Charlotte is an African American woman.She went into her local bank and talked with a loan officer about a home loan.Charlotte had a good credit rating and was,she felt,a responsible person.She was turned down for the loan that she needed,but was offered one for a much smaller amount which would not be enough to purchase a decent home in the city in which she lived.She would have to save much more money to have enough for a down payment.She was frustrated and talked with many of her black friends regarding their experience with lending institutions in their cities.She found that quite a few had a similar experience.She began researching and found that this situation was happening to African Americans across the country.What was Charlotte realizing?

Question

Quizplus · Accepted Answer

Charlotte is experiencing systemic discrimination, also known as institutional discrimination, where the policies and practices of the lending institutions are leading to unfair outcomes for African Americans as a group. This is not an individual act of discrimination based on Charlotte's gender or any other personal characteristic. Affirmative action does not apply in this situation as it is a policy designed to address past discrimination and promote diversity in hiring and education.

Charlotte Is an African American Woman