Northwest New Jersey Community Action Partnership
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Program of the Month
IDA/Family Loan Program
NORWESCAP has been offering the Individual Development Account (IDA) Program - Dollars To Dreams since 1999.  This asset building tool program designed to enable low-income families to save towards a targeted amount usually used for building assets in the form of home ownership, post-secondary education and small business ownership. This most successful program works one to one with individuals with credit, budgeting, goal setting and of course asset accumulation.  One Hundred and ninety program enrolled participants have saved over $345,000.00, and with their savings their asset purchases total over $9,854,000.00.

These assets included first time home buyers, small businesses including photography, pet sitting and cleaning services, and higher education included individuals receiving bachelors and master degrees.

NORWESCAP’s Family Loan Program was established in 2001 to serve working individuals and families that might need a small loan to maintain their employment.   This proven, innovative program provides small loans to low-income working families who cannot get loans elsewhere.    It is based on the premise that life’s unpredictable challenges – like repeated car breakdowns or child care difficulties – can easily plunge a family living on a marginal income into crisis and unemployment. 

By providing a combination of small loans and financial literacy counseling, the program provides help when a shortage of money threatens a family’s ability to remain employed.  The Family Loan Program has loaned out over $550,000.00 with a current default rate of under 5%. 

Northwest New Jersey Community Action Program Inc.
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News and Upcoming Events

Educational Grants - 2018-12-31

Financial Literacy Program - 2018-08-20

Financial Literacy Program - 2018-07-26

Financial Literacy Program - 2018-07-19

Celebrating 20 Years - 2018-07-09

Keys to Succeed in Today's Labor Market - 2018-06-21

[see all news and events]