Racial Segregation : Residential Segregation Is The Separation Of Different Groups Of People Into Distinct Neighborhoods

Racial Segregation : Residential Segregation Is The Separation Of Different Groups Of People Into Distinct Neighborhoods

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In Chapter 10 we learned about the inequality blacks faced in housing and wealth, which began around the late nineteenth century and early twentieth century. During this time residential segregation was a real crucial topic that greatly affected people of color in the long run. So what is residential segregation? Residential segregation is the separation of different groups of people into distinct neighborhoods. In the text book Golash-Boza states that “One of the main reasons for the inability of blacks to build wealth has been the creation of housing segregation within U.S. cities”. Blacks were not able to obtain the same advantages overtime as their white counterparts. In time this caused blacks to move into neighborhoods with a small number of whites. But there are two big factors that were really the cause of residential segregation and I am going to be discussing them.
The two factors that created residential segregation is; federal housing programs that were made available almost exclusively to whites and collective racial violence carried out by whites. The nature of federal housing programs and policies in the 1930s would solidify the line between whites and non-whites for decades to come. One of the federal housing programs that were available during this time was the Federal Housing Administration (FHA). The FHA created the conditions under which banks could loan people money to purchase homes with small down payments and at reasonable interest rates. The FHA had guidelines that banks used to decide who should be qualified to borrow money. The FHA stated that “if a neighborhood is to retain stability, it is necessary that properties shall continue to be occupied by the same social and racial classes”. I don’t think tha...

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...are one bit.
In my opinion, yes, asset-based social policies might succeed in narrowing the wealth gap because it would offer assistance and opportunities in areas that need it the most. I believe if the person behind it has good intentions, understands what they are doing, and is well organized; then asset-based social policies might go a long way. Anything that is willing to help an area thrive, build structure and create job opportunities is always a good idea for me. It would also make up for what the FHA and other federal government policies did in the early twentieth century. I think that everyone deserves the chance to show what they can really do and unfortunately with most of the policies in the twentieth century, blacks weren’t given a chance to do that. So maybe with better funding methods and good faith the asset-based social policies can be successful.

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