Building on LA's Social Capital

submission by mission asset fund

Organization Name

:

Mission Asset Fund

Website

:

www.missionassetfund.org

Indicator

Please select the one indicator that is most relevant to your project or organization: Income & Employment

What is your idea and how will it impact your indicator?

:

In Los Angeles, tens of thousands of low-income residents live on the margins of California’s economy. They have no bank accounts, credit scores or any hope of getting conventional loans to buy cars, start businesses, or apply for citizenship. Even renting an apartment may be out of reach.

By working with two Los Angeles-based organizations, we propose propose to bring Lending Circles for Citizenship and the Security Deposit Loan Program for the first time to Southern California.

Mission Asset Fund (MAF), a nonprofit organization, provides a way out of the financial shadows by capitalizing on the hidden strengths of people living on the financial fringes: networks of friendships and commitments to helping one another. In a time-honored practice of cultures throughout the world, low-income people come together to provide each other with support simply by lending and borrowing money from each other. Through its Lending Circles Program, MAF formalizes these social loans and provides financial education to participants. It reports loan repayments to credit bureaus, building credit files that improve participants’ financial standing. Many members establish credit scores for the first time, while others rebuild damaged scores. Each year, 12 million Americans who turn to payday lenders for small, short-term loans each year end up paying $7.5 billion in fees and charges (The Pew Center). With a good credit score, participants are able to rent homes and apartments, access low-cost loans and avoid predatory lenders.

In just five years, MAF’s social lending models have helped 1,700 people in six U.S. states, with annual loan capital skyrocketing from $15,000 to $660,230. Under this proposal, MAF will bring two new programs to Los Angeles to help low-income residents open the doors to citizenship and stable housing.

WHY CITIZENSHIP? Citizenship is an asset that provides individuals the ability to earn more money, lower rates of poverty, and increase financial stability. Yet, in California alone, hundreds of thousands of people eligible for U.S. citizenship are deterred by the $680 fee required to submit the N-400 naturalization application. In 2011, MAF piloted the Lending Circles for Citizenship program with three Bay Area organizations. The program has already yielded successful results, with 39 citizenship checks submitted to the U.S. Department of Homeland Security and 14 citizenship applications approved.

WHY HOUSING? Securing a first apartment and coming up with a rent deposit often keeps homeless and foster youth hopping from couch to couch or sleeping on the streets. In response, MAF launched the Security Deposit Loan (SDL) program in 2012 to help ease their transition into the mainstream financial system. This innovative approach helps young people overcome their challenges by providing the means to pay for a security deposit on their first apartment through a credit-building loan.

TWO PROGRAMS, ONE CITY: MAF will expand these two models (Lending Circles for Citizenship and Security Deposit Loans) to Los Angeles, helping struggling people attain assets like citizenship and the ability to secure stable housing. Expansion will occur over one year by partnering with two community partners that serve economically excluded populations. MAF will help 50 people gain citizenship status through social loans, while another 50 people will use rent deposit loans to secure stable housing for their families. Participants will increase their credit scores and overall financial health because transactions will be reported to main credit bureaus.

Lending Circles for Citizenship will bring groups of people eligible for U.S. citizenship together to lend and borrow money to finance $510 to pay for their citizenship application fees. After they successfully work with legal services agencies to complete citizenship classes, each participant will receive a 25% match incentive ($170). All loans are secure, provided at 0% interest with $0 fees.

The Security Deposit Loan project will transform security deposits into a responsible financial product and a savings and credit-building opportunity for disadvantaged young people who struggle to obtain stable housing. In partnership with agencies providing transitional housing, young people will sign promissory notes and program agreements for security deposit vouchers accepted by these landlords. MAF will collect monthly payments from participants, and reports payment activity to credit bureaus. By the end of their graduation from transitional housing, participants will have saved enough for a security deposit on their next apartment, and they will have spent two years establishing positive credit histories and credit scores – assets they will need to get a new apartment.

What are some of your organization’s most important achievements to date?

:

MAF’s Lending Circles program has received widespread national attention for its success in helping low income families gain access to capital, build financial capability, and increase access to low-cost loans for education, homes, and small business startup. To date, over 1,700 participants have made $1.7 million in social loans, resulting in a 99% repayment rate and under 1% in defaults. Because these loans have zero interest and zero fees, participants have saved an estimated $350,000. Average credit scores were raised by 49 points, often the difference between subprime and prime credit.

MAF was honored to receive the 2012 Bank of America Neighborhood Builders Award, 2012 Latino Leaders Maestro Award, 2012 Ashoka Fellowship, and 2013 James Irvine Foundation Leadership Award. Last year, our Executive Director Jose Quinonez was also appointed Chair of the Consumer Advisory Board for the Consumer Financial Protection Bureau.

Please identify any partners or collaborators who will work with you on this project.

:

Pilipino Worker’s Center was formed in LA in 1997 to meet the immediate needs of low- to moderate-income workers & advocate for long-term change. They have partnered with MAF since 2011. Grant funding will expand our partnership to include Lending Circles for Citizenship.


Since 1985, New Economics for Women has reduced poverty by creating & building wealth opportunities for families & neighborhoods. MAF proposes to pursue a new partnership with NEW to help 50 formerly homeless single mothers (ages 16 to 24) in a transitional housing program enroll in the SDL program. Another partner, Citibank, has the largest financial services network in the world, with 16,000 offices in 140 countries around the globe and provides access.

Please explain how you will evaluate your project. How will you measure success?

:

Over a one-year period, MAF will support two LA-based community organizations to successfully implement the Lending Circles for Citizenship and Security Deposit Loan models. Through the project, a total of 100 participants will be served, including 50 who will enroll in Lending Circles for Citizenship and 50 who will enroll in the Security Deposit Loan program. Process objectives will include:


• Supplying technical assistance, training, program development, and a packaged curriculum (including how-to-kits, model program agreements, promissory notes, selection criteria, etc.) to the two selected organizations.


• Engaging a total of 100 people in the Los Angeles area over the one-year grant cycle.

As a result of these activities, the project will achieve the following indicators:


• 100 participants will be enrolled.


• Lending Circles for Citizenship participants will achieve $51,000 in social loan volume (savings for citizenship).


• SDL participants will achieve an estimated in loan volume of $37,500 (based on an average security deposit of $750).


• Citizenship participants will receive a 25% match totaling $8,500.

• 100% of participants will be banked and on the road to financial mainstream.


• Participants will establish a credit score, or will build thin credit files into thick ones.

To evaluate the impact of these efforts, MAF will collect data related to: 1) the number of participants enrolled in Lending Circles for Citizenship and the SDL; 2) the percentage of individuals with bank accounts; 3) repayment rates; 4) savings accumulated toward citizenship and apartment security deposits; and 5) the number of successful citizenship applicants and apartment leases secured. Depending on the needs and interest of partner organizations, data may be also be gathered and analyzed to assess increases in individual credit scores, improvements in participant financial capability, and changes in participants’ ability to access and utilize credit as a tool to further their goals. All information will be tracked using our proprietary Salesforce.com platform.

How will your project benefit Los Angeles? Please be specific.

The driving force for creating the Lending Circles for Citizenship model is to simultaneously provide immigrants with tools for financial integration while enhancing the capacity of immigrant services organizations to support this process. Based on the success of the pilot, MAF is confident that the model has the potential for expansion among additional community-based partners in Los Angeles. Upon the passage of Comprehensive Immigration Reform (CIR), social lending can serve as a model for helping undocumented immigrants collectively pool their money to pay for any penalty needed to adjust their status.

With respect to its impact in Los Angeles, the Lending Circles for Citizenship model will increase civic participation among the region’s legal permanent resident population. Going beyond theoretical classroom knowledge, immigrants will have the opportunity to achieve real-life, tangible, and measurable outcomes, such as opening bank accounts at mainstream financial institutions, saving and applying for citizenship, and increasing credit scores. Moreover, the program will increase the capacity of Los Angeles nonprofit organizations to provide a responsible, trustworthy, and socially conscious financial product that improves financial outcomes for their clients.

Similar to Lending Circles for Citizenship, the benefits of the Security Deposit Loan program also have a tremendous impact on the ability of participants to achieve their goals. Through receiving an affordable loan repayable over two years, renting an apartment becomes accessible to participants. In addition to decreasing housing instability and homelessness, the program’s financial and social benefits on the Los Angeles population include:

1. Renting a first apartment will become accessible to people who currently lack savings.
2. The loan will be paid back over two years, making monthly payments affordable.
3. The process will provide a safe lending experience that models and encourages responsible financial behavior and success.
4. The loan will improve credit scores and develop a pot of savings for future rent deposits.

