We currently offers loans and coaching services in the following states.

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Rhode Island

About Us

Andy Posner Founder & Chief Executive Officer

staffpic Andy Posner founded Capital Good Fund while getting his Master of Arts in Environmental Studies at Brown University, where he was studying financing mechanisms for clean energy. After reading Banker to the Poor by Dr. Muhammad Yunus, the 'Father of Microfinance' and Founder of Grameen Bank, he quickly realized that equitable financial services could unlock the potential of the poor just as they could do the same for clean energy technologies. At the same time, as the financial crisis of 2008 began to unravel the economy and devastate low-income communities, Andy decided to take action. He created Capital Good Fund with an eye toward using financial services to tackle endemic poverty, first in Rhode Island, and then nationwide.

Andy is a firm adherent of Dr Yunus' dream to put poverty into museums; or, as Andy likes to put it, to put poverty out of business. Andy's work has been featured in Providence Business News, the Providence Journal, the Providence Phoenix, the Federal Reserve Bank of Boston's quarterly publication, the Rhode Island Small Business Journal, CNN and other print, radio and television media. He is also proud to be the Treasurer of the national Board of Directors of the Credit Builders Alliance, an organization of which Capital Good Fund is a member.

Andy has published his ideas in the Huffington Post, Treehugger.com and the Stanford Social Innovation Review, to name a few examples. He was also selected as a 2011 Hitachi Yoshiyama Young Entrepreneur and a 2013 American Express Emerging Innovator (one of 45 globally). When pressed to describe himself, he'll say that he is a pragmatic idealist who believes that creative business models, advanced data analytics, and a mix of market and mission-centered forces can lead to dramatic social change. When not at work, Andy likes to blog, write poetry, read and bike ride; in fact, in 2005 rode his bicycle 3,800 miles across the United States.

email: .(JavaScript must be enabled to view this email address)
phone: 866-584-3651, Ext. 105

Libby Kimzey Chief Operating Officer

Libby Kimzey During Libby's five years at Capital Good Fund, she has transformed the organization related to the development and implementation of programs, technology systems, and financial management.

Prior to starting at Capital Good Fund in 2010, Libby had a number of accomplishments in related positions. She served as Energy Program Manager at the District Department of Environment in Washington, DC. There, Libby designed, planned, and executed the Energy Program of the nation’s largest youth green jobs program. In this program she recruited, trained, and managed 11 supervisors to work with 120 District youth ages 14-21, while developing work plans for three projects with multiple grant partners, engaging youth in energy-efficiency retrofits in 600 residences, community organizing, and green construction. Before then she was the Project Manager of Project 20/20, an EPA Merit Award-winning initiative of Brown University and Wal-Mart which retrofit lighting in 5,321 low-income RI residences with 65 part-time employees and a $200,000 budget.

Libby has been an active mentor with Foster Forward’s Real Connections program since 2011, working with the same youth, now aged out of foster care. Libby is a member of the West Broadway Neighborhood Association and the Federal Hill Commerce Association, and serves as President and Treasurer of the Federal Hill Condominium Association. She is also an active volunteer and former Council Member with start-up Urban Greens Food Cooperative. Finally, she is a proud alumna of the AmeriCorps VISTA program.

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phone: 866-584-3651, Ext. 104

Laura RijoDirector of Loan Servicing

staffpic Laura has lived in the state of Rhode Island since 2009. She attended the Community College of Rhode Island from 2010 to 2012 and Graduated with honors from Johnson & Wales University with a Bachelor’s Degree in Hotel & Lodging Mgmt. in May of 2015. She has volunteered and worked closely with the J. Arthur Trudeau Memorial Center for individuals with developmental disabilities, and also with Dorcas International Institute of Rhode Island, whose mission is to assist low-income adults in the state of RI to realize their full academic and professional potential. In the past Laura has worked for companies such as Bank of America and Colwen Management, as well as one the biggest payday loan companies in the country. Currently she’s looking forward to changing as many lives as possible through the mission and vision of Capital Good Fund.

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phone: 866-584-3651, Ext. 115

Chadria Major-ThomasDirector of Loan Origination

staffpic Chadria comes to Capital Good Fund already a veteran in the nonprofit world. For the past ten and a half years she has poured her heart out serving school-age children of Providence in childcare/out of school time programs. What attracted her to Capital Good Fund was the mission of helping people get out of poverty. She has personal experience with the damaging effect of the poverty mentality that plagues many families and cripples them from having all that they should have. As the Director of Loan Origination at Capital Good Fund, Chadria hopes to build relationships that support a healthy financial lifestyle and help people in any way possible. She enjoys splashing in puddles in her rain boots, reading in comfy places, and eating bacon!

