I'M GOING TO CALL THE
MEETING TO ORDER AND THE
FIRST ORDER OF BUSINESS IS;
LET'S DO THE MINUTES.
>> I'D BE GLAD TO MOVE THE
MINUTES; MR. CHAIR.
>> THANK YOU. ANY CHANGES
TO THE
MINUTES? SEEING NONE. ALL THOSE IN FAVOR.
MINUTES
HAVE BEEN PASSED. WE HAVE
ALL OF THOSE WILL BE LAID
OVER TODAY. WE'RE HEARING
(INAUDIBLE). EACH ONE
MAXIMUM OF ABOUT 20
MINUTES PER BILL. WITH THAT I WILL
ASK REPRESENTATIVE TO THE
TABLE AND I WILL MOVE HOUSE
FILE 620 FOR POSSIBLE
INCLUSION.
>> THANK YOU FOR THE HUNT
OPPORTUNITY TO
PRESENT TO TODAY. MD
I IS A NONPROFIT. ONE OF
THE
PRODUCTS THAT THEY PRODUCE
IS
MAIL POSTS USED -- APPROACH
WITH NEARLY HALF OF ALL
EMPLOYEES BEING PEOPLE WITH
DISABILITIES. THEY DESERVE
OUR SUPPORT SO THAT THEY CAN
OFFER THESE -- VALUABLE LIFE
SKILLS. THEY RECENTLY
OPENED A PACKAGING -- THEY HAVE
PLANTS IN MINNEAPOLIS. WITH
ME TODAY I HAVE PETER -- WHO
WILL TELL US MORE
ABOUT THIS BILL.
>> THANK YOU. THANK YOU;
CHAIR AND THE REST
OF THE COMMITTEE. WE'RE
HERE AS REPRESENTATIVE SAID; WE HAVE
HAD APPROPRIATIONS
TO SUPPORT MDI. WE'RE GOING TO TALK
ABOUT WHO THEY SERVE AND
WH
AT IMPACTS DO WE
HAVE WITH PEOPLE ON-- WITH
DISABILITIES. PEOPLE THAT
ARE NOT SERVED CURRENTLY BY
THE DEPARTMENT OF HEALTH AND
HUMAN SERVICES OR DRS.
AND HOW WE GOT TO THAT IS
THERE ARE
ABOUT 480;000 PEOPLE WORKING IN THE STATE
OF MINNESOTA WITH A
DISABILITY. ABOUT TEN
THOUSAND RECEIVE EMPLOYMENT
SERVICES. 17;000 RECEIVE
SERVICES FROM DTRS.
YOU TAKE THAT 480;000 AND
ABOUT 44 PERCENT; THESE ARE
NUMBERS OUT OF THE OLD
PLAN.
ABOUT 44 PERCENT. -- 56
PERCENT
ARE NOT EMPLOY
MENTED.
WE BELIEVE THAT THERE ARE
PEOPLE THAT HAVE
DISABILITIES
THAT HAVE GIVEN UP LOOKING
UP FOR WORK. SO WE BELIEVE
THERE ARE OVER ONE HUNDRED
THOUSAND. LOTS THAT COULD
WORK AND BENEFIT FROM
WORKING. THAT ARE NOT
CURRENTLY BEING SERVED. THE
STATE SPENDS ABOUT 2 POINT
$2.5 BILLION A YEAR ON
SERVICES FOR PEOPLE WITH
DISABILITIES. THAT INCLUDES
FEDERAL MONEY THAT PASSES
THROUGH. LESS THAN 15
MILLION ON UNEMPLOYMENT.
THEY ARE A BETTER CALL
QUALITY
OF LIFE.
IN STATE OF MINNESOTA WHERE
SOCIAL ENTERPRISE MODEL IS
EFFECTIVE AND COST
EFFICIENT.
MDI ALL EMPLOYEES ARE
PAID AT LEAST MINIMUM WAGE AND
BENEFITS. MDI IS ABOUT
WORKFORCE DEVELOPMENT. WE
TARGET 50/50. IT IS NOT A
SHELTERED WORKSHOP. WE HAVE
ABOUT 200 PEOPLE WITH
DISABILITIES THAT ARE
EMPLOYED THE OTHER 300
PEOPLE; WE'RE ALSO I SAY
WORKFORCE DEVELOPMENT. PEOPLE LEARN TO SHOW UP TO
WORK ON TIME;
RESPECT THEIR COWORKERS. OUR MISSION IS
TO
SERVE PEOPLE WITH
DISABILITIES. AGAIN; WE
HAVE
FOUR LOCATIONS. WE STARTED
IN THE TWIN CITIES OVER BY
SAINT PAUL.
THEY ARE ENTITLED TO THAT
WORK JUST LIKE EVERYBODY
ELSE. THERE IS A DIFFERENT
MIX OF PEOPLE WITH AND
WITHOUT DISABILITIES. WE'RE
ABOUT 40 PERCENT. WE'LL GET
BACK TO ABOUT 50 PERCENT
OVER
THE NEXT 6 TO 9 MONTHS. HOW
DO WE MAKE THIS WORK? WE
PRODUCE THE PRODUCTS. WE
DELIVERED OVER ABOUT 95
MILLION OF THOSE. MANY OF
YOU HAVE THEM
IN YOUR BASEMENT. THE
GOOD NEWS IS THAT THEY LAST FOR EVER; THE
BAD NEWS IS THAT THEY LAST
FOR EVER. WE HAVE A
CONTRACT FOR ABOUT 2.1 MILLION
BETWEEN
NOW AND THE END OF THEIR
FISCAL YEAR. WE SELL
ABOUT 7
MILLION OF THESE PRODUCTS TO
PEOPLE LIKE FEDEX.
WE'RE PENDING A NUMBER OF THE --
FROM AMAZON. WE DO ROLLS
AND
SHEETS OF PLASTIC.
THEY PROVIDE GOOD JOBS FOR
FOLKS. WE DID EXPAND INTO
--
BACK IN 2013. COMBINED WITH
-- BACK IN 2013.
