3c hapter - Index of

6
C H A P T E R
The Biggest- Impact
Financial Sector You’ve
Never Heard Of
Community Development Loan Funds Reach Out
to Individual Investors
When Kym Ramsey wanted to open a child- care center in
1999, she knew she was not the ideal bank candidate. Then 33,
she had no experience running her own business and no collateral
to speak of. What she did have was guts and passion. Ramsey,
who got her economics degree at Georgetown University on an
ROTC scholarship, had jumped out of airplanes and fi red tanks
in Iraq during Operation Desert Storm. Returning home to the
Philadelphia suburbs, she earned a graduate degree in human
resources and worked in that fi eld for a couple of large companies,
teaching business as an adjunct professor on the side.
With her daughter in day care, Ramsey began to think about starting
her own day- care center, combining a love of learning and her
business background.
After studying the fi eld, she decided that her best bet was to
open a franchise of a national day- care school, like the one that
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