How to reduce the wealth gap between Black and white Americans | Kedra Newsom Reeves

53,590 views ・ 2020-11-12

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00:00
Transcriber: Joseph Geni Reviewer: Joanna Pietrulewicz
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Translator: Nathaniel Luis Reyhan Soesilo
00:12
As last recorded by the US Federal Government,
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Berdasarkan data terbaru pemerintah federal AS,
00:15
the median wealth for a white family in the United States was 171,000 dollars
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median kekayaan keluarga kulit putih di AS adalah 171.000 dolar,
00:21
and the median wealth for a Black family was just 17,000 dollars,
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dan keluarga kulit hitam hanya 17.000 dolar,
00:25
a 10x different over 150 years after the end of slavery.
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berbeda 10 kali lipat setelah 150 tahun berakhirnya perbudakan.
00:30
I think first we have to ask ourselves, what is wealth really?
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Pertama, kita harus bertanya, apa itu kekayaan?
00:33
Well, wealth is all of your assets, all of the things that you own,
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Kekayaan adalah semua aset atau kepemilikan Anda,
dikurangi liabilitas Anda.
00:37
minus all of your liabilities.
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00:38
Assets are things like your car, your house, your savings account,
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Contoh aset adalah mobil, rumah, rekening tabungan,
00:41
your checking account, your investments, if you own other properties,
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rekening giro, investasi, properti lain, dan bisnis.
00:46
your business.
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00:48
Well, that gap, that 10x gap,
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Celah 10 kali lipat itu terjadi karena, selama puluhan tahun,
00:51
is partially because for many years,
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00:55
decades in fact,
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00:56
Black Americans were left off of that ladder
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Orang kulit hitam Amerika terlambat dan tak bisa bergerak maju.
00:58
and didn't really have access to it.
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01:00
Well, why are we talking about this now?
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Mengapa kita membicarakannya sekarang?
01:03
Well, in 2020, in the midst of a global pandemic and a looming recession,
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Di 2020, di tengah pandemi global dan resesi yang mendekat,
ketidakadilan menjadi jelas hampir dalam semua sistem di AS:
01:08
inequities are really laid bare
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01:09
across nearly every system in the United States:
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01:12
health care, education, criminal justice and finance,
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kesehatan, pendidikan, peradilan, dan keuangan,
01:17
and people were moved to take action online, in streets,
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orang-orang tergerak untuk beraksi di internet, jalan,
01:21
in meetings at work, in corporate boardrooms.
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dan rapat di kantor perusahaan.
01:23
And I, as a consultant, started having conversations with clients
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Sebagai konsultan, saya mulai berbicara dengan klien saya tentang hal tak terkira.
01:27
that I thought I would never have.
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01:29
I guess the question that I'd been asking myself is,
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Pertanyaan yang saya pikirkan adalah
01:32
how do we make sure that in this moment, this results in action and progress
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bagaimana agar momen ini bisa menutup celah kekayaan tersebut?
01:36
that starts to close that wealth gap for Black versus white Americans?
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01:40
So who am I?
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Jadi, siapakah saya?
01:41
My name is Kedra Newsom Reeves.
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Saya Kedra Newsom Reeves.
01:43
I am a consultant for banking institutions,
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Saya konsultan bagi institusi perbankan, pengelola investasi, dan pengelola aset.
01:45
hedge funds, asset managers.
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01:47
But before any of that,
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Tapi, sebelumnya,
01:49
I am a Black American who is the descendant of slaves.
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saya adalah seorang kulit hitam Amerika keturunan dari budak.
01:52
And when we talk about the wealth gap,
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Ketika membahas celah kekayaan, kita harus memahami sejarahnya.
01:54
it's really important to understand the history,
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01:56
so I thought I'd tell a little story about a family, my family,
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Jadi, saya ingin bercerita tentang keluarga saya,
01:59
and how policy intersects with wealth.