NOW THEY'RE WORKING IN OUR
FACILITY; MUCH MORE
INTEGRATED PEOPLE WITH AND
WITHOUT DISABILITIES. WE WANT TO HAVE ROOM TO GROW.
AND WE BUILT A NEW
BUILDING IN (INAUDIBLE) LAST YEAR.
REPLACED THE OLD GREYHOUND
BUS TERMINAL. IT DOUBLED
THE
SIZE OF OUR WORK SPACE. WE
ALSO EXPANDED; ABOUT 49;000
SQUARE FEET. WE'RE
EXPANDING; ROOM TO GROW AND
BETTER WORKING POSITION. THERE IS A LITTLE BIT ABOUT
OUR FINANCIAL.
THE SOCIAL IMPACT; WE
HAD A STUDY ABOUT THE IMPACT ON
THE
COMMUNITY. AS I MENTIONED
EARLIER THE THEY ARE TO
BECOME TAXPAYERS. THE
RETURN
IS FOR EVERY DOLLAR. WE AIM
TO HAVE MATCHABLE BILL TEE.
>> GOOD MORNING. I'M THE
DIRECTOR OF EMPLOYMENT
SERVICES. I HAVE SPENT MY
ENTIRE CAREER SUPPORTING
PEOPLE WITH DISABILITIES. I
HAVE BEEN WITH MDI FOR JUST
UNDER FIVE YEARS. MDIS
MODEL MAKES SENSE.
MY TEAM OF 11 PEOPLE IS
PRIMARY REASON WHY THAT IS
SUCCESSFUL. WE CAN
SUPPORT OUR EMPLOYEES. ALSO OTHER
MEMBERS OF OUR EMPLOYMENT
TEAM. THAT MIGHT HAVE OTHER
BARRIERS TO EMPLOYMENT AND
WE
HELP THEM BE SUCCESSFUL.
OUR
SERVICES ARE BASIC THAT
HAPPEN IN OTHER ENVIRONMENTS
BUT WE DO IT DO CAPACITY.
THE SERVICES ARE INDIVIDUAL
LIED TO BE SUCCESSFUL.
HELPING EMPLOYEES STAY
ENGAGED IN THEIR WORK AND
MOTIVATED TO WORK TO THEIR
CAPABILITIES. ACCOMMODATIONS FOR INDIVIDUALS SUCH AS MORE
FREQUENT BREAKS FOR SOME
PEOPLE. MODIFIED
SCHEDULE AND USING A STOOL. ONE OF
THE MOST IMPORTANT THINGS
THAT WE DO AT MDI IS THE
DEVELOPMENT OF EMPLOYEES.
THIS INCLUDES WORKING AT
MDI. IT MAY MEAN MOVING -- TO
ANOTHER JOB OUTSIDE OF ONE
OF OUR PLANTS. MDI WILL ASSIST
ALL EMPLOYEES TO BUILD THEIR
SKILLS AND ADVANCE
TO WHATEVER THE JOB IS THAT
THEY'RE LOOKING FOR. IN
ADDITION TO THAT; MDI LOOKS
FOR OPPORTUNITIES TO PARTNER
AND COLLABORATE. IN 2018 WE
IMPACTED 52 ADDITIONAL
INDIVIDUALS IN OUR
COMMUNITY. THIS EFFORT STARTED IN
2018. IN 2021 WE HOPE TO
POSITIVELY IMPACT 200
INDIVIDUALS THESE ARE
INDIVIDUALS IN OUR
COMMUNITY.
WE PROVIDE PLACEMENT
SERVICES AND SUPPORT FOR
PEOPLE WHO WANT TO MOVE
PAST MDI. IT COULD BE THAT THEY
STARTED WITH MDI BUT WE
PROVIDE SOME SUPPORT FOR
THEM
TO BECOME SUCCESSFUL. WE
PROVIDE PLACEMENT THROUGH
THE DEPARTMENT OF HUMAN
SERVICES. IN 2017MDI ALSO
PROVIDED AN EFFORT FOR
INDIVIDUALS WITH IN OUR
ORGANIZATION TO HAVE A
DEVELOPMENT OPPORTUNITY TO
INCREASE THEIR PROFESSIONAL
SKILLS. WE THINK THAT
SHOULD BE A GIVEN FOR A LOT OF OUR
EMPLOYEES. I HAVE THREE
KIDS
WISH THAT THEY WOULD
HAVE STARTED OUT LEARNING SOME
OF THOSE SKILLS. THE --
PROVIDES OPPORTUNITIES TO
PEOPLE WHO MAY NEED A
LITTLE BIT OF WORK ON THOSE SOFT
SKILLS. WE HAVE HAD 12
INDIVIDUALS WHO HAVE TAKEN
THAT COURSE
WHO ALSO ADVANCED. IN ADDITION TO
THAT; ANOTHER
PARTNERSHIP THAT WE HAVE IS THE SUCCESS
AT WORK PROGRAM. THIS
PROGRAM IS AN EFFORT WHERE
WE
HAVE GIVEN TEN SCHOLAR SHIP
AS WAY TO INDIVIDUALS WHO
HAVE DISABILITIES. IT HAS
GIVEN THEM -- TO MAKE SURE
THEY GO ONTO WHATEVER THAT
COLLEGE EXPERIENCE WILL
BE FOR THEM.
>> IF YOU HAVE ANOTHER
TESTIFIER AND HAVE TIME FOR
QUESTIONS; I DON'T WANT TO
CUT OFF
YOUR OTHER TESTIFIER. >> I THINK YOU GUYS HAVE
HARD COPIES OF THIS.
DETAILS
ABOUT EACH ONE OF THESE.
WE'RE EXPANDING (INAUDIBLE)
IS WHAT WE'RE TALKING
ABOUT HERE. OUR GOAL IN THE NEXT
THREE YEARS IS TO
INCREASE OUR EMPLOYMENT BY 600.
>> THANK YOU. I WILL
INTRODUCE STEVE WHO WAS AN
EMPLOYEE AT
OUR MINNEAPOLIS PLANT.
