Business Commons^™

Sustainable Pathways For Successful Small Businesses In Chelsea, Massachusetts, Fabián Torres-Ardila, Lorna Rivera, Carolina Rojas-Pion, Daniela Bravo, Henry Chavez

Gastón Institute Publications

This report focuses on the critical role that small business owners and entrepreneurs play in the socioeconomic development of a predominantly Latino community like Chelsea, Massachusetts.

This report compiles the key findings and recommendations that resulted from conducting a qualitative study with small business owners and other individuals who play important roles in advocating for and supporting this community. Assuming an asset-based approach rather than a deficit-based one (Green & Haines, 2011), our study focuses on the skills and knowledge of small business owners and identifies a myriad of possibilities for City administrators to build upon existing practices and behaviors …

Latinos In The Labor Force, Phillip Granberry

Gastón Institute Publications

In 2018 a financial news and commentary website, 24/7 Wall St., ranked Massachusetts as the state with the largest economic and social disparities between Latinos and non-Latino whites. For example, median household income was shown to be slightly above $80,000 for whites and just under $40,000 for Latinos. Even more starkly, the rates of homeownership were shown as 69.3% and 26.0%, respectively.

The present report offers an in-depth look at one aspect of the disparity, namely, the difference between the median wage income of Latinos and non-Latinos (a great majority of whom in Massachusetts are non-Latino white). In 2017 …

Massachusetts Small Business Development Center Network: Boston Regional Office And Minority Business Center, Massachusetts Small Business Development Center Network, Boston Regional Office & Minority Business Center

Office of Community Partnerships Posters

Hosted by the College of Management, we are part of a statewide business assistance program providing FREE one-on-one counsel to entrepreneurs, seeking help with business growth, financing, loan assistance, strategic marketing and operational analysis. Our services are available to the public and members of the University of Massachusetts Boston community, including students, faculty, and staff. We also offer workshops on a variety of topics targeted to the needs of small business.

Reinforcing The Safety Net: A Collaborative Survey With The Massachusetts Nonprofit Network, Heather Macindoe, Lindsay Morgia, Erynn Herman

Office of Community Partnerships Posters

The more than 35,000 nonprofit organizations in Massachusetts employ 20% of the state’s workforce and serve as a vital part of the social safety net. Many of these organizations face challenges concerning fiscal sustainability. Funding often covers current services with little surplus to address organizational capacity issues. Successful public-nonprofit partnerships are key to building a resilient nonprofit sector. This study contributes to the nonprofit sector’s knowledge of how best to engage with policymakers at the state and local level.

Commonwealth Compact Talent Network: A Resource For And About Talented Professionals Of Color In Massachusetts, Georgianna Melendez

Office of Community Partnerships Posters

Commonwealth Compact seeks to increase the visibility of and access to professionals of color in Massachusetts. We seek to establish Massachusetts as a uniquely inclusive, honest, and supportive community of – and for – diverse people. We have created an online tool to establish this visible network. Our target audience for this tool includes employers and talent.

Upham’S Corner Main Street: Developing Ideas For Promoting Arts And Businesses In Upham’S Corner, Werner Kunz, Barbara Lewis, Upham's Corner Main Street

Office of Community Partnerships Posters

Dorchester’s Upham’s Corner neighborhood is home to a diverse mix of neighborhood residents, many historical landmarks, and a commercial district. At one point, Upham’s Corner was one of the top five market hubs for New England. It was because of this market history that the Strand Theater was built as a community home, as a community connection, and as a network. UMass Boston’s College of Management undergraduate students have developed ideas for promoting the arts and bringing businesses to the Upham’s Corner neighborhood. Assistant Professor of Marketing, Werner Kunz, coordinated the project with students in his “Services Marketing” class to …

Commonwealth Compact Talent Network: A Resource For And About Talented Professionals Of Color In Massachusetts, Robert Turner, Georgianna Meléndez

Office of Community Partnerships Posters

Commonwealth Compact seeks to establish Massachusetts as a uniquely inclusive, honest, and supportive community of—and for—diverse people. To acknowledge our mixed history in this effort, and to face squarely the challenges that still need to be overcome, understanding that the rich promise of the region’s growing diversity must be tapped fully, if Massachusetts is to achieve its economic, civic, and social potential.

Commonwealth Compact: Merrimac Valley Collaborative, Robert Turner, Georgianna Meléndez

Office of Community Partnerships Posters

Commonwealth Compact seeks to establish Massachusetts as a uniquely inclusive, honest, and supportive community of—and for—diverse people. The objectives of this program include acknowledging our mixed history in this effort, face squarely the challenges that still need to be overcome and understand that the rich promise of the region's growing diversity must be tapped fully if Massachusetts is to achieve its economic, civic, and social potential.

Commonwealth Compact: Massachusetts Business School Collaborative, Robert Turner, Georgianna Meléndez

Office of Community Partnerships Posters

Commonwealth Compact seeks to establish Massachusetts as a uniquely inclusive, honest, and supportive community of—and for—diverse people. The objectives of this program include acknowledging our mixed history in this effort, face squarely the challenges that still need to be overcome and understand that the rich promise of the region's growing diversity must be tapped fully if Massachusetts is to achieve its economic, civic, and social potential.

