Past Initiatives

Building Child Care

The Insight Center’s Early Care and Education (ECE) program plays a leadership role in creating systems that provide every child with access to high-quality, affordable, early care and education. Such a system lays the groundwork for our country’s economic future by:

  • Preparing future generations for school and workplace success
  • Supporting working families so they can become economically secure
  • Helping employees become more productive and businesses more competitive.

Click to view and download publications about Early Care and Education.

The Economic Power of Early Care and Education

The Insight Center developed the early care and education (ECE) economic impact model to inform policy-makers, business leaders, and economic development leaders about the economic importance of ECE. The model demonstrates that ECE does more than provide nurturing, educational environments for children – it also plays a vital role in the economy.

The components of the model can be customized, but typically include an in-depth, geographically specific economic analysis that quantifies ECE’s contribution to the economy, and a corresponding action plan to strengthen the ECE system. The Insight Center has conducted research, and published more than 40 economic impact reports for counties and states all over the country. These reports document the link between ECE, economic development, and business productivity, and reframe ECE as an economic driver. The Insight Center also trains local, state, and national leaders to conduct the research necessary to produce economic information about ECE, and works with local partners to develop and deliver effective messages that motivate targeted audiences to act.

Click to view and download publications about ECE.

InBiz, the Inclusive Business Initiative

The Inclusive Business InitiativeSM is a project of the Insight Center for Community Economic Development that provides information to states and local governments, as well as diverse small businesses and their advocates, in order to further the inclusive business programs of public agencies. This initiative is a key component of the Insight Center’s work to advance strategies that build family and community assets and help overcome the racial wealth gap.

Click to view and download publications about InBiz.

Income and Asset Building

Wealth – what you own minus what you owe – is critical to basic economic security and also creates economic opportunities. It is a nest egg to draw on during hard times. It acts as the fence between temporary setback and economic catastrophe that families have been building for generations.

Over the course of the initiative, we embarked on five strategies to realize our vision and meet our longer term goal of creating the environment for the enactment of new wealth-related policies that are targeted and universal:

  1. Produce groundbreaking research that helps us better understand dimensions of the racial wealth gap to help inform policy and practice;
  2. Build and support an Experts of Color Network to inform policymaking to ensure asset policies reflect the leadership of people of color and are sensitive and respectful of diverse ethnic cultures;
  3. Implement a comprehensive and strategic media approach to educate the public about the racial wealth gap and reframe discourse on race and wealth;
  4. In conjunction with the Federal Reserve Board of Governors, create the environment for policy development and advocacy to ensure policies reflect the needs of communities of color; and
  5. Increase the capacity of state coalitions to address the racial wealth gap by working with them to account for racial disparities in their asset building policy efforts

Click here to learn more.

Legal Services

We provided organizational development, legal structuring, and internal operations assistance regarding charitable tax exempt organizations and their affiliates, including:

  • CA Legal Services Program Support
  • Mission Asset Fund
  • People’s Grocery
  • Centro Del Pueblo

Click here to learn more.

Metrics and Measurements

The Insight Center built better tools to measure the economic reality facing families in California. We found that families living in California pay different amounts for basic household goods depending on where they live.

Our organizing and advocacy work focused on what it actually costs to make ends meet in communities across California, as defined by the Self Sufficiency Standard for California, a measure of the income needed to cover basic needs available for 156 different family types in each of California’s 58 counties. Unlike the official, yet outdated, federal poverty measures, the Self-Sufficiency Standard uses publicly available data sources to quantify the actual costs of meeting the basic needs for working families by county – without public or private assistance.

Similarly, the Elder Economic Security Index is the only county-specific measure of the minimum income necessary to cover all of an older adult’s basic expenses—housing, food, healthcare and transportation. The California Elder Index is available for all 58 counties across the state and the City of Los Angeles. This work ultimately resulted in the Metrics Matter innovation network for national, state and local leaders promoting economic security.

Click here to learn more.

PayDay Lending

Payday loans are regulated, in most cases, at the state level, which means that the only way that counties or cities can affect payday lending through land-use ordinances. The Insight Center has created a toolkit that provides a guide to advocating for a local ordinance to limit new or relocating payday establishments.

