The Growth of Islamic Financial Services in UK

The Growth of Islamic Financial Services in UK There is huge potential for an expansion of Islamic offerings in the UK financial markets, which will boost Londons position as an international financial centre. (Callum McCarthy,2007) Background Islam is a divine religion and provides guidance for all walks of life. Muslims are currently trying to revitalize the Islamic laws in all fields of life. Especially economic field is in great focus. In 1980s Middle East Muslim countries again tries to put in practice the Islamic financial Islamic laws 1st time and set the foundations for Islamic banking and finance for the world. After that Islamic financial services grew very fast not only Muslim countries but also in Non-Muslim countries. According to FSA (Bank of England and the Financial Services Authority) briefing note (2006) currently Islamic banking and finance is growing from 10% to 15% annually in international market and the main reason of this growth is that Muslim population in Western world and Islamic products are socially responsible. According to Shayerah Ilias (2009) Shariah or Islamic laws are the bases of Islamic finance. Shariah prohibits interest, uncertainty, adherence to risk-sharing and profit-sharing and promote ethical investment and asset backing. S. Ilias (2009) also claimed that currently there is 10% to 15% annual growth in international market for Islamic finance because some researchers argued that Islamic finance brings lots of business opportunities and alternative methods for capital formation and economic development. Among the Western world the demand of Islamic financial market is especially growing in North America and UK, although Muslims are in minority there. According to FSA briefing notes (2006) FSA approved license for the 1st fully Shariah compliance bank Islamic Bank of Britain (IBB) in 2004 and this bank sells Islamic products in consumer market. In 2006 FSA licensed European Islamic Investment Bank that was the 1st independent Shariah compliant investment bank in UK. Aims and objectives Considering the above mentioned historical background of Islamic banking and finance in UK the proposed study aims to further investigate and explore how Islamic banking and finance grew in UK market. Study will explore the motives behind this fast growth and the challenges. Research will further investigate and explore the future scope of Islamic finance in UK. In other world the objective of the research is To explore the growth of Islamic banking and financial services in UK. To find out which Islamic products are commonly sold in UK financial market To explore the reasons of growth of Islamic finance in UK To identify the future possibilities for Islamic banking and finance in UK financial Market To identify the challenges for Islamic banking and finance in UK To meet these objectives proposed research will answer the following questions Whether Islamic banking is growing in Western countries like UK? What kind of Islamic products are commonly sold in UK financial market? What is the Future of Islamic Banking in UK? What kind of challenges Islamic banking and finance can face in Western world particularly in UK? Literature review Islamic banking Ismail Tohirin (2010) argued that Muslims around the world spend their lives under Islamic Rules which are defined by The Holy Book of Quran that is called Shariah law. In Shariah law, all type of interest in Islamic banking products and Islamic finance is forbidden. In Islamic banking, no interest is involved but time value of money and risk considered very important and play its part. Customers and Islamic banking work together on the basis of risk sharing. Both share risks which are already agreed on the terms of investment, profits and losses. According to Laldin (2008) Interest is forbidden in investment of alcohol, pornography and betting. Other banks cannot help Islamic banks or Islamic banks cannot get help to lend. There are different types of Islamic products available for customers. Ijara and Murabha are considered very important products. Historical Background of growth of Islamic banking in UK According to FSA (Bank of England and the Financial Services Authority) briefing note (2006) 3% population of UK are Muslims and nearly half million Muslim visitors regularly visits UK. These facts are the major reason of growth in Islamic banking and finance. Many UK high street bank are offering current accounts and mortgages through Islamic windows. The report further claimed that in Western world the first fully fledged Shahriah bank Islamic Bank of Briton was introduced in 2004 in UK with FSA authorization. London is a major financial center for international firms and Middle Easts banks that offer Islamic products. This also confirms that Islamic finance is growing from 10% to 15% annually at global level. Shayerah Ilias (2009) claimed that internationally modern Islamic finance introduced in 1970s. There is no doubt that currently Islamic has a very small but growing market in global financial market and estimated annual growth rate of Islamic finance