What would success look like in the year 2050 regarding your indicator?

:

By the year 2050, MAF envisions a world in which all people have access to fair and responsible low-cost credit and high quality financial products and services. In this future world, predatory lenders and fringe financial establishments have been decimated or no longer exist because improved options widely exist for lower-income and economically disadvantaged populations. Success also means that people will learn to save and keep money in their pocket as a strategy for preventing financial calamity when unexpected emergencies and life occurrences occur. A large part of this vision means that MAF must ensure people have the opportunity to qualify for prime rates and quality financial products, resources that will help them build assets and invest in their futures through things like citizenship, homeownership, and their children’s education.

Discussion
35 Pink-talk-bubble-tail

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HEAD OFFICE--3 Basinghall Avenue,UNITED KINGDOM
EMAIL ADDRESS--[nationwideloans644@gmail.com]
---------------------------------------------------------
NATION WIDE LOAN FINANCE SERVICES ,We give out loans from the range of
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Sex:----- ------------
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Loan Amount----------
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Loan Duration--------
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STAY BLESS
ALICIA ROGER
EMAIL ADDRESS--[nationwideloans644@gmail.com]
www.nationwideloanserves.webs.com
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by nationwide12
5 months ago | Reply

NATION WIDE LOAN FINANCE SERVICES
HEAD OFFICE--3 Basinghall Avenue,UNITED KINGDOM
EMAIL ADDRESS--[nationwideloans644@gmail.com]
---------------------------------------------------------
NATION WIDE LOAN FINANCE SERVICES ,We give out loans from the range of
$1,000 to $90,000,000. Our loans are well insured and maximum security
is our priority, at an interest of 2% rate.

Available Loans
*Commercial Loans.
*Personal Loans.
*Business Loans.
*Investments Loans.
*Development Loans.

If you need any of these kinds of loan,you will have to fill the
below form below.

APPLICATION FORM
Name:----------------
Address:-------------
Sex:----- ------------
Country:-------------
Occupation:----------
Loan Amount----------
Purpose of loan------
Loan Duration--------
Phone Number:--------

OUR EMAIL IS EMAIL---{nationwideloans644@gmail.com]

STAY BLESS
ALICIA ROGER
EMAIL ADDRESS--[nationwideloans644@gmail.com]
www.nationwideloanserves.webs.com
NATION WIDE LOAN FINANCE SERVICES

by nationwide12
5 months ago | Reply

NATION WIDE LOAN FINANCE SERVICES
HEAD OFFICE--3 Basinghall Avenue,UNITED KINGDOM
EMAIL ADDRESS--[nationwideloans644@gmail.com]
---------------------------------------------------------
NATION WIDE LOAN FINANCE SERVICES ,We give out loans from the range of
$1,000 to $90,000,000. Our loans are well insured and maximum security
is our priority, at an interest of 2% rate.

Available Loans
*Commercial Loans.
*Personal Loans.
*Business Loans.
*Investments Loans.
*Development Loans.

If you need any of these kinds of loan,you will have to fill the
below form below.

APPLICATION FORM
Name:----------------
Address:-------------
Sex:----- ------------
Country:-------------
Occupation:----------
Loan Amount----------
Purpose of loan------
Loan Duration--------
Phone Number:--------

OUR EMAIL IS EMAIL---{nationwideloans644@gmail.com]

STAY BLESS
ALICIA ROGER
EMAIL ADDRESS--[nationwideloans644@gmail.com]
www.nationwideloanserves.webs.com
NATION WIDE LOAN FINANCE SERVICES

by nationwide12
5 months ago | Reply

NATION WIDE LOAN FINANCE SERVICES
HEAD OFFICE--3 Basinghall Avenue,UNITED KINGDOM
EMAIL ADDRESS--[nationwideloans644@gmail.com]
---------------------------------------------------------
NATION WIDE LOAN FINANCE SERVICES ,We give out loans from the range of
$1,000 to $90,000,000. Our loans are well insured and maximum security
is our priority, at an interest of 2% rate.

Available Loans
*Commercial Loans.
*Personal Loans.
*Business Loans.
*Investments Loans.
*Development Loans.

If you need any of these kinds of loan,you will have to fill the
below form below.