>> MY NAME IS STEVEN. I
HAVE WORKED AT MDI FOR MORE
THAN 7 YEARS. SEVEN YEARS.
I
TAKE METRO MOBILITY TO WORK
WHICH AS YOU KNOW WILL
BE A CHALLENGE ESPECIALLY -- ON
MOST DAYS. MY JOB IS
IMPORTANT TO ME BECAUSE IT
GIVES US
PURPOSE AND MEANING.
BUT ALSO TO MY PERSONAL
LIFE
AS WELL. I LIKE
TO CONTRIBUTE
TO SOCIETY AND SHOW THAT WE
ALL HAVE VALUE. THAT DOES
NOT MEAN -- EVERYBODY. I
HAVE TRIED TO GET OTHER JOBS
OTHER PLACES. AS SOON AS
THEY FIND OUT THAT I HAVE A
DISABILITY; IT IS HARD FOR
ME TO HAVE A JOB. THANK YOU.
>> THAT CONCLUDES THE
TESTIFIERS? ARE
THERE ANY QUESTIONS? I HAVE BEEN ON
THIS COMMITTEE FOR A LONG
TIME. I REMEMBER A COUPLE
OF
MY COLLEAGUES AND THEIR
FIRST
TIME WORKING FOR MDI.
SEEING NO OTHER QUESTIONS. WE'RE
GOING TO LAY THIS OVER.
YOU ONLY HAVE TO START WITH
ME OVERRULED
>> GOOD MORNING. YOUR BILL
IS GOING TO BE LAID OVER
FOR POSSIBLE INCLUSION. I SEE THAT YOU HAVE A
COUPLE OF TESTIFIERS.
>> I USESED TO WORK AS A
MENTAL HEALTH COALITION.
AND THIS IS ONE OF THE REASONS
THAT I'M CARRYING
HOUSE FILE 605. STARTED WITH 1800
INDIVIDUALS EACH YEAR. THAT
LEADS TO CAREERS INDIVIDUALS
AND FAMILIES THAT FACE THE
LARGEST DISPARITIES.
THEY'RE
THE ONLY ORGANIZATION THAT
-- CHEMICAL AND MENTAL HEALTH.
94 PERCENT OF INDIVIDUALS
LIVE IN POVERTY. 60 PERCENT
ARE PEOPLE OF COLOR. 82
PERCENT RETAIN GOOD
EMPLOYMENT FOR MORE THAN SIX
MONTHS. HELPS ABOUT 3;000
PEOPLE MOVE OFF OF WELFARE
TO
WORK LAST YEAR.
PARTNERED
WITH BUSINESS PARTNERS.
THIS DIRECT APPROPRIATION TO
RETRAINING AND EMPLOYMENT
FOR
INDIVIDUALS THAT THEY'RE
SERVING. MENTAL HEALTH
PROGRAMS. BRINGING
EMPLOYMENT AND TRAINING WITH
CHEMICAL AND MENTAL HEALTH
(INAUDIBLE) BETTER AND
LONGER LASTING RESULTS. WE KNOW
THAT WE HAD A CRISIS AND
PEOPLE ARE MOSTLY ISOLATED
IN
STAY HOME OR STAY IN
TREATMENT. SO FINDING A
PROGRAM AND PUTTING THEM
TO WORK AND SUPPORTING THEM AND
GIVING THEM COACHING AND
SKILLS AND RETAIN ING THAT
EMPLOYMENT. WE HAVE
TESTIFIERS TODAY.
>> THANK YOU
FOR COMING TODAY.
>> THANK YOU FOR BEING THE
CHIEF AUTHOR OF OUR BILL.
THANK YOU FOR INVITING US TO
TESTIFY BEFORE YOUR
COMMITTEE
THIS MORN.
FOR THOSE OF YOU NOT
FAMILIAR; WE'RE A -- WE
SERVE 18;000 MINNESOTA
ANS EVERY YEAR.
WE'RE THE ONLY ORGANIZATION
THAT BRINGS TOGETHER
CHEMICAL
AND MENTAL HEALTH.
APPROXIMATELY 5;000 PEOPLE
GO
TO WORK EVERY SINGLE
YEAR. WE'RE SERVING INDIVIDUALS
THAT EXPERIENCE
MULTIPLE SYSTEMIC BARRIERS TO
EDUCATION; EMPLOYMENT AND
WELL BEING. INDIVIDUALS
THAT
WE SERVE EXPERIENCE
HOMELESSNESS;
JOB LESS NECESSARY. TRAUMA A;
ILLNESS; DISABILITIES AND
OTHER BARRIERS. I GET THE
OPPORTUNITY TO SPEAK WITH
PEOPLE THAT WE
SERVE. HUNDREDS OF PEOPLE EVERY DAY
CHOOSING TO START A
DIFFERENT
PATH. A PATH TOWARDS
RECOVERY.
WHATEVER SUCCESS MIGHT MEAN TO THEM. MANY
TIMES IT IS GOING BACK TO
SCHOOL -- HAVE EVEN GREATER
IMPACT WITH INDIVIDUALS THAT
WE WOULD NOT HAVE BEEN
ABLE TO SERVE WITHOUT THE SUPPORT
THAT WE RECEIVE THROUGH
DIRECTION APPROPRIATIONS. WE CAME TO THE LEGISLATIVE
BECAUSE WE WEREN'T ABLE TO
BE SUCCESSFUL IN THE CONNECTION
THAT WE'RE TALKING
ABOUT. THAT CONNECTION; KIND OF THE
RIGHT SERVICES AT THE RIGHT
TIME. TRAIN AND GO
EMPLOYMENT IS AN IMPORTANT
PART OF A RECOVERY JOURNEY.
WHAT WEIGH WANT TO DO AND
NEED TO DO IS PROVIDE THE
INTENSIVE TREATMENT;
LONG-TERM SUPPORT TO
HELP PEOPLE BE SUCCESSFUL IN THE
WORKFORCE. WE ARE SERVING
PEOPLE WHO WANT TO WORK.
WITH THIS FUNDING WE ARE
CREATING THAT PATHWAY AND
HELPING ALL INDIVIDUALS.
