We work with a wide range of organizations to create economic opportunity for lower-income Americans

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Today in America, there are more than six million people who would like to find a full-time job, but thus far have been relegated to working part-time instead. And research tells us that the poverty rate for folks who work part-time while aspiring to work full-time is just about the same as the poverty rate for folks who have no job at all. Here are six things we learned about this issue by talking with communities across the Western states.

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Publications

Special Publications

Posted April 26, 2017

Social Impact Bonds (also known as Pay for Success contracts) have demonstrated significant growth potential within their defined boundaries, but the standard model has not yet developed “mainstream” investment transactions capable of expanding certified evidence-based programs (CEBPs) commensurate with unmet population needs. This paper proposes an enhanced SIB model called “Scale Finance” in which asset owners and fund managers would work with CEBP developers to expand these proprietary programs at their maximum feasible growth rates. If successful, Scale Finance would offer a financially self-sustaining way to effectively solve certain pervasive social problems we already know how to fix.

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Data

The Small Business Credit Survey is a national collaboration of the 12 Reserve Banks of the Federal Reserve System that provides intelligence on small business financial needs, decisions, and outcomes to policymakers, researchers, and service providers.

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Initiatives

The Federal Reserve Bank of San Francisco is committed to facilitating the availability of financial services and capital, consistent with safe and sound practices, by banks through training, roundtable convenings, and collaboration with community investment partners.

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Our team has broad expertise, including community development finance, small business development, data analysis, neighborhood revitalization, and Community Reinvestment Act application.

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What It’s Worth: Strengthening the Financial Future of Families, Communities and the Nation

New book examines the drivers of financial well-being and innovative solutions for tackling poverty

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