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Race financial institutions, credit ...

Nier, Charles L., III.

Race financial institutions, credit discrimination and African American home ownership in Philadelphia, 1880--1960.

Record Type:	Electronic resources : Monograph/item
Title/Author:	Race financial institutions, credit discrimination and African American home ownership in Philadelphia, 1880--1960.
Author:	Nier, Charles L., III.
Description:	335 p.
Notes:	Source: Dissertation Abstracts International, Volume: 72-08, Section: A, page: .
Notes:	Adviser: Wilbert Jenkins.
Contained By:	Dissertation Abstracts International72-08A.
Subject:	African American Studies.
Online resource:	http://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=3457924
ISBN:	9781124690629

Race financial institutions, credit discrimination and African American home ownership in Philadelphia, 1880--1960.
Nier, Charles L., III.

Race financial institutions, credit discrimination and African American home ownership in Philadelphia, 1880--1960. - 335 p.

Source: Dissertation Abstracts International, Volume: 72-08, Section: A, page: .

Thesis (Ph.D.)--Temple University, 2011.

In the wake of Emancipation, African Americans viewed land and home ownership as an essential element of their "citizenship rights." However, efforts to achieve such ownership in the postbellum era were often stymied by credit discrimination as many blacks were ensnared in a system of debt peonage. Despite such obstacles, African Americans achieved land ownership in surprising numbers in rural and urban areas in the South.

ISBN: 9781124690629Subjects--Topical Terms:

384312
African American Studies.

Race financial institutions, credit discrimination and African American home ownership in Philadelphia, 1880--1960.
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245 1 0 $a Race financial institutions, credit discrimination and African American home ownership in Philadelphia, 1880--1960.
300 $a 335 p.
500 $a Source: Dissertation Abstracts International, Volume: 72-08, Section: A, page: .
500 $a Adviser: Wilbert Jenkins.
502 $a Thesis (Ph.D.)--Temple University, 2011.
520 $a In the wake of Emancipation, African Americans viewed land and home ownership as an essential element of their "citizenship rights." However, efforts to achieve such ownership in the postbellum era were often stymied by credit discrimination as many blacks were ensnared in a system of debt peonage. Despite such obstacles, African Americans achieved land ownership in surprising numbers in rural and urban areas in the South.
520 $a At the beginning of the twentieth century, millions of African Americans began leaving the South for the North with continued aspirations of homeownership. As blacks sought to fulfill the American Dream, many financial institutions refused to provide loans to them or provided loans with onerous terms and conditions. In response, a small group of African American leaders, working in conjunction with a number of the major black churches in Philadelphia, built the largest network of race financial institutions in the United States to provide credit to black home buyers. The leaders recognized economic development through homeownership as an integral piece of the larger civil rights movement dedicated to challenging white supremacy. The race financial institutions successfully provided hundreds of mortgage loans to African Americans and were a key reason for the tripling of the black homeownership rate in Philadelphia from 1910 to 1930.
520 $a During the Great Depression, the federal government revolutionized home financing with a series of programs that greatly expanded homeownership. However, the programs, such as those of the Federal Housing Administration, resulted in blacks being subjected to redlining and denied access to credit. In response, blacks were often forced to turn to alternative sources of high cost credit to finance the purchase of homes. Nevertheless, as a new wave of African American migrants arrived to Philadelphia during post-World War II era, blacks fought to purchase homes and two major race financial institutions continued to provide mortgage loans to African Americans in Philadelphia. The resolve of blacks to overcome credit discrimination to purchase homes through the creation of race financial institutions was a key part of the broader struggle for civil rights in the United States.
590 $a School code: 0225.
650 4 $a African American Studies. $3 384312
650 4 $a History, Black. $3 212750
650 4 $a History, United States. $3 212533
650 4 $a Business Administration, Banking. $3 212413
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710 2 $a Temple University. $b History. $3 531077
773 0 $t Dissertation Abstracts International $g 72-08A.
790 1 0 $a Jenkins, Wilbert, $e advisor
790 1 0 $a Kusmer, Kenneth $e committee member
790 1 0 $a Collier-Thomas, Bettye $e committee member
790 1 0 $a Goldstein, Ira $e committee member
790 $a 0225
791 $a Ph.D.
792 $a 2011
856 4 0 $u http://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=3457924