Utah American Indian Housing Council Market Analysis Project

1. Utah American Indian Housing Council Market Analysis Project

2. We are pleased to announce the partnership between: Oweesta Utah Division of Housing and Community Development Utah Division of Indian Affairs Utah American Indian Housing Council 7 Utah Tribes American Express Center for Community Development And others Oweesta: Developing Native Assets :: Building Native Communities 2

3. William Guevara Oweesta Corporation Director of Institution Development Headquarters in Rapid City, South Dakota Work out of a California office Oweesta: Developing Native Assets :: Building Native Communities 3

4. Native CDFI National Intermediary Mohawk word for money or item of exchange Training, Capacity Building, Consulting Capitalization Research, Policy & Advocacy

5. Published Native American Lending Study in 2001 Native American Technical Assistance Grants (NACA) Funded Native CDFI Training and TA Program in 2003 Oweesta: Developing Native Assets :: Building Native Communities 5

6. What is a CDFI? Community Development Financial Institution Oweesta: Developing Native Assets :: Building Native Communities Define based on stories of how CDFIs got started and s\what they do CDFI is a term that is used loosely to mean nontraditional financing entity. In 1994, a federal program was initiated by the Clinton administration that established the CDFI Fund. This fund certified groups that have never had any funding. Define based on stories of how CDFIs got started and s\what they do CDFI is a term that is used loosely to mean nontraditional financing entity. In 1994, a federal program was initiated by the Clinton administration that established the CDFI Fund. This fund certified groups that have never had any funding.

7. Community Development Mission -Community Development Qualifying Target Market Investment area Low Income Targeted Populations Other Targeted Populations Typically lend for development of: Housing Business Community Services Individuals� Asset Building Oweesta: Developing Native Assets :: Building Native Communities 7

8. Financial Institution CDFIs are about financing � money is lent and paid back. Intended to be a lasting, dependable source of finance. Oweesta: Developing Native Assets :: Building Native Communities Q&A Name two of the ways that CDFI�s treat loans differently than banks do. [More lenient on risk to meet mission, provide development services and TA] Q&A Name two of the ways that CDFI�s treat loans differently than banks do. [More lenient on risk to meet mission, provide development services and TA]

9. What do CDFIs do? They bring in money from various sources and lend it in the community. Unlike welfare or grants, the money is paid back and CDFIs work to make sure their borrowers can be financially successful. Oweesta: Developing Native Assets :: Building Native Communities ^Unlike welfare or grant, the money is paid back. CDFIs work to make sure their borrowers can be financially successful. [add a case study or story of a �feel good� loan, show money being recycled, successes gain recognition, help bring in money.]^Unlike welfare or grant, the money is paid back. CDFIs work to make sure their borrowers can be financially successful. [add a case study or story of a �feel good� loan, show money being recycled, successes gain recognition, help bring in money.]

10. What is the Scope of the CDFI Industry? 842 Certified CDFIs as of May 2009 48 Certified NCDFIs Credit Unions/Associations 7 Loan Funds 34 Banks 6 Intermediary 1 Venture Capital 0 another 70+ emerging at various stages of growth! Oweesta: Developing Native Assets :: Building Native Communities 10 With increased support from the CDFI Fund, and work by Oweesta there has been growth of the number of Native based CDFIs.With increased support from the CDFI Fund, and work by Oweesta there has been growth of the number of Native based CDFIs.

11. National NCDFIs (certified and emerging)

12. Tremendous GrowthCDFI Industry?T

13. Conduct an in-depth market analysis to : Identify Tribal Needs Identify possible mechanisms to assist participating Utah Tribes with housing development Oweesta: Developing Native Assets :: Building Native Communities 13

15. Determine the appropriate structures(s) to deliver viable technical and financial resources for tribal housing Determine the quality of the market for financing in a market (tribal) area Assess the demand for a range of financial products and services in each market area Oweesta: Developing Native Assets :: Building Native Communities 15

16. Provide key findings and product recommendations for a potential CDFI in the overall Utah market area. Evaluate the development and financing of the vehicle(s) such as a CDFI to meet tribal needs. Include an analysis of tribal capacities and infrastructure needed for the vehicle to function effectively Oweesta: Developing Native Assets :: Building Native Communities 16

17. Identify key opinion leaders for onsite interviews Interviews with key opinion leaders Creation of a survey instrument Delivery of surveys Collect primary surveys and onsite interviews from a representative sample of potential reservation participants and borrowers as well as officials with existing housing and small business development programs serving the participating tribes. Oweesta: Developing Native Assets :: Building Native Communities 17

18. Conduct an environmental scan to assess existing sources and types of credit and financial services for each reservation Analyze data and generate report Census data and other (tribal) to determine basic demographics of each community Report generation with key products and service recommendations Provide a monthly report to UIHC Oweesta: Developing Native Assets :: Building Native Communities 18

19. Provide a one day state-wide report presentation Work session to assist UIHC members and the Utah Division of Indian Affairs to understand next steps Oweesta: Developing Native Assets :: Building Native Communities 19

20. Focus Group Native American Summit, September 2nd Surveys -Online Tribal Leaders (one survey per community) Community Members (same for each community but individualized) I NEED YOUR HELP TO DEVELOP Set up calls and site visits for each participating tribe CONTIGUOUS SITE VISITS Gather information/data from each participating tribe Oweesta: Developing Native Assets :: Building Native Communities 20

21. I need a contact person from each reservation/community Assist with surveys Assist with interviews Assist with information & data gathering Answer questions Review as necessary Oweesta: Developing Native Assets :: Building Native Communities 21

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