ndc 2009 annual report

8/7/2019 NDC 2009 Annual Report

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c r e a t e s j o b s

f i l l s e m p t y

s t o r e f r o n t s

c u l t i v a t e s

l e a d e r s

e n t r e p r e n e u r s h i p

b u i l d s s a f e

n e i g h b o r h o o d s

r e v i t a l i z e s

c o m m u n i t i e s

2 0 0 9 A N N U A L R E P O R T

NEIGHBORHOODDEVELOPMENTCENTER



2009 was a year of seeking solid ground from which we could keep building neighborhood

economies—both for NDC and for the entrepreneurs we serve. Given the severity of the economic

downturn, all of us got better at adapting to constrained resources. Fortunately, NDC as an

organization, and most of the low-income entrepreneurs we work with, know a lot about economic

tough times. This experience served us all well last year, as most of us emerged from the year

with a good sense of how to succeed in the future.

Our future continues to be based on two key “assets”: neighborhood “underground”

entrepreneurs who are so often hidden or underutilized in the targeted neighborhoods and

ethnic communities we work in, and our community partners who have the trust, credibility and

connections required to nd these folks. The resources we bring to both—through our dedicated

staff, trainers, board and funders—in a long-term comprehensive manner, help entrepreneurs

turn their dreams into reality and plants them in their own communities—often on major, visible

corridors like Payne Avenue, University Avenue, West Broadway and Lake Street.

NDC’s unique “people-based/place-based” strategy continued to “build neighborhood economies

from within” in 2009, especially in our targeted communities of St. Paul’s East Side and

Frogtown/Summit-University, and Minneapolis’ North Side and Phillips/Central/Powderhorn

Park neighborhoods. Being able to reach into the various ethnic communities in each of

these neighborhoods continues to be our key approach, with a major emphasis on the African

American, Oromo, Native American, Hmong, Somali and Latino communities in 2009.

On behalf of the NDC staff and board, and most importantly on behalf of all the entrepreneurs

and communities we work with, we thank all of our suppor ters for their generosity. In so many

ways, this is what allows NDC to seed the low-income neighborhoods of Minneapolis and St. Paul

with hundreds of its own talented entrepreneurs, changing them forever, for the better.

Dear FrienDs oF nDC,

Mihailo Temali

NDC President & CEO

Kate Barr

NDC Board Chair

BOARD OF DIRECTORSKate Barr (Board Chair)Nonprots Assistance Fund

Tim BobergHays Companies

Waq Fannoun (Board Secretary)Islamic University of Minnesota

John Flory (Vice Board Chair)Latino Economic Development Center

Tony Genia (Past Board Chair)Northwest Area Foundation

Justin HuenemannNative American CommunityDevelopment Institute

Ramon LeonLatino Economic Development Center

Lorrie Louder (Board Treasurer)Saint Paul Port Authority

Repa MekhaNexus Community Partners

Nneka MorganMerrill Lynch

Arvid PovilaitisMeritex Enterprise, Inc.

William SandsWestern Bank

Vivienne Williamson (Board Vice Chair)Mighty Stitch, LLC

May XiongEast Side Financial Center andCenter for Working Families

A Yea r o f I mpact

1



NDC VALUES

Asset-Based

The talent and energy among

residents of low income

communities are critical resources

available to revitalize those

communities economically and

socially.

Collaborative

Community partnerships andnetworks are key to gaining

access to and trust from local

“underground” entreprenuerial

talent.

Patience

Success is a long term proposition

that demands patience and an

open mind.

Adaptable

The environment entrepreneurs

work in is complicated and

constantly evolving and demands

from those who work with them an

ability to adapt, and a commitment

to innovation.

MISSION

Neighborhood Development Center is a community-based non-prot

organization that works in the low-income communities of St. Paul,

Minneapolis, surrounding suburbs, and Greater Minnesota to help

emerging entrepreneurs develop successful businesses that serve

their community, and to help community groups build a stronger

neighborhood economy.