LAST YEAR; 5;600 PEOPLE WENT
TO WORK. WE AWARDED THROUGH
OUR LICENSE SECONDARY
SCHOOL -- INDIVIDUALS CAN CONTINUE TO FURTHER THEIR EDUCATION
AND TRAINING. 65 PERCENT
COMPLETED OUR SUBSTANCE
ABUSE
AND INTEGRATED TREATMENT
PROGRAM. 89 PERCENT ENTERED
CAREER EDUCATION
COMPLETED THAT TRAINING. OVER THE
LAST
TWO YEARS OF FUNDING AND THE
NEAR FULL EMPLOYMENT WE ARE
SERVING INDIVIDUALS THAT
HAVE
EVEN GREATER BARER --
BARRIERS. SINCE THE
ORIGINAL
-- THREE NEW WHAT WE'RE
CALLING FIRST STEPS
EMPLOYMENT PROGRAMS FOR
INDIVIDUALS TO EXPERIENCE
SUCCESS AND TRAINING;
SUCCESS
AND GET CONNECT TODAY MORE
CAREER PATHWAYS TRAINING.
WE
HAVE ALSO -- CHEMICAL
TREATMENT PROGRAMMING
INTRODUCING EMPLOYMENT
EARLIER IN TREATMENTS. THE
OUTCOME AND IMPACT IS BEST
DESCRIBED BY INDIVIDUALS IN
OUR PROGRAM. UNLESS THERE
ARE SPECIFIC QUESTIONS RIGHT
NOW. I WOULD ASK THAT THE
FLOOR BE TURNED OVER TO
(INAUDIBLE).
>> THANK YOU FOR COMING
TODAY. PLEA
SE IDENTIFY YOURSELF.
>> MY NAME IS -- MAY. I
HAVE BEEN GOING TO SCHOOL --
SO I HAVE BEEN SUCCESSF
UL BECAUSE -- TRAINING HAS BEEN
-- I WORK FOR (INAUDIBLE).
THEY CHANGE MY LIFE. THEY
ARE REALLY GOOD PEOPLE.
THEY'RE NOT EVEN (INAUDIBLE)
THEY ARE LIKE FAMILY. MY
LIFE HAS CHARGED SINCE I
GRADUATED. I HAVE A GOOD
JOB AND A GOOD START. I'M
GRATEFUL. I WISH I KNEW IT
A
LONG TIME AGO. THEY CHANGED
MY LIFE TO BE --
>> THANK YOU FOR YOUR
TESTIMONY. WE'RE GLAD THAT
YOUR LIFE
IS PROGRESSING IN THE FASHION THAT YOU WANT IT
TO. UNLESS YOU HAVE
ANY FURTHER COMMENTS?
>> THANK YOU. I'LL NOTE
THAT -- WORKS NIGHTS AND
THAT'S WHY SHE WAS ABLE TO
TESTIFY WITH ME.
>> PEOPLE COME HERE AND ARE
NERVOUS BECAUSE I'M JUST A
RETIRED PIPE FITTER. WE'RE
NO DIFFERENT THAN
YOU. ANYMORE COMMENTS?
>> I JUST WANTED TO REMIND
EVERY ONE THAT THIS BILL
IN -- HAD A (INAUDIBLE) OF
SUPPORT. WE'RE ASKING ONE
HUNDRED THOUSAND MORE THAN
WHAT WE GOT
LAST YEAR. I HOPE THAT YOU CAN SUPPORT
THIS. THIS IS IMPORTANT
WORK. I BELIEVE IN THIS
WORK. PEOPLE WHO STRUGGLE
WITH MENTAL HEALTH AND
CHEMICAL HEALTH SHOULD BE
INCLUDED IN OUR
SOCIETY. THANK YOU.
>> ARE THERE ANY OTHER
QUESTIONS OR COMMENTS?
>> THANK YOU. CAN YOU
SHARE WITH US WHO SOME OF OUR
LARGEST EMPLOY
ER PARTNERS ARE?
>> I HAVE ONE TESTIFYING
WITH ME IN THE SENATE
TOMORROW. WE PARTNER WITH
ANY OF THE LARGE LOCAL
EMPLOYERS THAT YOU
KNOW. EIGHT PATHWAYS.
WE HAVE A HEALTH CARE;
INFORMATION TECHNOLOGY THAT
WE PARTNER WITH. WE HAVE A
COMPUTER APPLICATION
TRAINING PROGRAM. WE PARTNER WITH WE
WILLS FAR GO.
>> SEEING NO
FURTHER QUESTIONS. I WILL -- DID
YOU
MAKE A MOTION FOR POSSIBLE
INCLUSION? WOULD YOU LIKE
TO
REPEAT IT? MR. CHAIR; I
MOVE
HOUSE FILE 6 #005 LAY OVER
FOR POSSIBLE INCLUSION.
>> IF ANYONE WOULD LIKE A
COPY; WE CAN GET YOU ONE.
WE
HAVE THEM NOW.
>> GOOD MORNING. WOULD YOU
CARE TO MOVE YOUR HOUSE FI
LE 580. >> YES; I WOULD LIKE
TO MOVE IT. >> WHY DON'T
YOU PROCEED. AND THEN WE'LL GO
TO YOUR TESTIFIER.
>> GOOD MORNING.
ELEMENTS OF (INAUDIBLE) IN
OUR SOCIETY I HAVE SEEN HOW
THESE CAN LEAD TO STRUGGLES.
WITH THAT AN IN BILL TEE TO
-- STRUGGLING FAMILIES.
THESE PROBLEMS -- WE CAN
MUST
DO BETTER. PLACES
LIKE CHECK CASHERS; PAWN SHOPS --
FILL THE GAPS AND WORK ALONGSIDE
PEOPLE.
COMMUNITY PARTNERS ARE
LEADING AND
PARTNERSHIP; FINANCIAL INCLUSION;
PROVIDING ACCESS TO FINAL
NCIAL TOOLS. WE
HAVE TWO TESTIFIERS.
