- The WtW program model using everyday lending (mainly auto loans) to integrate three major
components within an innovative and holistic solution that addresses multiple needs of low-income
families to help them move out of their cycle of poverty and dependence towards greater financial
stability. The combination of affordable credit with real-world expectations for repayment, a
high-touch approach, and financial education generates intermediate outcomes - reliable auto
transportation, improved financial skills, repaired credit and asset building.
- As clients
leverage their increased transportation capacity and financial skills, they are shown to stabilize
their existing jobs or access better paying jobs, increase their income, improve care for their
children, and begin working with mainstream financial institutions. Together, these outcomes allow
families to begin moving towards self-sufficiency and an overall better quality of life.