Programa de la Cuenta Individual para el Desarrollo (IDA, siglas en inglés)
Descripción del programa
Una IDA es una cuenta de ahorro emparejada que brinda a las personas de bajos ingresos la oportunidad de construir activos que les ayudarán a mejorar su estabilidad económica y lograr la autosuficiencia. Bajo el programa IDA, CAASNM proporciona una igualación de ahorros para los compradores de vivienda por primera vez, las personas que intentan iniciar o expandir un negocio, o que desean continuar su educación postsecundaria. Los fondos se depositan en una cuenta de ahorros de custodia en una institución financiera asociada. El monto máximo de los ahorros de los participantes que CAASNM igualará es de $ 1,000 ($ 500 para proyectos especiales). El programa IDA de CAASNM a menudo está vinculado a servicios y programas de capacitación que ayudan a los participantes a desarrollar o mejorar sus habilidades financieras.
Requisitos de elegibilidad
1) El ahorrador que participa en el programa debe tener ingresos del trabajo
2) El patrimonio neto total del hogar debe ser inferior a $10,000
3) El ingreso total del hogar debe ser del 200% o menos del nivel federal de pobreza
4) Al inscribirse, los clientes de la IDA deben completar 20 horas de educación financiera y completar un plan de activos
5) Los clientes de la IDA deben tener al menos 18 años de edad para participar.
6) En circunstancias especiales, Los participantes de la IDA no tienen que tener 18 años de edad. Por ejemplo, bajo la subvención IDA de la escuela secundaria (2012-2017), los candidatos de ida deben ser estudiantes de secundaria de bajos ingresos y estudiantes de último año entrantes que residen en el condado rural de Doña Ana (pero también deben cumplir con los requisitos anteriores).
1) Alguna forma de identificación y verificación de la edad( tarjeta de identificación de Nuevo México, licencia de conducir, pasaporte, certificado de nacimiento)
2) Verificación de la ciudadanía (tarjeta de seguro social, certificado de nacimiento, pasaporte estadounidense, tarjeta de registro tribal)
3) Verificación de la residencia en Nuevo México (factura de servicios públicos, tarjeta de registro tribal, tarjeta de registro de votantes, contrato de alquiler / arrendamiento, declaración de servicios sociales)
4) Verificación de los ingresos ganados de todo el hogar
• Impuestos más recientes del IRS declaraciones
• Tres (3) meses de talones de pago de empleo para todos los miembros del hogar
• Formularios de impuestos de trabajo por cuenta propia, presentaciones de CRS del estado de NM (solo para propietarios de negocios o personas que trabajan por cuenta propia)
Declaración personal de ingresos en el hogar, con información de contacto (solo para propietarios de negocios o personas que trabajan por cuenta propia)
• Carta del empleador que indica el número de horas trabajadas y el salario pagado
5) Verificación del patrimonio neto del hogar
• Estados de cuenta de cheques y / o ahorros más recientes
• Inversiones (reales) patrimonio, 401K, acciones, IRA, otros)
• Prueba de deuda (préstamos y facturas pendientes, saldos pendientes de tarjetas de crédito)
• Condado de Doña Ana
• Condado de Hidalgo
• Condado de Luna
• Condado de Sierra
• Condado de Grant
Muhammad came from Pakistan and found the culture challenging as well as financially, caring for older parents and raising his children. CAASNM’s family financial empowerment program helped him save for college with an IDA and also learn about finances and saving so he could buy a home and pay for his board exams. He is now a 4th year medical student with one semester left. “CAASNM staff were very helpful and like family to me. They helped me get through their program very easily.”
Jessica came to the first day of Kids Can Business Builders determined to do it alone. Our instructors could see no smile or willingness to join a group. As a group we shared what our hobbies are and what we do when we get home. Jessica loves to play video games all by herself after-school. Her favorite video game has a Llama character and is very popular with her peers. She felt like products with a llama would sell well at a Kids Can pop-up market. Then another young lady talked about how much she likes pink flamingos. They grouped their ideas together and created hand-woven “Flamas” and the “Flamaverse” (flamingos and llama together). A new friendship formed and Jessica’s perspective of group work has changed. She is happier and more willing to contribute her ideas in class discussion on business topics and we can see these two girls talking and laughing, eating after-school snack together.
I’ve really enjoyed all of Kids Can, as it has taught me so many valuable skills, from marketing to public speaking and online sales. I always enjoy talking with customers and learning how to read people to find a product they would like. The program has helped me understand people in other aspects of my life, too, and I feel confident. My business has always been a way for me to be creative and try new things
Arabella developed “Shrinky Chains” as her business building project with Kids Can Youth Entrepreneur program, starting in 6th grade. She was recently a community spotlight on local radio stations. She makes keychains and wine glass charms, from symbols of the Southwest to sports teams. She learned marketing and public speaking, as well as marketing, financial management, and logistics.
Her experiences with Kids Can have also given her confidence and independence, which she says have made her more ready to succeed in college.
Alana is a 24-year old single mother of a 4-year old also caring for a disabled mother. She lives in Deming, Luna County, but is facing eviction due to the high cost of her housing. Worse, her family feels unsafe due to continual verbal abuse and harassment.
Alana contacted the CAASNM offices where she was referred to the housing stability team. One of the CAASNM housing navigators started to explore alternate options in Deming,
which is a tight housing market. She interviewed previous landlords that she had worked with on the program, until finding one with a 2+ bedroom lower-rent apartment. She also worked to reassure the landlord about Alana and facilitated their meeting.
Finally, Alana was able to sign a lease and move in, with help finding furnishings.
Thank you so much for empowering our family through the Individual Development Account award. We have increased our credit score, paid off our car and bought a home with an office for our business. Thank you for taking a chance on us and we look forward to updating you on our business ventures.
Annie is a participant in CAASNM’s Child and Adult Care Food Program (CACFP) from Truth or Consequences. She is a grandmother helping raise grandchildren and she also cares for her sick mother. Annie is very thankful for this program because it allows her to care for her mom and grandchildren. She has three grandchildren who live with her and she takes care of four grandchildren that don’t. The program reimburses her for nutritious food for all seven children in addition to her disabled mom.
Annie is a very special lady and has gone through a lot. She has been doing childcare for a long time. She cared for her sick father and then her husband before they passed away and now she is caring for her mom. She took a part time job at night with Walmart in-order to buy Christmas presents for of all her grandchildren, her brother and 18 year old grandson who stays to look after the children and Annie’s mom while she is working. She is a true success because she perseveres with all of her hardships, but with a little help from CAASNM.
A single mother of 3-year-old twins became a client of Thriving Families in 2019, referred by her physician. She was triaged to several community programs, including Aprendamos Early Intervention and HeadStart. She participated in an IDA program at CAASNM to save for education and which also improved her credit score. Her family became COVID-affected and was provided emergency assistance for utilities when she fell behind. Thriving Families continued its whole family approach to assist Bernice manage her family and also achieve her educational goals; she graduated with a degree in physiology from NMSU and will continue to her Master’s Degree.