1. Utah American Indian Housing Council Market Analysis Project

2. We are pleased to announce the partnership between: – Oweesta – Utah Division of Housing and Community Development – Utah Division of Indian Affairs – Utah American Indian Housing Council – 7 Utah Tribes – American Express Center for Community Development – And others Oweesta: Developing Native Assets :: Building Native Communities 2 Purpose-Informational Meeting

3. William Guevara Oweesta Corporation Director of Institution Development Headquarters in Rapid City, South Dakota Work out of a California office Oweesta: Developing Native Assets :: Building Native Communities 3

4.  Native  CDFI  National  Intermediary  Mohawk word for money or item of exchange  Training, Capacity Building, Consulting  Capitalization  Research, Policy & Advocacy Who is Oweesta?

5. Published Native American Lending Study in 2001 Native American Technical Assistance Grants (NACA) Funded Native CDFI Training and TA Program in 2003 Oweesta: Developing Native Assets :: Building Native Communities 5 Native CDFI Overview

6. What is a CDFI? Community Development Financial Institution Oweesta: Developing Native Assets :: Building Native Communities

7. Community Development Mission -Community Development Qualifying Target Market – Investment area – Low Income Targeted Populations – Other Targeted Populations Typically lend for development of: – Housing – Business – Community Services – Individuals’ Asset Building Oweesta: Developing Native Assets :: Building Native Communities 7

8. n Financial Institution CDFIs are about financing – money is lent and paid back. Intended to be a lasting, dependable source of finance. Oweesta: Developing Native Assets :: Building Native Communities

9. What do CDFIs do? They bring in money from various sources and lend it in the community. Unlike welfare or grants, the money is paid back and CDFIs work to make sure their borrowers can be financially successful. Oweesta: Developing Native Assets :: Building Native Communities

10. What is the Scope of the CDFI Industry? 842 Certified CDFIs as of May 2009 48 Certified NCDFIs Credit Unions/Associations 7 Loan Funds 34 Banks 6 Intermediary 1 Venture Capital 0 another 70+ emerging at various stages of growth! Oweesta: Developing Native Assets :: Building Native Communities 10

11. National NCDFIs (certified and emerging)

12. Tremendous Growth CDFI Industry?T

13. Conduct an in-depth market analysis to : – Identify Tribal Needs – Identify possible mechanisms to assist participating Utah Tribes with housing development Oweesta: Developing Native Assets :: Building Native Communities 13 Project

14. Market area to include: Utah Paiute Utah Navajo Ute Mountain Utes, White Mesa Northern Ute and Ouray Northwestern Band of Shoshone Nation Skull Valley Goshutes Confederated Band of Goshutes 10,000 – 20,000 Native Americans residing in the Salt Lake metropolitan area

15. 1.Determine the appropriate structures(s) to deliver viable technical and financial resources for tribal housing 2.Determine the quality of the market for financing in a market (tribal) area 3.Assess the demand for a range of financial products and services in each market area Oweesta: Developing Native Assets :: Building Native Communities 15 Goals

16. 4.Provide key findings and product recommendations for a potential CDFI in the overall Utah market area. 5.Evaluate the development and financing of the vehicle(s) such as a CDFI to meet tribal needs. – Include an analysis of tribal capacities and infrastructure needed for the vehicle to function effectively Oweesta: Developing Native Assets :: Building Native Communities 16 Goals

17. 1.Identify key opinion leaders for onsite interviews Interviews with key opinion leaders Creation of a survey instrument Delivery of surveys 2.Collect primary surveys and onsite interviews from a representative sample of potential reservation participants and borrowers as well as officials with existing housing and small business development programs serving the participating tribes. Oweesta: Developing Native Assets :: Building Native Communities 17 Work Tasks

18. 3.Conduct an environmental scan to assess existing sources and types of credit and financial services for each reservation 4.Analyze data and generate report Census data and other (tribal) to determine basic demographics of each community Report generation with key products and service recommendations 5.Provide a monthly report to UIHC Oweesta: Developing Native Assets :: Building Native Communities 18 Work Tasks

19. 6.Provide a one day state-wide report presentation Work session to assist UIHC members and the Utah Division of Indian Affairs to understand next steps Oweesta: Developing Native Assets :: Building Native Communities 19 Work Tasks

20. Focus Group – Native American Summit, September 2 nd Surveys -Online – Tribal Leaders (one survey per community) Tribal Leaders – Community Members (same for each community but individualized) I NEED YOUR HELP TO DEVELOP Community Members Set up calls and site visits for each participating tribe CONTIGUOUS SITE VISITS Gather information/data from each participating tribe Oweesta: Developing Native Assets :: Building Native Communities 20 Next Steps From Today

21. I need a contact person from each reservation/community Assist with surveys Assist with interviews interviews Assist with information & data gathering Answer questions Review as necessary Oweesta: Developing Native Assets :: Building Native Communities 21 Next Steps From Today

22. Thank You! Questions Please William Guevara 707-465-5330 office 707-951-0100 cell bill@oweesta.org www.oweesta.org www.ournativecirlce.org