Our Legal Services work intersects the other Insight Center focus areas through the legal aspects of promoting public and private sector financing and reinvestment in communities as well as promoting small dollar loan programs and other alternatives to payday lending. To read the report The Net Economic Impact of Payday Lending in the U.S. click here.

Click to view and download publications about PayDay Lending.

Workforce Development

The Insight Center’s Workforce Development program aimed to bring about the creation of good jobs for all workers, strong industries that support vital communities, and an inclusive economy that provides equitable employment and that makes it possible for people to become economically secure.

We accomplished this through:

  • The National Network of Sector Partners (NNSP), a network of over 3,500 that supports the improvement and expansion of industry sector-focused workforce development, because they provide proven solutions to the crucial problems our society faces and innovations based on them.
  • Regional efforts such as HealthWorks, through which businesses, community leaders, and public officials are overcoming barriers to employment faced by young men of color, and through which they harness and align local reinvestment, new employment opportunities, and such as Buy, Invest and Hire, and Give Locally (BIG)that mobilizes under-tapped community capital with an eye to bolstering local small business expansion, job quality, and employment equity.
  • Assisting on how to design, operate, and sustain workforce programs that effectively meet the needs of particular businesses in an industry sector, job seekers, and workers.
  • Helping reshape industry practices, financing, public policies, and public institutions through which workers and industries interact.

Click here to learn more.

Sharon Zeenkov, MBA


Sharon Zeenkov is a Consultant at FMA and serves as a finance consultant to the Insight Center. Sharon provides outsourcing services to a diverse base of non-profit clients in several service areas including daily accounting and bookkeeping, and back-office accounting support. Sharon has a diverse background in accounting, business analysis, and federal government contracts administration.

Sharon holds an MBA from Villanova University and is a Magna cum laude graduate of Temple University where she received her Bachelor’s Degree in Accounting.

Shanya Hayes | In Her Own Voice

Shanya Hayes is going places. While many students her age spend their summer vacations doing anything but school work, this bright young scholar has been staking out her future.

And as her ambition leads her toward new understandings, she’s learning more about what her journey might entail as a young Black woman growing up in a society still deeply marked by bias and its profound but not always visible effects.  


Click the image above to view a full-sized
version of Shanya’s research findings poster.

A junior at Charles E. Jordan High School in Durham, North Carolina, Shanya is a participant in the Scholars to College program at the Emily K Center. As part of its mission to develop student leaders and break the cycle of poverty, this nonprofit organization provides college readiness programming and other services to academically-focused students with financial need.

Through this holistic college-readiness program, Shanya enjoys weekly small-group instruction and one-on-one guidance during the school year, and she is engaged in academic, leadership, and career-related enrichment activities over the summer.

As part of her enrichment activities this past summer, Shanya participated in the Young Scholars Summer Research Institute, an initiative of the Samuel Dubois Cook Center on Social Equity at Duke University, which engages its young participants in “the study of the causes and consequences of inequality.”

Shanya’s interests led her to research a topic that was new to her as a concept but, as she would discover, was something she had already seen and experienced: colorism.

“Colorism is skin-tone bias, which is basically racial inequalities within race, with the idea that being lighter is better, within all races,” Shanya explains.

Shanya grew up seeing this biased attitude at school and in social media but did not know that it was colorism, per se, or that it has such a far-reaching effect on people’s lives – for both women and men, and across all races.

“I see it a lot within teenagers in Durham…Just hearing boys say they would never date a dark-skinned girl just for the simple fact that she is a dark-skinned girl, and just hearing the bad connotations that come along with being dark-skinned and the good connotations that come along with being light-skinned.”

Smarter, more beautiful, even a “better” person – these are the types of baseless connotations that are so commonly associated, either consciously or unconsciously, with lighter skin.

As documented in a growing body of research, the effects of this deeply ingrained bias are profound. Colorism influences not only social-emotional issues of self-esteem and self-perception, but also – and most surprising to Shanya – socio-economic status. As Shanya reports from her research, lighter skinned women complete more years of school, live in better neighborhoods, and earn more money than their darker-skinned counterparts.

