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首页> 外文期刊>Journal of urban affairs >ADAPTATION OR EXTINCTION? COMMUNITY DEVELOPMENT LOAN FUNDS AT A CROSSROADS
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ADAPTATION OR EXTINCTION? COMMUNITY DEVELOPMENT LOAN FUNDS AT A CROSSROADS

机译：适应还是绝种？交叉路口的社区发展贷款资金

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摘要

This article examines community development loan funds (CDLFs), a type of community development financial institution that provides financing and technical assistance for businesses; for-profit and nonprofit real estate and housing developers; nonprofit organizations looking for facility or operating capital; and low-income individuals looking for financing to purchase or rehabilitate their homes. Like many nonprofits and social enterprises, CDLFs have experienced a worsening political and economic environment since 2000, leaving many of them struggling to stay alive as the subsidized capital necessary to fund their operations largely has evaporated. The article reviews CDLF origins, structures, and current activities; discusses the field's historic sources of subsidized capital and why they have shrunk; reviews potential new sources of capital and the organizational ways that CDLFs are responding to their changed environment; and makes recommendations for CDLFs, funders, and policy makers. It is based on organizational-level data from annual surveys of CDLFs conducted by the CDFI Data Project and the Opportunity Finance Network; on two dozen interviews with CDLF, foundation and bank officers and staff and policy makers involved with the field; on documents from individual CDLF institutions; and on contemporary press accounts.
机译：本文研究社区发展贷款基金（CDLF），这是一种为企业提供融资和技术援助的社区发展金融机构；营利性和非营利性房地产及房屋开发商；寻找设施或运营资本的非营利组织；以及寻求融资来购买或修复房屋的低收入人士。像许多非营利组织和社会企业一样，自2000年以来，CDLF经历了不断恶化的政治和经济环境，由于为运营所需的大量补贴资金已经蒸发，使得许多CDLF难以生存。本文回顾了CDLF的起源，结构和当前活动；讨论了该领域补贴资金的历史来源以及它们为何缩减；审查潜在的新资金来源以及CDLF应对其变化的环境的组织方式；并为CDLF，资助者和决策者提供建议。它基于CDFI数据项目和机会融资网络对CDLF进行的年度调查得出的组织级数据；对CDLF，基金会和银行官员以及与该领域有关的员工和决策者进行了两打访谈；来自各个CDLF机构的文件；以及当代媒体报道。

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  • 来源
    《Journal of urban affairs》 |2008年第2期|191-220|共30页
  • 作者

    JULIA S. RUBIN;

  • 作者单位

    Edward J. Bloustein School of Planning and Public Policy, Rutgers, The State University of New Jersey, 33 Livingston Avenue, New Brunswick, NJ 08901;

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  • 正文语种 eng
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