Real innovation is in the implementation

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Andy Posner founded Capital Good Fund while still a student at Brown University, where he studied financing mechanisms for clean energy and earned a master of arts in environmental studies. He founded the nonprofit with an eye toward using financial services to tackle endemic poverty, first in Rhode Island and then nationwide. The fund now offers small personal and auto loans, along with financial coaching, in three states, having added Delaware and Florida last October. / PBN PHOTO/RUPERT WHITELEY

Andy Posner | Capital Good Fund Like many corporate and nonprofit leaders, I have often, in difficult times, sought a breakthrough idea to get through the challenge: a new business model, a viral marketing video. After eight years as the CEO of a rapidly growing nonprofit, I’ve come to recognize this impulse as misguided, for

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