware and Pennsylvania to develop recommendations for helping citizens, especially those with low incomes, to build and protect their assets. Mr. Rist earned a master’s degree in public policy from the Sanford Institute of Public Policy at Duke University and an undergraduate degree from Davidson College.

Article: Children’s Development Accounts

Benson F. Roberts is Senior Vice President for Policy and Program Development at the Local Initiatives Support Corporation (LISC). LISC is the nation’s largest nonprofit investor in low-income community development, operating through 30 local offices and a national rural community program. Mr. Roberts directs LISC’s activities in public policy and research and assessment. He was involved in the creation of such federal policies as the LIHTC, NMTC, and the HOME housing development program. Mr. Roberts is a board member of the National Association of Affordable Housing Lenders, the National Housing Conference, and the New Markets Tax Credit Coalition. He has coauthored several books and articles on affordable housing and community development.

Article: Using Federal Funding to Mobilize Private Capital

Odell Rutherford grew up in the predominantly African American Bedford Stuyvesant community of New York City. He received his elementary education in the New York City public school system and graduated from Erasmus Hall High School. Mr. Rutherford later earned an AAS degree from Pace University and a BS and MBA from Pacific Western University. Mr. Rutherford began his career in banking in 1966 at the Dime Savings Bank of New York, which is now part of Washington Mutual Bank. He rose from the rank of teller to hold several branch and strategic management positions. He retired from “Dime” in 1999. In October 2003, he was recruited by Carver Federal Savings Bank, the largest predominantly African American-managed bank in the country because they were looking for someone to help solidify their operations. Mr. Rutherford accepted the position of Vice President, Branch Administration and has helped in the expansion of their retail branch and ATM network.

Article: Children’s Development Accounts

Ellen Seidman is Executive Vice President of National Policy and Partnership Development at ShoreBank Corporation, and she chairs the board of the Center for Financial Services Innovation, a ShoreBank nonprofit affiliate that helps financial services providers responsibly and sustainably serve U.S. underbanked consumers. ShoreBank is the nation’s first and leading community development and environmental banking corporation. Ms. Seidman also directs the Financial Services and Education Project of the New America Foundation in Washington, DC.. Before joining ShoreBank, Ms. Seidman served as Senior Counsel to the Democratic staff of the Financial Services Committee of the United States House of Representatives. From 1997 to 2001, she was Director of the U.S. Treasury Department’s Office of Thrift Supervision. From 1993 to 1997, Ms. Seidman served as Special Assistant for Economic Policy to President William J. Clinton. She has also held senior positions at Fannie Mae, the U.S. Department of the Treasury, and the U.S. Department of Transportation. Ms. Seidman sits on the boards of the Center for Neighborhood Technology (and its car-sharing affiliate, I-Go), Coastal Enterprises Inc., and the Low Income Investment Fund, and she is on the board of overseers of the School of Community Economic Development at Southern New Hampshire University. She holds a bachelor’s degree from Radcliffe College, a law degree from Georgetown University Law Center, and an MBA in finance and investments from George Washington University.

Article: Modernization & Expansion of the Community Reinvestment Act

Ed Sivak is Director of Policy and Evaluation at the Enterprise Corporation of the Delta (ECD). In that position, Mr. Sivak runs the Mississippi Economic Policy Center, a public policy initiative that produces rigorous, accessible, and timely analysis to inform the policy debate on issues that affect the economic and social well-being of working families and low-wealth Mississippians. He also manages several of ECD’s community development projects, including the Emerging Markets Partnership, an initiative to stimulate economic development in the Mississippi Delta; and the Collaborative for Enterprise Development, a joint effort with five other nonprofit organizations to rebuild small businesses in New Orleans. Before joining ECD, Mr. Sivak worked as a graduate fellow at Georgetown University’s Center for Public and Nonprofit Leadership (formerly the Center for the Study of Voluntary Organizations and Service) and as a Program Coordinator at L’Arche Irenicon, a nonprofit organization that provides homes to adults with developmental disabilities. Mr. Sivak holds an MA in public policy from the Georgetown Public Policy Institute and a BA in history and English from Marquette University. He is currently chair of the Community Affairs and Housing Subcommittee of the Federal Reserve Board’s Consumer Advisory Council, council secretary for BancorpSouth’s Community Reinvestment Advisory Council, and a board member of the Mississippi Low-Income Child Care Initiative.

