Public banking goes to pot

54 million people in the United States, and 4.5 billion globally, have no credit to their name - making it nearly impossible for them to buy homes, apply for jobs and receive loans. Investors and lenders make an effort to help those with 'invisible credit' scores in financing essentials like homes or cars.

While critics argue that Naloxone isn't safe for over-the-counter use, some cities have found success distributing Naloxone to community members to help save lives of addicts who overdose. Naloxone can be administered to help those overdosing survive and jump-start the withdrawal process.

Poor people are less likely to make smart financial decisions; however, new research in the U.S. says this is not about intelligence but rather about a brain being overwhelmed with issues related to poverty. To combat that barrier of stress, organizations around the world are making financial decisions easier for people experiencing poverty by making borrowing easier and automating future financial planning, like 401(k) contributions.

Funding with too many strings attached makes it hard for non-profits to grow and be impactful. An American organization, Nonprofit Finance Fund (N.F.F.) Capital Partners division, is finding ways to finance non-profits likes companies and has already shown great success in pilot situations.

According to the Centers for Disease Control and Prevention, drug overdoses are the leading cause of injury-related mortality. Naxolone, a drug used to revive overdose victims, is only available by prescription. However, private organizations have distributed Naxolone kits nationally, showing that the drug can save lives when it is more readily accessible.

Adolescent smoking remains a challenging health problem because of the allure of cigarette branding. Australia is piloting the transformation of cigarette packaging with a generic look that reduces the appeal of smoking. In Florida, the Truth campaign has exposed that cigarette companies targeted teenage consumers and, in response, created a set of new advertisements that presented the cigarette industry with transparency.

Foreclosure affects millions of homeowners and millions more owe more on their mortgages than what their homes are worth, but Empowering and Strengthening Ohio’s People (ESOP), offers assistance. As a free service to borrowers, ESOP holds lenders accountable with fair lending agreements, creates constructive communication, and ultimately saves homes.

Kepler University in Rwanda reduces the cost of a university education by hiring teachers based on their willingness to innovate — not necessarily their expertise — and by blending online and in-classroom learning. Students receive the equivalent of a college diploma and job training in order to facilitate a possible rise out of poverty.

A panoply of responses to poverty has emerged to address poverty in the United States and abroad. The responses share in three key tactics: Measuring impact, paying for success, and collaboration.

Despite significant increases in funding and advances in biomedical research, the rates of new treatments and drugs for illnesses that reach the market every year have plummeted. A group called the Myelin Repair Foundation, along with several other foundations, uses an intensely goal-directed and collaborative method to tackle the bottleneck.