Andy Posner founded Capital Good Fund while getting his Master of Arts in Environmental Studies at Brown University, where he was studying financing mechanisms for clean energy. After reading Banker to the Poor by Dr. Muhammad Yunus, the 'Father of Microfinance' and Founder of Grameen Bank, he quickly realized that equitable financial services could unlock the potential of the poor just as they could do the same for clean energy technologies. At the same time, as the financial crisis of 2008 began to unravel the economy and devastate low-income communities, Andy decided to take action. He created Capital Good Fund with an eye toward using financial services to tackle endemic poverty, first in Rhode Island, and then nationwide.
Andy is a firm adherent of Dr Yunus' dream to put poverty into museums; or, as Andy likes to put it, to put poverty out of business. Andy's work has been featured in Providence Business News, the Providence Journal, the Providence Phoenix, the Federal Reserve Bank of Boston's quarterly publication, the Rhode Island Small Business Journal, CNN and other print, radio and television media.
Andy is a co-founder of Lend for America and a member of its advisory committee. He has published his ideas in the Huffington Post, Treehugger.com and the Stanford Social Innovation Review, to name a few examples. He was also selected as a 2013 American Express Emerging Innovator (one of 45 globally). When pressed to describe himself, he'll say that he is a pragmatic idealist who believes that creative business models, advanced data analytics, and a mix of market and mission-centered forces can lead to dramatic social change. When not at work, Andy likes to blog, write poetry,read and bike ride; in fact, in 2005 rode his bicycle 3,800 miles across the United States.
phone: 866-584-3651, Ext. 105
Libby joined the Capital Good Fund team in 2010 as an AmeriCorps VISTA member. During her year of national service, Libby served as Head Loan Officer; launched our free tax preparation program; and oversaw the rollout of our Financial Coaching curriculum. Since the completion of her service in 2011, Libby has played increasingly important roles within the organization. For instance, between 2012 and 2014, Libby oversaw the rapid expansion of our free tax preparation, making us the fastest growing free tax preparer in the state, and a leader nationally in integrating asset-building strategies. She has also taken the lead on the improvement of our data systems: managing the switch to Salesforce.com; rolling out a robust loan tracking system; and developing social impact tracking infrastructure. Libby is now second in command at Capital Good Fund, and works closely with our ED on strategic planning, budgeting, and program evaluation.
phone: 866-584-3651, Ext. 104
Cameron attended Quinnipiac University in Hamden, CT and it was there she gained her love for microfinance. Through a unique class her senior year, Cameron traveled to Nicaragua to meet with and award three entrepreneurs with microloans for their small businesses. Upon graduating in 2010, she moved to San Jose, Costa Rica to spend a year championing disarmament, peace education and demilitarization in Latin America. She was fortunate enough to spend a week campaigning at the United Nations with this organization, and her love for the non-profit world was solidified! Cameron is also a certified Community Health Worker trained by Partners in Health, The Community Health Workers Association of Rhode Island and the Women's Health Leadership Institute.
Cameron spent a year with Good Fund heading up the Financial Coaching program, and loved it so much, she decided to bring the Good Fund model to her home state of Connecticut! Her passions outside of Good Fund initiatives include vegetarian cooking, scrapbooking, playing tennis and exploring nature.
phone: 866-584-3651, Ext. 106
María José Carranza Da Silva, originally from Guayaquil, Ecuador, moved to the United States at the age of 15. She has always been passionate about helping others and committed to the mission of making the world a better place to live. She attended Bryant University in Smithfield, RI where she earned a degree in International Business and minored in Latin American and Latinos/as studies. Her strong interest in business and the humanities was the main drive for her to join the Capital Good Fund team. Maria also has true passion for cultures and languages which encouraged her to study abroad in Salvador, Bahía (Brazil) and participate in several projects nationally and internationally such as a service-learning project in the Dominican Republic sponsored by Bryant University.
