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 all across the country.What was Charlotte realizing?

Question

Quizplus · Accepted Answer

Charlotte was experiencing institutional discrimination, as there was a pattern of similar negative experiences happening to African Americans across the country in relation to loans and lending institutions. This suggests a broader, systemic issue rather than individual discrimination. Gender is not a relevant factor in this scenario, and there is no evidence to suggest that Charlotte or her friends were part of an affirmative action plan.

Charlotte Is an African American Woman