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Financial Drain: Payday Lenders Extract Millions from Hoosier Communities

In 2002, the Indiana General Assembly granted payday lenders an exemption to our state's loansharking law, allowing them to charge up to 391% APR. Over the past five years, payday lenders have used that exemption to drain over $300 million in finance charges from Hoosiers, largely in low-income communities and communities of color.


SEPTEMBER 2018 | Financial Drain Report

The Status of Working Families in Indiana: 2018 Report

Indiana once was a leader in the Midwest in income, poverty, employment rates, and more. Now, with declining standard of living, it faces a choice: continue the low-road policies that brought us here, or focus on policies for working families that will restore broad-based economic prosperity.


AUGUST 2018 | Status of Working Families in Indiana Report

Wages, Wealth, & Poverty: Where Hoosier Women Stand & Ways Our State Can Close the Gaps

Hoosier women earn less, own less, and experience poverty more often than men. Suggested state policy solutions would address the gaps by giving women the tools to combat pay discrimination, resolving caregiver-worker tensions, improving equity in education, and giving Hoosier women a raise. 


DECEMBER 2017 | Wages, Wealth, & Poverty Report


Clearing the Jobs Pathway: Removing Non-Academic Barriers to Adult Student Completion

In order to reach the state’s workforce and economic goals, Indiana needs leadership to better align resources for adult students and to remove barriers that stand between them and post-secondary education and training programs.


JUNE 2017 | Jobs Pathway Report

Paid Family and Medical Leave: Policy Analysis and Recommendations for Indiana

This report describes the many benefits of paid family and medical leave for employees, their loved ones, businesses, and the economy and makes recommendations for state legislation that would maximize low-income, working families' ability to take leave.


DECEMBER 2016 | Paid Family & Medical Leave Report



The Self-Sufficiency Standard for Indiana 2016

This report presents and analyzes The Self-Sufficiency Standard for Indiana 2016. The measure calculates how much income a family must earn to meet basic needs, with the amount varying by family composition and where they live.


JANUARY 2016 | The Self-Sufficiency Standard for Indiana

On the Road: Exploring Economic Security Pathways in Indiana

This report addresses the issue of economic security for Indiana households. The Self-Sufficiency Standard approach to economic security consists of three elements: securing the costs of daily basic needs, creating an emergency savings fund, and choosing the appropriate asset-building Economic Security Pathway(s).


JANUARY 2016 | On the Road Report



The Status of Working Families in Indiana: 2015 Report



Sector Strategies in Indiana: A Summary of Efforts




Reverse Credit Transfer - A Completion Strategy that Indiana's Earned

Status of Working Families in Indiana: 2012 Report




Credentials of Opportunity - Better Jobs, Better Employment and Better Outcomes

The Cliff Effect - One Step Forward, Two Steps Back

Status of Working Families in Indiana: 2011 Report




Work Sharing - A Win-Win-Win Strategy for Avoiding Job Loss

The Status of Working Families in Indiana: 2010 Report



Status of Working Families in Indiana, 2009

2009 Annual Report



The Self-Sufficiency Standard for Indiana, 2009

Excel Sheet with 70 Family Types in all 92 Counties from The Self-Sufficiency Standard for Indiana 2009

Lumina Executive Summary - Investing in Indiana’s Adult Workers: Increasing Financial Aid Opportunities (PDF format)

Lumina Final Report - Investing in Indiana’s Adult Workers: Increasing Financial Aid Opportunities, June 2009 (PDF format)


To see Reports and Publications previous to 2009 please click here to view Institute archives.