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dan keterkaitan kebijakan dengan kekayaan.
02:02
So we'll start with my great-great-grandfather.
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Kita mulai dengan kakek moyang saya.
02:05
He was a man named Silas Newsom,
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Namanya Silas Newsom, ia terlahir sebagai budak dekat Nashville, Tennessee,
02:06
and Silas was born a slave outside Nashville, Tennessee,
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02:10
on Newsom Station,
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di Stasiun Newsom, di mana dia dan keluarganya bekerja di tambang.
02:11
where he and his family worked on a quarry.
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02:14
He didn't own anything.
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Ia tak punya apa-apa.
02:15
He didn't own his home. He didn't own property.
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Ia tidak punya rumah ataupun properti.
02:18
He didn't really even own his own body,
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Ia pun tak menguasai tubuhnya, usahanya, anak-anaknya.
02:20
his own labor, his children.
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02:22
Any of those things, all of those things,
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Semua hal itu hanya digunakan untuk memperkaya orang lain.
02:24
were here to create wealth for someone else.
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02:28
So we believe that he was a servant
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Jadi, kami percaya bahwa ia adalah seorang pelayan
02:30
during the Civil War for a Confederate general
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saat Perang Saudara untuk seorang jenderal sekutu
02:33
who was actually fighting to keep him enslaved,
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yang berjuang untuk terus memperbudaknya,
02:36
so he really had no wealth, he had no control over his life.
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jadi ia tak punya kekayaan, dan tak menguasai hidupnya.
02:39
Well, at the end of slavery, there was a policy opportunity.
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Di akhir perbudakan, ada sebuah peluang kebijakan.
02:43
There was a question:
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Ada sebuah pertanyaan:
02:45
what do we do for the hundreds of years of slavery
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apa yang akan kita lakukan setelah perbudakan berakhir?
02:48
now that we are ending slavery and the country is coming together?
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02:51
And there was a choice.
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Ada sebuah pilihan.
02:53
We could make a settlement with the slaves,
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Kita bisa membayar para budak, atau para pemilik budak.
02:55
or we could make a settlement with the slave owners.
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02:57
Well, the slaves had no power to advocate for themselves in that moment,
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Para budak tak punya kekuatan untuk membela dirinya saat itu,
03:01
and the country had to be united,
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dan negaranya harus disatukan,
03:03
so the federal government decided to give that settlement to slave owners,
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jadi, pemerintah federal memutuskan untuk membayar para pemilik budak;
03:08
essentially giving them money for the property that they had lost
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memberinya uang untuk properti yang hilang saat perang.
03:13
at the end of the war.
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03:14
And not their physical property, not their homes, but people,
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Namun, maksudnya bukan properti fisik seperti rumah,
melainkan para budak yang telah memberi jasa gratis selama puluhan tahun.
03:18
the slaves that had provided free labor for years and decades.
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03:22
So Silas, at the end of the Civil War,
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Jadi, Silas, di akhir Perang Saudara, tidak punya kekayaan.
03:25
had no wealth.
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03:26
He was free but had no wealth.
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Ia sudah bebas, namun tanpa kekayaan.
03:29
He became a sharecropper.
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Ia menjadi petani.
03:30
My great-grandfather Silas was born
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Kakek buyut saya, Silas, lahir setelah perbudakan selesai,
03:32
a number of years after the end of slavery,
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03:34
and he was drafted to serve in World War I
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ia berperang di Perang Dunia I
03:37
along with 350,000 other Black American soldiers
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bersama 350.000 tentara kulit hitam Amerika lainnya
03:40
in segregated units.
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di unit yang terpisah-pisah.
03:42
He served in the war.
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Ia berperang.
03:43
When he came back to the United States,
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Ketika ia kembali ke AS di akhir perang, ada banyak sentimen anti kulit hitam.
03:45
at the end of the war, there was very anti-Black sentiment.