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phone: 866-584-3651, Ext. 123

Hillary FeeneyDirector of Coaching

staffpic Hillary moved from California to Rhode Island to pursue a Master’s in Business Administration with a management concentration at Providence College. She also completed a leadership development certificate at Providence College in 2016. Before coming to the Capital Good Fund, Hillary oversaw management and operations of nonprofit organizations that connected Rhode Islanders with career pathways in healthcare and other industries. She also guided student entrepreneurs at Brown University through developing their business ideas. Hillary brings her passion for strengthening our community by using business approaches to the Capital Good Fund. Currently, she manages the coaching department, which includes a randomized control trial in partnership with the Providence Public School Department. In her free time, Hillary enjoys gardening, picnicking, meeting new people, and making fruit-infused water.

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phone: 866-584-3651, Ext. 130

Charles Frumerie Director of Communications

staffpic After graduating from Arizona State University with a degree in graphic design, Charles moved to Rhode Island. Seeking a meaningful line of work, Charles started at Capital Good Fund. He now manages the organization’s image through design, video editing, marketing, and more. Charles does what he loves while furthering a great cause—it doesn't get much better than that. In addition to creative outlets, Charles’s basic needs include time outdoors and chocolate milk.

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phone: 866-584-3651, Ext. 107

Muna IdrissDirector of Systems

staffpic Muna moved from Atlanta, Georgia to attend Brown University and graduated with the class of 2014, with dual degrees in Africana Studies and Slavic Studies. Her interdisciplinary work has included writing plays and immersive language-learning. Muna served for two years as an AmeriCorps VISTA and is now in her fourth year with Capital Good Fund. At Brown, she was an English language consultant serving Brown international graduate students and Alumni Relations Chair for her coed fraternity. She loves foreign languages, different perspectives and compelling narratives. In her downtime, she enjoys well-written scripted dramas, throwing dinner parties, and conspicuous consumption.

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phone: 866-584-3651, Ext. 121

Elijah PetersonSenior Development Officer

staffpic Elijah was born in Charleston, South Carolina, but has called Rhode Island home for the past nine years. In 2013, he graduated from Brown with a degree in psychology. He spent the next year and a half in Providence's labor movement advocating for safer workplaces, a living wage, and greater protection for working mothers. Watching his co-workers and comrades struggle with poverty motivated Elijah to join AmeriCorps, which led him to Capital Good Fund. In his spare time Elijah enjoys crosswords, exploring, trying new food, and '90s teen movies.

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phone: 866-584-3651, Ext. 113

Diane CostaHuman Resources Officer

staffpic Diane’s career in human resources includes experience in the private and nonprofit sectors as well as consulting to companies and organizations too small to have a formal human resources function. She is a member of the Society for Human Resource Management (SHRM). Her life-long volunteer experience includes participating as a member of the board of directors of a credit union, tutoring, career coaching, serving on employment committees of nonprofit community agencies, preparing income taxes through the IRS VITA program, and serving as job bank developer for Job Club RI. Diane has a special interest in career coaching, and she was drawn to joining Capital Good Fund's team dedicated to social change.

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phone: 866-584-3651, Ext. 125

Joyce BraboyAccounting Manager

staffpic Joyce is a native Rhode Islander who grew up on the East Side of Providence. She is a product of public schools and a proud alumnus of Rhode Island College and New England Tech with degrees in Liberal Arts and Computer Programming respectively. Joyce has spent most of her working career in the non-profit arena and appreciates mission and vision versus bottom line and profit. Joyce has two children Daria (22) and David (19). She enjoys singing in her spare time and is very involved in her church where she directs the gospel choir. She also serves as treasurer for a 501(c)(3) community choir, RPM Voices of RI. Joyce enjoys working for a company which empowers and uplifts low-income families through cultivating a strong financial foundation.

email: .(JavaScript must be enabled to view this email address)
phone: 866-584-3651, Ext. 124

Natasha LirianoFinancial Coaching Officer

staffpic Natasha is a recent Graduate from Johnson & Wales University Providence Campus in Rhode Island. She graduated in May 2015 with a Bachelors of Science in International business and concentration in Business Communications. Natasha is of Dominican descent from New York City, but has been living in Rhode Island for 4 years. Natasha worked with Harlem Children’s Zone in New York City, a program which focused on youth development, and provided assistance to both students and parents on ways to increase opportunities. Natasha loves helping others, and is a firm believer that everybody is placed on this earth with a purpose. She believes her purpose is to help change the world and open new doors for individuals to help them pursue their goals. Her ultimate career goal is to touch many lives and help end the “Cycle of Poverty”. In her spare time, you can find Natasha studying for her Masters in Business Administration at Johnson & Wales University, spending time with family or organizing events for the Johnson & Wales University Community. She also enjoys dancing, meeting new people, playing basketball and writing poetry.