Jeff Alexander

Midtown Global

Market Director

Darrell Beauford

Real Estate

Accounting

Manager

Daniel Birru

Accountant

Alison Collins

BRC Supervisor &

Assistant Property

Manager

Becky George

Mercado Central

Market Manager

Kimberly Hanna

Market Coordinator

Rick Hofacre

Facility Maintenance

Manager

Harvey Hoffman

Building Operations

Manager

Mike LaFave

Deputy Director

Earlsworth

“Baba” Letang

Midtown Global

Market Manager

Bonita Martin

Training Program Director

Perla Mayo

Technical Assistance Manager

Kathy Moriarty

Chief Administrative

Ofcer

Samir Saikali

Grants & Data Manager

Brian Singer

Loan Director

Emma Spillman

Ofce Manager

Ayan Suguelle

Training Program Coordinator

Mihailo “Mike” Temali

President & CEO

Sai Thao

Loan Ofcer

Michael Thielen

Loan Fund Administrator

Romaine Turner

Senior Loan Ofcer

Teshite Wako

Chief Financial Ofcer

John Wheeler

Director of Incubators

NDC STAFF

NDC STAFF

Stron g Valu es

2



MICRO-ENTREPRENEUR

TRAINING

In addition to English-

speaking individuals, NDC

provides specialized training

to Hmong, Latino, Somali and

East African entrepreneurs in

their native languages. This

16-week course covers thefundamentals and techniques

of marketing, operations,

nancial management and

writing a solid business plan.

SMALL BUSINESS

FINANCING

NDC’s unique funding

resource lls a gap in the

Twin Cities nance market

by providing access to credit

for start-up businesses (and

other entrepreneurs) who are

unable to access traditionalsources of capital. NDC

created the nation’s rst

Reba-Free nancing program

to meet the needs of the large

Somali immigrant community.

SMALL BUSINESS

CONSULTING

There are ve satellite

business resource centers

available to entrepreneurs.

NDC provides on-going

support in marketing,

merchandising, nancial

record-keeping, credit repair,retail management, legal

assistance and more.

SMALL BUSINESS

INCUBATORS

NDC and neighborhood

organizations collaborate to

reclaim and rehab commercial

properties within targeted

inner city neighborhoods. The

properties then operate as

Incubators, providing a networkof support and resources for

small businesses.

CAPACITY

BUILDING

NDC works with Neighborhood

Partners to enhance their

capacity to create and conduct

economic development

initiatives within their own

communities.

NDC Innovative Approach

3

203 entrepreneurs trained in

2009

27 loans totaling $344,503

in 2009

More than 3,200 hours of

small business consulting

to 270 entrepreneurs in

2009

25 Neighborhood Partners

across the Twin Cities

Our small business incubators:

•Frogtown Entrepreneur Center

•Frogtown Square (opens 2011)

•Mercado Central

•Midtown Global Market

•Plaza Verde

•Swedish Bank Building

3663 entrepreneurs trained

since 1993

356 loans totaling

$7,178,992 since 1993

Approximately 28,000

hours of small business

consulting to 1,200

entrepreneurs since 1993



CHERYL MIKEL OF RAINBOW CHILD DEVELOPMENT CENTER

Winner of the Senator Paul Wellstone & Sheila Wellstone Twin Cities Small Business of the Year Award

Rainbow Child Development Center has been providing high quality childcare in the Midway neighborhood of St. Paulsince 1998. The Center provides a safe, nurturing place for children to learn, play and grow and is particularly proud of its

commitment to serve low-income residents of the community.

Café FinspangSigbritt Johnson & Maj-Britt Syse

Central Coffee ShopKamaludin Osman

Fiesta in AmericaLaura Sanchez

Gaviota ConstructionHarold & Madel Carmen Fajardo

Get Gorgeous Styling SalonIlka Bird

Grass Roots GourmetVictoria Potts

Metropolitan Transportation Network, Inc.Gebi Koji & Tashitaa Tufaa

Nuestro Mundo Bi-lingual DaycareLucianna Carballo-Pierre

Organize LifeLinda LaBarre & Ashlee Olds

RitualsAntoinette Williams

Sister Chris’ Fruit Flavored Products, LLCVicie Williams

The Clearance Rack Neeson & Haiyen Vang

AWARD NOMINEES

2009 Entrepreneur Succes s Stories

MAKRAM & SHARIN EL-AMIN OF EL-AMIN’S FISH HOUSE

Winner of the Longevity and Sustained Impact AwardEl-Amin’s Fish House is a family-owned take-out restaurant that specializes in freshly prepared fried catsh, whiting and

walleye that are prepared with healthy, cholesterol-free cooking oil. Owners Makram and Sharon El-Amin have been serving

high quality, fresh sh in the Twin Cities for more than 20 years and at their location on West Broadway in North Minneapolis

since 2001.