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03:48
The economy was compressing, there were a lot of stressors,
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Saat itu, ekonomi tertekan, banyak sekali hambatan,
03:51
and Black people could not get land, they could not get loans for homes,
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dan orang kulit hitam tak bisa mendapatkan tanah dan pinjaman rumah,
03:57
they really could not acquire any credit to build wealth over time,
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mereka tidak bisa mendapat kredit untuk membangun kekayaan,
04:01
so he also became a farmer.
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maka, dia menjadi petani.
04:04
And he had a son, also named Silas --
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Ia memiliki anak, namanya juga Silas -- ada banyak Silas di keluarga saya --
04:06
there are a lot of Silases in my family --
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yang menjadi kakek saya.
04:09
my grandfather.
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04:10
My grandfather Silas was also a soldier and fought in World War II.
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Kakek saya, Silas, juga menjadi tentara untuk Perang Dunia II.
04:14
After World War II,
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Setelah Perang Dunia II,
04:16
the US Federal Government passed the GI Bill,
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Pemerintah Federal AS meloloskan GI Bill, yang membantu veteran.
04:18
which provided support for veterans.
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04:20
And the bill provided for building of hospitals,
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Bill itu menyediakan bantuan rumah sakit, pinjaman pelajar,
04:23
student loans
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04:24
and, most importantly for wealth-building, low-interest home mortgages for veterans.
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dan pentingnya, untuk membangun kekayaan, hipotek berbunga rendah.
04:31
In the years following the war,
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Beberapa tahun setelah perang,
04:33
the GI Bill accounted for four billion dollars of funding
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GI Bill mengucurkan empat miliar dolar untuk sembilan juta veteran.
04:37
to nine million veterans.
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04:39
But Black veterans largely did not benefit.
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Tapi, banyak veteran kulit hitam tidak untung.
04:43
So Silas, my grandfather, came back to Nashville, Tennessee,
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Jadi, kakek saya, Silas, pulang ke Nashville, Tennessee,
04:46
and he married my grandmother, whose name is Cinderella.
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dan menikah dengan nenek saya, yang bernama Cinderella.
Ya, nama nenek saya Cinderella.
04:50
Yes, my grandmother's name was Cinderella.
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04:52
And they had eight children.
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Mereka punya delapan anak.
04:54
But they never bought a home.
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Mereka tak membeli rumah.
04:56
And the highlight of their housing journey
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Yang luar biasa adalah
04:58
was moving into a new public housing project
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mereka pindah ke proyek perumahan publik dan membayar sewa untuk proyek itu,
05:01
with their children
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05:02
and paying rent for that housing project,
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05:04
which in terms of the quality of housing was fantastic for them and a step up,
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yang berkualitas baik bagi mereka, dan sebuah kemajuan,
05:09
but did not allow them to build wealth.
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tapi mereka tak bisa membangun kekayaan.
05:12
My father, another soldier,
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Ayah saya, juga tentara, seorang veteran 20 tahun marinir AS,
05:14
a 20-year veteran of the United States Marines,
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05:16
bought his first home in his early 50s,
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membeli rumah pertamanya di usia 50-an,
05:18
but it took four generations for our family to move into homeownership
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namun perlu empat generasi bagi keluarga kami
untuk membangun kekayaan dengan kepemilikan rumah.
05:24
and begin to build ownership and equity in a home.
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05:29
That's one family's story, and I skipped a lot of things
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Itu adalah cerita keluarga saya, dan saya melewati banyak hal
05:32
that happened between the end of slavery and today:
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dari akhir perbudakan dan sekarang:
05:35
redlining, housing discrimination before the Fair Housing Act in the 1970s,
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diskriminasi tempat tinggal dan perumahan sebelum Fair Housing Act 1970,
05:40
the really important role that Black-owned banks played
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peran penting bank kulit hitam dalam membangun komunitasnya,
05:43
in building Black communities,
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05:46
the Savings and Loan Crisis of the 1980s,
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Krisis Tabungan dan Pinjaman 1980, yang menutup banyak bank kulit hitam,
05:48
which crushed a lot of Black banks,
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05:50
and the subprime crisis in 2008,
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dan Krisis Subprime 2008,
yang mengusir banyak orang kulit hitam dan coklat dari rumahnya.
