Innovative Changes staff (left to right): Emmy, Katie, Misha, Nancy, Jenna and Talia

"Overcoming poverty is not a gesture of charity.  It is an act of justice.  It is the protection of a fundamental human right, the right to dignity and a decent life.  While poverty persists, there is no true freedom." Nelson Mandela, July 2, 2005. 


Time and again Madiba showed us the way; to have concern for others, to forgive, to rebuild, and to tap into the human spirit's boundless stream of hope to move a nation.  We have a long way to go, but I have hope.  I get to see hope every day in the eyes of a client who has just met her personal savings goal, or a borrower who has successfully paid off her loan.  Our credit builders transform hope into assets like a home of their own and our savers in our matched savings program invest their hope in college tuition.  To all of our supporters, champions, partners and clients, we at Innovative Changes wish you and yours all the best for a hope-filled New Year full of dignity, justice and a decent life. 


Happy Holidays from all of us at Innovative Changes!


All the best,


Nancy Yuill

Upcoming Financial Education & Orientations
Our next Financial Household Resiliency workshops will go for 4 Tuesdays in a row starting:
Our next IDA Orientations will take place on:
- Friday, February 7th, 10-11am
- Thursday February 20th, 5:30-6:30pm
Register here.
Our next Credit Builder Loan Orientation will be held:
- January 8th, 5:30-6:30pm
Register here
Referring Partner Orientations
Interested in referring clients for our loans, financial education and individual coaching sessions? Want to learn more about our programs? Attend our Referring Partner Orientation webinar. The webinar orientation will take place on Thursday, January 16th from 10:30 am -11:30am. If you or your coworkers are interested in participating please register  here
Quick Stats: 
As of 12/16/13



Total disbursed:
# Repaid:
580, averaging $454.41


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About Us
We help low-income individuals and families, and those who otherwise lack adequate access to capital and/or financial services, manage short-term financial needs in order to achieve and maintain household stability.

You Can Help!

You care about helping people achieve and maintain household stability. Now you can join our efforts at Innovative Changes as we expand our reach to serve more clients. Your generous donation will be put to good use!


Whatever amount you can afford, you can set it up for monthly automatic payments to ease your cash flow. If you have bill pay service with your bank you can set up Innovative Changes to receive regular monthly payments. If you prefer, we can process a monthly ACH transaction on your behalf. Contact us at to set up your monthly giving program.
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