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Points of View: Insight & Perspective


Expertise in Financing to Build Stronger Communities

With our breadth of experience, Self-Help is a solid resource on a wide range of financing and policy issues. We’re happy to share expertise and to help find additional resources on topics such as:


Leadership Profiles

Socially Responsible Investing

Ebony Perkins

Ebony Perkins, Investor and Community Relations Manager

Ebony Perkins is a dedicated, solution-oriented social entrepreneur whose heartbeat is community. She has a demonstrated ability of working with investors and philanthropists to help them make smart and strategic decisions. As Self-Help's Investor & Community Relations Manager, Ebony helps groups and individuals invest funds in a socially responsible financial institution that supports communities of all kinds, especially those underserved by conventional lenders. Before that role, she served as the Donor Relations Manager at Central Carolina Community Foundation where she managed a system to engage and educate over 400 individuals and groups to help them achieve their charitable goals.

Ebony’s commitment to community investing is evident by her service and contributions to Women In Philanthropy, Durham Center for Senior Life, and the University of North Carolina MPA Alumni Board. Ebony was also recognized on the SRI Conference's inaugural 30 Under 30 List.

Ebony holds a Master of Public Administration from the University of North Carolina at Chapel Hill and a Bachelor of Science in Marketing from Claflin University as a summa cum laude graduate. She also has an Executive Certificate in Financial Planning from Duke University.

Nuray Ozbay

Nuray Ozbay, Policy and Impact Investment Associate

Nuray Ozbay leads Self Help’s efforts to cultivate mission-supportive depositors and impact investors within and beyond Self-Help’s California footprint. As a global movement and relationship builder, Nuray loves working with change-makers across non-profit, corporate, and public sectors. Her expertise is in intersectional gender equality, global civil society activism, social justice, and ESG investing. Nuray currently serves as a Board Director at the UN Women San Francisco Chapter and a National Expert on Violence Against Women at the European Women’s Lobby, the largest umbrella organization of women’s associations across Europe. Before joining Self-Help, Nuray spent 11 years in the social impact sector as a researcher, consultant, and non-profit leader across Turkey and Europe, working on issues including but not limited to immigration, women’s access to economy, financial literacy & inclusion, entrepreneurship, and care economy.

Kimberly Jones

Kimberly Jones, Investment Associate

 

 

Kimberly's professional career spans both the nonprofit and community development financial services sectors, with expansive senior leadership roles in arts management; business and resource development; community relations; and corporate philanthropy. Currently, she's Self-Help's Investor Relations Manager, where she helps individuals and institutions align their banking and investments with their mission, vision, and values. Kimberly has held leadership positions that advanced the missions of creative organizations and community development financial institutions seeking to make a difference in communities in their footprint. She has been a founding board member of mission driven organizations that supported the growth and development of young artists, creatives, and professionals in the nonprofit sector.

In 2015, Kimberly was selected to be a PLACES Fellow with The Funders Network, where she explored the role of philanthropy through an equity lens in low to moderate income communities. She has served as a grant/award reviewer for organizations that championed organizational excellence, community development, and environmental sustainability. Kimberly has a BA in Political Science from the University of Minnesota-Morris and an MA in Arts, Entertainment, and Media Management from Columbia College Chicago.

Green Economy; Sustainable Society; Investing for the Environment

Melissa Malkin-WeberSustainability Director

Melissa has worked across a broad span of hands-on sustainability practices. At Self-Help Credit Union, she integrates the triple bottom line into the organization’s financial products, operations, and buildings portfolio. She led Self-Help to realize over $1.7 million in net present value from initiatives in this sector, including $180,000 energy savings in our own operations. Melissa previously directed the residential energy efficiency and indoor air quality research program at Advanced Energy and worked in industrial pollution prevention at RTI International. She earned her law degree from University of Michigan, and her Master's from UNC’s School of Public Health.

Shondra Tanner, Mortgage Lending

Shondra Owens Tanner brings her extensive experience and commitment to making mortgage loans for low-wealth families to her position as Self-Help's Director of Mortgage Originations, where she oversees all North Carolina home loan origination and new business development.  Shondra's areas of expertise includes buying your first home, mortgage basics (documentation, closing costs, down payments), delinquency and loss mitigation (What is a forbearance and loan modification and what does that do to your credit?)