“It really disappointed me to know that this is a cultural norm, that this is ‘okay’ in society, that we do this, and we don’t even know that we do this,” she says.

The last point really hit home for Shanya after she shared her research with her peers but saw it discredited by a classmate who refused to acknowledge it as a real form of discrimination.

“One girl I know my age, she’s a light-skinned girl, her family is light-skinned, and she was talking to me and a friend, saying that she doesn’t believe that colorism is a real thing,” Shanya recalls. “And it kind of made me upset, because I found all this research on it, I shared it with her, and she still doesn’t see how it’s a real thing because it doesn’t affect her as much as it would a darker-skinned woman. It’s really sad to know that there’s a lot more people like her who believe the same thing.”

Shanya shares her research with the hope of raising awareness about colorism and bringing its largely unseen or unacknowledged consequences to light.

“The more people who know about it and its real effects, what it actually does to Black people as a community, to all races as a whole, I feel like it would change if people learned about it.”

In drawing on both her research and personal experience, she says that one important step for countering this deeply-ingrained bias would be to foster, in the media and our culture at large, a “more diverse range of what is beautiful.”  

And by sharing her story, this bright young mind is doing just that.


For added context, we direct readers to two seminal papers in the body of research on colorism and its socioeconomic effects, and another, more recent overview of this deeply-ingrained form of racial discrimination.

“Skin Tone and Stratification in the Black Community” – Chicago Journal

“Indeed, this study found that complexion continued to be a significant predictor of such outcomes as educational attainment, occupation, and income among black Americans. Moreover, our analysis showed that skin tone and other contemporaneous factors were more strongly related to stratification outcomes than were such background characteristics as parental socioeconomic status. Virtually all of our findings parallel those that occurred before the civil rights movement. These facts suggest that the effects of skin tone are not only historical curiosities from a legacy of slavery and racism, but present-day mechanisms that influence who gets what in America.”

“Evidence on Discrimination in Employment: Codes of Color, Codes of Gender” – The Journal of Economic Perspectives

“Johnson, Bienenstock, and Stoloff (1995) looked at dark-skinned and light-skinned black males from the same neighborhoods in Los Angeles, and found that the combination of a black racial identity and a dark skin tone reduces an individual’s odds of working by 52 percent, after controlling for education, age, and criminal record! Further evidence that lighter-complexioned blacks tend to have superior incomes and life chances than darker-skinned blacks in the United States comes from studies by Ransford (1970), Keith and Herring (1991) and Johnson and Farrell (1995)….Evidently, skin shade plays a critical role in structuring social class position and life chances in American society, even between comparable individuals within minority groups.”

“The Persistent Problem of Colorism: Skin Tone, Status, and Inequality” – Sociology Compass

“Discussing colorism is not a ‘distraction’ from the important issue of racial discrimination. In fact, understanding colorism helps us better understand how racism works in our contemporary society. Colorism is one manifestation of a larger ‘racial project’ that communicates meaning and status about race in the USA (Omi and Winant 1994). Studies on skin-color stratification support the contention that racial discrimination is alive and well (Keith and Herring 1991; Mason 2004), and so insidious that communities of color themselves are divided into quasi-racial hierarchies (Alba et al. 2000; Hunter 2005; Seltzer and Smith 1991). As long as the structure of white racism remains intact, colorism will continue to operate.”


The Color of Wealth in the Nation’s Capital

by Kilolo Kijakazi, Rachel Marie Brooks Atkins, Mark Paul, Anne E. Price, Darrick Hamilton, and William A. Darity Jr.

The Color of Wealth in the Nation’s Capital is a joint publication of the Urban Institute, Duke University, The New School, and the Insight Center for Community Economic Development.

The 2007–09 Great Recession and housing crisis erased approximately half of Black and Latino households’ wealth, while Asians suffered the largest absolute lost in wealth (McKernan et al. 2014). Asian and Latino households tended to live in geographic areas that were hit hardest by the housing crisis (De La Cruz-Viesca, Hamilton, and Darity 2015).

