Donate Now

Make a difference in rural North Carolina

PayPal secure payments.

 


 

 

2014 REDI applicants who live in the following eastern North Carolina counties are eligible to apply for a scholarship provided by the Economic Development Admininistration:

 

Beaufort  
Bertie
Bladen
Brunswick
Camden
Carteret
Chowan
Columbus
Craven
Currituck
Dare
Duplin
Edgecombe
Gates
Greene
Halifax
Hertford
Hyde
Johnston
Jones
Lenoir
Martin
Nash
New Hanover
Northampton
Onslow
Pamlico
Pasquotank
Pender
Perquimans
Pitt
Robeson
Sampson
Tyrrell
Vance
Warren
Washington
Wayne
Wilson

 

 

 

Lending Circles

 

What does the Lending Circles program offer?


The Lending Circles program provides small (micro) loans to participants in facilitated borrower groups of five to six clients. The program follows microfinance group-lending principals, in which peers evaluate each other’s progress and make funding recommendations to the Rural Center. The Rural Center will facilitate the groups using video conferencing and other media to unite borrowers in different regions of North Carolina. A typical loan in this program will be less than $3,000 ($5,000 maximum) with terms of one to two years. Personal guarantees are required for all loans.

 


What are the eligibility requirements?

  • Client must plan to start a business within a year in one of North Carolina’s 85 rural counties
  • Client must have started a basic business plan before entering the lending circle
  • Client must fill out a pre-application to gather income, credit and collateral basics
  • There is very limited initial underwriting required on credit, income and collateral with a few exceptions:
    • Client may not have an unsettled public judgment, current bankruptcy, or taxes/student loans in collection
    • Clients with excessive derogatory credit issues will be excluded from the circle until these issues are resolved
  • Clients may be located anywhere and in different business stages
  • Client must have access to a computer with high-speed internet and a webcam (we can help with this if needed)


What are the ground rules?

  • Each member of the group will participate in weekly peer-to-peer discussions
  • The entire group will also meet by webinar on a weekly basis for six to eight weeks, and then less often
  • All clients sign a confidentiality agreement and a group contract


What are the commitments?


Group sessions:


Each week, lending group members will meet collectively and the group facilitator will introduce a new discussion topic. While each individual tracks through the process at his/her own pace, each will share updates and reports on their progress to the group.  


Peer-to-peer meetings:


Each group member is required to meet with at least one other group member per week. The facilitator will monitor and track a required sequence of peer-to-peer meetings among group members. Meetings are at least 30 minutes long and include a meaningful conversation about each member’s business activity. Each group member must meet with every member of his/her group at least every eight weeks. 

 

 

 

 

 

 

 

 

 

College internship program to develop community leaders


The State Employees' Credit Union and the N.C. Rural Center will launch an internship program for college students in summer 2013. Created to foster a new generation of community leaders, the program will place 35 college students in rural county governments for four to six weeks of service.

secu intership-program logo-stacked-smCalled the Public Service Internship Program, it is sponsored by the credit union and will be administered by the Rural Center in cooperation with participating county governments.

Students will be selected this spring for internships in their home counties. Selected students will:

  • Be placed in county government and paired with an internship supervisor
  • Explore career options through job shadowing experiences
  • Participate in regular county commission meetings and other critical community discussions
  • Contribute to high-profile community projects
  • Participate in an orientation session in Raleigh and one-day bus tour to study innovation in rural communities
  • Hone leadership skills through training sessions, one-on-one mentoring and project development, documentation and presentation.
  • Receive a stipend of $2,500 for 160 hours of work

Applications are being accepted through March 29. A state-level review committee will select finalists from the total application pool. Final decisions will be made by the participating counties based on application review and personal interviews.

College students with current or former residence in one of North Carolina's rural counties are eligible to apply. Students must be rising sophomores or juniors enrolled in one of the 16 institutions of the University of North Carolina or enrolled in a two-year college program in one of North Carolina's 58 community colleges.

Participating counties: Alleghany, Ashe, Beaufort, Bertie, Bladen, Burke, Camden, Carteret, Caswell, Cherokee, Chowan, Cleveland, Columbus, Currituck, Davie, Duplin, Edgecombe, Franklin, Granville, Greene, Halifax, Harnett, Haywood, Hertford, Hyde, Iredell, Jackson, Johnston, Jones, Lee, Macon, Madison, Martin, McDowell, Mitchell, Montgomery, Moore, Nash, Northampton, Onslow, Pamlico, Perquimans, Person, Pitt, Robeson, Rockingham, Rutherford, Scotland, Stanly, Stokes, Surry, Swain, Union, Vance, Warren, Watauga, Wayne, Wilkes, Wilson, Yadkin. 


