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Redlining
When banks or lenders refuse to give loans or insurance to people living in certain neighborhoods marking them as a high risk
Blockbusting
Real estate agents scare white homeowners into selling their homes cheaply by claiming minorities are moving in then sell the houses at a higher price to minority families
Urban Renewal
Government programs that tear down “run down“ areas to rebuild cities or highways but this often displaces residents instead of helping them.
Predatory Lending
Unfair or abusive loan practices that target vulnerable people with high interest rates or hidden fees trapping them in debt.
Racialized Wealth and Education
the way wealth and education opportunities are often unequally distributed by race often because of historic discrimination like redlining and segregation.
Zoning Ordinances / Race Neutral Zoning Laws
Local laws that control how land can be used. they can be used unfairly to separate or exclude certain groups
mostly only allows construction on white homes but not on minorities
local laws that forbid the construction of multi family and or low income housing
White Flight
When white residents move out of their neighborhoods as more people of color move in. often leading to segregation and economic decline in the area left behind
Restrictive Covenants
rules written into property deeds that used to say homes cannot be sold to certain racial or ethnic groups
Steering
when real estate agents guide buyers towards or away from certain neighborhoods based on race or ethnicity
Loan denial & Subprime Mortgages
Minorities are more likely to be denied regular loans and offered subprime (high interest rates) ones instead, leading to higher debt and foreclosures.
FHA of 1968
A federal law that bans housing discrimination based on race, color, religion, sex, or national origin
FHA denied loans for minority families
Social Distance Theory
The idea that people prefer to live, work, and socialize with others similar to themselves — leading to racial and social segregation
Index of Dissimilarity
a measure of neighborhood segregation / integration
0 = full integration
100 = full segregation
Ethnic enclaves
race and ethnic groups tend to come together and be support for one another
still tended to be segregated compared to the dominant race
The Ghetto
Involuntary ethnic enclave created by structural racial segregation
limited resources for individuals
Suburbs
A residential area located on the outskirts of a city or town
whites moved from the city to the suburbs in white flight
Immigration and Migration patterns in the early 20th century
millions poured into the city via immigration and migration
clustering of ethnic and racial groups
racial segregation supported by governments leading to the creation of ghettos
Urban Unrest
Racial uprising int he ghettos in 1960’s as a result of violent enforcement of racial segregation
Race Neutral Zoning Law
local laws forbidding construction of multi family and or low income housing
only allow construction of higher values homes
discriminat9ory consequence for minorities
How is housing inequality tied to health
Housing → quality of education → social / human capital → wealth b
Racialized Spaces
Clustering of similar racial or ethnic groups into crowded areas
Economics
New Deal
Economic relief programs to address consequences of depression in the 1930’s. Did not include blacks and latinos.
GI Bill
Provided benefits such as college tuition and mortgages to veterans of World War 2. But they discriminated against minorities
Reparations
compensation of harms to racial minorities
De industrialization
decrease in well paying manufacturing jobs in 70’s and 80’s
disproportionate impact to minorities
Welfare reduction
racilization of welfare programs such as welfare quee
accused poor minority women for not working
reduce assistance
stigmatize welfare recipients
Discrimination in the Labor Market
Audit experiment
whites with a criminal record more likely to be called back then black people with no criminal record (pager 2003)
white sounding names get more call backs (bertrand and mullainathan 2004)
Split Labor Market
Lower wage to race / ethnic minority
Employers pit one group against another → interracial worker
solidarity → keep low wage
create prejudice and interpersonal racism
human vs social capital
education, knowledge skills and experience possessed by an individual
systematic racialized inequalities in access to human capital
resources gained from social networks;. minorities have less social capital → less human capital
Meritocracy
the belief that economic success comes from ones individual effort. racial groups disparities are explained by lack of effort from racial minorities.
leads to structural inequalities
Brown v. Board of Education (1954)
De jure segrearion (required by law), ruled unconstitutional
black school children were psychological damaged by segregation
made to feel inferior and second class citizens
this denied them access to equal education oppurtinites
Dejure
segregation based on law
Defacto
Is a form of colorblind inequality
Little Rock Arkansas (1957)
Nine black students attempted to go to all white high school
Inadequate funding
outdated textbooks / technology
uncertified teachers
inadequate infrastructure / extracurricular
Spillover of other social inequalities
students in predominately minoirt schools are often less “learning ready“
more likely to be malnourished
more likely to have inadequate housing
more likely to have unstable home lives
more likely to experience crime and violence
Curriculum
Literature and history courses traditionally taught largely from the white and european pov
tracking
black and Hispanic students less likely to be placed in advanced tracks even at similar achievement level
due to teachers biases and cultural capital
Cultural Capital
a persons knowledge, behavior, or skills that signify higher cultural competence
race / ethnicity itself could signal cultural capital
Code Switching
many non white people switch their behvavioral and language patters between home and school to better fit in with teacher expectations
Oppositonal Culture
students linguistic. behavioral and aesthetic patterns formed in opposition to main stream white culture
Stereotype threat
when an individual feels at risk of confirming negative stereotypes about their social group their performance level goes down
experiments suggest that high achieving African American undergraduates are more likely to struggle with grades than high achieving whites
residential segregation & segregated schools
school attendance based on neighborhoods → segregated neighborhoods result in increasingly segregated schools
Assimilation and segregation
native americans forced assimilation in schools
black people, hispanics, asians separated
San Antonio v. Rodriguez (1973)
poorer districts inevitably have lower taxes put back into properties while richer districts put in more money which leads to better education and better economic benefits.
the supreme court however did not believe that this violated the 14th amendment