05:53
which stripped a lot of Black and brown homeowners of their homes.
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05:57
There's a lot of history there,
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Ada banyak sejarah di sana,
05:58
but that story tells you a bit about how we get to this 10x gap
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namun cerita itu menjelaskan sedikit tentang asal usul celah saat ini.
06:02
where we are today.
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06:05
Now, certainly, as we think about the size of that gap,
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Tentunya, ketika kita melihat ukuran celah tersebut,
06:08
it is critical for the Federal Government to take a number of actions.
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sangat penting bagi Pemerintah Federal untuk mengambil beberapa sikap.
06:14
That said, financial institutions play a really important role
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Institusi keuangan sangatlah penting dalam memberi kredit, modal
06:17
in providing access to credit, access to capital,
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06:21
to build communities
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untuk membangun dan mengembangkan komunitas kulit hitam.
06:22
and allow Black communities to thrive.
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06:26
We have to be clear;
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Kita harus tahu;
06:28
managing 17,000 dollars better does not get us there.
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mengelola 17.000 dolar dengan lebih baik tidaklah cukup.
06:32
Better education does not get us there.
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Pendidikan yang lebih baik juga tak cukup.
06:35
Access to credit and capital are critical.
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Akses ke kredit dan modal amatlah penting.
06:39
So I want to talk about four solutions today
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Saya mau membahas empat solusi
06:41
that financial institutions can contribute to start to close the wealth gap.
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yang bisa dilakukan institusi keuangan untuk menutup celah kekayaannya.
06:46
Number one is getting more people on the ladder,
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Pertama, yaitu, memberi akses bank ke banyak orang.
06:49
getting more people banked.
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06:52
We know today that about half of Black Americans
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Setengah dari orang kulit hitam Amerika tidak memakai bank.
06:55
are un- or underbanked.
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06:57
Unbanked means that you don't have a banking account.
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Maksudnya adalah tak punya akun bank,
06:59
Underbanked means that you have a bank account
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atau punya, namun memakai layanan lain
07:02
but you use alternative services for check-cashing or payday lending
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untuk mencairkan uang, meminjam gaji, atau membayar tagihan.
07:07
or paying bills.
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07:09
And that's not just expensive from a transaction perspective
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Biaya transaksinya mahal, dan waktu untuk membayar juga lama.
07:12
in terms of the fees that you pay,
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07:14
it's also expensive in terms of the time that you commit to paying a bill.
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07:17
Think about how you pay your utility bill today.
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Bayangkan bagaimana Anda membayar tagihan.
07:20
It probably comes out of your checking account.
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Mungkin Anda bayar dengan rekening giro.
07:23
You don't even think about it.
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Anda atur di awal, dan menjadi otomatis.
07:24
You set it up in advance, and it's automatic.
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07:26
Well, if you're unbanked,
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Jika tak memakai bank, Anda harus pesan uang kertas dahulu,
07:28
you are probably going to get a money order somewhere,
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07:30
physically, a piece of paper.
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07:32
You then travel to City Hall or your DMV
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dan membayarnya di balai kota atau kantor pemerintah.
07:35
to pay that bill.
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07:36
About 40 percent of people who are unbanked
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40% orang yang tak memakai bank mengira uangnya terlalu sedikit
07:39
say they are unbanked because they think they don't have the minimum amount
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07:43
to really maintain a checking account.
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untuk membuka rekening giro.
07:46
Well, that's just not true.
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Itu tidak benar.
