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"Let all who are hungry come and eat••• 99
Help 'ensure that everyone in our community has a happy,
Passover. Use this coupon to help feed hungry
Jewish families.Yad Ezra will use your donation to purchase
Passover food to distribute to those in need.
The Money Store
ing the signatures, allowed a second
chance
to get other signatures.
Staff Writer
We want to be part of a solution
for people and not throw up unneces-
hen Oleg Ryakin needed
sary roadblocks," said Marcus, "but it's
$3,000 to replace his
necessary to be fiscally responsible to
non-running 1986
the community."
Oldsmobile, several local
Smart Snider, HFLA
banks turned him down.
president,
said the associa-
But 15 minutes after
role
is much like that
tion's
talking to two Hebrew
librarian.
of
a
Free Loan Association
"The librarian wants all
board members, the 61-
the books on the shelves
year-old had a $3,000
and all the books in circu-
promissory note in his
lation at-the same time,"
hand.
he said. "We want that
With the signature of
nobody should need to
two able cosigners, he will
come
to us, but we're here,
be loaned the money to buy
so
everybody
who needs
a 1990 Pontiac to get him
us should come to us.
to work on his own.
HFLA also adminis-
It happens every
ters the $1.25 million
Sunday at the association's
Jewish Federation of
headquarters in Southfield,
Metropolitan Detroit's
where anywhere from six
Neighborhood Project,
to 15 people sign up for an
which
makes home loans
initial interview. Sitting in
available
to Jews in Oak
the cramped waiting room
Park
and
Southfield;
the
with nothing but old
$1 million Jewish
Russian-language newspa-
Education Loan Service
pers and outdated Jewish
for day schools, and
Family Service pamphlets
$400,000 in outstanding
to read, the applicants don't
loans
for resettlement
have to wait long.
for new
programs
When the doors open at
Americans.
10 a.m. Sunday, board mem-
Marcus said the core
bers may see up to 15 people
business is the individual loan, and
within the next hour for initial loan
with a 98 percent return on loans,
interviews that could put up to $7,500
"the banks would kill for it."
into an applicant's pocket, double that
As the third oldest HFLA still active
for a business loan.
in
the
country, behind Pittsburgh, the
Applicants fill out a simple one-
oldest,
and New York City, Marcus
page form asking their name, address,
said
almost
$500,000 is being used in
Social Security number, reason for
the
community
right now.
loan and amount.
The core group of borrowers
The promissory note is filled out
sought money for "pro forma" auto
after answering a few follow-up ques-
loans, she said, or other needs includ-
tions, and the applicant leaves to get
ing home improvement, utilities and
the cosignatures.
funeral or medical expenses.
This is the place of last resort for a
Marcus said the needs of Jewish
Jewish person seeking a loan, said
people
for things like transportation
HFLA Executive Director Ruth
have not changed over the decades. It's
Marcus. Many applicants, like Ryakin,
just the specifics, from horses to autos.
do not have a credit history. Moving
"We've always helped families with
here from Moscow 11 months ago, he
births
or adoptions," she said. "If you
does not qualify for a loan at a bank
look
at
some of our archival files from
or credit union. The HFLA will also
the
1920s,
you'll see an entry labeled
give loans to non-Jewish employees of
'confinement'.
Its an old term for hav-
local Jewish agencies, she said.
ing
a
baby."
According to Marcus, a loan applicant
The new spin on the subject, she
will usually return with the cosignatures
said, is that "two years ago we loaned
in a couple of days. The loan committee
a family money for an in vitro fertil-
then meets and within a week, the appli-
ization." 7
cant is either given the money or, reject-
HARRY KIRSBAUM
IT
YAD EZRA
feedirg the lew/glf liotgry
$82.00
0 1 case of chicken
$55.00
0 1 case of matza
$48.00
0 I case of tuna fish
0 I case of gefilte fish • • . . $47.00
$41.00
0 112 case of chicken
0 1 case of coffee cake mix . $38.00
CI I case of soup/m.ball mix . $34.00
0 1 case of oil
0 1 case of tomato sauce . .
0 1 case of eggs
0 1 case of horseradish . . . .
El 1 case of grape juice . . . .
$26.00
$26.00
$25.00
$20.00
$19.00
"
0 A Seder Package for a family of six . . . . $75.00
Your contribution is eligible for a 50% Michigan Tax Credit.
(subject to certain limitations)
cases of Passover food as a tax
for
Enclosed is my check of $
deductible contribution of Yad Ezra to help feed hungry Jewish families.
Please make checks
payable and mail to:
Name:
Address:
City/State/Zip:
Phone: (
Yad Ezra
26641 Harding
Oak Park, MI 48237
Or, you may charge your contribution to your VISA/MasterCard or Discover.
(suggested minimum donation for charges - $18.00)
Card Number:
Expiration Date:
Signature:
(please print)
Name On Card:
The Va'ad HaKashrus of Buffalo wishes
to inform the public that
KAUFMAN'S
BREAD & ROLL
PRODUCTS
will not be under our supervision from
Wednesday, March 31st - Thursday April 15th
All expiration dates should be April 21st or later.
We Wish You a Happy
and Healthy Pesach
3/26
1999
14 Detroit Jewish News
Hebrew
Free Loan
Association
makes
borrowing
almost easy.
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