email: .(JavaScript must be enabled to view this email address)
phone: 866-584-3651, Ext. 102

Heiry BuluxLoan Officer

staffpic Heiry is an undergraduate student at the University of Rhode Island studying Psychology, graduating in May of 2016. Throughout the course of her life, she has encountered many obstacles, many open doors and many closed doors. Each experience has been a learning opportunity about herself and the world around her. Every moment has helped shape her into the person she is becoming. Heiry has a great desire to help others. Whether it may be physically opening a door, spiritually offering prayers, mentally and emotionally problem solving, or helping achieve personal or developmental goal, she would like to be part of it for someone, anyone. She has a great compassion towards others and would love to express that compassion throughout her career. Receiving the opportunity at Capital Good Fund has been a great blessing for her, for she knows that as part of the team she will be helping others.

email: .(JavaScript must be enabled to view this email address)
phone: 866-584-3651, Ext. 122

Vannessa RamirezLoan Officer

staffpic As a New Yorker with a heart in Rhode Island, Vannessa has learned to adapt to differing environments, interact with a diverse population and gain new perspectives from every experience she encounters. She is in her final year of a Bachelor of Arts in Psychology from the Inter American University of Puerto Rico, where she was able to pursue bilingual studies. She emphasizes the importance of having balance in all aspects of life to truly benefit from multiple opportunities. Vannessa served as a Team Leader for the City Year Young Heroes Program, working to run leadership development programs for middle school students, while assisting Hope High School counselors as a Senior Leader Mentor for students. Her most recent experience includes working as a Bachelor-Level Intern for the Bridge of Central Massachusetts, where she focused on milieu therapy, skills groups and introduction to adolescents with mental health challenges and/or developmental disabilities. Her passion for helping the community has been demonstrated in her past work as well as her plans going forward with Capital Good Fund. Vannessa is a strong believer in demonstrating how your age or current situation does not reflect your abilities, experience and dedication to any task or goal, including financial stability and education! Outside of working and studying, Vannessa loves to dance, exercise daily and make everyone smile any way she can.

email: .(JavaScript must be enabled to view this email address)
phone: 866-584-3651, Ext. 126

Andreas NahasCredit Officer

staffpic Andreas has come to Providence by way of Brazil, Germany, and Upstate New York. Most recently he was living in Chicago while studying Political Science and Cinema and Media Studies at The University of Chicago. He still remains active in The University of Chicago community as an Alumni Interviewer for their admissions department. Andreas began his relationship with Capital Good Fund in 2015 as a Financial Coach. He was drawn to Capital Good Fund in order to effect positive change in people’s lives and hopes that as a Credit Officer he can continue to have an impact in people’s lives. When not at Capital Good Fund, Andreas spends his time crafting fine charcuterie, traveling, playing in two soccer leagues, and generally having his heart broken by his beloved Arsenal FC.

email: .(JavaScript must be enabled to view this email address)
phone: 866-584-3651, Ext. 128

Angela ToscaInformation Systems Officer

staffpic Angela is a recent Rhode Island transplant, having spent much of her life in the Pioneer Valley of Western Massachusetts. She discovered her ability to program computers while working as an Administrative Assistant at Smith College and went on to earn her B.A. in Computer Science through Smith’s Ada Comstock Scholars program. Over the past five years she has helped organizations research and develop new tools for many purposes, including systems monitoring, software testing, and data processing. Angela is deeply committed to ethics and inclusivity in computing, and is excited to have a home at the Capital Good Fund where she can put those values into practice. She enjoys empowering others to access the technology they need. Outside of work she loves to study music, drink tea, and use her imagination. She can often be found playing tabletop RPGs with gaming groups around Providence.

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phone: 866-584-3651, Ext. 131

Anim YeboahWeb Development Officer

staffpic Venturing into a new country, Anim moved to the United States from Europe in 2014 and quickly discovered a new home in Providence, Rhode Island. He holds an Honors degree in Information Management from the University of Technology in Munich, Germany. Prior to joining Capital Good Fund, Anim worked as freelance web developer, user experience designer, and later CTO of a New York Internet startup which he co-founded. As an immigrant himself, Anim knows the challenges of establishing a secure and healthy life in this country and has a vested interest in serving the local community. At Capital Good Fund, he is currently responsible for creating exceptional user experiences for the organization’s online services, furthering the goal of making financial services accessible by the community. When not at work, Anim loves to spend time hiking and camping, practicing martial arts and meditation, and going on adventures with his moderately loyal dog Benito.

