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Racial Inequities in American Banking: Black Banks and Financial Institutions, and the Demise of the Westside Federal Credit Union in Las Vegas, Nevada

100%

Bracey E. N.

Dialogue and Universalism

2022

issue 3

199-214

This paper is not an indictment of Black banks and financial institutions, but it presents the difficulties and failures of such minority businesses. Unfortunately, some African Americans are naïve when it comes to banking, primarily because of a lack of financial literacy; and such education is not taught in our schools. Of course, financial education is the key for Black patrons who have never had a bank account. Whether this means that African Americans should only bank with Black financial institutions is important to understand, because of the racial disparities and flat-out discrimination when it comes to banking credit and providing business, home, and personal loans to Black banking clientele. In this regard, traditional white banks in the United States simply upset the financial apple-cart, to use the metaphor, when it comes to fairly dealing with Black people—that is, lending to Black entrepreneurs and legitimate borrowers. With the failure of Black banks, because of a lack of capital and high net-worth individuals and white investors, it has been extremely hard for many of these venerable institutions to hang-on when providing maximum loan possibilities needed over the years (sometimes more than necessary).

Bankowość islamska a bankowość konwencjonalna

80%

Agata O. B.

Ekonomika i Organizacja Przedsiębiorstwa

2015

issue 2 (780)

15-30

Niniejszy artykuł prezentuję istotę, historię i główne założenia bankowości islamskiej. Przedstawia instrumenty finansowe oferowane przez islamskie banki oraz zasadnicze różnice pomiędzy bankowością islamską a bankowością konwencjonalną.

This article presents the most important theoretical foundations of Islamic banking and its relation to conventional banking. This paper shows also the comparison of the performance of Islamic and conventional banks and points out several problems that may influence further development of Islamic banking .

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1 Dialogue and Universalism

1 Ekonomika i Organizacja Przedsiębiorstwa

1 2022

1 2015

1 Agata O. B.

1 Bracey E. N.

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Racial Inequities in American Banking: Black Banks and Financial Institutions, and the Demise of the Westside Federal Credit Union in Las Vegas, Nevada

Bankowość islamska a bankowość konwencjonalna