07:47
In the last several years,
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Beberapa tahun terakhir,
07:49
credit unions, community banks and major banking institutions
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koperasi kredit, bank komunitas, dan institusi perbankan
07:52
have created low-cost, no-minimum checking and savings account products
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telah membuat rekening giro dan tabungan tanpa saldo minimum berbiaya rendah
07:57
specifically made for this population.
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khusus untuk populasi ini.
08:00
So we have an issue with awareness.
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Jadi, masalahnya adalah kesadaran.
08:03
Banks, community partners and others
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Bank, mitra komunitas, dan lainnya harus bekerja sama
08:05
have to work together to increase the awareness of these products
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untuk memberitahu produk ini ke mereka yang membutuhkan
08:09
in communities that need them,
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08:10
so that we can start to reduce the number of people
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dan mengurangi jumlah orang yang tak memakai bank,
08:13
who are un- and underbanked
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08:14
and get them on the ladder that we talked about earlier.
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dan membantu mereka bergerak maju.
08:17
The challenge is about 28 percent of Black and Latinx families
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28% keluarga kulit hitam dan Latinx tidak punya atau punya sedikit kredit.
08:20
are credit-invisible,
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08:22
which means that you have a thin credit file or no credit file.
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08:26
And the way that credit works and creditworthiness assessments work
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Cara kerja kredit dan penilaiannya adalah
08:29
is to say, if you can prove
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jika Anda punya bukti kemampuan membayar pinjaman,
08:31
that you have paid credit back consistently previously,
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08:34
then I can lend you more credit.
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maka Anda bisa pinjam lagi.
08:36
It's kind of a chicken or an egg situation.
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Ini seperti situasi ayam atau telur.
08:39
The interesting thing is that banks and financial technology companies
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Yang menarik adalah bank dan perusahaan teknologi keuangan
08:42
have really innovated in recent years to use alternative data --
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telah berinovasi untuk menggunakan data alternatif --
08:45
cable bills,
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tagihan kabel, tagihan utilitas, pembayaran sewa, dan lainnya --
08:47
utility bills,
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08:49
rent payments, etc. --
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08:51
to show that you're able to consistently make payments.
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untuk menunjukkan kemampuan Anda dalam membayar.
08:56
The additional challenge on this one, unlike the last one,
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Tantangan kali ini bukan tentang kesadaran.
08:59
which was more about awareness,
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09:01
is that you need to have regulatory support to do these things.
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Anda perlu peraturan untuk melakukan hal ini.
09:05
You need to prove to regulators
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Anda perlu membuktikan kemampuan menggunakan datanya
09:07
that you are able to fairly use alternative data
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09:10
to lend credit to marginalized groups.
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untuk meminjamkan kredit ke kelompok terpinggirkan.
09:13
What we need to see is, from the Federal Government
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Yang diperlukan adalah agar Pemerintah Federal dan industri perbankan
09:15
and the banking industry,
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09:17
to come together to create innovation sandboxes
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untuk bekerja sama menggunakan data alternatif bagi kelompok tersebut.
09:19
to start to use alternative data to expand to marginalized groups.
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09:24
Well, what about communities?
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Bagaimana dengan komunitas?
09:26
Without community wealth,
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Tanpa kekayaan komunitas, kekayaan individu tak berguna.
09:28
individual wealth, in a way, is on an island.
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09:31
And if you go into most major cities in the United States
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Jika Anda lihat kota besar di AS dan komunitas kulit hitam,
09:33
to most communities of color,
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09:36
what you'll find is underinvested communities.
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Anda akan menemukan komunitas yang kurang berkembang.
09:39
For every economic crisis, these communities have suffered severely.
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Saat krisis ekonomi, komunitas ini tersiksa dengan buruk.
09:42
For every economic boom, they have not benefited.
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Saat ledakan ekonomi, mereka tidak diuntungkan.