Apply here


Download program flyer for sharing

2014 REDI applicants who live in the following eastern North Carolina counties are eligible to apply for a scholarship provided by the Economic Development Admininistration:

 

Beaufort  
Bertie
Bladen
Brunswick
Camden
Carteret
Chowan
Columbus
Craven
Currituck
Dare
Duplin
Edgecombe
Gates
Greene
Halifax
Hertford
Hyde
Johnston
Jones
Lenoir
Martin
Nash
New Hanover
Northampton
Onslow
Pamlico
Pasquotank
Pender
Perquimans
Pitt
Robeson
Sampson
Tyrrell
Vance
Warren
Washington
Wayne
Wilson

 

 

 

Lending Circles

 

What does the Lending Circles program offer?


The Lending Circles program provides small (micro) loans to participants in facilitated borrower groups of five to six clients. The program follows microfinance group-lending principals, in which peers evaluate each other’s progress and make funding recommendations to the Rural Center. The Rural Center will facilitate the groups using video conferencing and other media to unite borrowers in different regions of North Carolina. A typical loan in this program will be less than $3,000 ($5,000 maximum) with terms of one to two years. Personal guarantees are required for all loans.

 


What are the eligibility requirements?

  • Client must plan to start a business within a year in one of North Carolina’s 85 rural counties
  • Client must have started a basic business plan before entering the lending circle
  • Client must fill out a pre-application to gather income, credit and collateral basics
  • There is very limited initial underwriting required on credit, income and collateral with a few exceptions:
    • Client may not have an unsettled public judgment, current bankruptcy, or taxes/student loans in collection
    • Clients with excessive derogatory credit issues will be excluded from the circle until these issues are resolved
  • Clients may be located anywhere and in different business stages
  • Client must have access to a computer with high-speed internet and a webcam (we can help with this if needed)


What are the ground rules?

  • Each member of the group will participate in weekly peer-to-peer discussions
  • The entire group will also meet by webinar on a weekly basis for six to eight weeks, and then less often
  • All clients sign a confidentiality agreement and a group contract


What are the commitments?


Group sessions:


Each week, lending group members will meet collectively and the group facilitator will introduce a new discussion topic. While each individual tracks through the process at his/her own pace, each will share updates and reports on their progress to the group.  


Peer-to-peer meetings:


Each group member is required to meet with at least one other group member per week. The facilitator will monitor and track a required sequence of peer-to-peer meetings among group members. Meetings are at least 30 minutes long and include a meaningful conversation about each member’s business activity. Each group member must meet with every member of his/her group at least every eight weeks. 

 

 

 

 

 

 

 

 

 

College internship program to develop community leaders


The State Employees' Credit Union and the N.C. Rural Center will launch an internship program for college students in summer 2013. Created to foster a new generation of community leaders, the program will place 35 college students in rural county governments for four to six weeks of service.

secu intership-program logo-stacked-smCalled the Public Service Internship Program, it is sponsored by the credit union and will be administered by the Rural Center in cooperation with participating county governments.

Students will be selected this spring for internships in their home counties. Selected students will:

  • Be placed in county government and paired with an internship supervisor
  • Explore career options through job shadowing experiences
  • Participate in regular county commission meetings and other critical community discussions
  • Contribute to high-profile community projects
  • Participate in an orientation session in Raleigh and one-day bus tour to study innovation in rural communities
  • Hone leadership skills through training sessions, one-on-one mentoring and project development, documentation and presentation.
  • Receive a stipend of $2,500 for 160 hours of work

Applications are being accepted through March 29. A state-level review committee will select finalists from the total application pool. Final decisions will be made by the participating counties based on application review and personal interviews.

College students with current or former residence in one of North Carolina's rural counties are eligible to apply. Students must be rising sophomores or juniors enrolled in one of the 16 institutions of the University of North Carolina or enrolled in a two-year college program in one of North Carolina's 58 community colleges.

Participating counties: Alleghany, Ashe, Beaufort, Bertie, Bladen, Burke, Camden, Carteret, Caswell, Cherokee, Chowan, Cleveland, Columbus, Currituck, Davie, Duplin, Edgecombe, Franklin, Granville, Greene, Halifax, Harnett, Haywood, Hertford, Hyde, Iredell, Jackson, Johnston, Jones, Lee, Macon, Madison, Martin, McDowell, Mitchell, Montgomery, Moore, Nash, Northampton, Onslow, Pamlico, Perquimans, Person, Pitt, Robeson, Rockingham, Rutherford, Scotland, Stanly, Stokes, Surry, Swain, Union, Vance, Warren, Watauga, Wayne, Wilkes, Wilson, Yadkin. 


Apply here


Download program flyer for sharing