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phone: 866-584-3651, Ext. 132

Simon LichterMarket Research Officer

staffpic Simon views the glass as twice as big as it needs to be; this attitude has served him well in nonprofit environments. In 2011, Simon earned his degree in Marketing & Advertising Communications at Johnson & Wales University and he returned to Rhode Island in 2014 to start his M.B.A. in general business. He has experience working with low-income individuals through community building programs and has worked for a direct mail agency that specialized in nonprofit fundraising. Capital Good Fund was a natural choice for Simon, as he wants to pursue a career in financial marketing. Off-hours, you can find Simon exploring new trails with his K9 roommate, Sugi.

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phone: 866-584-3651, Ext. 133

Allison BarinasClient Services Officer

staffpic Allison was born in the Dominican Republic, but lived in Rhode Island for a few years during her childhood before going back to the DR in high school. After graduating, Allison got into customer service working for Dish where she got over her fear of speaking on the phone. Shortly afterwards, Allison developed a passion for cooking and baking. She went on to get an AOS degree in baking and pastry arts at the Culinary Institute of America in Hyde Park, NY. Now Allison is back into customer service with Capital Good Fund, where she hopes to help as many people as she can with a positive attitude! Allison loves dogs, kids, and anything chocolate.

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phone: 866-584-3651, Ext. 134

Sarah LairdDevelopment Officer

staffpic Sarah is a recent graduate from Emmanuel College. She graduated in May 2016 with a B.A. in Global Studies & International Relations with a minor in Gender, Women, & Race Studies. Sarah has been passionate about social justice since she was young and after starting a chapter of Invisible Children at her high school, she knew she needed to dedicate her studies in higher education to improving lives. During her four years at Emmanuel Sarah completed three internships dedicated to helping people through education, government access, after-school programs, ending the use of nuclear weapons, and closing the opportunity gap for children entering kindergarten. Sarah was a mentor for incoming freshman through the school's Students Adjustment Guided Effectively program and was a peer tutor for a sociology course for two years. Fresh out of college she is excited to join Capital Good Fund and promote the non-profit’s incredible work. Sarah is a firm believer that anyone can accomplish anything they put their mind to given the tools of education and support from the people around them. After growing up in south shore Massachusetts and attending school in Boston, Sarah is eager to join the Providence community. In her downtime she enjoys playing with dogs, road trips, listening to Beyoncé, and eating pizza.

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phone: 866-584-3651, Ext. 135

Rocio EsparzaFinancial Coaching Officer

staffpic Rocio is a California native with her heart in San Diego but she’s excited to call Rhode Island her new home. She has a passion for service with compassion and empathy. Rocio received her Bachelor of Arts in Psychology from the University of San Diego and has been able to dedicate her education in a wide variety of settings. Her experience ranges from providing behavior intervention therapy to children, mentoring young adults in their struggle with mental illness, and addiction recovery. Rocio has also worked as a claims advocate for Veterans’ disability benefits. She has provided services to a broad scope of the population and every experience has served as a learning opportunity to better address the needs of her community. Rocio brings her mission of service and empowerment to Capital Good Fund by educating and coaching others on their path to financial freedom. She is excited to be part of a team creating social change and dedicated to creating new economic opportunities available to all. Outside of work, you can find Rocio at the nearest coffeeshop, yoga studio, or thrift store.

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phone: 866-584-3651, Ext. 137

Jennifer HayAccounting Officer

staffpic Jennifer was born in Connecticut and moved to the Ocean State during high school. She is currently attending Johnson and Wales, pursuing an accounting degree. Jennifer worked at Providence Performing Arts for years and in the private sector after that. She has a sweet rescue cat named George. Jennifer has volunteered for different causes over the years, and has decided to make it her line of work as Good Fund’s Accounting Officer. Jennifer loves cook, and will always enjoy a good mystery.

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phone: 866-584-3651, Ext. 138

Our Splendid Financial Coaching (FC) Fellows

Community College of Rhode Island
Arianna Mazariegos
John Harnett

University of Rhode Island
Ally Dufficy
Spence Gaye

Brown University
David Engel

Bryant University
Parker Dubuque
Nicolas Ketchum
Julia Lopez

Johnson and Wales University
Chantal Duran

Roxana Mercado
Monica Leandre
Hana Nguyen

Our Amazing Interns

Mariline Chantre, Loan Servicing Intern
Nicole Nehiley, Client Services Intern
Omar Peña, Accounting Intern