But the dramatic wealth disparities between White communities and communities of color long predate the dramatic economic downturn. This report explores racial and ethnic differences in net worth, focusing on Black families in Washington, DC, and shows, through a chronicle of their history in the city, how discrimination and systemic racism have contributed to today’s wealth gap in the nation’s capital.

Click here to view and download the full report as a PDF.

Elinam “Eli” Dellor | In Her Own Voice

Elinam “Eli” Dellor comes from a family of strong, Black women who pushed through social and geographic boundaries to accomplish the extraordinary. Her grandmother, Irene Akosua Dei, overcame significant adversity as a young orphan in Ghana, where she survived through subsistence work and taught herself how to read and write before going on to successfully raise eight children of her own, including Eli’s mother, Pat.

Pat continued Irene’s legacy by becoming one of the first in her family to attend college and practice sports medicine in Ghana – a field where women were scarce. Facing limits to what she could accomplish in Ghana, she made the difficult choice to move her family to the U.S. in search of greater opportunity and a better life for her children. “My parents are immigrants and they came here for a very specific reason – to ensure that we don’t struggle as much as they had to struggle,” Eli explains.

Today, Eli stands on the shoulders of her mother and grandmother as a bright and ambitious Black woman and first-generation immigrant who has a Ph.D. in Public Health from the University of California, Los Angeles (UCLA).

Without a doubt, Irene’s spirit and determination flows through her. “My grandma was my first teacher, my first mentor,” Eli says. “She did everything that was out of the ordinary for her time. Being a Black woman with a Ph.D., I am also out of the ordinary. I take a lot of pleasure in bucking trends, surprising people.”

The road to Eli’s accomplishment was not an easy one. Eli immigrated to the U.S. from Ghana at the tender age of 11 and has faced racism and bias throughout her life.

One of her first experiences with racial prejudice came in the 10th grade, when she sought guidance from her school counselor on taking the PSAT to prepare for college. “The counselor took one look at me and said, ‘Don’t bother. I think you should focus on looking at community colleges. No need to take the PSAT.’” Eli was an honor roll student enrolled in AP classes, so her counselor’s reaction left her feeling surprised, confused, and hurt. It was only after Eli found the courage to follow up with her counselor that he took the time to actually look at her records and see her high academic achievement. “It was one of the scariest things I’ve ever done in my life,” Eli recalls. “He looked at me and just saw a Black girl, nothing more. I had to force him to see past that, to see me.”

This was her first introduction to racism at a systemic level, and, unfortunately, it would not be her last. Throughout her academic career, Eli saw how her race, gender, and immigration history positioned her to have to work harder, face bigger obstacles, and be at a disadvantage in comparison to her white peers.  

One of the major challenges Eli now faces as a recent post-doctoral graduate is grappling with the immense debt she has acquired in taking on student loans since the start of her undergraduate work. Eli enrolled in work study programs and got whatever scholarships she could, but her family’s means were limited and student loans were a must. “It never occurred to me that I wouldn’t go to college,” says Eli. “My parents made it very clear that even if we needed to take out loans, we would do whatever it took to ensure I was educated.”

Eli’s decision to continue to graduate school was not an easy one, as she worried about taking on more debt, but she felt that it was absolutely necessary to advance her career. “I was working at the Alliance for Children’s Rights on the behalf of foster youth and saw that without an advanced degree, I would be stuck in lower-level positions, and I wouldn’t be able to ever be in charge of my own work.” She wanted to continue her work with at-risk populations and also had a dream to pursue public health work in Ghana. A Master’s in Public Health (MPH) seemed like the perfect fit.  

While in the MPH program, Eli saw white male privilege play out to its fullest. In a field of mostly women, there were only two men in her cohort who were white, and they received a disproportionate amount of financial support and teaching opportunities despite having an undistinguished reputation among peers. “It was so frustrating to all of the women… As women, we can’t afford to be mediocre. We have to work harder to get noticed all the time.”

When Eli received her MPH in 2008, the recession was in full effect. Facing a devastated job market, she, like many of her peers, decided to work toward a Ph.D., which would enable her to follow her dream of becoming a principal researcher.