OUR COMMUNITY ORGANIZATION
[!EZ SPEAKER 02]: I
>> A BILL TO SUPPORT FAIR
A FINANCIAL SOLUTION FOR --
TOO MUCH OF THEIR TIME AND MONEY
OPEN RATING IN A FINANCIAL
WORLD NOT WELL DESIGNED.
AND
ALONG WITH THE MEMBERS WHO
ARE SIGNED ALONG.
A FAMILY WITHOUT A BANK AN
COUNT CAN SPEND ANYWHERE
BETWEEN 12 HUNDRED AND
$122;400 A YEAR SIMILE ON
THEIR FINANCIAL
TRANSACTIONS. MONEY THAT COULD BE TURNED
BACK AROUND INTO THE
POCKETS OF INDIVIDUALS.
SO THERE IS A BUNDLED SET
OF FINANCIAL PRODUCTS THAT TO THE WE CALL THE FAIR
FINANCIAL SO
LUTION. THEY'RE DESIGNED TO WORK WITH
PEOPLES
FINANCIAL REALITIES NOT AGAINST THEM. THERE IS NO
MINIMUM BALANCE REQUIREMENT;
NO OVER DRAFT. HOUR; WE'RE
GOING BEYOND JUST DESIGNING
PRODUCTS.
TOGETHER WE'RE PROVING THAT
YOU CAN DO WELL WHILE DOING
GOOD. WE'RE REMOVING
THOSE BARRIERS. BY TAKING A
COMMUNITY BASED APPROACH I
N DELIVERY.
THESE FAIR FACILITY ERY -- CURRENTLY
-- AND IN THE WORDS OF
ONE OF OUR PARTNERS; WHICH RUNS 70
CHILD CARE CENTERS. OUR
EMPLOYEES ARE KEY TO OUR
SUCCESS.
WE ARE PROUD TO BE
COLLABORATE ULD LAB SO THERE
IS EARLY PROMISING RESULTS.
WORRYING LESS ABOUT
THEIR FINANCIAL SECURITY. TO A
GREATER SENSE OF CONTROL IN
THE DAY-TO-DAY FINANCE.
WITH
YOUR SUPPORT WE WILL EXPAND
ACCESS. DEVELOP AND PROMOTE
MARKETING CAMPAIGNS. OUR
GOAL IS TO INCREASE -- AND
OVERALL
FINANCIAL WELL BEING.
WE FEEL THAT THE FAIR MODEL
HAS THE POTENTIAL TO REDUCE
THE
FINANCIAL INCLUSION. THANK YOU AGAIN FOR THIS
OPPORTUNITY TO TESTIFY IN
FRONT OF YOU TODAY ABOUT
THE FAIR INITIATIVE.
>> THANK YOU.
>> GOOD MORNING. I'M A
SMALL BUSINESS OWNER. I'M A
TEACHER BY TRADE I HAVE
WORKED IN THE FIELD OF --
INCLUDING EDUCATION BOTH
PUBLIC AND
PRIVATE. BEFORE I LEARNED ABOUT FAIR I
LEARNED ABOUT PAM (INAUDIBLE.)
RATHER
THAN LOOK FOR WORK WAS ABLE
TO -- PRIME PROGRAM. FOCUS
ON BUILDING A BUSINESS AS
OPPOSED TO FINDING A
JOB. THROUGH THAT PROGRAM --
BUILDING THAT 3 TO 6 MONTHS
SAVINGS THAT WE'RE SUPPOSE
TODAY HAVE. BUT THE CREDIT
SCORE WAS CRITICAL TO ME.
SHE RECOMMENDED PREPARE AND
PROSPER TO ME. I WAS ABLE
TO WORK WITH A FINANCIAL COACH
TO REACH MY GOALS. I
LEARNED ABOUT THE FAIR PROGRAM
THROUGH HIM AND I'M USING
THE
CREDIT BUILDER PACKAGE.
CREDIT SCORES CAN BE
CONFUSING. USING MY BANG
ISSUED CREDIT CARD; SO WE
WOULD DO A -- IT WOULD
SHOW ONE NUMBER SHOWING AN
INCREASE THEN WHEN I WOULD
TRY TO USE THAT -- THE RATE
THAT THE INSTITUTION WOULD
PULL WOULD BE LOWER. SO WE
DECIDED THAT THE FAIR
PROGRAM
WOULD BE A GREAT ADDITION.
AND THEN THE ADDED BONUS.
BECAUSE OF OUR CONVERSATIONS
THAT MY CASE
MANAGER AND I HAD
; FINANCIAL IMPACT I'M ALSO
ABOUT TO PAY OFF THE DOWN
PAYMENT ASSISTANT MORTGAGE.
I'LL BE ABLE TO REFINANCE
MY; I'M THANKFUL TO FAIR AND
PREPARE AND PROSPER.
THESE OPPORTUNITIES ARE LIFE
CHANGING. IT IS
ALREADY HAVING AN MEET IMPACT. SO
THANK YOU FOR THE
OPPORTUNITY
FOR ALLOWING ME TO SHARE MY
STORY WITH YOU. I
APPRECIATE YOU WHAT HAVE CONTINUE TODAY
DO WITH THE COMMUNITY. AS
MIDDLECLASSES BEGIN -- PASS
ON GENERATION ALOE OVERRULED
AND NOT GENERATIONAL DEBT.
>> THANK YOU. DO YOU HAVE
ANY FURTHER TESTIFIERS?
ANY QUESTIONS? I HAVE ONE. AS
I READ THE BILL; YOU ARE
CURRENTLY IN THE BASE AT 8
HUNDRED $800;000 BIANNUAL.
IS THIS AN ADDITION ALAL?
>> NO; THIS IS 800.
>> THANK YOU. SEEING NO
OTHER COMMENTS. WILL YOU
RENEW YOUR MOTION?
>> I WILL RENEW MY MOTION
TO
HAVE HOUSE FILE 580 BE LAID
OVER FOR POSSIBLE
INCLUSION. >> THANK YOU. GOOD LUCK IN
THE FUTURE. BE CAREFUL WHEN
THAT YOUNG MAN BECOMES
REALLY
SMART AND A TEENAGER.
