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Email: Claraloan@financier.com
Blog: Claraloans.blogspot.com
Linkedin: Clara Loans.

Mencari bantuan keuangan dalam perekonomian yang keras ini, yang Anda butuhkan untuk memecahkan masalah finansial atau Anda perlu membayar utang atau memulai bisnis ?????
Hubungi kami sekarang dengan penawaran yang terjangkau dari 2% per pinjaman dengan durasi maxium dari 30 tahun. Kami di sini untuk membantu, kita lakukan menjamin kepuasan pelanggan Anda, dan kami mendengarkan pelanggan kami karena pelanggan selalu benar.
Hubungi Sekarang merasa bahwa experince mana Anda disajikan di keinginan Anda dan istilah Anda.

Email: Claraloan@financier.com
Blog: Claraloans.blogspot.com
Linkedin: Clara Pinjaman.

Debt and the Racial Wealth Gap

IF you are black, you’re far more likely to see your electricity cut, more likely to be sued over a debt, and more likely to land in jail because of a parking ticket.

It is not unreasonable to attribute these perils to discrimination. But there’s no question that the main reason small financial problems can have such a disproportionate effect on black families is that, for largely historical reasons rooted in racism, they have far smaller financial reserves to fall back on than white families.

The most recent federal survey in 2013 put the difference in net worth between the typical white and black family at $131,000. That’s a big number, but here’s an even more troubling statistic: About one-quarter of African-American families had less than $5 in reserve. Low-income whites had about $375.

Any setback, from a medical emergency to the unexpected loss of hours at work, can be devastating. It means that harsh punishments for the failure to pay small debts harm black families inordinately. Sometimes, the consequence is jail. Other times, electricity is cut, or wages garnished.

The modern roots of the racial wealth gap can be traced back to the post-World War II housing boom, when federal agencies blocked loans to black Americans, locking them out of the greatest wealth accumulation this country has ever experienced. More recently, the bursting of the housing bubble and subsequent recession slammed minorities. In 2013, the median wealth of white households was 13 times the median wealth of black households, the widest gap since 1989.

Earlier this year, my colleague Annie Waldman and I took a close look at debt-collection lawsuits in three major American cities. We expected to see a pattern driven by income, with collectors and credit card lenders suing people most often in lower-income areas.

But income was just half the story. Even accounting for income, the rate of court judgments from these lawsuits was twice as high in mostly black communities as it was in mostly white ones. In some neighborhoods in Newark and St. Louis, we found more than one judgment for every four residents over a five-year period. Many were families who, knocked off their feet by medical bills or job loss or other problems, had simply been unable to recover.

Membangunkan Ekonomi Persatuan Melalui Pinjaman.

Perintis Clara Pinjaman Puan Clara Alderman di awal 70-an. Beliau melakukan pergerakan perubahan atas dasar hati nurani dan sains dalam bidang ekonomi. Beliau melawat kawasan setinggan dan melakukan pergerakan awal. Clara Alderman tertanya-tanya mengapa orang-orang yang miskin tidak mempunyai peluang yang sama seperti beliau atau sesiapa sahaja dari segi akses kepada perbankan.

Clara mengambil satu ke bank untuk memohon pinjaman dengan jaminan peribadi (secara peribadi menjamin hutang orang miskin oleh Clara). Lelaki itu diasuh dan dibimbing usahawan. Ajaib orang yang mampu membayar pokok hutang dan faedah. Inilah yang Jonah fikir menguatkan. Pergerakan dana pinjaman dan perniagaan mentor dilakukanmampan dan akhirnya pada tahun 1993, Clara diasaskan pinjaman clara.

Menariknya, hampir 95% daripada pelanggan wanita miskin Clara Pinjaman. Mengapa majoriti pelanggan wanita? Wanita dianggap lebihbertanggungjawab untuk menguruskan kewangan keluarga. Apa-apa tempoh yang diberikan ada mesyuarat ibu pelanggan untuk bermotivasi, pendidikan dan latihan perniagaan - bimbingan pemberdayaan clinicdan. Mesyuarat itu melahirkan lampiran antara Clara Pinjaman dan pelanggannya, lampiran di antara pelanggan dan pelanggan yang lain.

Mohon Sekarang untuk tawaran pinjaman yang menggalakkan oleh syarikat kami.Hubungi: Claraloan@financier.com