NUH JAMA OF FACE 2 FACE INTERPRETING, INC.

Winner of the Business Achievement Award

Nuh Jama started Face 2 Face Interpreting, Inc. in South Minneapolis in 2006 to provide interpretation

and translation services. The business has grown dramatically and now offers services in over 30

different languages.

TAMARA MATTISON OF GENERATION TO GENERATION, INC.

Winner of the Thomas McBurney Community Impact Award

Owner Tamara Mattison created Generation to Generation, Inc. to provide consulting, training and development services foryoung women. In partnership with Eagles Wings, she created Talitha Cumi—or Daughter Arise!—a 12 week training that focuses

on developing healthy relationships, healthy boundaries, self esteem, self awareness, self condence and self worth.

NAT COLLEY OF VET YOUR LAWYER

Winner of the Business Creativity Award

Vet Your Lawyer’s unique service empowers the ordinary person with objective, independent knowledge

about the lawyer s/he is about to hire for their case in order to nd the “right” lawyer the rst time and

save money, time and aggravation.

JAMAL HASHI OF SAFARI EXPRESS RESTAURANT

Winner of the Business Turn Around Award

Safari Express, located at the Midtown Global Market, offers an innovative menu with its own signature

style. Brothers Jamal and Sade Hashi sell many classic East African dishes that are a smash hit,

including their delectable sambusas, homemade chapati bread wraps, and rich meat and vegetable

stews. 4



Neighborhood Development Center works closely with community-based

partner organizations to sponsor 16-week entrepreneur training classesin 20 neighborhoods and ethnic communities throughout Minneapolis

and St. Paul. The class consists of eight classroom sessions and up to

12 one-on-one consultations with a business trainer. Classes are offered

twice a year (spring and fall cycles) and are currently offered in ve

different languages (English, Hmong, Oromo, Somali and Spanish).

Classes are conducted in small group settings and are hosted by NDC’s

community-based partners―emphasizing the connections between the

development of individuals and the development of the community.

NDC’s Entrepreneur Training Program is specically targeted to low-

income residents who do not have access to traditional sources of

capital and who want to learn the skills to successfully start and operate

a business. NDC provides scholarships to the majority of program

participants.

NDC classes are taught by professional training consultants who utilize

an NDC-developed curriculum and focus on teaching participants the

fundamentals of operating a small business and creating a viable

business plan. NDC offers workshops on a variety of business related

topics.

NDC’s ultimate goal is to develop the talent that exists within inner

city communities and help emerging entrepreneurs create vibrant

businesses that―by creating employment opportunities, providing

needed goods and services, offering role models, and establishing

vibrant community gather places―contribute to the revitalization of

those communities.

TRAINING PARTNERSAurora Saint Anthony Neighborhood

Development Corporation

African Development Center

American Indian Economic Development Fund

Chicanos Latinos Unidos en Servicio

Dayton’s Bluff Community Council

Emerge Community Development

Employment Action Center

Friendship Community Services, Inc.

Hmong American Partnership

Hmong Chamber of Commerce

Hope Community, Inc.

Latino Economic Development Center

Lutheran Social Services

MIGIZI Communications

Native American Community

Development InstituteNorthside Economic Opportunities Network

Northeast Community Development Corporation

Northside Residents Redevelopment Council

Oromo Community of Minnesota

Powderhorn Phillips Cultural Wellness Center

Riverview Economic Development Association

Selby Area Community Development Corporation

Seward Redesign, Inc.

Sparc

TRAINERSShahir Ahmed Lindsay NauenJeff Alexander Phillip Porter

Eduardo Barrera Bob ReedTherese Baumann Mark RobinsonDave Bonko Edgardo RodriquezBarry Bonoff Linda SappKari Emory Joanne SimonsTony Genia Brian SingerLu Hang Sai ThaoWendy Hines Romaine TurnerTarabi Jama Kin Kia Vang Michelle Jansen Teshite WakoGrover Jones Dale WhiteTara McCarthy Ronald WilliamsJuliet Mitchell Candy York

YOUNG DADS GRADUATION

Entrepreneur Training

EMERGE GRADUATION

5

NDC TRAINING IMPACTS:

During 2009, 203 entrepreneurs

were trained through NDC’s

Entrepreneur Training Program.