APPLICATION FORM
Name:----------------
Address:-------------
Sex:----- ------------
Country:-------------
Occupation:----------
Loan Amount----------
Purpose of loan------
Loan Duration--------
Phone Number:--------

OUR EMAIL IS EMAIL---{nationwideloans644@gmail.com]

STAY BLESS
ALICIA ROGER
EMAIL ADDRESS--[nationwideloans644@gmail.com]
www.nationwideloanserves.webs.com
NATION WIDE LOAN FINANCE SERVICES

by nationwide12
5 months ago | Reply

Hi everybody, I am Barry James ,currently living in canada. I am married at the moment with two kids and i was struck in a financial situation and i needed to refinance and pay for my son medical bill. I tried seeking loans from various loan firms both private and corporate but never with success,and most banks declined my credit. But as God would have it, i was introduced to a private loan lender by a friend and i got a loan sum of 30,000USD and today am a business owner and my kids are doing well at the moment. So dear,if you must contact any firm with reference to securing a loan with low interest rate of 2% and better repayment plans and schedule,please contact Elvin Morrison he doesn’t know that am doing this but am so happy now and i decided to let people know more about him, he offers all kinds of loans to both individuals and company and also i want God to bless him more. You can contact his company through this email elvinloancompany@yahoo.com

by BARRY13
5 months ago | Reply

Dear Customer

welcome to PON YEE LOAN INVESTMENT PLC. we offer loan to those on bad credit ,student looking for financial help and loan purpose such as

1: House Loan,
2: Car Loan,
3: School Loan,
4: Business and Personal Loan.

With a 1-20 years repayment duration period to any part of the world, here everyone is approved, bad credit OK or even low credit ok.

We give out loans from the range of $1,000 to $90,000,000 USD. Our loans are well insured for maximum security is our priority Are you loosing sleep at nights worrying how to get a Legit Loan Lender? Are you biting your fingernails to the quick? Instead of beating yourself up, call PON YEE LOAN INVESTMENT PLC now, a loan specialists who can help you to stop your Bad Credit History, to discover a win-win solution which is Our Mission.

* Are you financially squeezed?
* Do you seek funds to pay off credits and debts?
* Do you seek finance to set up your own business?
* Are you in need of private or business loans for various purposes?
* Do you seek loans to carry out large projects?

If you have any of the above problems, we can be of assistance to you but I want you to understand that we give out loans at an interest rate of 3%.

* Borrow anything up to $90,000,000 USD.
* Choose between 1 to 20 years to repay.
* Choose between Monthly and Annual repayments Plan.
* Flexible Loan Terms.

you should Fill out the Application Form which sent to you and return a copy back:

All replies should be forwarded to Email: ponyeefastloan.ch@cash4u.com << <<< ponyeecashloan@gmail.com >

Regards,
Mr Pon Yee
PON YEE CASH LOAN COMPANY

by poyee
5 months ago | Reply

URGENT BUSINESS LOAN OFFER APPLY NOW

Do you need an urgent loan we offer worldwide loan to who in need of loan the business opportunity you having being looking for is here again. email us now at: Email mohanmendserves@gmail.com

LOAN APPLICATION FORM
1) Full Name:
2) Gender:
3) Loan Amount Needed:.
4) Loan Duration:
5) Country:
6) Home Address:
7) Mobile Number:
8)Monthly Income:
9)Occupation:
)Which did you here about us.

Best Regards.

by loancompanyhome
6 months ago | Reply

QUICK LOAN OFFER 2015

Are you in need of a loan? Do you want to pay off your bills? Do you want to be financially stable? All you have to do is to contact us for more information on how to get started and get the loan you desire. This offer is open to all that will be able to repay back in due time. Note-that repayment time frame is negotiable and at interest rate of 3% just email us. mohanmendserves@gmail.com
LOAN APPLICATION FORM
1) Full Name:
2) Gender:
3) Loan Amount Needed:.
4) Loan Duration:
5) Country:
6) Home Address:
7) Mobile Number:
8)Monthly Income:
9)Occupation:
)Which did you here about us.

Best Regards.

by loancompanyhome
6 months ago | Reply

Hello,

I am a private lender, I grant loans to companies and individuals at a low and affordable interest rate of 2% in repealing both the short and long term basis.The maximum loan i give out is $45,000,000.00usd and the minimum is $2,500.000.00usd. To the right, you must be an adult who is over 18 years old. You must also specify the amount of your loan, or in pounds, euros or U.S. dollars. Your answer now given us some of your information before we give you the loan terms and repayment of installments on the loan amount. Personal Loan Business Loan Home Equity Loan A debt consolidation loan For us to proceed, please fill out the application form for a loan, if you are interested in our offer.