As a Ph.D. candidate at UCLA, Eli learned that the National Institute of Health (NIH) offered a fellowship to those who would be willing to study the incorporation of psychology and biology into Public Health issues. Seeing an opportunity to earn financial support for her education, she came up with a proposal for the fellowship, applied, and was accepted. With this fellowship, Eli changed her career path from researching reproductive health in Ghana to focusing on the biological effect of childhood trauma on the adult body.

Eli has mixed emotions about the fellowship. She is thankful, of course, for the opportunity and support, and she is very proud of the work she accomplished. However, she also considers how the fellowship changed the trajectory of her career and forced her to make a hard choice in letting go of her original passion – something she has seen happen to many of her peers. “What happens is that everyone goes to where the money is, and your dreams, inspirations may not get funded,” she explains. “Specific communities may never get researched. Funding dictates what gets looked at.”

Now as a post-doc, Eli is faced with more difficult decisions. With over $112,000 in cumulative student debt, she has to look into options that will help alleviate her loans. Once again, the NIH can help. They offer to pay for up to 50% of her student loans in exchange for researching specific work.

While seeking guidance about the NIH program from her post-doc mentor, Eli had another eye-opening discovery: her mentor had no loans to pay for after she received her own Ph.D. How could someone not have any debt after so many years of education? Eli learned that her mentor’s parents both held Ph.D.s and had access to valuable information and networks that she did not. “They knew where to go to for money, how to ask for money, how to position yourself to be appealing to people to give you money,” she explains. “I had no idea about all that stuff. I’m a smart woman – but that only gets you so far. You need connections and that’s what my mentor had.”

Privilege and advantage are not always visible. Understanding how systems work, having connections and access to people with wealth – these are factors we may not always consider when we think about our own privilege and how we achieved our own success. Yet they play very real, important roles in our lives. “As an immigrant family, you’re not established here, you don’t know where the sources of funding are, you don’t know what the tricks are to get your kids a ‘free education,’” Eli explains. “You don’t know what you don’t know.”

Without these advantages, Eli finds herself far behind peers who graduated with little or no debt and simply have more options for working in their field. With student loan payments already eating into her limited finances, Eli needs to apply for programs like what the NIH is offering, despite the fact that it may yet again derail her from her desired career path.  “What starts to happen is that the debt starts to fight with your passion,” she says. “You might end up doing something because that was where the money is.” These are difficult choices to make.

In the end, Eli is proud of her accomplishments, and she treasures her education and the access and opportunities it will eventually give her. “In academia, there are very few people who look like me,” she says. “If there aren’t people who look like me and have my background and experience, then the things that we care about will not get researched and studied.”

A person’s interests come from their own experience and knowledge base. We need diversity in academia and research to ensure that populations on the periphery can receive equal attention and opportunity. There is a tremendous need for women and people of color to be doing this work. And for that reason, Eli holds her head high and basks in the knowing that she has made her grandmother very proud as she continues to strive for the extraordinary.

Centering Blackness

Before the COVID-19 crisis, there was growing recognition that structural racism perpetuates unequal and adverse life outcomes for Black people. The New York Times Magazine’s 1619 project shed light on how Black people and their needs have been historically exploited, neglected, and undervalued in the creation of our nation’s culture, economy, and democracy. The disproportionate effects of the COVID crisis, along with the ongoing uprising to end police brutality, is now illuminating this fact even brighter. Yet outside of the visionary leaders and organizations shaping the current movement for Black lives, there is still a great deal of reluctance, even among the progressive-minded, to consider the Black experience as unique and foundational to shaping America’s economic and social policies — and our nation’s collective future. It is time to embark on a serious and sustained effort to center Blackness and the Black experience as a necessary strategy to ensure economic liberation for all Americans.

  • Centering Blackness demands that we create and design policies and practices that intentionally lift up and protect Black people.
  • Anti-blackness doesn’t only impact Black people; it holds back and harms all Americans and necessitates collective healing.
  • Centering Blackness allows for a completely different worldview to emerge, free from the constraints of white supremacy and patriarchy.