Neighborhood Development Center lls a gap in the Twin Cities nance market by providing

access to credit for start -up and existing businesses that are unable to access traditional

sources of capital. NDC provides nancing of up to $50,000 with an average loan size of

$12,000.

NDC’s exible individualized approach to lending involves working closely with entrepreneurs

to understand their business needs, their long-term plans to grow and improve their business,

and the risks associated with their request and strategies to mitigate those risks. NDC often

partners with private banks and other community lenders to help make loans more viable.

NDC is also open to evaluating requests which do not qualify for nancing from other lenders.

NDC also offers Reba-Free (asset based) nancing to meet the needs of the Twin Cities’ growing

Muslim community. NDC has received several awards for creating the rst such nancing

program in the nation.

Since 1993, NDC has nanced more than 350 companies with more than $7.1 million.

According to a 2008 study by Wilder Research on the impact of NDC’s programs, of the

businesses helped by NDC, 21% had increased their number of employees and 56% had

increased their gross monthly revenues.

LENDING PARTNERSAfrican Development Center

American Indian Economic Development Fund

Latino Economic Development Center

Metropolitan Consortium of Community Developers

WomenVenture

NDC FLYER OFFERING LOANS TO

SMALL BUSINESSES

Small Business Lending

6

NDC LENDING IMPACTS:

During 2009, NDC nanced 27 loans totaling $344,503.



BUSINESS

RESOURCE

CENTERS:

Cooperative Mercado Central

1515 East Lake Street #208

Minneapolis, MN 55407

Eastside Financial Center

Swedish Bank Building

965 Payne Avenue

St. Paul, MN 55130

Midtown Global Market

920 East Lake Street (lower level)


Northside Economic Opportunity

Network (NEON)

1505 West Broadway Avenue


Rondo Community

Outreach Library

461 North Dale Street

St. Paul, MN 55103

SMALL BUSINESS CONSULTING

Neighborhood Development Center understands that

the most important component of an entrepreneur’s

education begins after they are open for business. NDC

provides graduates of its programs with on-going support

in the form of one-on-one business consulting to help

guide them through operational difculties and develop

plans to strengthen and improve their businesses.

We do this by providing access to professionals with

expertise in a variety of key business areas, including:

• Business Management

• Recordkeeping and Accounting

• Marketing

• Merchandising

• Food Business Management

• Credit Counseling

• Pro-bono Legal Assistance

• Language-Cultural Issues

• Referrals

The goal of NDC’s business consulting program is to

ensure that emerging entrepreneurs receive the support

they need to grow, develop and continue to be assets totheir communities.

BRC INTERN ASSISTS CLIENT HAROLD FAJARDO

OF GAVIOTA CONSTRUCTION

BUSINESS RESOURCE CENTERS (BRCs)

NDC launched its Business Resource Center initiative as a

means of addressing the “digital divide” amongst business

owners―a term which describes the gap in knowledge and

experience with computers and technology.

Centers are operated by the BRC Supervisor and staffed

by qualied college interns from a wide spectrum of study

areas including urban development, marketing, business

development, graphic design, and more. BRCs provide

entrepreneurs with the opportunity to receive one-on-one

training to build their computer skills.

The goal of the Business Resource Centers is empowerment.

NDC believes digital inclusion for low-income entrepreneurs

will allow them to develop their business in the most efcient

and cost-effective way possible.

BRC SERVICES

1. Self Directed Use

Entrepreneurs may use BRC computers to access the Internet

or do business-related work on their own. A printer and copier

is available for a fee.

2. Small Business Consultation

BRC facilities are also used as work-stations for entrepreneursto meet for more advanced assistance from NDC consultants.

3. Computer Skills Assistance

By appointment (occasionally walk-ins can be accommodated),

individualized small business assistance is available on a

variety of topics:

• Basic computer and Internet skills

• Web-based research (Industry analysis, target markets, etc)

• Preparing business plans with Business Plan Pro

• Microsoft Ofce Suite (Word, Excel, PowerPoint, Publisher)

• Low- and No-Cost Marketing (Includes creation of business

cards, fyers, web-based marketing, online directories,

website building, etc.)

Small Business Consulting

7

NDC CONSULTING IMPACTS:

In 2009, NDC provided more than 3,200 hours of small business consulting to 270 entrepreneurs.



