The Future of Caregiving

The Fund for Jobs Worth Owning creates quality jobs in industries like home care and child care that employ significant numbers of minority and low-income workers. Worker ownership offers a path for economic advancement, respect and autonomy. Worker-owned businesses also keep vital jobs rooted in local communities and support crucial services. By making high quality and consistent elder and child care available, people can go to work with the confidence and knowledge that their loved ones are receiving quality care.

Learn how we invest in worker-owned caregiving cooperatives.

Financing for Home Care & Child Care Cooperatives


In 1988, three young mothers came together to do what had not been done before in the US: start a worker-owned child care center that would be a model of fair compensation and participative management for workers, as well as equitable access and engaging, child-centered services for the children in their care. Twenty-five years later, this unique institution employs over 40 workers, and serves 200+ families of at a variety of income levels at its two facilities in the Philadelphia area.

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Heartsong Homecare Co-op

Encouraged by the success of the four other home care cooperatives currently operating in Washington State, a committed group of caregivers in eastern Washington wanted to start their own home care cooperatives to serve rural Skagit and Island counties. Heartsong came to FJWO with a strong business plan and experienced management team as well as a core group of caregivers ready to serve the community.

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The Home Care Workers Purpose Trust

In Washington State, a private joint employer of 38,000+ Individual Provider home care workers serves more than 70% of the public home care market. Consumer Direct Care Washington (CDWA) promotes quality jobs and protects the rights of those home care workers. The Individual Provider program’s workforce—those who benefit from these high-road practices—is nearly 90% women and disproportionately people of color.

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Cooperative Care

A primary example of the positive impact of our Fund is our first loan, made to Cooperative Care, a 35-member worker-owned home care cooperative in rural Wisconsin that has operated successfully for 20 years. Cooperative Care serves a sparsely populated market with a low-income client base (the majority receive Medicaid-sponsored care). In some counties they are the only provider of home-based care for seniors and the disabled on public pay programs.

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The Fund for Jobs Worth Owning is the leading expert in providing financing strategies for worker-centered business.

We'd love to hear from you. Contact us to see how we can help reach your goals.

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The Fund for Jobs Worth Owning | (617) 383-8192
136 West Street #1, Northampton, MA 01060
© 2022 FJWO. All rights reserved.

In accordance with federal laws and U.S. Department of the Treasury policy, this organization is prohibited from discriminating on the basis of race, color, national origin, sex, age, or disability. To file a complaint of discrimination, write to: U.S. Department of the Treasury, Director, Office of Civil Rights and Equal Employment Opportunity 1500 Pennsylvania Avenue, N.W., Washington, DC 20220; call (202) 622-1160; or send an e-mail to: