Episode 42: Greenline Housing Foundation

I love to learn and I love to meet new people who teach me. Most especially, I love to learn from risk takers who take on some of society’s biggest challenges head on and look for a solution. This week’s guest is a perfect example. Jasmin Shupper, the founder of Greenline Housing Foundation is a dynamo and a woman on a mission to combat the age old practice of redlining. Her mission is to offer financial assistance and continued support to people of color who wish to be homeowners.

Join us today for an informative conversation about redlining, if long term effects and what Jasmin and her nonprofit are doing to create lasting change.


Here are a few highlights from our conversation:


Charity Matters: Tell us a little about what Greenline Housing Foundation does?

Jasmin Shupper:  Greenline Housing Foundation gives grants to qualified people of color to purchase a home. Specifically for the purpose of reversing the effects of systemic racism and housing, through practices like redlining, blockbusting and steering. We facilitate access to homeownership for people of color who were previously very intentionally and legally prevented from from homeownership. We strive to really close that gap, close the racial wealth gap, facilitate access and provide financial education. And we can make sure that our our homeowners are not only set up well to purchase a home, but also to thrive once they’re in their home. Our goal is to seek to just facilitate access, close the racial wealth gap and repair what generations of systemic racism and housing have broken.

Ceasar and Bonnie’s Story from Greenline Housing Foundation on Vimeo.

Charity Matters: What was the moment you knew you needed to act and start Greenline Housing Foundation?

Jasmin Shupper:  I like to say that Greenline is the culmination of many years of lived experience and education and everything that just kind of converged. One day Greenline was born.  I’m  a real estate agent here in California. As I was studying for my exam, I was struck by the fact that it wasn’t until 1968 that it became illegal everywhere to discriminate on the basis of race and the sale financing and leasing of real estate. My mom was alive in 1968 and that’s not that long ago.

In 1967, it was legal to say I’m I’m not going to lease to you, or I’m not going to sell this property to you because you are a person of color. So that really, really struck me. I think that we learn this history to some degree but learning  the implications of that and what that means,  in my real estate practice.  Going back even further than 1968, things like the FHA refusing to ensure loans made to people of color. Learning the economic legacy that is afforded through homeownership. Then juxtaposing that with the reality of how intentionally people were kept from homeownership at a time when homes realized the biggest depreciation left a huge impact.

I’m the Business Director of this church where I’m managing the budget and really learning the ins and outs of nonprofit management. That’s when I kind of was feeling the stirring of all the pieces coming together. Then one day, I was doing a devotional, it was Psalm 82. That was my swift kick in the pants when I was trying to decide, what was next? What to do with this burden that I felt for so many years?  And Psalm 82 gave me my answer. I absolutely knew.

Charity Matters: What are your biggest challenges?

Jasmin Shupper: Our tagline is restoring justice one home at a time. And that’s really important because if I get too caught up on the magnitude of what we’re trying to accomplish, it can be paralyzing, right? If I focus on one home at a time and even recognizing the rippling effects of that one home at a time in terms of the the generational legacy helps to make it seem less daunting.

Charity Matters: What fuels you to keep doing this work?

Jasmin Shupper: My faith component is deeply helpful for me. Another thing that fuels me when just feels so big and I wonder how am I ever going to do this? Who am I? I’m just one person is just reading the statistics and learning the history, and how blatant it was, and just the burden. That’s the only word that I can really use to describe that is just a burden to do something about it is what keeps me going.

This deeply held conviction that something has to be done. There needs to be some justice because of how blatant, insidious and rampant discrimination was in housing.

Charity Matters: Tell us what success you have had and what your impact has been? 

Jasmin Shupper:  In terms of successes, the money that we were able to raise before we had a website. Just me, painting the picture, casting the vision and giving the why, of why we exist in raising these funds. And you know, we started to have a couple of applicants here and there.  We wanted to have the infrastructure and be able to sustain the volume, but had a couple of applicants came in.