Features and Commentary

Improving Communities Through Education: Our 2024 Scholars


By Staff
  | Mar 10, 2025

Every year, each Self-Help branch offers a $1,000 community scholarship to a recipient who has committed to improving their lives and their communities by furthering their education. In honor of our 2025 applications being open (apply by March 31!), we are highlighting some of last year’s incredible winners. 

Hilda: Helping Young Students Thrive

Hilda is currently pursuing a teaching credential to become a high school history teacher and eventually wants to get a master's degree to become a principal. After struggling in school due to a language barrier, Hilda wants to help support students who have a hard time with English in the way teachers showed Hilda support. Without this support, school would have been much more challenging, and Hilda wants to be part of students’ academic growth while helping them navigate any challenges they are facing.

Hilda understands the impact that teachers have beyond the classroom, extending into society and shaping communities and values. It is Hilda’s hope that providing a supportive education will lead students to become active members of their communities and impact those communities in a positive way. 

Delfino: Bringing Emergency Medicine to Marginalized Communities

Delfino is currently studying at a university and wants to go to medical school to become an emergency medical physician that supports rural, disabled, low-income, and marginalized communities. Eventually, Delfino wants to develop a free clinic with comprehensive healthcare tailored to support the needs of underserved communities.

Delfino previously worked as an EMT in a rural community health clinic and witnessed the impact of limited access to medical services for vulnerable populations. Delfino believes in fighting for a more equitable society where everyone can thrive and prosper.

Crystal: Supporting Unhoused Veterans

Crystal is studying social work and wants to support the unhoused population, particularly unhoused Veterans. After finding out a family member was unhoused and living in unsafe conditions, Crystal became dedicated to getting to the root of the issues that cause homelessness.

Crystal is part of a Veterans subcommittee for a coalition ending homelessness and wants to advocate for Veterans who have fought for our country only to end up unhoused. Crystal believes in finding ways to support people who would like the chance to make a different life for themselves. 

Jari: Shifting Inequities in Public Health

Jari is currently studying biology at a university with plans to become a medical doctor and get an advanced degree in public health in order to help change inequities in the healthcare system. Jari also hopes to use education to bridge gaps in the Hispanic/Latino community and wants to study abroad and take on global health issues in foreign countries where access to healthcare is difficult.             

After watching two family members both go through battles with different forms of cancer while being unable to receive quality medical care due to financial hardship, Jari realized how inaccessible healthcare can be, particularly for underrepresented communities. Jari became determined to pursue cancer research and public health to expand access to medical care.

Ava: Advocating for Civil Rights Through Film

 Ava is a community organizer and a published author of the non-fiction book Tomorrow Begins Now: Teen Heroes Who Faced Down Injustice. After navigating her own challenges with disability discrimination, she has become passionate about civil rights and is working toward a degree in political science with plans to become a civil rights lawyer and filmmaker.

Ava wants to use legal advocacy and cinematic storytelling to create meaningful societal change by representing marginalized communities, inspiring empathy, mobilizing collective action, and advocating for policy reform that fosters equity and inclusion. She hopes that by merging these two fields, she can engage audiences on a deeper level and foster awareness and empathy for marginalized communities.

Aaliyah: Using Language to Improve Healthcare 

Aaliyah is a recent high school graduate who will be attending a university to become a radiologist with a minor in Spanish to serve as a bilingual healthcare provider. Aaliyah believes in making healthcare more accessible and one way of doing so is through language. After the challenges Aaliyah’s mother faced as a non-English speaker while trying to advocate for her child in a medical emergency, Aaliyah has observed how important diverse voices in healthcare are.

Aaliyah understands implicit bias and disparities in healthcare and wants to be part of the change in serving as a healthcare professional that Hispanics/Latinos and other marginalized communities can turn to for support during traumatic situations.   

Congratulations to Our 2024 Community Scholars! 

Thank you for understanding the value of education and using that education to better our communities. Self-Help believes in empowering communities, and we strive to create more opportunity for everyone. We are honored to be able to support you on your journeys and are inspired by your dedication to create a better world for everyone.  

It’s Not Too Late to Submit Your 2025 Application 

Our community scholarships are available to anyone who has committed to improving their lives and their communities by furthering their education.  

Apply by March 31, 2025, at self-help.org/scholarship.

 

 

 



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