is 10% to 15% in last 10 years. He further claimed that Islamic bonds (Sukuk) are gaining popularity in global market. $ 70 million worth Islamic bonds are in global financial market and up to $100 millions are expected in 2010. Global growth of Sukuk from 2004-2007 is approximately more than five folds. This is shown by the following figure (Source Shayerah Ilias, 2009, Islamic Finance: Overview and Policy Concern, DIANE Publishing) Ismail and Tohirin, (2010) also claimed that the growth of Islamic banks is 10-15% per year and there is strong expectation that it will grow further. The recent credit crisis gave further boost to Shariah compliant banking and finance. There are 300 different Islamic Institutions in 51 different countries of the world. The amount of total assets hold by Islamic banks is 822 billion US dollars. In addition, there are 250 mutual funds working around the world which are completely complying with the Islamic banking and financial system. According to CIMB Group Holding Analysis, the rate of growth of Islamic banking and finance is fast than any other financial institution. The rate of growth of Islamic bonds is nearly 24% with the total amount of 25 billion US dollars in 2010. The network of Islamic banking is not only constrained in the Muslim world but it is also spread in different continent and different developed world including America and United Kingdom. Principles of Islamic Banking and Islamic products The purpose of Islamic banking is same as main stream banking system except that it is in accordance with the laws of Shariah. The transactions in Islamic banking system are done with the help of Islamic banking system. The most common terms used in Islamic banking are Riba (interest), Mudarabah (Profit sharing), safekeeping (Wadiah), Musharakah (Joint Venture) Ijara (leasing) Tufakil (Insurance). (Hassan and Lewis, 2007) Islamic Mortgages The banks first purchase the property and then sell it to its customer. Here Islamic banks are not acting as a third party. They get ownership of the property and deal with the customer as first hand party. The banks give ownership of property to its customer from very first day. As bank income is implicit and banks do not charge some additional amount on the late payments. To avoid the bankruptcy, the banks do extensive check of credit worthiness and security measures. This type of agreement is called Murabha. Another approach is called Ijara; this contract is same like real estate and mostly applied on the leasing of vehicle. The customer is charged higher for the product then market value of product. The ownership of product is given at the time of full payment. (Hassan and Lewis, 2007) Partnership (Musharakah) In this type of product the bank and borrowing party make a partnership entity. They both invest in the property. The borrower then gives property at the rent and gets rental income. At this stage bank and borrower both have shares in the property. The borrower then starts to pay the money at the greed amount and banks shares reduce with each instalment. This will carry on until borrower gets all the shares of property for the bank. (Benamraoui, 2008) In case of default both bank and borrower will get the proceeds from sales in certain percentage which is equal to floating market rates, on the basis of BLR (basic lending rate). This is especially applicable in the banking system is dual in nature. Mudarabah (venture capital) In this contract one party provides the finance for a project while other party provides required expertise and labour force. Both the parties get agree in the beginning of contract in case of profit from the project who much will be share of both parties and if project gets failed then in what proportion they will share the shock of loss. Here expert company does not promise to pay certain amount of money back. Rather than that they keep an uncertainty. The logical justification for that is the future is uncertain. A project which is looking very good and there is strong expectation that it will give positive cash flow from the beginning can get wrong and result into loss. On the other hand, uncertain external environment can make a very weak project to a good positive cash generator. In such circumstances, it is not possible for any organization to promise that they will definitely give certain amount of money. (Hassan and Lewis, 2007) In modern banking system, banks normally promise with the investor that they will give them certain amount of money. If due to internal or external economic reason, they get failed, they have to apply for bankruptcy. In this case investors lose whole sum of money. It means if someone makes a promise that they will pay them certain money is actually lie. Islamic banks do not involve in such guarantees. (Ismail and Tohirin, 2010) Islamic Credit Cards Islamic credit cards are accepted in all over the world. These are getting more and more popular due to their benefits which holder of card get and not available through the cards of main stream banks. The holders of card will not have to pay the interest if payment is made before due date. The