Let’s Transform the Zip Codes

Posted by Bill Bynum on March 8, 2016

One of America’s best writers, William Faulkner, in explaining why he always set his fiction in the South, said: “I discovered that my own little postage stamp of native soil was worth writing about, and that I would never live long enough to exhaust it.”

Though I do very different work from Faulkner, I share his belief that place, whether thought of as a “little postage stamp of native soil,” or in the parlance of modern data analyst as a “zip code,” matters.

When we set out to create equal opportunity for people who live in communities plagued by entrenched poverty, we must work in a comprehensive, sustained, and indeed, exhaustive way.

This truth is vividly driven home by a series of maps of the Mid South region developed by HOPE’s data analysts.

The central map shows that in Arkansas, Mississippi, and Louisiana, 97 of the 221 counties and parishes, a full 44 percent, meet the federal government’s definition of persistent poverty. This label defines counties and parishes where at least 20 percent of the population has lived below the federal poverty level for more than three decades.

The other maps in the series show data from a variety of sources that measure various quality-of-life factors, including unemployment rates, health outcomes, school quality, predatory lending, and the availability of banking services. Jobs that pay a decent wage, good health care, quality education and the ability to access affordable financial services are all basic and reasonable things that we all want for our families and that contribute to stable communities.

Overwhelmingly, the same counties and parishes characterized by persistent poverty are the same counties and parishes with the highest unemployment rates, the lowest performing schools, the worst health outcomes, the most predatory lending, and fewest options for banking services.

As the evidence mounts showing that a person’s prospects for economic success are determined not only by individual circumstances, but by the circumstances of his or her surrounding community, the urgency grows to transform these places.

These maps show us that well-meaning, but scattergun initiatives like making transfer payments to individuals, creating a world-class middle school, or building a state-of-the-art community health center alone is not going to work. We cannot afford to tackle the one problem that fits within our box and cross our fingers in the hope that someone else will tackle the other problems. Persistent poverty communities require comprehensive, coordinated solutions to address the range of challenges that confront their residents.

Nor can we afford to be picky about where the resources come from. State and federal government, foundations, banks, private employers, and every individual share a vested interest in stable neighborhoods, economic prosperity and the common good.

Wherever there are solutions and resources, we must bundle them together to change these maps and transform the zip codes in persistently poor places, knowing that every little postage stamp of native soil is worth saving, and that we can never live long enough to exhaust their potential.

(Photo credit: Kanu Hawaii, via flickr, CC BY 2.0)

About the author more »

William (Bill) J. Bynum is CEO of HOPE (Hope Enterprise Corporation/Hope Credit Union), a regional community development financial institution and policy center that ensures access to responsible financial services for underserved communities across Arkansas, Louisiana, Mississippi and Tennessee. HOPE has generated more than $2 billion in financing that has benefited over 650,000 Mid-South residents and influenced community development policies and practices nationwide. Bill has advised Presidents Clinton, Bush and Obama on community development, small business and financial service matters, including serving for ten years as Chairman of the Treasury Department’s Community Development Advisory Board. He currently serves as Chairman of the Consumer Financial Protection Bureau’s Consumer Advisory Board. Other board/trustee service includes Corporation for Enterprise Development, NAACP Legal Defense Fund, Millsaps College, Mississippi Children’s Museum, and the William Winter Institute for Racial Reconciliation.

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