NDC’s small business incubatorprogram creates dynamic places for

small businesses to grow and develop,

while creating vibrant active places that

contribute to economic development and

revitalization of urban neighborhoods.

Working closely with community-based

partners, NDC redevelops key commercial

locations within targeted neighborhoods,

providing venues within whichentrepreneurs can become protable.

These highly-visible renovated buildings

also serve as gathering places and

inspire hope and condence within the

surrounding community. NDC promotes

the success of entrepreneurs within

these incubators by providing tenants

with a stable, affordable environment to

do business and by making its lending

and business consulting service availableto all tenants.

Frogtown Entrepreneur Center

625 University and 501 North Dale

St. Paul, MN 55104

Old Swedish Bank Building

965 Payne Avenue

St. Paul, MN 55130

Mercado Central

1515 East Lake Street


Plaza Verde



Midtown Global Market



REAL ESTATEPARTNERSAurora Saint Anthony NeighborhoodDevelopment CorporationUniversity/Dale

Model Cities of Saint PaulUniversity/Dale Greater Frogtown CommunityDevelopment CorporationUniversity/Dale Episcopal HomesUniversity/Dale

East Side NeighborhoodDevelopment CompanyOld Swedish Bank

Cooperativa Mercado CentralMercado Central

Project for Pride in LivingMercado Central

Whittier CommunityDevelopment CorporationMercado Central

In the Heart of the Beast TheatrePlaza Verde

Powderhorn PhillipsCultural Wellness CenterMidtown Global Market

African Development CenterMidtown Global Market

MIDTOWN GLOBAL MARKET

AT EAST LAKE STREET & 10TH AVENUE S.

PLAZA VERDE

NEAR EAST LAKE STREET

& BLOOMINGTON AVENUE

OLD SWEDISH BANK BUILDINGAT PAYNE AVENUE & CASE AVENUE

INCUBATORS:

Small Busines s Incubators

Since 1993, NDC has redeveloped 5commercial properties (listed below).

Cumulatively these properties represent

over 120,000 sq. ft. of commercial

space and are home to over 110 small

businesses.

In partnership with 3 community-based

non-prots, NDC is also developing

11,000 square feet of new commercial

space in Frogtown Center at the north-east corner of University Avenue and Dale

Street in St. Paul.

8



PARTNER

ORGANIZATIONSThe following organizations--in partnership with

the neighborhoods and business owners along

the corridor--comprise the University Avenue

Business Preparation Collaborative (U7):

African Economic Development Solutions

(AED Solutions)

Aurora/St. Anthony Neighborhood

Development Center (ASANDC)

Greater Frogtown Community

Development Corporation (GFCDC)

Hmong Chamber of Commerce

Metropolitan Consortium of Community

Developers (MCCD)

Neighborhood Development Center (NDC)Selby Avenue Community Development

Corporation (SACDC)

Sparc

STAFF

Mike Temali

NDC President & CEO

Isabel Chanslor

U7 Project Manager

Miguel Jongewaard

NDC Loan Ofcer/Business Advisor

and U7 Small Business Consultant

Steve Olson

NDC/U7 Lead Graphic Designer

Marilyn Porter

Small Business Consultant,

employed with ASANDC

Sia Lo

Small Business Consultant,

employed with GFCDC

Univer sit y Avenue Busi nessPreparation C oll abor ative ( u7)

In January 2009, a group of eight community

based nonprots formed the University Avenue

Business Preparation Collaborative—which

has since come to be known as “U7”—to help

existing small businesses on University Avenue

in St. Paul prepare to survive the construction

of the Central Corridor Light Rail Line and thrive

after its completion.

NDC is the host organization for this

collaborative effort that is focused on

strengthening management and marketing

capacity.

PROJECT SERVICES

1. Results-Driven Marketing

Free one-on-one business marketing

and communications consulting.

2. On-Site Business Consulting

Professional specialists in all business

areas, with a focus on nancial health

consultations.

3. Business Resource Center andBusiness Planning Center

Computer access, free consulting services and information on all

business-related issues at the Rondo

Community Library and the SBC

Business Planning Center (near Hwy.

280).

4. Grants

Marketing and façade improvement

grants.

