Systemic racism and stereotypes about lower income individuals denies them access to mainstream financial institutions. Yet they need money to buy a home, start a business and live. A time-honored way to provide loans is with lending circles. A group of people, often with close cultural ties, work together to provide members with the money they need to achieve their goals. For additional resources, visit https://www.smallchangestories.org/episode/2020/11/30/money-lending-circles