Changing Patterns Xvi: Mortgage Lending To Traditionally Underseved Borrowers & Neighborhoods In Boston, Greater Boston And Massachusetts, 2008, Jim Campen

Gastón Institute Publications

This is the sixteenth in the annual series of Changing Patterns reports prepared for the Massachusetts Community & Banking Council (MCBC) by the present author. The series is aptly named: mortgage lending since 1990 has indeed been characterized by “changing patterns.” In recent years, the major focus of the series shifted from concern for fair access to credit for traditionally underserved borrowers and neighborhoods to concern for access to fair credit for these same borrowers and neighborhoods. This reflects the extent to which the problem of redlining had become overshadowed by the problem of reverse redlining, whereby areas that …

Changing Patterns Xiv: Mortgage Lending To Traditionally Underseved Borrowers & Neighborhoods In Boston, Greater Boston And Massachusetts, 2006, Jim Campen

Gastón Institute Publications

This is the fourteenth in the annual series of Changing Patterns reports prepared for the Massachusetts Community & Banking Council (MCBC) by the present author. This year’s report, for the first time, includes the analysis of subprime lending that was previously presented in a separate annual series of Borrowing Trouble reports. The report presents information for the city of Boston, for Greater Boston, and for Massachusetts, as well as for each of the state’s fourteen counties and each of its thirty-three largest cities and towns.

The analysis is based on federal Home Mortgage Disclosure Act (HMDA) data for 2006, as …

Changing Patterns Xiii: Mortgage Lending To Traditionally Underserved Borrowers And Neighborhoods In Greater Boston, 1990-2005, Jim Campen

Gastón Institute Publications

The present study is the latest in a series of annual updates of the original report, Changing Patterns: Mortgage Lending in Boston, 1990-1993. Beginning in 1998, the reports’ geographic scope was expanded to include an examination of mortgage lending patterns in 27 cities and towns surrounding the city of Boston. In 2003, the report’s geographic coverage was further expanded to include a total of 108 communities. This year’s report extends coverage to all counties, regional planning areas, and federally-defined metropolitan areas in Massachusetts.

The text that follows this introduction highlights some of the most significant findings that emerge from …

Changing Patterns Xii: Mortgage Lending To Traditionally Underserved Borrowers And Neighborhoods In Greater Boston, 1990-2004, Jim Campen

Gastón Institute Publications

The present study is the latest in a series of annual updates of the original report, Changing Patterns: Mortgage Lending in Boston, 1990-1993. Beginning in 1998, the reports’ geographic scope was expanded to include an examination of mortgage lending patterns in 27 cities and towns surrounding the city of Boston. In 2003, the report’s geographic coverage was further expanded to include a total of 108 communities.

The text that follows this introduction highlights some of the most significant findings that emerge from the extensive set of tables and charts that constitute the bulk of the report. Part I, together …

Changing Patterns Xi: Mortgage Lending To Traditionally Underserved Borrowers & Neighborhoods In Greater Boston, 1990-2003, Jim Campen

Gastón Institute Publications

The present study is the latest in a series of annual updates of the original report, Changing Patterns: Mortgage Lending in Boston, 1990-1993. Beginning in 1998, the reports’ geographic scope was expanded t o include an examination of mortgage lending patterns in 27 cities and towns surrounding the city of Boston. In last year’s report, the geographic coverage was further expanded to include a total of 108 communities.

The text that follows this introduction highlights some of the most significant findings that emerge from the extensive set of tables and charts that constitute the bulk of the report. The …

Changing Patterns Xi: Mortgage Lending To Traditionally Underserved Borrowers And Neighborhoods In Greater Boston, 1990-2003, Jim Campen

Gastón Institute Publications

The present study is the latest in a series of annual updates of the original report, Changing Patterns: Mortgage Lending in Boston, 1990-1993. Beginning in 1998, the reports’ geographic scope was expanded t o include an examination of mortgage lending patterns in 27 cities and towns surrounding the city of Boston. In last year’s report, the geographic coverage was further expanded to include a total of 108 communities.

The text that follows this introduction highlights some of the most significant findings that emerge from the extensive set of tables and charts that constitute the bulk of the report. The …

Borrowing Trouble? Iv: Subprime Mortgage Refinance Lending In Greater Boston, 2000-2002, Jim Campen

Gastón Institute Publications

The present report is the fourth in the annual series begun by that initial study; it extends the time period covered through 2002, and expands the number of individual cities and towns for which data on subprime refinance lending are provided to 108.

Although motivated by a concern with predatory lending, this study and its predecessors – like all of the other quantitative studies of which I am aware – analyzes and reports on lending by subprime lenders. It is therefore important to emphasize that although all predatory loans are subprime, only a fraction of subprime loans are predatory. While …

Changing Patterns X: Mortgage Lending To Traditionally Underserved Borrowers And Neighborhoods In Greater Boston, 1990-2002, Jim Campen

Gastón Institute Publications

The present study is the latest in a series of annual updates of the original report, Changing Patterns: Mortgage Lending in Boston, 1990-1993. Beginning in 1998, the reports’ geographic scope was expanded to include an examination of mortgage lending patterns in 27 cities and towns surrounding the city of Boston. In this year’s report, the geographic coverage has been further expanded t o include a total of 108 communities.

This introduction is followed by ten pages of text that identify some of the most significant findings that emerge from the extensive set of tables and charts that constitute the …