By Financial Health Network Consulting
从支票兑现到信贷建筑
Nix Neighborhood Lendinghas come a long way since it opened fifty years ago as a check cashing business inside a Los Angeles grocery store. In 2007, after the company was bought by Kinecta Federal Credit Union, Nix began shifting its business away from simply cashing checks to providing credit services to underserved communities, developing an incredible rapport and presence with its customers in South Central Los Angeles.
Nix executives knew that in order to meet the needs of historically underserved banking customers who turned to payday lenders and pawn shops rather than traditional banks, the company would have to fill the gap in terms of access to credit, says Nix Neighborhood Lending President Luis Peralta.
But Peralta was initially skeptical about the job. “When I first got approached about this new opportunity, I did my research and the only thing I could find out about Nix was that it was a check cashing business,” says Peralta.
It was this reputation which check cashers tend to have with nonprofit community organizations and public officials that seemed to be Nix’s greatest challenge. With rates significantly lower than typical payday lenders, small-dollar loan products that offer the option to repay in installments, and the use of alternative data to help determine credit worthiness and repayment ability, Nix’s focus on financial health was something Peralta knew needed better showcasing in the community, which is why he turned to the Center for Financial Services Innovation (Financial Health Network) as a key partner in this undertaking.
Increasing Access to Small-Dollar Credit through Alternative Data
在为使用lexisnexis（风险期刊）数据而不是传统信贷局信息的可扩展小美元信用产品的新商业模式之后，NIX于2014年6月推出了新的贷款产品，提供了小美元，短期贷款$ 1,000。截至目前，尼克斯将其最高贷款额增加至2,500美元，两年后，它从一到35个分支机构扩展。佩拉特拉说，以替代评估信用风险评估信用风险，纳西兹能够批准其所有申请人贷款贷款的所有申请人，这些贷款人在佩尔特拉表示，通常只批准10％至15％的申请人。
对低收入消费者的影响是深刻的 - 不仅仅为他们提供更多的流动性和金融紧急情况的缓冲，而且为长期努力控制其财务的消费者创造了更强大的情感基础。“许多这些消费者将他们的信用评分提高了至少100到200分，”佩尔特拉说。
Re-Positioning to Build Consumer Success
但是，虽然尼克斯在消费者的生活中产生了影响，但它仍然面临与原来支票兑现的耻辱之处，它以前的几十年开始。改变对广泛规模的看法将是其自身的承诺。“我们面临的最大挑战之一是，很多社区组织不明白我们不再是NIX支票兑现，”Peralta说。“即使我们是尼克斯邻居贷款，我们经常被标记为那种方式。”
要采取这一挑战，NIX寻求金融健康网络的帮助，利用本组织在金融健康世界中的声誉和联系，帮助他究竟究竟何种尼克斯达到了万博电竞怎么玩什么，以及如何与其他支票收银员不同。
Building Communities that Thrive
This February in partnership with Financial Health Network, Nix hosted a Financial Health Community Outreach Session focused on improving communities’ financial health and sharing the importance of small-dollar credit. The event had more than 50 organizations in attendance including media outlets and community groups. “The goal was for them to understand the great value of our new small-dollar loan offerings and how those loans were helping the very same customers they work with on a daily basis,” says Peralta. “It really helped to change a lot of the misperceptions that they had about us.”
万博电竞怎么玩金融健康网络准备了动态和吸引力的活动。利用专有数据和研究，金融健康网络通过日常生活的日常生活来参与参与者，为社区和贷方提供万博电竞怎么玩更细致的了解。该活动展示了来自美国金融日记项目和来自国家代表性消费者调查的数据的概况 - 该集团通过研究和故事的共同经验以独特的方式深化了融洽关系。
For Nix, the half-day event was the first step in a broader community-building initiative. The organization wanted to share insights gleaned from Financial Health Network’s research and advice with the community, and to communicate that it was prepared to be a strong financial partner to its customers.
Taking Financial Health Further
Since the February event, Nix has connected with organizations on a one-on-one basis, including Compton Community College, where Nix will host a series of financial education seminars and Watts Century Latino Organization, a social services group that works with the Hispanic community in LA. “We will provide them with the tools so they can be better informed about how to manage their debt and credit profile,” says Peralta.
社区外展还导致媒体曝光网点，其中包括单一，洛杉矶时代，洛杉矶商业期刊，华尔街日报，铜时代，坎娜新闻等。“他们现在非常了解我们是谁和我们的新任务，”佩尔特拉说。
This increasing awareness of what Nix does is helping grow its community base, which spans more than 10,000 families with an outstanding portfolio of about $14 million. “We have saved them millions of dollars in interest and fees and improved credit scores for these consumers,” says Peralta.
But the job of spreading the word is not done. “It’s not a one-shot effort. This is an ongoing effort that really needs to have several legs and contact points to be successful,” says Peralta. “We are very honored and grateful that Financial Health Network has been willing to help us with that process.”
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By Financial Health Network on August 10, 2016.
