next, we have the ceo of ne community federal credit union. since 1988, she has been the ceo of northwest community federal credit union. under her watch, the credit union group to over 1600 members. it has become the national model for institutions seeking to provide financial education and banking services to the low- income communities. last but not least, we have our conditional lender represented here by wells fargo. mark cyrus is the senior fda banker for the region -- the senior sba banker. he held businesses choose the best loans for the growing business and focus on a comprehensive understanding of their goals for their business. mark is responsible for helping entrepreneurs with sba loans every step of the way. i would like each of you to speak a little bit about what your organization does and, more importantly, address the audience here and let them know what your looking for when you are hoping to fund their loan. we will start with you, mark. >> absolutely. thank you. i want to thank speaker pelosi for putting this together. i wan

. >> i am the ne community federal community union. we are like a bank except we are nonprofit. we are 501 c 14. we are insured up to 250,000. we build credit. what we do a lot is one-on-one counseling. we are also a part of the bank of san francisco, so we do pay their lending -- payday lending. we help people build up their credit before helping them to get a bigger loan amount. especially people who want to start a small business. credit unions offer micro loans. we do a lot of micro loans up to $50,000. this is -- we check credit. we need a business plan. then we look at the three-year tax return and that statement. we do a lot of home care and mom-and-pop shops. we also do start ups. we asked for approval through documents. we work a lot with people who do not know how to file taxes properly. we are mainly focused in san francisco. we are small. we focus mainly on the tenderloin, chinatown, bayview, visitation. we do a lot of expansion. people start small through the credit union and then want to go to the bank. we know we are limited. we cannot afford to give out a big loa

. >>> a coalition of community unions taking aim at the city of san francisco. why they are up in arms ok, kids, our cable will let us record one more show. who should get it? i really love jennifer. yeah, she's great. yeah. yeah. kyle's got that thick head of hair. and that should be rewarded. ok, moment of truth. on "three," say which kid you love the most. oh, fun, yeah. 1...2...3... jennifer. jennifer. whoa. wow. ha! she's so pretty. yeah. or, we give it to kyle. it's really all he's got. [ male announcer ] switch to at&t u-verse and record four shows all at the same time. just $29 a month for 6 months. at&t. just $29 a month for 6 months. schwartz. arthur boone, christa and jeffrey beecher. vote now at ktvu.com/cox conserves heros. >>> the santa clairey district attorney said one of the most notorious criminal cases has now been solved. she died ten years ago. the keys to a break in the case, 27 distinct, and colorful rug finallers found in nasmeh's jeep. test results proved he killed harms and hit her body in the rug. >> this is not like finding a needle i

. >>> a coalition of community unions taking aim at the city of san francisco.hy they are up in arms about what at&t wants to do. >>> beyonce, gets black listed. >>> this year's finalist for our heros have been chosen. nathali moorehead, susan schwartz. arthur boone, christa and jeffrey beecher. vote now at ktvu.com/cox conserves heros. >>> the santa clairey district attorney said one of the most notorious criminal cases has now been solved. she died ten years ago. the keys to a break in the case, 27 distinct, and colorful rug finallers found in nasmeh's jeep. test results proved he killed harms and hit her body in the rug. >> this is not like finding a needle in a haystack. this is like finding a needle in a stack of needles. >> in january, jeanine harm's brother shot and killed nasmeh and killed suicide. >>> the family of a woman killed eight years ago is hoping to find her kill. she and her friend were shot in april of 2003, while walking along huntwood avenue in hayward. her mother says her family needs some answers. >>> several community groups are suing th

attack on a lot the pillars of working class britain industries that sustained a lot of communities institutions trade unions council housing values in communities were very strong like solidarity in favor of good individuals and by the end of the eighty's there wasn't the same sense of being being able to be proud of being working class everyone supposed to seem to become middle class you know that that's what aspiration means in britain so because of all that was that the working class became betrayed in a very negative way particularly as we became all equal and then i'm all equal society people justify that inequality by saying well actually the people at the bottom of that because they deserve to be there the lazy the violent bigoted stupid is a justification for inequality and that's not to say they want social problems in this country like drugs and crime or whatever but the real info. people narcs of work in some of the communities worst affected fact by the top of the thirty four employed people facing chasing every drop so i think problems what we saw last week another a whole range of other social

nationwide, the coop has 64,000 members, and its profits have paid for community wells, credit unions and schools. it's hardly made anyone rich. fair trade does not have a fair share of the chocolate market. kuapa accounts for just 5% of cocoa growers in ghana. >> we need more money from you. >> people in rich countries need to buy more fair trade ocolate, he says, even as i discover that he got his first taste of it very recently. >> how old were you when you first tasted chocolate? >> i was 48 years. >> you were 48 years old? life is still tough, but kojo tano is much more optimistic about the future. he only went through eighth grade, but his six children are being educated. the two oldest are away in college. >> when i grow old they will look after me. >> this is the best times to be a young person in ghana. >> that optimism is echoed in the capital, especially among yong people. >> there's the oil find, vodafon has just come to settle, there's kpmg, there's price-waterhouse, there are all the giant multinational companies coming in. the opportunities are just overflowing. >> whet

finally, you can wring more value out of your savings by moving your money to a community bank or credit union. while rates aren't significantly higher, you'll find fewer fees and penalties, which means more money in your pocket. the majority of credit unions offer free checking accounts with no strings attached. that's a good deal any time. i'm donna rosato. >> tom: we have for on the breaking news from apple. steve jobs has resigned effective immediately. jobs of course has been out on medical leave since mid january. in a letter to apple's board, jobs see he can no longer meet the duties and expectations as chief executive officer. he's 55 years old, the co-founder of apple. he was elected chairman of the board. the current number two at apple, tim cook, will take over as c.e.o., and of course we'll have under on this story tomorrow. that is "nightly business report" for this wednesday night, august 24. i'm tom hudson. have a great evening, suzive. >> susie: same to you tom. i'm susie gharib, thanks for watching everyone. captioning sponsored by wpbt captioned by media access group at wgbh

into the agency dna come extensive outreach to small financial institutions such as community banks and credit unions. we believe in the importance of financial services marketplace where small providers can thrive. we will work to reduce regulatory burden on small financial service providers wherever possible, and we can take as an example disclosure reform. we'll understand lenders deep frustration with the current mortgage forms required by federal law. they are complicated come sometimes duplicative, and more costly than the need to be. as we have solicited feedback from thousands of consumers, lenders and brokers to make the disclosure simpler to use and easier to complete. minimizing regulatory burden will continue to be a pretty for us. often a regulation is not the best answer to a problem. congress has given many different tools to address problems and consumer financial markets and we will strive to address problems as we see them as effectively as we can and to the least burdensome means available to us. in addition we will consider the potential benefits and cost of the proposed regulatio