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New Impact Theme: Economic Inclusion

In response to client requests and trends in the impact investing space, the team at CCM is continually evaluating opportunities to find additional themes that can contribute to positive environmental and social outcomes while looking to delivering superior risk-adjusted returns. You may recall a previous blog post on how CCM’s themes align with the United Nation’s Sustainable Development Goals (SDGs). We are proud to announce we’ve expanded our theme offerings with a new addition: economic inclusion.

New Impact Theme: Economic InclusionCCM's-Impact-Themes-2018

Assisting and supporting the process of bringing targeted groups, individuals, and communities closer to the economic mainstream and capital markets. Financial literacy training, loans to first-time homebuyers, small business loans, rent-to-own housing programs, and “banking the unbanked” initiatives are all examples of economic inclusion opportunities.

Important Social Benefit

Economic mobility and access to capital are declining in many areas of U.S. society. Income inequality has reached historically high extremes.  While the two are often lumped together, a New York Times article, It’s Not the Inequality; It’s the Immobility, points out that income equality is about bridging the gap between the rich and the poor, while economic mobility is about elevating the poor as rapidly as possible1. At CCM, we think both are equally important and that investments that support economic inclusion can help bring more people and families to a point of entry to the financial markets that will lead to subsequent access to conventional resources. Community Development Financial Institutions (CDFIs) are often focused upon programs that work toward economic inclusion.

How You Can Support Economic Inclusion

  • If economic inclusion is an important value to you or your clients, comment below to request a case study that you can use in conversations on aligning investment dollars with values.

  

How Advisors Can Enhance Their Practices Through Impact/ESG Investing

 

1It's Not the Inequality; It's the Immobility

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 A full list of regulatory disclosures for Community Capital Management, Inc. are available by visiting: https://www.ccminvests.com/regulatory-disclosures/.