We did the interviews support, they submitted all their supporting documentation and we took a board vote. They were poster families for what our program is intending to accomplish. When I communicated to them, that they had been awarded a grant and the grant amount, they broke down in tears.  It’s really, really beautiful.  Now they are homeowners and they have three kids. What that’s going to mean for their family was one of our biggest and earliest success stories.

Charity Matters: If you could dream any dream for your organization, what would that be?

Jasmin Shupper: I think at first pass our dream is to raise millions and millions of dollars and have this humongous impact for so many families of color to change the trajectory of the legacy.   So that’s the dream, the big scale impact multiple families in different regions and specifically the cities where redlining was most egregious.  I have a map of cities where I would love to  give grants in those cities that were the biggest culprits of redlining and housing injustice. So that’s a big dream of mine.

When I’m really, really dreaming big it has to do with raising money, multiplying impact for all the people in all the houses. So it’s about the the what the participation in this looks like. I would love to have banks participate in this initiative, real estate agents, brokers, and specifically real estate investment firms. I think to invite participation from those institutions that have wielded power. If we’re being honest, historically have kind of perpetuated the injustice on some level in terms of loans and to now invite them into participating in the repair. Getting somebody into a home takes a village. So to invite these players to really magnify the participation among these institutions and groups is just such a big dream of mine.

Charity Matters: What life lessons have you learned from this experience?

Jasmin Shupper: So many lessons, I think one is that I am only one person.  The importance of surrounding myself with with good people.  Allowing people to help that are passionate about this as well and not thinking that the whole thing rises and falls on me.  I’m holy responsible for the failure or success of this.  Just inviting people in to help accomplish the mission is a really, really big thing that I have learned.

I think I have a view of hope and a way that I maybe didn’t have to the same degree before.  I saw people giving to this initiative based on a phone call that I had with them.  They didn’t know who I was and had never met me. I painted this vision.  They mailed a check for $10,000 based on that conversation.  We then took that $10,000 and directly applied that to a grant for somebody in a very practical and tangible way. I just think  it restored my hope in the goodness of people even and in humanity.



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A rabbit hole with a message

Have you ever had an afternoon where you just can’t focus? After a week of our leadership camp, I found myself meandering on social media. My LinkedIn feed presented an article from a mutual connection I didn’t know. Before I knew it I had gone down a tech and time rabbit hole in search of more.

The initial hook was an article about a Subscription Box that teaches children to volunteer. You can see why I was instantly engaged? Of course, I now needed to know more about this person that shared more than a few mutual friends on LinkedIn.  Her name was Jessica Jackley and she is best known as the co-founder of Kiva.  The nonprofit micro-lending organization that literally changed the face of philanthropy as well as how we look at poverty.

Kiva lets users lend as little as $25 to individual entrepreneurs, providing borrowers affordable capital to start or expand their business. Since its founding, Kiva has facilitated over $1.5B in loans worldwide. I knew her name sounded familiar…Before I knew it I was sucked into Jessica’s 2010 Ted Talk called, Poverty, money, and Love. You will be too because Jessica touches your soul in her authentic quest to make a difference.


For those of you not going down the rabbit hole with me, Jessica talked about three things near and dear to my heart. First,  entrepreneurs….hers are from third-world countries and mine are nonprofit founders but close enough. They are both people working hard to make life better for others. Second, the importance of community which is what all nonprofits build.  Lastly, we both agree that people are innately good. We all care and want to help but so often do not know-how. Ultimately, Jessica reminds us that it is a simple fact that caring gives us hope.

The next time you end up going down an unknown technological path, be open to what you may discover at the end of the journey. You never know what message is waiting for you.

Wishing you all a festive holiday weekend. Happy 4th of July!