>> GOOD MORNING. MR. CHAIR
AND MEMBERS; I WOULD LIKE TO
MOVE HOUSE FILE 463
FOR POSSIBLE INCLUSION.
>> GOOD. WE HAVE A FEW
COMMENTS BEFORE WE TURN IT
OVER TO YOUR WITNESSES?
>> I'M REALLY EXCITED TO BE
-- AND TO HAVE THE
OPPORTUNITY TO SHARE MORE
ABOUT THE WORK ABOUT THE
ECONOMIC SOLUTION DOES. I'M
GOING TO CALL IT
AEDS. LOOKING AT THE
LOW INCOME COMMUNITY. NEW IMMIGRANTS
AND REF GEES HAVE TROUBLE --
WHAT THEY DO IS ASSIST IN
TURNING THEIR IDEAS INTO --
PROVIDE TECHNICAL ASSISTANCE
TO HELP THEIR BUSINESSES
THRIVE. MAKE MICRO LOANS
AND (INAUDIBLE) LOANS. I JUST
WANT TODAY -- WANTED TO
REFERENCE. THIS
IS A REFERENCE TO 2015 RESEARCH.
WHAT THEY ARE DOING IS
WORKING TO
BREAK THE ECONOMIC BARRIERS IN THE COMMUNITY.
SO I HAVE A
COUPLE OF TESTIFIERS HERE THAT I WOULD
LIKE TO (INAUDIBLE). SHARE
THEIR TESTIMONY.
>> THANK YOU.
>> GOOD MORNING. WE ARE
A NONPROFIT ORGANIZATION. IN
FRONT OF YOU; YOU HAVE
-- THIS IS THE (INAUDIBLE)
SO WE HAVE DONE THAT
RESEARCH
TO SEE THE MARKET
POTENTIAL. THAT FINDING IS WHY WE'RE
HERE. THE FINDING IS THE
NUMBER -- IT SHOW THAT'S
NEARLY 67 PERCENT HAVE LACK
OF ACCESS TO RESOURCES.
WHAT
THAT REALLY MEANS THAT; THEY
DIGGING INTO CREDIT AND NOW
THEY CANNOT (INAUDIBLE) SO
THAT IS REALLY WHAT THAT
SHOWS. LACK OF ACCESS TO
RESOURCES. THE GAP WILL
PERSIST FOR GENERATIONS TO
COME. TO BREAK THAT
BARRIER;
HOW TO -- WE DO TRADING.
MICRO LENDING.
LENDINGMENT FINANCIAL EDUCATION: SO JUST
LAST YEAR WE SERVED ABOUT
267 CLIENTS. AND WITHOUT A
SMALL
LENDING CAPACITY WE HAVE WE
PROVIDED $233;000. AND --
WHAT THAT MEANS IS WE
(INAUDIBLE) SERVE REALLY
TECHNICAL APPLICATION AND
THOSE WHO
DON'T HAVE APPEALING CREDIT
TO ACCESS RESOURCES. WE ARE NOW
(INAUDIBLE) SO WE GET -- NOW
WE ARE LENDING INDUSTRY.
WITH ME I HAVE (INAUDIBLE)
WHO IS THE OWNER OF THE --
>> TWIN CITY MOBILITIES
STARTED WITH ONE VAN. NOW
WE
HAVE 20. WE PROVIDE PROMPT
AND AFFORDABLE
TRANSPORTATION
SERVICE FOR
SCHOOLS; HOSPITAL; NURSING HOMES.
ADULT AND CHILDREN WHO NEED
TRANSPORTATION FROM
HOSPITALS; CLINICS AND OTHER
FACILITIES. I WENT TO
BUSINESS TRAINING SERVICE.
FOR MANY YEARS I WAS UNABLE
TO EXPAND THE BUSINESS. I
WORK MONDAY THROUGH FRIDAY.
IN ADDITION I WORK
(INAUDIBLE) DURING
THE WEEKENDS. I TRIED TO GET A
LOAN FROM MY BANK AND IT WAS
UNSUCCESSFUL. BY BUSINESS
WAS BARELY SURVIVING.
SUPPORTING -- SMALL
BUSINESS LIKE ME FOR ACCESS
(INAUDIBLE) AND REQUEST YOUR
SUPPORT. THANK YOU FOR
LISTENING. THANK YOU FOR
THIS OPPORTUNITY.
>> GOOD MORNING I'M AN
IMMIGRANT. I WORKED
WHERE WELL SES FARGO.
AS AN ACCOUNTANT. APPLY FOR
A LOAN AND -- AND I COULDN'T
GET THE LOAN
BECAUSE (INAUDIBLE) AND SO I
HAVE ONE
INCOME. I WAS WORKING AND
THEN DOING PART-TIME. BUT
IN
THE BUSINESS INCREASE. AND
I
NEED AN EXTENSION. SO I
TRIED TO GET ANOTHER LOAN.
BUT THEN I DIDN'T HAVE THE
MONEY TO -- SO I CONTACTED
AND WAS ABLE TO
BUY MY EQUIPMENT. I HAVE THE
KITCHEN ATTACHED TO IT SO
PEOPLE WHO DON'T WANT TO
COOK
CAN BUY ALREADY MADE FOOD.
JUST EXCITING TO KNOW THAT
THE -- WAS NOT MUCH OF A
RACE.
SO I JUST WANT TO THANK --
FOR LOANING ME THE FUNDS TO
GET THE EQUIPMENT TO
(INAUDIBLE). I SEE THAT
GRAZERY IS BEING SOLD BUT
THE TEACHING IS GOING TO
WELL BUT
PEOPLE -- I'M LOOKING
FORWARD
TO EXTEND SO THAT
PEOPLE DON'T HAVE TO DRIVE ALL THE
WAY -- TO GET FOOD.
I JUST WANT TO THANK YOU
FOR THE OPPORTUNITY.
>> ARE THERE ANY QUESTIONS
FOR THE TESTIFIER? WHERE
IS YOUR MARKET? GOOD MORNING.
