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COMMUNET Home

COMMUNET Home

COMMUNET  March 1995, Week 5

COMMUNET March 1995, Week 5

Subject:

Creative Lending Survey

From:

William Myers <[log in to unmask]>

Reply-To:

Communet: Community and Civic Network Discussion List

Date:

Wed, 29 Mar 1995 09:43:54 -0500

Content-Type:

text/plain

Parts/Attachments:

Parts/Attachments

text/plain (156 lines)

Dear Colleague:
 
The Alternatives Federal Credit Union is interested in learning about the
creative lending
programs offered by your organization. We are a community development
credit union in Ithaca,
N.Y. We provide banking services to our members with the aim of making our
community
financially self-reliant. We are looking for ways in which we can use new
and innovative lending
programs to better serve our community.
 
We are especially interested in any programs you may offer which serve
groups that have
historically not had access to banking services and are not currently being
served by local banks.
We would like to hear about your unique mortgage, consumer and business
lending programs,
with details on how the programs work, how they are funded and how
successful they have been.
 
We greatly appreciate your taking the time to fill out the attached survey
to share with us your
current activities and your ideas for the future. We will be happy to
forward to you a copy of the
survey results. We have sent the survey to over 200 organizations and we
expect that the results
will provide suggestions which will be valuable to your organization. We
will not release your
name or address with the survey results.
 
Thank you for your time.
                                        Sincerely,
                                        Carol Chernikoff
                                        Reed Singer
 
                                                 Creative Lending Survey.
 
1. Does your organization serve an urban or rural area?
     ____Urban ____Rural
 
2. What is the structure of your organization?
     ____ Credit Union
     ____ Community Development Credit Union
     ____ Bank
     ____ Investment Fund
     ____ Loan Fund
     ____ Community/Local Development Corporation
     ____ Other, please specify: ___________________________________
 
3. What is the amount of your organization's assets? $_______________
 
4. What is the amount of your organization's loan portfolio? $______________
 
5. How many account holders does your organization have? _______________
     How many depositors?________________
     How many investors? ________________
     How many grantors? ________________
 
6. Do you offer targeted loans?
     ____Yes ____No
 
7. If yes, what populations do your loan programs target? (Check ALL that apply)
     ____ Low/moderate income individuals ____ Students
     ____ Women ____ Prison inmates
     ____ Single-parent families ____ Specific geographic locations
     ____ Gays, lesbians and bisexuals ____ Self-employed
     ____ Minorities ____ Small business owners
     ____ Other, please specify:
_________________________________________________
 
8. In what areas do you offer targeted loan programs? (Check ALL that apply)
     ____ Affordable housing ____ Property rehabilitation
     ____ Home ownership ____ Energy efficiency
     ____ Multi family housing ____ Small business
     ____ Mutual housing ____ Coops
     ____ Non-standard construction ____ Consumer finance
     ____ Other, please
specify:__________________________________________________
 
 
We are interested in learning more about the loan programs you indicated in
the previous
questions. Please use _a_separate_sheet_for_each_loan_program. Feel free
to attach any
literature or fact sheets which you may have about this program.
 
9. Name of Loan Program ________________________________________________________
    Targeted
Population___________________________________________________________
 
a. How do you fund this loan program?
     ____Assets ____Grants ____Profit ____Revolving loan funds
     ____Loan packaging ____Affinity deposits ____Low cost deposits
     ____Participation ____Secondary market
     ____Other, please
specify:__________________________________________________
 
b. How do you price this loan program?
     ____Market ____Interest subsidy ____Lower closing costs
     ____Borrower subsidies ____Institution subsidies ____Targeted
discounts
     ____Other, please
specify:__________________________________________________
 
c. What other organizations are involved in providing this loan program?
     ____City ____State ____Federal Government ____SBA
____Foundation
     ____HUD ____Unions ____Churches ____Social Investors
____Insurance Co.
     ____Other, please
specify:__________________________________________________
     ____None/not applicable
 
d. What are the non-standard underwriting standards for this loan program?
     ____Small size loans ____ Low equity ____Debt ratios
____Credit history
     ____Collateral ____Repair reserves ____Job changes
     ____Other, please
specify:__________________________________________________
     ____None/not applicable
 
e. What techniques do you use to market this program to its targeted population?
     ____Print advertising ____Radio/TV advertising ____Direct mail
     ____Word-of-mouth ____Educational programs ____Community outreach
     ____Other, please
specify:__________________________________________________
     ____None/not applicable
 
f. What borrower education programs do you offer which relate to this loan
program?
     ____Handouts ____Seminars ____Clubs/support groups
     ____Training programs ____Individual counseling
     ____Other, please
specify:__________________________________________________
     ____None/not applicable
 
10. Would you like a copy of the survey results? ____Yes ____No
 
The following information is optional:
Name_________________________________________________________________________
Organization___________________________________________________________________
Address_______________________________________________________________________
______________________________________________________________________________
Phone_________________ Fax __________________ E-mail ___________________________
 
Thank you for your time. Please return the survey in the enclosed
postage-paid envelope to:
     Alternatives Federal Credit Union
     301 West State Street
     Ithaca, NY 14850
     Phone: (607) 273-4666
     Fax: (607) 277-6391
 
You may also respond via E-mail: [log in to unmask]

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