second benefit of Islamic credit card is that the cardholder can pay Zakat and Takaful online through this card. (Ismail and Tohirin, 2010) Bai Al-Inahl, Quardul Hassan and Al-Wadiah can be applied in Islamic credit card transactions. In this way, Islamic credit cards are complied with the Shariah products. The main stream banks are not providing any of such facilities. The transaction make through Islamic credit cards are interest free and have fixed profit margin if payment on the credit card is late. It does not compound up once payment is not made in time as traditional banks are doing. (Ismail and Tohirin, 2010) SukukÂÂ  (Islamic Bond) These are Islamic financial certificates or in other word, these are Islamic bonds. The investors in the bond do not get the fixed rate of return on investment as interest is prohibited in Islamic economics. The Islamic bonds are classified into tradability and Non-tradability. The total worth of Islamic bonds in next ten years framework would be 1.2 trillion US dollars. The holder of these bonds profit at the rate as the investor is returning to issuer Company. The issuer of bonds set the terms and conditions of its shares in profit. However, investors also share some risk of loss. To avoid the risk the investment project is carefully monitored in the beginning of contract and during the life cycle of project. (Laldin, 2008) Main drivers of Growth M. Ainley et al (2007) argued that there are six main reasons of growth of Islamic financial services in UK No Reason of Growth Explanation 1 Global expansion Islamic finance is growing very fast in the world. Islamic banking 1st introduces in 1060s in Middle East and grows very fast and now its market size is approximately ÂÂ £250bn globally and nearly 300 financial institutions are offering Islamic financial products. This fast growth has affect UK market too 2 Liquid Markets Londons financial market is very flexible, innovative and liquid. UK financial industry is very famous for developing and delivering new financial products 3 Islamic windows Many global banks and financial institutes are working in Middle East and South East Asian countries and have gained a very experience of local market where Islamic banking is growing very fast. So these international banks like Citi, HSBC etc have established Islamic windows that sell Islamic products with their normal routine business. 4 Excess Liquidity in Middle East Excessive Liquidity in the Middle East countries have encouraged the growth of Islamic as well as conventional assets and local financial markets are not capable enough to manage financial activities and large investors starting considering international financial markets. 5 Public policy and regulation UK government also have changed public policy and taxation and developed a taxation policy that is both applicable for both Islamic and conventional financial products 6 Single financial regulator UK government have developed 11 different financial regulators into one by introducing the Bank of England and the Financial Services Authority (FSA) that has increased the result in improved access to Islamic banks and Islamic financial products (Source M. Ainley et al, 2007, Islamic Finance in the UK: Regulation and Challenges, Financial Service Authority accessed from http://www.fsa.gov.uk) Challenges for Islamic finance in UK According to Clive Briault (2007) currently Islamic banks are facing the same challenges as conventional banking but there are some risks which are affecting Islamic banks only. But he mentioned two challenges in particular Risk Management Clive Briault (2007) argued that it is very difficult to manage risk for Islamic finance because many risk management tools that are used by conventional banks or firms are not compliant to Shariah. So there is a big challenge for Islamic finance to develop the tools for risk management. He used the example of Mudaraba and claimed that this product have the same effects in term of liquidity as conventional banks interbank deposit and FSA have concern that how Islamic banks will manage risk for that products. Diverse opinion among Shariah scholars Clive Briault (2007) also claimed that 2nd main concern about Islamic banking is that there is a difference in opinion among Shariah scholars about the different products and FSA a secular regulator not religious so it is difficult for FSA to determine which product is Islamic product and which is not. Research Gap and significance There is no doubt that Islamic Banking and finance is a very hot topic in Western world. Many researchers have presented the growth history and mentioned the annual growth rate of Islamic finance in UK. But less focus is given on the reason of this fast growth, its consequences and what will be possibilities for Islamic finance in future in UK finance market and what could be the challenges for Islamic products in UK. So proposed research will critically review the information provided in literature and will explore the possible reasons of this fast growth and will also try to figure out the possibilities of future growth and challenges in UK market. Research