Centering Blackness Framework | June 2020

This essay is intended to provide the reasoning, vision and framework for our collective well-being that addresses the intentional disinvestment, dehumanization, and exclusion of Black people from economic prosperity by centering the Black experience. While not exhaustive in its scope, it is our hope that this initial essay can spark dialogue and encourage community members, advocates, organizers, researchers, writers, and artists to think and act together toward an aspirational goal of centering Blackness as a means for economic liberation for all.

Click here to read the full piece.

Black Thought Project Video

Sponsored by the Insight Center, the Black Thought Project transforms public and private spaces into sanctuaries for the expression of Black thought. The Black Thought Project envisions communities where Black people are given safe spaces to reflect, are listened to and honored for their experiences and perspectives.

Click here to watch the video.


Black Thought Project

We believe the Black experience is sacred. Worthy of protection. The seed of our nation’s healing. The Black Thought Project, sponsored by the Insight Center, creates experiences where Black people can share their perspectives while others witness, protect, and honor those thoughts.

Click here to learn more about the Black Thought Project.

Issue III: Special Series on Retirement Security

Retirement Security: We must plan for tomorrow, so our families can live for today

The final issue brief, “Retirement Security: We must plan for tomorrow, so our families can live for today,” is available now alongside video content, online resources, and planning tools in a dedicated Retirement Security section of the Insight Center’s website.

Authored by Gabriela Sandoval, the Insight Center’s Director of Research and Chief Economic Security Officer, this final installment explores the current work of colleagues and partners in the field of retirement security. Each partner is listed, with information about their organization, key work they have conducted in the retirement security field, and links to relevant reports, articles, tools, and resources.

Read and download the final retirement piece here.

The Color of Wealth in Los Angeles

New study reveals nuanced story of race and wealth in LA

The new report examines wealth inequality across racial and ethnic groups in Los Angeles, shows substantial disparity with Japanese, Asian Indians, Chinese and whites ranking among the top, while blacks, Mexicans, other Latinos, Koreans and Vietnamese rank far behind.

The Color of Wealth in Los Angeles” is the first report to compile detailed data on assets and debts among people of different races, ethnicities and countries of origin residing in the Los Angeles area. Researchers from UCLA, Duke University and The New School, with support from the Federal Reserve Bank of San Francisco and the Insight Center for Community Economic Development, analyzed data on assets such as savings and checking accounts, stocks, retirement accounts, houses and vehicles. Debts included credit card debt, student loans, medical debt, mortgages and vehicle debt.

To download the full report click here.

Issue II: Retirement Security

Retirement Security: We must plan for tomorrow, so our families can live for today.

This second of three issue briefs, “Retirement Security: We must plan for tomorrow, so our families can live for today“. Authored by Gabriela Sandoval, the Insight Center’s Director of Research and Chief Economic Security Officer, this second installment brings several opportunities together to examine the significance of identifying and promoting safe, accessible and portable retirement savings platforms, programs and products. Now is the time to make retirement security a reality for all Americans.

Retirement security—or, the ability to make ends meet as a retired older adult—is becoming less and less attainable. Over the last 50 years, we’ve seen our nation’s promise broken. America’s promise offers a world where something better awaits the next generation, yet far too many ordinary middle and working class families, committed to provide a good life for their children, are still handed dwindling paychecks and made to pay more each day for the basics. American families were just following the rules for success: go to school, work hard, save, and prosperity will be your reward. The most ordinary things—a layoff, injury, illness or divorce— suddenly mean an end to the life they created, the security they were promised for working so hard.

Read and download the full issue brief here.

2017 Annual Report + Newsletters


12/20/2017 – December Newsletter

11/30/2017 – November Newsletter

10/31/2017 – October Newsletter

09/29-17 – September Newsletter

09/05/17 – August Newsletter

07/31/17 – July Newsletter

06/30/17 – June Newsletter

05/31/17 – May Newsletter

05/08/17 – April Newsletter

03/31/17 – March Newsletter

03/02/17 – February Newsletter

02/02/17 – January Newsletter