By 2001, Mr. Bigari was calling his collection of programs McFamily Benefits, and it worked well, for his employees and for him. So well, in fact, that three professors at the University of Colorado at Colorado Springs studied the program.
They found that from 2000 to 2002, turnover rates fell sharply at all of Mr. Bigari's restaurants; three had rates at or below 100 percent. All of the employees who used some part of the programs said they felt motivated to work harder. In the same period, his profit margin rose more than three percentage points.
Debra Powell, a divorced mother of five who managed one of Mr. Bigari's restaurants, said the program helped many of her crew workers, which in turn made her job easier. She herself had money problems, and Mr. Bigari found a budgeting course at a local nonprofit agency; it worked so well for her that she required all the managers in her store take it, partly because many of them had never had checking accounts.
She used Mr. Bigari's program in 2003 to get a loan for a personal computer and in 2004 to buy the first car she had ever purchased, a used Chevrolet Cavalier she still drives.
She says she misses Mr. Bigari at work, though she receives bigger bonuses now that the McDonald's Corporation runs her store. (Franchisees pay rent and licensing fees to the corporation that can total 16 percent of gross receipts, Mr. Bigari said. Company-owned stores do not have to pay, so they can be more generous to employees.)
''I would trade the money to go work for him again,'' Ms. Powell said. ''He's not in it for himself; he's in it for the people.''
Inevitably, some of the people he helps suffer setbacks and cannot honor their obligations. Keeping track of them began to consume more and more of his workday, and those of some of his store managers. ''That's when we knew we had to change the model,'' he said.
In 2002, the same year he remarried (he and his first wife divorced in 2000), Mr. Bigari morphed McFamily Benefits into an independent nonprofit group called America's Family. He chose the name because the goal was to offer the working poor the kind of guidance and support that traditionally came from families.
He arranged for a local car dealer to create a used-car warranty program for participants, and persuaded a local credit union to make loans for things like cars and computers, and to make small, short-term loans so that employees could break free from rapacious payday lenders.
America's Family had to guarantee the loans, but it was helping employees to build credit histories, even though many of them had never before used a bank. He also began working more directly with local charities and government agencies to ensure that employees who needed services got them, sometimes even persuading government offices to change their operating hours to help meet workers' needs.
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