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Kula Project

Have you ever heard the expression one thing leads to another?  That expression has never been more fitting than with my introduction to the amazing Sarah Buchanan Sasson. You may remember a few weeks back the fantastic conversation with Cause Bar founder, Kristiana Tarnuzzer?  Well,  Kristiana suggested that I connect with Sarah, who is the founder of, a nonprofit that focuses on eliminating poverty by developing female entrepreneurs in Rwanda. Sarah’s life is the perfect example of the expression, one thing leads to another. I can’t wait to share her incredible story and journey from suburban Atlanta to Rwanda. Our conversation was as inspirational as she is…..

Charity Matters: Tell us a little about what Kula does?

Sarah Buchanan Sasson: We help women in Rwanda build and grow businesses. We do that with both coffee growers and artisans.

Charity Matters: What was the moment you knew you needed to act and start  Kula?

Sarah Buchanan Sasson: In October 2008, I was living in Atlanta and went to a conference that had an African children’s choir. The first moment they started singing I had a come to Jesus moment. A little girl spoke about her hardships but she had such an inner light that was so outward.  I remember the moment so clearly.  At that moment I knew I had to go to Africa. That day I signed up to go to Kenya through a volunteer program for a mission trip. I didn’t even have a passport.

In April 2009, I was on my way to Kenya. It was my first time out of the country and it was really really hard. I was out of my comfort zone in every way. I went with a dental mission team and had no dental experience. I came back and had expected a transformative experience that didn’t happen. So I just went on with my life. A year later the same volunteer group was going and asked me to join them. I used money as an excuse not to go and shortly thereafter I received a note that an anonymous donor had paid for my trip, so I went back.

One year later, going back to the exact same place and seeing that nothing had changed for these women, I just saw the stagnation of their lives. I realized that poverty was about a lack of opportunity. Growing up in the South you think that people are poor because they don’t work hard.  I realized that poverty is not about being lazy but about a lack of access and lack of opportunity, not about not having money. I came home from the trip changed. 

 After going to Kenya in 2009, I changed my major from pre-law to International Development with a focus on African politics. I never thought about starting a nonprofit but began interning for other nonprofits. So many of the programs I was working with were not engaging the people they were serving. I began looking for organizations that did that and when I couldn’t find one decided that we should start our own. We started Kula in May of 2012.

I originally thought the more places we were in the more legitimate we were so we had programs in downtown Atlanta with homeless communities, Jamacia and in Kenya. Not a single one of those programs worked. I sold my car to fund the program in Jamacia and the program failed. I was working two jobs to try to fund all of these projects across the globe. Two years in and we were ready to quit.  Since we had sold everything and were planning on leaving the continent of Africa forever, I suggested we take one last trip on our way out of Africa to Rwanda. I remember thinking that this was going to be the greatest adventure of my life.

Charity Matters: Why Africa? More specifically, why Rwanda?

Sarah Buchanan Sasson: I had taken a class called Global Issues where we had an entire segment on the Rwandan genocide. It blew my mind about what I was learning about the genocide and how little we discussed it in the United States.   I had always wanted to go to Rwanda and thought we should go since this would probably be our last time on the continent.  I had this image in my mind that it was a place of destruction and then we got there and it was beautiful. It reminds me of Southern California. The food was great, the restaurants were great and I remember being so shocked and then feeling so guilty that I had had this horrible vision of this beautiful place. I honestly couldn’t believe what these people had overcome on their own.

We met with a coffee company that took us out for a few days. We were meeting with all of these incredible women who told us their stories survival and during the genocide.  They had overcome these things that most people can not imagine to be true.  Now all they wanted was to grow more coffee and better coffee to have an opportunity to sell it so they could afford to educate their children. These women believe that if they educate their children there will never be genocide again. That for me was my real moment.  I knew my quitting wasn’t an option. At that moment I knew that if these women can survive what they have been through then I could too.  

That was when we realized we needed to focus on women and to listen to what they needed. From that moment on all of our programs were designed by the women the programs were intended to effect.  That is why our first two years had failed. We went into communities and told them what we thought was best for them.  All those early mistakes we had made are the only reason our programs are working today, those mistakes are what taught us how to be successful. We relocated the Kula Project to Rwanda and now we have a staff of 23 and only three are American and we give all of our success to our Rwandan staff.

Charity Matters: What are your biggest challenges?

Sarah Buchanan Sasson:  I think like all nonprofits, fundraising. It is really hard to compete, it’s hard to stand out and everyday everyone thinks there is a new problem that we need to be addressing. We are constantly trying to find ways to break through all the noise and to become sustainable on our own.  We work with women who make baskets and grow coffee, they already have a product so let’s sell it. We are looking more and more about getting into the coffee space, hoping we can stand out with our story. When we sell our coffee directly to roasters our hope is that one hundred percent of the purchase would go back to Kula and fund the ladies that grew the coffee. Our goal is to be fifty percent sustainable by the year 2021 on our own.

Charity Matters: What fuels you to keep doing this work?

Sarah Buchanan Sasson: The work is hard. I have one thousand women and their families who depend on me to send their children to school and to eat. You feel guilty because you’re tired and you are working to support people who survived the genocide.  I’ve learned that I can’t compare my life to theirs.  Burnout is real when you give and give.  I have learned that in order to keep giving I need to find a way to recover and to differentiate myself from the organization.  

We have been doing this work for seven years and I have learned that I need to take solo road trips and love being out by myself inspired by nature. It really refuels me and gives me space to be inspired and feel in awe of nature. That gives me new ideas for our business and I have come up with some of our best campaigns.  

Charity Matters: When do you know you have made a difference?

Sarah Buchanan Sasson: I feel that most of us in the nonprofit space have a hard time celebrating those moments when all we usually see is what we need to do that is ahead.  I am really working on trying to pause and celebrate our wins. I know we have made a difference when I listen to the women tell stories of their lives. We have very clear goals for everyone in the program. We give these women skills to make a living we also do so much more. We train them, then they complete financial planning, family health and nutrition, gender equality, mentorship, business management, and community leadership classes. After that, the women submit a business plan and we invest in those who have invested in themselves and then measure our impact. 

When the women talk about things that we didn’t set out to change I am always surprised. One unexpected impact was a huge drop in domestic abuse. We do a number of in-home training and one woman told me that the more we come to visit her the more her husband stops beating her. That story created gender equity training for all the men in the households and while we do not set out to change the culture this one we needed to put an emphasis on. Being able to be a part of this changing conversation was something we really didn’t expect.

Charity Matters: Tell us what success you have had? What has your impact been?

Sarah Buchanan Sasson: We started in Rwanda five years ago, and our first year we planted 5,000 coffee trees. These coffee trees take three years to produce, it is such a long term investment. We planted over 100,000 coffee trees in the first five years.  By the end of this year, it will be 170,000 trees that we have planted.  We have done over 4,000 one on one training and over 3500 hours of one on one trainings. We took all that we had learned and put it into a fifteen-month fellowship program where they learn about coffee farming and artisan training in addition to all their classes, having access to formal banking and a multitude of training and classes. This class is our first official graduating class. 

We launched our first impact analysis and discovered that before the Kula Project of the 474 women we spoke to zero of them had a savings account and now 87% of the women have savings accounts. We conducted pre and post analysis and learned that before Kula  12% of women were afraid to speak their mind and now 93% of these women feel confident enough to speak their mind. It is the biggest compliment. 

Charity Matters: What life lessons have you learned from this experience?

Sarah Sasson: The biggest life lessons I’ve learned is that what was supposed to be feared is what is supposed to be learned. Travel changes what is true. You think things are the way they are until you see them in person.

Charity Matters: How has this journey changed you?

