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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

Why Juneteenth Matters


By Staff
  | Jun 18, 2025

Staff at our Bronzeville, IL, branch celebrating Juneteenth

Staff at our Bronzeville, IL, branch celebrating Juneteenth

Juneteenth, also known as Freedom Day, is an annual holiday celebrated on June 19th that commemorates the end of slavery in the United States. At Self-Help, we are proud to honor Juneteenth, as our mission of creating ownership and financial opportunity for all is deeply intertwined with the legacy of Juneteenth and what it means to truly be free.  

In this blog post, we will discuss the historical significance of Juneteenth, why it still matters today, how you can celebrate, and how we at Self-Help honor this day. 

The Historical Significance of Juneteenth 

While the Emancipation Proclamation went into effect in January 1863 declaring the freedom of all enslaved people, it took more than two years for Union troops to restore federal authority in the final holdout of the defeated confederacy of Galveston, TX, and enforce the proclamation on June 19, 1865. On this date, over 250,000 enslaved people in Texas were finally freed after years of persisting enslavement despite the formal abolition on paper. 

Because this marks the date that everyone, including all enslaved Black people, were truly free in the U.S., June 19th is celebrated and honored by many communities as our nation’s true Independence Day. Juneteenth highlights the struggle for freedom and equality as well as the resistance to change that persisted even after laws were passed. 

Why it Still Matters Today 

Despite the liberation of Juneteenth, the fight for equality is ongoing. The end of enslavement was quickly followed by increased Black Codes and institutionalized racism of the Jim Crow era where laws were created making it illegal for Black people to occupy many of the same spaces as white people. Juneteenth celebrations were discouraged or excluded from public spaces and the fight for civil rights continued.  

Many of the policies during this time still affect Black communities today. Mass incarceration of Black people has functioned as a (legal) “new racial caste system,” according to Michelle Alexander, and redlining policies that blocked people of color from getting mortgages (while now illegal) have left a persistent blueprint for areas of decreased home value, increased pollution, less green space, and more. 

The fight for true equality continues in the U.S., which is why Juneteenth represents more than just a day of emancipation. According to Civics for Life, “freedom, without access to justice, education, land, and the franchise, is fragile.” This holiday calls attention to the systemic barriers that have been engrained into the Black American experience and the opportunities that we still have before us to make a more equitable future. 

How You Can Celebrate 

If you’re Black, please celebrate your joy, your achievements, your history, and your legacy however you see fit.  

If you’re not and you have the privilege of being given the day off by circumstance or by your employer, please consider spending your day reflecting, supporting the Black community, and educating yourself on the systems that are still present around us today.  

Here are some ways you might want to spend your day: 

  1. Attend a Juneteenth event where you can learn about and celebrate this day in a respectful environment.
  2. Support Black-owned businesses, who are often underfunded, underrepresented, and undervalued for their skills.
  3. Educate yourself on the importance of Juneteenth and the systemic barriers that still persist for Black people – if you’re reading this blog post, you’re already off to a good start.
  4. Donate to a local organization that supports equity for Black people – perhaps ones that focus on serving Black youth, providing financial education and/or homeownership for Black people, offering support for Black queer folks (it is still Pride Month, after all), or assisting formerly incarcerated individuals.
  5. Sign up to be a mentor – Black employees are often less likely to be promoted or receive helpful feedback, so offering valuable insight and education that may not be readily available or just not offered can be crucial for professional development. 

Juneteenth at Self-Help 

Staff at our Asheville, NC, branch celebrating Juneteenth

Staff at our Asheville, NC, branch celebrating Juneteenth

The legacy of Juneteenth is one that is essential to Self-Help's mission of ownership and economic opportunity for all. We believe that a big part of true freedom lies in financial freedom through education and opportunities.  

At Self-Help, we are constantly finding new ways to support communities of color through responsible and affordable loans, financial education, and revitalization of underserved neighborhoods. We are doing our best to fill gaps in the financial systems that often neglect people of color, women, and rural communities. We have all of our members to thank for making our work possible and being invaluable in coming together to work toward systemic change. 



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