Maria is fluent in Spanish and Portuguese, and leverages her skills as she manages Capital Good Fund's loan department. Working with a team of loan officers, underwriters, customer service representatives and marketing associates, María ensures that the organization's lending goals--number of loans and portfolio performance--are met, while continuing to ensure strong and lasting social impact.
phone: 866-584-3651, Ext. 101
After graduating from Arizona State University with a degree in graphic design, Charles moved to Rhode Island. Seeking a meaningful line of work, Charles started at Capital Good Fund as the organization’s Creative Officer, managing Good Fund’s image through print, web design, and video editing. Charles’ work also extends out to Good Fund clients, as the organization provides design services to our graduated entrepreneurs. In addition to creative processes, Charles’ basic needs include *time outdoors* and chocolate milk.
phone: 866-584-3651, Ext. 107
Originally from Manhattan, NYC, Quetrin moved to Providence, RI in '93 after being a victim of Hurricane Andrew. Quetrin is the daughter of Dominican-born parents, and a single mother of three teens (Alex 15, Jolany 13, and Joel 11). She first discovered her passion for helping others in '95 when she volunteered for a program for under-privileged children called Project Outreach. Quetrin canvassed and campaigned for Libby Kimzey for State Rep. and for James Diossa for Mayor of Central Falls in 2012. While working for Libby's campaign, Quetrin heard about Good Fund and its mission for the community and decided she needed to be a part of it. In her spare time, Quetrin makes music, promotional work for events, and spends time with her children. Quetrin has a passion for history and ancient cultures and societies, but the one thing she enjoys most is relaxing with a great book and a nice cup of warm, delicious tea.
phone: 866-584-3651, Ext. 109
Jose Fonseca started as the Data Analyst at Capital Good Fund in the Spring of 2013. He has an interest in issues related to entrepreneurship, education, and good governance and has a knack for technology and research. He spent the summer of 2010 at the Dubai School of Government supporting research related to education, entrepreneurship, and urban growth. In 2012, Jose helped identify workplace productivity issues at federal agencies while working at the Partnership for Public Service. Jose hails from Southern California, where he earned a bachelor’s degree in Business Administration from California Lutheran University, and a Master’s of Public Policy from Pepperdine University.
phone: 866-584-3651, Ext. 110
Rachel is an adoptive Rhode Islander who graduated from Providence College in 2012 with degrees in Global Studies and Art History. Her studies cultivated a desire to work for social justice and change in communities both local and abroad. Prior to joining the Capital Good Fund team, Rachel served as an AmeriCorps VISTA at the Community College of Rhode Island where she gained operational management experience. Like her role model, Indiana Jones, Rachel is always searching for a new adventure and her previous exploits have included participating on an archaeological dig in Belize and backpacking through Guatemala.
phone: 866-584-3651, Ext. 114
Joselyn started out with Capital Good Fund as a participant in the FC+ Schools program. Seeing the benefits of Financial Coaching PLUS, she decided she wanted to get involved. As the Scheduling Coordinator, she facilitates enrollment in our Coaching services, arranges meetings with Loan Officers, and helps other Rhode Island families get started with Good Fund and better their lives!
Muna moved from Atlanta, Georgia to attend Brown University and graduated with the class of 2014, with dual degrees in Africana Studies and Slavic Studies. Her interdisciplinary work has included writing plays. This is her first year as an AmeriCorps VISTA but her second year working at Capital Good Fund. In addition to being a Financial Coaching Fellow at Capital Good Fund, she was an English language consultant serving Brown international graduate students. She loves new languages, different cultures and exciting foods. In her downtime, she likes well-written scripted dramas, throwing dinner parties, and shopping her feelings.
phone: 866-584-3651, Ext. 121
Elijah was born in Charleston, South Carolina, but has called Rhode Island home for the past nine years. In 2013, he graduated from Brown with a degree in psychology. He spent the next year and a half in Providence's labor movement advocating for safer workplaces, a living wage, and greater protection for working mothers. Watching his co-workers and comrades struggle with poverty motivated Elijah to join AmeriCorps, which led him to Capital Good Fund. In his spare time Elijah enjoys crosswords, exploring, trying new food, and '90s teen movies.