Methodology The title of the research suggest that researcher is exploring the growth of Islamic finance in UK, so proposed study will be exploratory research in which research will explore the available literature to find out how Islamic finance make its way in UK financial market and how it have been growing till now. Researcher will further explore through research papers and FSA reports and articles that what could be the future scope for the Islamic finance and banking. Researcher will also try to find common Islamic products offered in UK financial market through Islamic banks or Islamic windows and what could be the possible challenges for the Islamic finance. Secondary Data According to Fowler (2008) secondary data is a data that is taken from already available data that is collected by other researchers or government agencies for their own purposes. The sources of that data is any kind of published material in form of books, articles, researcher papers, reports etc. As mentioned above that proposed study is exploratory in nature, so secondary data collection method will be best because Islamic banking and finance is very hot topic in the west especially in UK and many Muslim and Western scholars are trying to figure out the future of Islamic finance. It is also mentioned in literature review that researchers claim that Islamic finance is the most growing sector in international financial market. So for exploring all these reality secondary research will be best and researcher will explore already published research and will identify the future scope and challenges for Islamic finance in UK market. Qualitative approach For proposed study qualitative approach will be adopted to explain, interpret and analyze the information gathered through secondary sources. Researcher will try to find out the trends and patterns from available information qualitatively to understand the possible scope and challenges for Islamic finance in UK. Denscomb M (2007) argued that in qualitative approach data is presented in words and images. This approach is adopted where researcher deals will problems related to social sciences or researcher try to explain the points using words or images. In proposed research, researcher is also using words and images to explore and explain the facts regarding Islamic finance. But researcher will not restrict him/herself to qualitative approach and will also use numbers and figures if needed. So researcher will mostly rely on qualitative approach but also can use qualitative data. Quantitative approach According to Denscomb M (2007) in qualitative approach data is collected or analyzed using numbers or figures.

Immanuel Kant and American Psychological Association Essay

For this paper, I will explore the ethical issues in Psychology, more specifically the violation of basic human rights in the example of the Stanford Prison Experiment. The following questions will be addressed: Was the Stanford Prison Experiment worth the consequences it had on the participants? Was it morally right to put the participants in these conditions without their full consent? I will first begin by discussing the experiment and then explain how it was conducted. I will also briefly explain the American Psychological Association guidelines relevant to this example using three of their APA codes: beneficence, autonomy and justice. Then, I will discuss two contrasting theories, the first will be the theory of utilitarianism and if the consequences of the experiment justify the means; in this experiment it seems that the findings justify the actions that took place. The second theory will focus on the Kantian ethics, more specifically the Categorical Imperative 2 where the experiment will be categorized as morally justified or morally unjustified; it seems that using the Categorical Imperative 2 makes the experiment morally unjustified. Finally, I will present my point of view on the ethics of this experiment, which is derived from both theories such that I believe that the findings of the experiment can morally justify the actions that Zimbardo permitted the prison experiment. First of all, what are human rights? As stated by Murthy (2010) human rights are: â€Å"another basis for making ethical judgments. The most basic human rights are to have claims or entitlements that enable; a person to survive, to make free choices, to realize one’s potential as a human being (a right means that a person or a group is entitled to do something or entitled to be treated in a certain way). † The Stanford Prison Experiment was a violation of human rights because the prisoners’ rights were revoked. The Stanford Prison experiment took place in 1971 by Professor Philip Zimbardo. This experiment was held at Stanford University. The aim of this study was â€Å"to investigate how readily people would conform to the roles of guard and prisoner in a role-playing exercise that simulated prison life (McLeod, 2008). † The men that were chosen to do this experiment went through a series of tests. Zimbardo chose twenty-four participants that were randomly assigned to the role of guard or prisoner. This experiment