b'2024 Social Impact ReportCesspool to SepticCounty Grant SupportUpholding our values of honoring culture,In response, Kauai FCU developed a community, and climate, the Communitycesspool-to-septic loan program, which Impact team provided technical assistancefacilitates the construction of additional for Kauai residents applying for $20,000housing units and allows residents to County Grants to offset the cost of state- remain in their homes. mandated cesspool conversions, launchingCourtesy of Hawaii Community Lending new Cesspool to Septic loans. The loansThe long-term outcomes of this initiative included six months of deferred paymentsinclude income generation, increased to ease the financial burdenfor members.housing inventory, reduced out-migration, and positive ecological improvements.First TimeWhile Kauai is often referred to as the Garden Island, it is also home to moreWe extend our appreciation to allHomebuyers Programthan 8,000 cesspools for waste collection,contributors of creating a holistic solution presenting health risks and obstacles toto the cesspool issues, including our local home ownership, as construction or homecounty government for administeringWe were honored to support Native HawaiianThis milestone reflects our unwavering improvement permits are not granted if athe grant and local trade companies forfamilies on Hawaiian Homelands in achievingcommitment to fostering equality, property has a cesspool and the averageanswering the call. the dream of homeownership. Through theempowerment and opportunities for all. It is cost of converting a cesspool to a septicFirst-Time Homebuyer program, we provideda testament to the power of collective service system is around $40,000.three grants of $75,000 to qualifying familiesin creating meaningful change right here on in 2024. Kauai.28 29'