09:45
And so what we're seeing in a number of cities across the country,
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Jadi, yang terlihat di banyak kota di AS, contohnya Chicago adalah kerja sama
09:48
and I'll use Chicago as an example,
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09:51
is the partnerships occurring
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09:53
between banking institutions,
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antara institusi perbankan, dermawan, pemimpin kota dan komunitas,
09:56
philanthropists,
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09:58
the city and community leaders
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10:00
to invest hundreds of millions of dollars
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untuk menanamkan ratusan juta dolar untuk membangun sumber daya di komunitas
10:02
to build community resources
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10:04
and communities that have historically been disinvested.
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yang telah lama dirugikan.
10:08
Lastly, we've got to talk about business,
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Akhirnya, kita bisa bicara tentang bisnis, tak hanya bisnis kecil.
10:10
and not just small businesses.
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10:13
Now, when you have individual stability and a banking institution,
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Ketika Anda punya kestabilan, institusi perbankan,
10:17
and you have access to credit, and when you have community wealth,
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akses ke kredit, dan kekayaan komunitas,
10:20
those are all fantastic things, but we need also job creation.
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itu luar biasa, namun kami juga perlu pembuatan pekerjaan.
10:24
Take all of the new tech companies,
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Misal, perusahaan teknologi "baru", yang tak terlalu baru,
10:26
and I say "new" because now they're not so new,
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10:30
but take Facebook, Google, Amazon.
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seperti Facebook, Google, Amazon.
10:32
At some point, all of those companies were sole proprietorships
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Dulunya, perusahaan itu hanya dimiliki oleh satu atau beberapa pegawai
10:35
with one employee
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10:37
or a few employees
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10:38
that were building a technology that was not yet proven.
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yang sedang membangun teknologi yang belum terbukti.
10:42
What those companies received early on
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Perusahaan tersebut awalnya menerima uang modal usaha.
10:46
was venture capital money.
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10:48
And when you look at venture capital today,
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Saat ini, hanya 1% modal usaha masuk ke pendiri kulit hitam.
10:50
only one percent of venture capital funds go to Black founders.
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10:54
So if Black entrepreneurs are largely shut out of those networks
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Jika pengusaha kulit hitam dicegah masuk ke jaringan itu,
10:57
they're not able to grow,
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mereka tak bisa tumbuh,
10:59
and the only way for that to change
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dan hanya industri yang dapat merubahnya.
11:01
is from within the industry itself.
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11:04
In this generation, we must not only be talking about thriving businesses
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Di generasi ini, kita tak boleh hanya bicara tentang mengembangkan bisnis
11:08
in Black communities.
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di komunitas kulit hitam.
11:09
We must also be talking about seeing more Black-owned
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Kita juga harus bicara tentang melihat lebih banyak
bisnis orang kulit hitam menjadi publik.
11:13
and founded businesses going public.
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11:17
Those are just four solutions.
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Itu hanya empat solusi.
11:18
There's many other things that can and should be done
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Ada banyak hal lain yang bisa dan harusnya dilakukan
11:21
to close the wealth gap.
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untuk menutup celahnya.
11:23
This gap is not new.
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Celah ini tidak baru.
11:24
It was born and perpetuated by federal policy, social constructs
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Ini dilahirkan dan dilanjutkan oleh kebijakan federal, teori sosial,
11:31
and business practice over time,
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dan praktik bisnis.
11:32
and all of those things need to change
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Dan semua hal itu perlu berubah untuk mulai menutup celahnya.
11:35
to start to close the gap.
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11:37
Financial institutions play a really critical role
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Institusi keuangan berperan sangat penting di level individu, komunitas, dan bisnis.
11:39
at the individual level, at the community level
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11:42
and at the business level.
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11:43
It's important to our families, it's important to our communities
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Ini penting bagi keluarga, komunitas, dan ekonomi kami.
11:46
and it's important to our economy.
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11:49
Instead of talking about how the gap continues to grow,
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Daripada membicarakan pelebaran celahnya, marilah kita mulai menutupnya.
11:52
let's begin to close the gap now.
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11:54
Thank you.
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Terima kasih.
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