>> I LEAD A NONPROFIT
ORGANIZATION. WE SERVE
WOMEN
AND THEIR FAMILIES. MOST OF
THEM ARE IMMIGRANTS. THE
WORK THAT WE DO IS THROUGH
PUBLIC HEALTH. SO ONE OF
THE
CHALLENGES THAT FAMILIES --
IS LITERACY.
SO WHEN THEY TRY TO FIND
LOANS; MOST OF THE FAMILIES
-- THEY DENT HAVE CREDIT.
THE LACK OF CREDIT. AND THE
LACK OF LOANS THAT --
STRUGGLE WITH.
WE HAVE FEDERAL GRANTS;
ORGANIZATIONS THAT
WE'RE PARTNERED WITH.
TEACHING OUR FAMILIES ABOUT
(INAUDIBLE). BUT GETTING A
LOAN IS REALLY HARD. SO I
ASK YOU -- WHETHER YOUR
A NEW
IMMIGRANT OR YOU HAVE BEEN
HERE; WE WANT TO SEE PEOPLE
OUT OF POVERTY.
ISN'T THAT THANK
>> THANK YOU
FOR YOUR TESTIMONY. GOOD MORNING;
SIR.
>> LET ME GIVE ME A BRIEF
INTRODUCTION OF MY SELF.
AFTER COMPLETING MY STUDIES
THERE I FLED TO
WEST GERMAN --
SINCE THEN I THINK I
(INAUDIBLE) BECAUSE OF WHAT
THE UNITED STATES PROVIDES
FOR THOSE WHO WORK HARD.
OVER THE YEARS I (INAUDIBLE)
ASSESSMENT OF PHARMACEUTICAL
DRUGS. AFTER WORKING FOR SO
MANY YEARS IN 2012 I
WAS LAID
OFF. BECAUSE OF THE
SITUATION AT THE TIME. BUT
I WELCOME THAT
SITUATION BECAUSE MY WIFE WAS A NURSE
FOR MANY YEARS WANT TODAY
START OUR OWN BUSINESS. AND
WHEN WE STARTED THE BUSINESS
IN 2012 THERE WAS -- WE
DIDN'T HAVE ANY ACCESS TO
LOANS. THE BANK WASN'T
WILLING TO GIVE US A LOAN.
I
HAD TO GO TO MY 401K AND
WITHDRAWAL EVERYTHING THAT I
HAD WITH PENALTY. WE ARE
GLAD THAT WE ARE WERE
ABLE TO DO THAT BUT THERE ARE MANY
INDIVIDUALS
WHO DON'T HAVE THAT. SINCE WE STARTED THE
BUSINESS -- THEY STARTED OUR
-- IN 2008 I WATCHED IT
GROW. WHEN WE STARTED IN 2012 OUR
BUSINESS OF COURSE
(INAUDIBLE) LOAN BUT WE'RE
PRIVILEGED TO BE COACHED BY
THEM. GETTING TECHNICAL
ASSISTANCE. FOR MANY YEARS
I
THOUGHT THAT I GOT
EVERYTHING THAT IT TAKES TO RUN A
BUSINESS. I WAS PRIVILEGED
TO HAVE (INAUDIBLE) ON OUR
SIDE. THEY SUPPORTED US
WITH MARKETING MATERIALS.
PROVIDING US WITH -- I VALUE
THEIR SERVICE TO AFRICAN
IMMIGRANTS WHO ARE NOT ONLY
TRYING TO MAKE A DIFFERENCE
IN THEIR LIVES -- PRODUCTIVE
MEMBER OF SOCIETY. AND
TODAY
BECAUSE OF (INAUDIBLE) WE
SERVE; WE PROHOME HEALTH CARE
. THIS IS ALL ACROSS THE
BOARD; SOME OF THEM
IMMIGRANTS. SOME OF THEM
ARE
US BORN INDIVIDUALS. I'M
VERY PROUD TO INFORM YOU
THAT
WE WERE ABLE TO PROVIDE
EMPLOYMENT TO OVER 70
INDIVIDUALS ABOUT 60 PERCENT OF THEM ARE IMMIGRANTS AND
US BORN. THE IMMIGRANTS HERE
ARE LOOKING FOR
OPPORTUNITIES. ONE; TO
BETTER THEMSELVES; AND
SECONDLY TO PROVIDE TO THE
COMMUNITY THAT WELCOMES THEM
AND PROVIDE THEM A HOME. SO
TODAY SOMEONE WHO IS
TESTIFYING ON BE HALF OF
ECONOMIC SOLUTIONS; I COME
HERE AS AN OWNER OF A
BUSINESS AND I ALSO SIT ON
THEIR BOARD. I'M A MEMBER
OF THEIR BOARD. I SEE THE
CHALLENGES THAT THEY GO
THROUGH. AND THE MANY
THINGS
THAT THEY PROVIDE. I ALSO
WAS A MEMBER OF THEIR
(INAUDIBLE) COULD POLITICAL
EVERY. I HAVE SEEN MANY
APPLICATIONS COMING THROUGH.
BUSINESSES THAT IMMIGRANTS ENVISION TO START. IN
SOME CASES THEY WERE ABLE TO
SUPPORT FINANCIALLY AND IN
SOME CASES BECAUSE OF LACK
OF
FUNDS; THEY HAVE TO PUT
THEIR
APPLICATION ON A -- AND I
THINK INVESTING IN THIS --
IS
VERY PRODUCTIVE AND THE ONE
POSITIVE
THING BECAUSE UNDERSTAND THEY COME
OUT OF THIS -- HOW THEY
PROVIDE THESE SERVICES. AND AS I
CLOSE I -- THEY HAVE COME A
LONG WAYS. I HOPE THAT YOU
WOULD SECURE THIS FUND.
THEREFORE CHANGE THE LIVES
OF MANY IMMIGRANTS.
>> THANK YOU. I APPRECIATE
THE DIVERSITY OF
BUSINESSES THAT HAVE BEEN HELPED
BY YOUR ORGANIZATION. I WAS
WONDERING IF YOU HAVE ANY --
HOW MANY MORE LOANS THAT YOU
CAN GRANT WITH THIS. AND
THEN IF THERE WAS ANY
INFORMATION ABOUT
THE AVERAGE SIZE OF THE LOAN. ARE THERE
ANY
HOW -- SO BASED ON THIS
; WE PROVIDE $25;000 MICRO LOAN.
