As you know, for historical reasons that we won't go into because we don't have a great deal of time, many blacks don't have grandparents or great-grandparents who have left them money. You also know how banks operate: when you have a business and you need a loan, the bank asks you to put up something as collateral. However, if you're a wage earner and you come from a family of wage earners, you don't necessarily have that kind of collateral.
That's why sometimes we need to design mechanisms that inspire trust that a business project can succeed in securing financing. That would put everyone on an equal footing. Some people in business have great-grandparents. For some people, it's nothing to put a $1 million or $500,000 house up as collateral. However, others whose parents have always been renters can't offer those guarantees.
Perhaps these factors should be examined before a mechanism is introduced for members of the black and indigenous communities. I must admit I'm not very familiar with the situation of indigenous communities, but I imagine it's somewhat similar.
The second factor is business know-how, the language of business. There's no business culture in indigenous communities. Nor do you have any when you belong to a family whose members have always been wage earners, because business skills are not in your DNA.
In short, two questions must be considered: how do you create business know-how, and how do you establish collateral mechanisms to provide access to financing?