Sarah Sasson: I would have never considered myself a tenacious person but when I looked at trying to empower the success of others you look at your ability to not to quit differently. I do not think I am not the same in any way since I started. There is nothing about myself that is the same.  My views have changed. How I see the world, how I see people struggle and how I understand poverty all of that is different from being in it so much.

Charity Matters: What is your Wish for Kula Project?

Sarah Sasson: I want to see a generation of Rwandans doing great things. We want our ladies to know that a better future is possible and we believe in them and we believe that will directly translate to their children. My biggest dream is that in twenty years I am at University graduation with one of our ladies who was able to put her children all the way through university because we empowered her. That we not only helped her build a business but that we helped her create a vision that she even believed that was possible for her family. I think that the ultimate wish is to watch the next generation of Rwandan girls not even have to be told they can do it because they were raised in the very beginning believing that was possible. 


Charity Matters

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Tory Burch Foundation

Its Spring! With newly bursting blooms, spring break and spring fashion well, it makes me think of endless opportunities. Spring is just that, it’s about beginnings.

Tory Burch’s story is one of new beginnings as well. Yes, she is a mother of three, an entrepreneur, the CEO and CCO of her famous fashion line but she is also the founder of the Tory Burch Foundation, a non-profit that she launched in 2009.

When creating her business plan she incorporated a plan to give back and to empower other women entrepreneurs through micro finance loans. Her own experiences as a working parent, created a belief that one of the most powerful ways to create change is to economically empower women.

Women are the majority of poor citizens in the United States, with 13 million women living in what the Census Bureau calls “deep poverty”. Single mothers are at the highest risk of poverty and are the most likely to be self-employed entrepreneurs.

 (click link to see CBS news feature on Tory & her non-profit)?id=6160701n&tag=api

The Tory Burch Foundation’s partnered with, ACCION USA, to provide the loans and financial services small business people need to succeed. ACCION USA is a microlender in the United States, that provides loans from $500 to $50,000 to more than 11,000 small businesses nationwide. ACCION USA serves low-to-moderate income clients; 40% are women.

The next time you see the infamous T label, realize that it’s so much more than a shoe or a belt, it is providing thousands of new beginnings to women all over the country. Charity Matters.

Copyright © 2012 Charity Matters. This article may not be reproduced without explicit written permission; if you are not reading this in your newsreader, the site you are viewing is illegally infringing our copyright. We would be grateful if you contact us.


The other day I came home to find a picture of a woman on my husband’s computer screen.  No, it’s not what your thinking but I must admit I was curious.

I asked my husband who this person was and he proudly claimed that he had just given this woman, Ana a loan.  To understand how shocking this is you have to know my husband. He is a generous soul but likes to give to things that affect him and our family (kid’s school, local hospital and community-oriented giving).

This woman was a widow with two children from Costa Rica who needed money to buy chickens.  She would then sell the eggs to support her family. Through an organization called Kiva, which provides microfinance, he was able to help this woman with a loan, not a donation.

Kiva believes in a world where all people- even in the most remote areas of the globe- hold the power to create an opportunity for themselves and others. The smile of pride on my husband’s face told me he believes this as well. The power of one is indeed powerful.

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See whats hatching in Boston

Since its summer time, our family is heading east this week to Boston. I asked a friend from Boston if there is any cause dear to her heart that I should see, her response, One Hen.Org

Truly a great story about a few women taking their children’s book, One Hen, and turning the book’s message of microfinance into a real-life non-profit.  The book is a story of a West African boy who receives a loan to buy a hen and becomes an entrepreneur in the process. It is the story of one person creating change for himself, then his family and ultimately for his community.

The beauty of this real-life story is how one book, one message and one author can create change for thousands of children.

Click here to see for yourself.

True life imitating art in the most beautiful way.

Copyright © 2011 Charity Matters. This article may not be reproduced without explicit written permission; if you are not reading this in your newsreader, the site you are viewing is illegally infringing our copyright. We would be grateful if you contact us.