5. Small Business Workshops

Many business topics available for free

at Rondo Community Library, including

but not limited to:

• Marketing (accounting, marketing,

branding, online advertising)

• Website development

• Demographic analysis

• Recordkeeping

• Website development• Cash ow projection

• A new workshop titled “Survive

LRT - A Ten Step Guide”

6. Financing

Working capital (5.5%) interest rate,

business expansion and real estate

nancing.

LEFT TO RIGHT:

MARILYN PORTER,

MIGUEL JONGEWAARD,

ISABEL CHANSLOR,

SIA LO & STEVE OLSON9



Liabilities and Net AssetsLiabilities

Payables and other accruals

Notes payableTotal Liabilities

Net Assets

Unrestricted net assets

Temporarily restricted net assets

Total Net Assets

Total Liabilities and Net Assets $20,358,644

Key Government PartnersCity of MinneapolisCity of Saint PaulCommunity Development Financial Institution BoardHennepin County Library

Minneapolis Empowerment ZoneRondo Community Outreach LibraryU.S. Small Business AdministrationOfce of Community ServicesSaint Paul Port AuthorityState of Minnesota

FINANCIAL SUPPORTERS

IndividualsAlicia CordesTim Boberg

Leila PoulladaGreg & Janice DamesPamel WandzelJames LaFavePaul EnghAnthony Leonel LemaireSteve ErdallMichael ChristensonJulie Sands CauseyA. William SandsJeff AlexanderAvan SuguelleLuke Weisberg Samir SaikaliBonita MartinCristina EdelsteinBen Goldfarb

AssetsCash and cash equivalents

Contributions and other receivables

Loan receivables, net of allowance for loan lossesRental properties and equipment, net

Other assets

Total Assets $20,358,644

Incubator Program — $1,514,457 Management & General — $320,616

Incubator Operations — $1,184,283 Lending — $641,754

Microentrepreneur Training — $371,133 Fundraising — $38,658

Technical Assistance — $428,485

Expenses

14%

34%

10%

7%

8%

1%

45%

19%20%

26%16%

Grants and Contributions — $2,203,329

Incubator Rent — $940,462

Earned Income — $801,253

Government Grants — $1,004,047

Revenues & Support

Corporate and FoundationAllina Health SystemCampbell FoundationDeluxe Corporation FoundationF.R. Bigelow FoundationGeneral Mills FoundationH.E. & Helen Warren FoundationHeron FoundationMarbrook FoundationMarquette Financial Companies

Minneapolis FoundationNexus Community PartnersPiper Jaffray & Co.RBC Dain Rauscher FoundationSecurian FoundationThe Fredrikson & Byron FoundationThe Jay & Rose Phillips Family FoundationThe McKnight FoundationThe Saint Paul FoundationTravelers FoundationUS Bancorp FoundationValspar FoundationWells Fargo Foundation MinnesotaWestern Bank

CONSOLIDATED STATEMENT OF FINANCIAL POSITION (DECEMBER 31, 2009)

$1,767,220$929,963

$3,432,547$13,819,583

$409,331

$894,416

$17,034,382$17,928,789

$1,462,346$967,500

$2,429,846

CONSOLIDATED STATEMENT OF ACTIVITIES (DECEMBER 31, 2009)

Notes: (1) The nancial statements recognize revenue for pledged contributions as per statement of FAS #116. There were multi-year grants that were recognized in prior years. We continued to fulll programcommitments with restricted funds received in previous years. (2) The nancial statements are the consolidation of subsidiaries including Frogtown Entrepreneur Center, LLC; Mercado Vista, LLC (Plaza Verde);NDC REDI, LLC; NDC REDI II, LLC and NCS, LLC (Midtown Global Market). (3) Incubator operation subsidy and NDC overhead contributed.

Kathy MoriartyErik Takeshita

Elizabeth GeorgeEarlsworth Letang Anthony GeniaPaul GingerJoAnna HicksEdward PadillaSusan RoeBrian SingerMihailo TemaliDaniel FlicekMissy ThompsonMarcus WeissKate BarrMike LaFaveArvid PovilaitisEmily Maltz

Finan cial Statem ent

10



663 University Avenue, Suite 200

Saint Paul, MN 55104

Phone: 651-291-2480

Fax: 651-291-2597

www.ndc-mn.org

Coordination by:

Kathy Moriarty [email protected]

Maren Misner [email protected]

Design by:

Rachel A. Carlson

[email protected]

Building NeighborhoodEc onomies From Within

ndc 2009 annual report

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