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Economic Self-Sufficiency

Strategic Priority: Ho’okahua Waiwai

To have choices and a sustainable future, Native Hawaiians will progress towards greater economic self-sufficiency.

Why is this important?

One of our greatest obligations to Native Hawaiians is to help them address challenges to affordable housing. As part of our Hoʻokahua Waiwai initiative, we are seeking to increase the percentage of Native Hawaiians who own a home. At the same time, we are seeking to decrease the number of renters who are paying more than 30 percent of their income on housing costs. To achieve our goals, we have been working with organizations like Habitat Humanity to create affordable housing opportunities in such communities as West Hawai’i, Waimānalo and on Kaua’i. Within the past year, we have helped 49 Native Hawaiian families with down payments to buy homes through a program coordinated by the Council for Native Hawaiian Advancement. The Hoʻokahua Waiwai initiative also calls for increasing Native-Hawaiian family income, which involves asset building and financial education. By partnering with an array of service providers, we have been able to support programs that help create a job-ready Native Hawaiian workforce for future employers as well as prepare small-business owners to overcome barriers to starting and expanding their businesses. Our emphasis on Hoʻokahua Waiwai is ultimately about improving the quality of life for Native Hawaiians.

What is our aim?

  • Increase Family Income: Native Hawaiian median family income will equal 100% or greater than the statewide median family income
    • 92% or greater than the statewide median family income by 2018
  • Build Stability in Housing: Increase the percent of Native Hawaiians who improve their capacity to own or rent a home by focusing on:
    • By 2018, decreasing from 55% to 50% the percent of Native Hawaiian renters who are paying more than the HUD standard housing cost (no more than 30% of household income)
    • By 2018, increasing Native Hawaiian owner-occupied housing from 56.62% to 58%

Our research shows us that:


Community Stories

Strategic priority in action: Ho’okahua Waiwai

MOLOKAI — For hunter, fisherman and carpenter Yama Kaholo’a’a, his list of feats since moving to Moloka’i more than 30 years ago is as long it is varied, including teaching teens from broken homes survival skills in the island’s rugged rain forests, building his four-bedroom house by himself, and raising seven children.

But gaining legal custody of three granddaughters remains the triumph that this 68-year-old resident of the Ho’olehua Homestead is genuinely most excited about.

With an emergency $7,500 loan from the Office of Hawaiian Affairs, Kaholo’a’a, who has 26 grandchildren, was able to make the home improvements that Child Welfare Services made a condition for giving him custody of three granddaughters and keeping them out of Hawaii’s foster care system.

“My grandchildren mean everything to me,” Kaholo’a’a said during a conversation in his garage before a June 18 community meeting on Moloka’i hosted by OHA trustees. “Without that OHA loan, I don’t get the chance I have today, which is to create a more stable life for three of my granddaughters.”

Kaholo’a’a is among more than 400 Native-Hawaiian consumers who have borrowed an estimated $2 million from OHA’s often-overlooked emergency loan program since it was created in 2005.

Called the “Consumer Micro-Loan Program, it was created for Native Hawaiians, who are experiencing temporary financial hardship due to unforeseen circumstances.

The program makes up to $7,500 in low-interest loans available to Native-Hawaiian consumers to pay for emergencies ranging from auto and home repairs to funeral and legal expenses.

Kaholo’a’a used the loan mainly to fix a roof that leaked and install windows that keep mosquitoes away. More importantly, the home repairs allowed him to comply fully with federal child-welfare standards designed to protect kids like his granddaughters – 14-year-old Makaila, 13-year-old Shandalyn, and 15-months-old Caroline — from neglect and abuse.

For Makaila, whose extra-curricular pursuits include volleyball and softball, the home repairs bring with them the promise of stability in her life, which is enriched by a grandmother, Caroline, who she describes as “caring and funny” and a grandfather that she said “never says no” and takes her everywhere, including diving for prawns and other seafood in his 33-foot boat.

“Without my grandparents, I would feel sad and lost,” Makaila said. “I don’t think I can handle not being with them.”

For more information about OHA’s Consumer Micro-Loan Program, click HERE.


How We’re Doing

Tracking our progress in real time

The data presented below is a snapshot of how weʻre doing in the strategic priority area of Ho’okahua Waiwai and is part of a larger effort to provide transparency and improve accountability. To view the full dashboard, please visit dashboard.hawaii.gov/oha.

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