THE BUSINESS THAT WE SUPPORT
TO GROW THEY DON'T NEED
$25;000 ONLY BECAUSE FOR A
GROWING BUSINESS (INAUDIBLE).
SO WE CAN INVEST UP TO
(INAUDIBLE) WE DECIDED TO UP
TO ONE
HUNDRED THOUSAND DOLLARS. WE HOPE TO -- WHEN
WE (INAUDIBLE) 4 POINT $4.3
MILLION. THE NUMBER IS
RELATIVELY
HARD TO SAY BECAUSE
-- 1500 LOANS.
>> ARE THERE ANY OTHER
QUESTIONS? THANK YOU.
>> THIS MAY BE TO THE
AUTHOR
OR THE CHAIR. JUST
WONDERING
IF WE HAVE A HISTORY OF
THESE REVOLVING LOAN FUNDS.
>> WE HAVE SUPPORTED
ORGANIZATIONS THAT HAVE
REVOLVING LOANS; YES.
>> AS WE'RE CONSIDERING SO
MANY DIFFERENT PROPOSALS
RELATED TO TRAINING OR LOAN
FUNDS LIKE THIS CAN WE GET
CURRENT INFORMATION FROM ALL
OF THE DIFFERENT GRANT FUNDS
IN THIS CATEGORY IN THE PA
ST OR CURRENT FUNDING SO THAT
WE HAVE SOME COMPARISON?
>> WE CAN TRY. I
DON'T KNOW
IF IT WOULD BE AVAILABLE BY
THE TIME THAT WE'RE
MAKING HARD DECISIONS.
WHY DON'T WE MEET OFFLINE
HERE AND
GET A CLEAR UNDERSTANDING.
>> THANK YOU.
>> I WANT TO THANK THE
AUTHOR AND THE -- I KNOW HOW
HARD IT IS FOR
AFRICAN BUSINESS OWNERS OR
IMMIGRANTS
IN GENERAL TO GET LOANS.
DOESN'T MATTER HOW GOOD
YOUR CREDIT IS. IF YOU DENT
DON'T
HAVE A CREDIT HISTORY --
GOOD LUCK. SO I WANT TO THANK
YOU FOR BRINGING THIS PROPOSAL
FORWARD.
>> THANK YOU. I WAS
CURIOUS
ABOUT WHAT THE
DEFAULT RATES ARE. ONLINE 1 POINT 14.
.14. MAYBE SOMEBODY KNOWS THAT
--
LOAN PACKING AND COMMUNITY
DEVELOPMENT SERVICES.
I'M NOT SURE WHAT
THAT REFERS TO.
>> OUR PROGRAM IS BUSINESS
DEVELOPMENT TRAINING
PROGRAM.
A 12-WEEK PROGRAM THAT
HELPS ASPIRING -- IN BUSINESS TO
HELP THEM UNDE
RSTAND HOW TO AND -- PACKAGING TO I'
M WONDERING NOW MY SELF GET --
IS IT LOAN PACKAGING?
>> PACKAGING.
>> I'M FAMILIAR WITH THE
UNDERWRITING PROCESS AND
SHIPPING THE LOANS OFF TO
SERVICING. MAYBE THAT
IS A TYPO. WHAT IS THE CURRENT
PORTFOLIO LOANS THAT
THE ORGANIZATION RUNS?
WE MET I
N 2018; 23;000 LOANS. AND --
WE HAVE (INAUDIBLE) LOAN
THAT WE HAVE; WE DID THAT FROM --
OTHER LOAN IS FROM CITY
(INAUDIBLE). AND BACK TO
WORK ONLY FOR THE BUILDING.
THE OTHER IS
THAT WE HAVE (INAUDIBLE). AND THEN WE
REQUESTED FOR MORE. WE LEND
IT AND THEN THIS YEAR THEY
GIVE US $90;000.
WE GOT
LOANS FROM (INAUDIBLE). AND THAT IT
WAS 5 HUNDRED THOUSAND DOLLARS.
$500;000. IN5 $500;000 --
THANK YOU. I'M NOT SURE
THAT THE ANSWER WAS VERY CLEAR TO
ME WHETHER THOSE WERE LOANS
THAT DEVEL
OPMENT SOLUTIONS HAS
. BUT EXISTING LOAN
TO SEE CLIENTS. SO WHATEVER THOSE
QUESTIONS WE CAN GET A
PACKET TOGETHER AND GET IT OUT
TO ALL THE MEMBERS.
>> I THINK THAT WOULD BE
HELPFUL FOR THE COMMITTEE
AND
YOURSELF AS WE CONSIDER THIS
BILL. THANK YOU.
>> I HAVE ONE
QUESTION. AND
THEN WE'RE GOING TO LAY
THIS BILL OVER. BUT DO YOU
PARTNER WITH LARGER BANKS?
IF SO; ARE YOU AT LIBERTY TO
TELL US WHICH BANKS THAT
YOU PARTNER WITH?
>> WE ACTUALLY
WORK WITH THEM; SUNRISE BANK
AND OTHER LENDERS. ALSO --
LENDERS. SO WHEN -- W
E DON'T HAVE THAT CAPACITY SO WE WORK
WITH OTHER LENDERS.
>> MY HOPE IS THAT I
CAN GET
THE SUPPORT OF THIS
COMMITTEE. WE KNOW THAT
THEY'RE HIRING PEOPLE
FROM THEIR COMMUNITY. IT TAKES A
BURDEN OFF OUR STATE.
THEY'RE INVESTING IN
THEMSELVES. SO I HOPE THAT
WE CAN SUPPORT -- SO BE LAID
OVER FOR POSSIB
LE INCLUSION.
>> THANK YOU. IS THERE ANY
OTHER BUSINESS BEFORE THE
COMMITTEE? THANK YOU
FOR YOUR TESTIFIERS.
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