phone: 866-584-3651, Ext. 113
Nicol was born in Dominican Republic and raised in Brooklyn, NY. In 2004, she joined the banking industry in Florida working for JP Morgan Chase. Starting as a teller, Nicol diligently worked her way to Senior Financial Personal Banker where she was then awarded “Employee of the Year” in 2007 and 2008. Nicol has since left the corporate world to pursue her ardent passion for helping others. Aside from her enthusiasm in serving the community, Nicol loves gardening and travelling with her family.
phone: 866-584-3651, Ext. 112
A member of the College of the Holy Cross class of 2014, Laura was born and raised in Western Massachusetts. While majoring in Spanish with a Latin American and Latino Studies concentration, Laura developed a passion for the people and places of Latin America, especially Peru, where she spent the first half of her junior year. During her time at Holy Cross, she had various opportunities to participate in immersion trips to various parts of the United States as well as El Salvador. These immersion experiences, combined with several classes and numerous volunteer opportunities got her interested in issues of social justice and inequality, which led her to make a career in the nonprofit sector. In her spare time, she enjoys riding and competing with her horses, cooking any kind of food, and spending time with friends and family.
phone: 866-584-3651, Ext. 115
Ashley Gardner graduated from Santa Clara University with degrees in Accounting and Spanish Studies. Since then, she has worked in public accounting, taught English in Spain, and served in the Peace Corps in the Dominican Republic. While in the Peace Corps, she taught financial literacy and business entrepreneurship skills to women and worked with a women's federation that had a rotating fund. She is excited to be part of Capital Good Fund's team and to continue her experience working in microfinance.
phone: 866-584-3651, Ext. 108
Patricia Rivera is a single mother of five sons and daughters and a grandmother of five more. She is a recent honors graduate of the College of Continuing Education at University of Rhode Island’s Providence Campus, where she majored in Psychology. Patricia was born and raised in New York City, but moved to Rhode Island in 2002 to work as an Americorps VISTA to help improve literacy for select students in the Providence schools. The bulk of her work has been in community service and advocacy through various community centers and nonprofits. Patricia is honored to be a part of the Capital Good Fund team and very enthusiastic about starting work on this great project.
Originally from New Jersey, Michael came to Providence in 2010 to attend graduate school at Brown University. He received his Masters in physics in 2013. While working toward his Ph.D. in nanomagnetics, he became interested in the application of the data analysis techniques he was using to problems outside of physics: especially those involving predictive models incorporating human behavior. He also wanted to see if there was a way to use analysis to have a more direct, positive social impact. This led him to microfinance and to Capital Good Fund. He’s super excited to be here; to be part of the underwriting department; and to finding out new ways to use data analysis techniques to maximize the benefits Capital Good Fund can bring to our clients, and to the community. Outside of work, Michael enjoys playing music, distance running, cycling, watching foreign films, and making liquid nitrogen ice cream.
phone: 866-584-3651, Ext. 117
Jeniffer is originally from the beautiful, sunny, twin island of Trinidad and Tobago. As time went on, she migrated to the U.S. in search of more opportunity. She lived and worked in Boston, Massachusetts before moving to Rhode Island in 2002. Jeniffer is married and has two sons, Nathaniel (12) and Joseph (10). She has an Associate’s Degree in Accounting from Newbury College and is currently working on Bachelor's from the University of Phoenix. In her spare time, Jeniffer likes learning new skills: web design and internet marketing at the moment. Jeniffer came to CGF because she likes what the company stands for and wanted to be a part of the movement to end poverty.
phone: 866-584-3651, Ext. 119
David Crane Fellows (Brown University):
Bank of America Fellows (Providence College):
Community College of Rhode Island Fellows:
Jazmin De La Cruz
Bryant University Fellows:
Other Fantastic Fellows:
Alexandra Juelis, FC+ Schools / Community Outreach Intern
Josette Larochelle, Business Analyst Intern
Sarah Pariser, Lending Intern
Erik Sheeler, Operations Intern
Christian Suarez, Customer Satisfaction Intern
Phuong Truong, Lending Intern