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Research

Posts about NCRC research.

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Adding Robust Consideration of Race to Community Reinvestment Act Regulations: An Essential and Constitutional Proposal

DOWNLOAD Executive Summary  The Community Reinvestment Act (CRA) was enacted in 1977. It was a response to the nation’s long and painful history of lending discrimination against people of color and the resulting disinvestment and decay in communities of color. Congress’ purpose was to counter decades of official and unofficial redlining and other forms of discrimination by …

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Paycheck Protection Application

Business Structure may have been a Barrier to the Paycheck Protection Program and Access to Credit

DOWNLOAD Key Takeaways Business structure played a role in accessing PPP loans. Entrepreneurs whose businesses were structured as LLC, S or C corporations were significantly more likely to have received a PPP loan than less sophisticated sole proprietorships and partnerships. Key Findings A survey of small business owners found that: Black men were significantly more …

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Featured

Addressing the Needs of Black-Owned Businesses and Entrepreneurs

Addressing the Needs of Black-Owned Businesses and Entrepreneurs Photo: © Andrey Popov via stock.adobe.com A follow-up report on the impacts of COVID-19 on entrepreneurship in Piedmont,  North Carolina. Authors: Dedrick Asante-Muhammad, Chief of Membership, Policy and Equity at NCRCJamie Buell, Coordinator of Racial Economic Equity at NCRCTalib Graves-Manns, Co-Founder of Partners in Equity NCWilson Lester, Co-Founder …

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Gender

Racial Wealth Snapshot: Women, Men and the Racial Wealth Divide

Download Infographic Intro Women have made great strides in the workplace, comprising nearly half of the workforce, and surpassing men in higher education achievement. Yet, women still make less income, have less wealth and face greater economic instability than their male counterparts. The level of economic instability faced by men and women is greatly influenced …

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Relationships Matter: Small Business and Bank Branch Locations

Relationships Matter: Small Business and Bank Branch Locations — Key Takeaways The number of banks and bank branches has declined significantly since 2009. Local branches are still crucial to small business lending. Small business lending is increasingly dominated by the largest lending institutions. Smaller institutions are disappearing as they merge or are bought out by …

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60% Black Homeownership: A Radical Goal for Black Wealth Development

DOWNLOAD Overview: A radical increase in Black homeownership is needed to see progress in bridging Black and White homeownership and wealth inequality. One of the defining factors of economic well-being for individuals and families is household net worth or wealth, but not all families are equal. Decades of racial injustice and economic inequality have led …

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