www2.fiu.edu_~girardc_4700SEG.16

Private banksmortgage cos use maps stops capital

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1.Private banks,mortgage cos. use maps--stops capital inflow in black areas 2.no financing for mortgages, home improvement causes property values decline a. Causes pattern of disrepair, deterioration, vacancy, abandonment (1993:55) 3. Denies blacks appreciating home values--one of the pillars of middle class status B.Atlanta Constitution study (1989):11% rejection for whites, 24% blacks for loans 1. In 3 out of 5 years, high income blacks rejected more than low income whites C. Not black choice: 95% willing to live in neighborhoods 15-70% black D. Cause racial steering: audit studies show guiding to black areas by real estate agents V.Effects of Segregation: 1. Poor schools and inferior services, 2. blocked socioeconomic mobility via increased property values, 3. effect of oppositional ghetto culture on black educational performance (Rosenbaum), 4. black English vernacular (Ebonics) causes job discrimination--employers see as disrespectful, undependable, 5. oppositional culture devalues work, schooling, marriage, 6. Ticking time bomb behind
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3/1/12 www2.fiu.edu/agirardc/4700SEG.16.htm 2/2 www2.fiu.edu/agirardc/4700SEG.16.htm explosive race riots. back to class notes index
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  • Fall '09
  • CHRISGIRARD
  • Southern United States, Se gre gation

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