Pathways to Financial Resilience: 36-Month Impacts of the Grameen America Program

This report summarizes 36-month findings from the evaluation of the Grameen America program, a microfinance institution that provides loans to women with low incomes in the United States who are seeking to start or expand a small business. Its objective is to reduce poverty through the provision of small loans, financial training, and peer support.The Grameen America evaluation used a randomized controlled trial design to explore the mechanisms of program operations and whether the model leads to improved outcomes for borrowers. The evaluation includes an implementation analysis, which examines how the program operates and the experiences of borrowers and program staff, and an impact analysis, which assesses the program's effects on participants' outcomes, including the study's two primary outcomes: overall net income and types of material hardship. Other outcomes include wage-based work and self-employment, wage-based and self-employment earnings and other income, credit scores, savings, assets and remittances, social support, and financial well-being. The implementation analysis includes outcomes from program-tracking data, as well as findings from interviews with borrowers and Grameen America staff, focus groups, and researchers' observations of the program. The impact findings in this report are based on study participants' responses to a 36-month survey and credit report data from a major credit reporting agency. The Grameen America evaluation was funded by the Robin Hood Foundation

Coral affected by stony coral tissue loss disease can produce viable offspring

Stony coral tissue loss disease (SCTLD) has caused high mortality of at least 25 coral species across the Caribbean, with Pseudodiploria strigosa being the second most affected species in the Mexican Caribbean. The resulting decreased abundance and colony density reduces the fertilization potential of SCTLD-susceptible species. Therefore, larval-based restoration could be of great benefit, though precautionary concerns about disease transmission may foster reluctance to implement this approach with SCTLD-susceptible species. We evaluated the performance of offspring obtained by crossing gametes of a healthy P. strigosa colony (100% apparently healthy tissue) with that of a colony affected by SCTLD (>50% tissue loss) and compared these with prior crosses between healthy parents. Fertilization and settlement were as high as prior crosses among healthy parents, and post-settlement survivorship over a year in outdoor tanks was 7.8%. After thirteen months, the diseased-parent recruits were outplanted to a degraded reef. Their survivorship was ∼44% and their growth rate was 0.365 mm ± 1.29 SD per month. This study shows that even diseased parent colonies can be effective in assisted sexual reproduction for the restoration of species affected by SCTLD