Article: Disaster Recovery

Christopher Sikes is Executive Director and cofounder of the Western Massachusetts Enterprise Fund Inc., a CDFI that has provided financing to microenterprises, small businesses, and community projects since 1990. In 1986, Mr. Sikes was one of the founders of the organization and helped move it from a small microenterprise loan fund to a community capital organization, with a mission to create economic opportunities for low- to moderate-income communities and individuals. Mr. Sikes is a national advocate for microenterprise development and community economic development in general. In another life, he owned his own piano-rebuilding company.

Article: Small Business Administration’s Microloan Program

Tom Seth Smith is President and CEO of REI, a position he has held for 18 years. REI is a nonprofit economic development firm offering business and community assistance services statewide. Under his leadership, REI has diversified and is recognized as one of the most comprehensive economic development organizations at the state and national levels. A graduate of Oklahoma State University, Mr. Smith also serves as the chair of RE I New Markets Investment LLC, which offers federal and state tax credits. His awards and honors include the Oklahoma State University Distinguished Alumni Award and a scholarship for the Senior Executives in State and Local Government program at Harvard University’s John F. Kennedy School of Government, an intense three-week leadership-training curriculum. Mr. Smith also completed a term on the Federal Home Loan Bank of Topeka board of directors for 2003–2006, and he is recognized in the economic development field for his visionary leadership skills.

Article: Manufacturing

Sara Vernon Sterman is Managing Director of Community Facilities Lending at The Reinvestment Fund (TRF). Ms. Sterman joined TRF in 1999 after completing graduate school at the University of Pennsylvania. Ms. Sterman’s current responsibilities include program design and implementation of lending products for a portfolio consisting of nonprofit educational institutions and social service organizations. She has developed and oversees TRF’s $125 million charter school portfolio. Other duties include budget development, marketing, representing TRF in public forums, and managing the community facilities lending group staff. Before attending graduate school, Ms. Sterman taught elementary school in New York City and Washington, DC, with the Teach For America program and was a program director for Teach For America in eastern North Carolina. She has an MSW from the University of Pennsylvania’s School of Social Work and an MBA from the Wharton School.

Aticle: Charter Schools

Carol Wayman is Senior Legislative Director at CFED. She directs CFED’s efforts to expand economic opportunity through federal legislative and regulatory advocacy. During her tenure at CFED, Ms. Wayman has led efforts to expand matched-savings accounts through enactment of an IDA tax credit, refundable Saver’s Credit, reauthorization of the Assets for Independence Act, and renewed funding for IDAs at the Office of Refugee Resettlement. Prior to joining CFED, Ms. Wayman served as Director of Policy at the National Congress for Community Economic Development for nearly a decade. She advocated on behalf of nonprofit community development corporations and successfully increased federal and state government investment in their activities. Accomplishments include the enactment of the New Markets Tax Credit, expansion of investment activities of the Federal Home Loan Bank System, and support of more than $4 billion in state housing and economic development policies. Ms. Wayman is the author of numerous publications, including “Stroke of the Pen: 40 Recommendations for Policymakers,” “At Your Fingertips: An Annotated Bibliography for CED Practitioners,” “Practitioner’s Guide to Federal Community Economic Development Programs,” and two guidebooks on the New Markets Tax Credit.

Article: Individual Development Accounts

Eric Weaver, founding Executive Director of Opportunity Fund, formerly known as Lenders for Community Development, has spent his entire career as an advocate for working people and low-income communities. Under his leadership, Opportunity Fund has grown into one of the nation’s largest and most effective microfinance institutions, with an emphasis on both savings and credit. Opportunity Fund operates the nation’s largest IDA program, the Assets for All Alliance, and is the largest provider of microloans to low-income entrepreneurs in the California Bay Area. Opportunity Fund has also become one of the most innovative community development real estate lenders in the nation through its partnerships with local banks, the Sobrato Family Foundation, and the Housing Trust of Santa Clara County, and through its use of the New Markets Tax Credit. Mr. Weaver’s prior work experience includes developing affordable housing in Washington, DC, and serving as a relief worker in El Salvador. In 2006, Mr. Weaver was named one of the first seven recipients of the James Irvine Foundation Leadership Award, which was established to recognize and celebrate individuals who are successfully tackling some of California’s most challenging problems.

