Charlotte is Emeritus Professor of Economics at Chatham University in Pittsburgh, Pennsylvania. During her 34 years on the faculty, she taught courses in economic development, international trade and finance, economic theory, and statistics. Charlotte was fortunate to take faculty and student study tours to Taiwan; Shanghai, China; Egypt; Paris, France; and Berlin, Germany. She has a Ph.D in economics from the University of Pittsburgh, a M.A. in Library Science and a B.A. in history from the University of Michigan—Ann Arbor. Charlotte is an active member of the Community of Reconciliation, an interracial, multi-denominational Christian church committed to an inclusive congregation and dedicated to social justice. She is married to Randy (retired from Westinghouse) and has four grown children and four grandchildren. Charlotte first became involved with Oikocredit in 2005 when she was invited to join the Board of the Western Pennsylvania Support Association (now merged with Oikocredit US). She has attended Oikocredit Annual General Meetings in Bonn, Germany (2005), Oaxaca, Mexico (2006), and Potsdam, Germany (2015). Charlotte remains committed to Oikocredit’s vision of a just world where sharing resources enables all to have lives of dignity and purpose.