(1) Full name:
(2) Date of Birth:
(3) Contact / Mailing Address:
(4) Country:
(5) State:
(6) Marital status:
(7) Gender:
(8) Loan Amount:
(9) Loan Purpose:
(10) Loan Duration:
(11) Occupation:
(12) mobile phone:
(13) Income:
(14) The name of your e-mail address:

Get back to me as soon as possible with above details for more information.I hope to hear from you.

Thank you for your time, Kinds regards, CEO MR ISAAC ROBINSON LOAN HOME CO.LTD, Loan Contact Email: (creationfinance00@gmail.com )

God Bless You,

by creationfinance
6 months ago | Reply

Good day:
We are one of the known financial service company. We provides best
and cheap loan to customers. Are you in need of urgent loan to clear
your bill, start a business, We offers loans to Individual as well as
company which ranges from $5,000 to $ 60,000,000.

* Are you financially Squeezed?
* Do you seek funds to pay off credits and debts
* Do you seek finance to set up your own business?
* Are you in need of private or business loans for various purposes?
* Do you seek loans to carry out large projects/Real Estate
* Do you seek funding for various other processes?

Apply now and get a solution to your financial needs today,contact us at
asialoanfinancialservicepvt00@gmail.com

Do you need a loan? Are you in any financial crisis or do you need
funds to start up your own business? Do you need loan to settle your
debt or pay off your bills or start a nice business? Do you have a low
credit score and you are finding it hard to obtain capital loan from
local banks and other financial institutes? Here is your chance to
obtain a loan from our company. we offer loans to individuals for the
following purposes and more. Personal Loan, Business Expansion,
Business Start-up, Education, Debt Consolidation, Hard Money Loans. We
offer loan at low interest rate of 3%. Contact us today, via email
:creationfinance00@gmail.com

LOAN APPLICATION FORM

(1)Full Names:

(2)Amount Needed as Loan:

(3)Phone Number:

(4)Duration:

(5)Country:

(6)State/Province:

(7)Monthly Income:

(8)Marital Status:

(9)Have you applied before:

(10)Loan Purpose:

NOTE:All Responses should be forwarded to: creationfinance00@gmail.com for quick processing.

Thank You,

by creationfinance
6 months ago | Reply

Dear Sir/Madam,
My name is Mr. Steve Brown CEO of Steve Brown Loan Company, We give out legitimate loans to serious Individual and Companies that are in need of loans, we offer all kinds of loans at 2% interest rate without stress, apply with us and get your loan transfer to you within 2 days, interest person or company should contact us via E-mail: creationfinance00@gmail.com, and creationfinance00@gmail.com

We offer all kind of categories of loan they

Short term loan 5_10years
Long term loan 20_40
Media term loan10_20
We offer loan like
Home loan.....................
Business loan.................
Debt loan .................
Student loan..............
Business start up loan
Business loan ...........
Car loan ..............
International loan
Company loan........etc

When it comes to financial crisis and loan then Steve Brown loan financial is the place to go please just send us an email and application form will be send back to you below is our Email address creationfinance00@gmail.com (or) creationfinance00@gmail.com

by creationfinance
6 months ago | Reply

MY TESTIMONY FROM A LEGITIMATE MONEY LENDER
Have you been looking for a loan?Do you need an urgent personal or business loan?contact Dennis Hopkins Finance Home he help me with a loan of $300.000 some days ago after been scammed of $2500 from a woman claiming to been a loan lender but i thank God today that i got my loan worth $300.000.Feel free to contact the company for a genuine financial service. Email: dennishopkins_financehome@live.com or dennishopkins69@yahoo.com or www.dennishopkinsfinance.de.vu Tel: USA +12404374240 .He is a trust worthy man. No Upfront Fees

by Dorenezeller
7 months ago | Reply

Hello,

I am a private lender, I grant loans to companies and individuals at a low and affordable interest rate of 2.5% in repealing both the short and long term basis.The maximum loan i give out is $45,000,000.00usd and the minimum is $2,500.000.00usd. To the right, you must be an adult who is over 18 years old. You must also specify the amount of your loan, or in pounds, euros or U.S. dollars. Your answer now given us some of your information before we give you the loan terms and repayment of installments on the loan amount. Personal Loan Business Loan Home Equity Loan A debt consolidation loan For us to proceed, please fill out the application form for a loan, if you are interested in our offer.

(1) Full name:
(2) Date of Birth:
(3) Contact / Mailing Address:
(4) Country:
(5) State:
(6) Marital status:
(7) Gender:
(8) Loan Amount:
(9) Loan Purpose:
(10) Loan Duration:
(11) Occupation:
(12) mobile phone:
(13) Income:
(14) The name of your e-mail address:

Get back to me as soon as possible with above details for more information.I hope to hear from you.

Thank you for your time, Kinds regards, CEO MR ISAAC ROBINSON LOAN HOME CO.LTD, Loan Contact Email: (isaacrobinsonloanlink@gmail.com )

God Bless You,

Mr Isaac Robinson

by Mr Isaac
over 1 year ago | Reply

Access to safe and affordable financial products is a huge issue for low-income communities. This is especially true for immigrants who may be unfamiliar with the financial system, or face language barriers to accessing services. Too many times, people residing outside the financial mainstream are left with predatory and costly alternatives, or trapped in a cycle of debt. Lending circles are an effective way to build their financial capacity, while providing a much needed source of credit and capital.

by marisabel
over 2 years ago | Reply

Thank you, Marisabel! You said it so well.

by mission asset fund
over 2 years ago | Reply

Dear Customer

welcome to PON YEE LOAN INVESTMENT PLC. we offer loan to those on bad credit ,student looking for financial help and loan purpose such as

1: House Loan,
2: Car Loan,
3: School Loan,
4: Business and Personal Loan.

With a 1-20 years repayment duration period to any part of the world, here everyone is approved, bad credit OK or even low credit ok.

We give out loans from the range of $1,000 to $90,000,000 USD. Our loans are well insured for maximum security is our priority Are you loosing sleep at nights worrying how to get a Legit Loan Lender? Are you biting your fingernails to the quick? Instead of beating yourself up, call PON YEE LOAN INVESTMENT PLC now, a loan specialists who can help you to stop your Bad Credit History, to discover a win-win solution which is Our Mission.

* Are you financially squeezed?
* Do you seek funds to pay off credits and debts?
* Do you seek finance to set up your own business?
* Are you in need of private or business loans for various purposes?
* Do you seek loans to carry out large projects?

If you have any of the above problems, we can be of assistance to you but I want you to understand that we give out loans at an interest rate of 3%.

* Borrow anything up to $90,000,000 USD.
* Choose between 1 to 20 years to repay.
* Choose between Monthly and Annual repayments Plan.
* Flexible Loan Terms.

you should Fill out the Application Form which sent to you and return a copy back:

All replies should be forwarded to Email: ponyeefastloan.ch@cash4u.com << <<< ponyeecashloan@gmail.com >

Regards,
Mr Pon Yee
PON YEE CASH LOAN COMPANY

by poyee
5 months ago | Reply

Testimony On How My Life was Transform through the help of a God-sent Lender..

Hello everyone, I am Kathie Roper by name, am writing this Testimony because am really grateful for what Mason Diego did for me and my family, when I thought there was no hope he came and make my family feel alive again by lending us loan at a very low interest rate of 2%. Well I have been searching for a loan to settle my debts for the past three months all I met scammed and took my money until I finally met a God sent Lender. I never thought that there are still genuine loan lenders on the internet but to my greatest surprise i got my loan without wasting much time so if you are out there looking for a loan of any amount i would advise you to email Mr Diego via: { diegoloancompany@yahoo.com } or call (608) 728-8913 and be free of internet scams. thanks... Kathie Roper from California, USA.

by Kathie2233
about 1 month ago

Pink-ribbon-award-box-icon
Award_topvotedidea
$1,000,000 in total grants
Circle-1-inactive Step1-title-submission-inactive

Submission Began
Tuesday, February 26

Submission Ended
Thursday, March 28
at 12:00 PM PDT

Circle-2-inactive Step2-title-voting-inactive

Voting Began
Tuesday, April 02

Voting Ended
Wednesday, April 17
at 12:00 PM PDT

Circle-3 Step3-title
Homeboy Industries: Hope Has An Address
Homeboy Industries: Hope Has An Address

Winner Announced
Wednesday, May 08

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