Article: Asset Accumulation & Protection Overview

Chuck Wehrwein joined the Housing Partnership Network staff in April 2007 as President of Housing Partnership Exchange, which encompasses peer exchange, policy, communications, membership, resource development, and service-related businesses. From 2000 through February 2007, he served as Senior Vice President for Strategic Development Initiatives at Mercy Housing, where he led the planning and implementation of Mercy’s portfolio acquisition initiative and led its Strategic Initiatives Group. During his tenure at Mercy Housing, Mr. Wehrwein also had responsibility for Mercy’s underwriting and asset management activities, the Mercy Loan Fund, and new business development, and he served as Regional President of Mercy Housing Southwest, Midwest, and East. Before joining Mercy Housing, Mr. Wehrwein was Chief Operating Officer of the National Equity Fund, where he was responsible for all program operations, including acquisitions, asset management, portfolio management, and information systems, with annual equity placements of $300 million to $400 million. Previously, he served as Deputy Assistant Secretary for Multifamily Housing at the U.S. Department of Housing and Urban Development, and as Deputy Administrator for Multifamily Housing at the U.S. Department of Agriculture’s Rural Housing Service. Mr. Wehrwein earned an undergraduate degree from the University of Illinois at Chicago and an MBA from DePaul University. He is a certified public accountant.

Article: Preservation: A Matter of Sustainability

Margo Weisz has served as Executive Director of PeopleFund since its infancy in 1995 and serves as a consultant on a variety of projects. She has served as a lecturer at the University of Texas Graduate School of Business, where she taught a class on community development and social enterprise. Among the numerous awards Ms. Weisz has received are the 2006 Profiles in Power award from the Austin Business Journal and the 2004 Ernst and s Social Entrepreneur of the Year award, and she was named the Austinite of the Year at the Austin Under 40 Awards of 2003. She was also chosen as a 2003 Marshall Fellow and in that role traveled to Europe to discuss transatlantic relations. Ms. Weisz is the president of the board of PeopleTrust, is a member of several other boards, and served as the 2003 chair of Austin’s Small Business Task Force.

Article: Small Business & Entrepreneurship Overview

Dafina Williams is a member of the policy team at Opportunity Finance Network, a national network of more than 160 financial institutions. Over the past 30 years, the opportunity finance industry has provided more than $23 billion in financing that would not otherwise have happened in markets that conventional finance does not reach. Ms. Williams is responsible for Opportunity Finance Network’s research relating to policy and assists in framing the organization’s federal policy priorities. She is a recent graduate of Temple University, where she received a BBA in economics. Ms. Williams is a graduate student at the University of Pennsylvania’s Fels Institute of Government where she is pursuing a Master’s degree in government administration.

Article: The Business of Going Green

Marie Young is Managing Director of Child Development and Education Programs at the Low Income Investment Fund (LIIF). Ms. Young is responsible for overseeing all of LIIF’s child care and education programs. Before joining LIIF in December 2003, she was Principal Consultant at MBY Consulting, providing consultation to foundations and governmental agencies on system building to improve the well-being of young children and their families. For seven years prior, she was at the David and Lucile Packard Foundation, serving as Senior Program Manager of Children, Families, and Communities. There she led the design and implementation of grant programs ($60 million) in child health, economic security, child and youth development, child welfare, family support, and policy advocacy. Ms. Young has also founded and directed child care programs and taught early childhood education at the community college level. She currently serves as the chair of the National Children’s Facilities Network and was the chair of the National Early Childhood Funders Collaborative. Ms. Young received a BA from Stanford and an MSW from UCLA.

Article: Facilities for Early Care & Education Programs