Solar is booming and the price is lower than ever. Yet, 80% of America is locked out of the rooftop solar market. Solstice radically expands access to clean energy by providing community-shared solar power to underserved American households. This model enables any resident to enjoy clean energy at no upfront cost and save money on their electric bill every year. Our project will put affordable solar in the hands of low- to moderate-income Americans by offering the country’s first short-term community solar contract, by working with trusted community organizations to enroll social networks together and by qualifying customers using metrics other than FICO credit scores (unprecedented in the industry).

Financial institutions face a big challenge when offering agricultural financial credit. They have inefficient mechanisms to evaluate a farmer’s credit worthiness in relation to the sector-specific risks such as production, price and market risks. Most financial institutions do not have reliable credit risk analysis models to guide them in best evaluating farmers. Without a proper method or approach to credit risk analysis, farmers face the risk of being denied the credit they require because of the potentially inaccurate credit risk scores generated for them. Financial institutions also stand the risk of making losses when they give loans basing on the potentially inaccurate credit risk scores. HingiCredit will provide an automated credit risk analysis system that can be used to assess the credit-worthiness of farmers requesting loans from financial institutions. HingiCredit will reflect the risk factors that influence production and market and as a result will match farmers to financial institutions that are willing to provide the loans within the calculated risk.

The Retirement Toolkit is a reproducible workshop kit that through the innovative use of co-design seeks to address the gap in retirement financial literacy for low income, young working adults. The Toolkit’s application of co-design for education allows the participants to actively shape their learning experience as opposed to conventional, one-sided forms of teaching. Through creative discussion, design activities, and active visual learning, the program not only teaches, but also empowers participants to secure their own financial futures. Furthermore, the project is highly scalable because the workshop guide and toolkit can be easily reproduced to allow third parties to hold their own retirement workshops beyond the Bay Area. Additionally, the individualized curriculum will allow participants to tailor the material to their needs. The project thus addresses the lack of effective financial literacy programs for low income, young working adults in an innovative application of co-design.