would last two weeks and each man would be paid 15$ a day. The guards were the first to have a meeting and were told to keep order in the prison. They were also given uniforms and mirror-reflective sunglasses. The prisoners were, on the other hand, arrested without notice at their home were strip-searched without consent. They were to wear white robes and had a chain to their ankle. Within a very short period of time the participants started to settle into their roles. The guards quickly became more authoritative and also sadistic, they started to harass the prisoners and became very violent. They were enjoying their role of power. The prisoners became more submissive. After thirty-six hours, one prisoner had to leave the institution because he started to â€Å"have uncontrollable bursts of screaming, crying and anger; his thinking became disorganized and he appeared to be entering in the early stages of deep depression (McLeod, 2008). † Following this episode, more and more prisoners started to show signs of depression. The experiment that was supposed to last fourteen days ended after six. The American Psychological Association is the largest organization representing psychology in the United States and Canada (APA, 2013). The mission of these psychologists is to â€Å"advance the creation, communication and application of psychological knowledge to benefit society and improve people’s lives (APA, 2013). The APA has a set of five major guidelines in their ethics code, which are: beneficence, fidelity and responsibility, integrity, justice and respect for people’s rights and dignity (autonomy). In the case of the Stanford Prison Experiment, some of the principles such as beneficence, justice and autonomy were not put into effect. â€Å"Beneficence means to maximize benefits and minimize harm (Shaugnessy et al. , 2006 quoted by Xavier, 2013). † Zimbardo did not try to minimize harm because although the prisoners were humiliated, in distress and experiencing psychological stress, it took six days for the experiment to shut down. â€Å"Justice means fairness in receiving the benefits of research in addition to accepting the risks (Shaugnessy et al. , 2006 quoted by Xavier, 2013). † Here justice was not respected because the participants did not consent to the full experiment. They weren’t properly informed about what really was going to take place in the prison and therefore did not make a decision on the entirety of the facts. â€Å"Autonomy (or respect for people’s rights and dignity) implying respect for individuals was not present (Shaugnessy et al. , 2006 quoted by Xavier, 2013). People’s rights and dignity were not taken into account. The dehumanizing process began at the beginning of the experiment, when prisoners were instructed to strip naked and accelerated from then on. If this experiment were to be done in today’s society, it would be turned down. â€Å"If modern guidelines were followed, the Stanford Prison Experiment would never have been allowed to take place as it would constitute a serious branch of ethics in accordance to the guidelines of the American Psychological Association, not least because of the fact Zimbardo and his fellow researchers failed to respect the rights of their participants by failing to tell them exactly what they were getting themselves in too (Burgemeester, 2011). † From a Kantian point of view, can we morally justify the actions by Dr. Zimbardo in the Stanford prison experiment? The answer to this question is in Kant’s Categorical Imperative. Kant’s second Categorical Imperative states that â€Å"So act that you use humanity, whether in your own person or in the person of any other, always at the same time as an end, never means† which in basic terms means â€Å"don’t use people†. It is important to remember that Kant believed that human beings have a special dignity because of their rational nature and that therefore humans deserve a special kind of respect (Van Der Wee, 2013). When taking the example of the Stanford prison experiment, many of the participants’ human rights were not respected. First of all, the prisoners were arrested at their homes, without notice. They were brought to a police station where they had their fingerprints and photographs taken. They were then blindfolded and driven to the Stanford prison where they were stripped naked and then put in a cell. This is a perfect representation of how the prisoners’ were striped of their rights. They had not in anyway consented to this: â€Å"Participants were deceived; an example would be that their consent forms were not complete and did not properly address all that would take place (Shaugnessy et al., 2006 quoted by Xavier, 2013). † After a day in the prison, the participants already started to take their roles more seriously. The prisoners were more submissive and the guards were more aggressive: â€Å"It was not long before the situation rapidly worsened as the behavior of the prison guards became increasingly sadistic and more prisoners succumbed to psychological stress (Burgemeester, 2011). † Prisoners wanted to leave the experiment but weren’t allowed to: â€Å"Several of his participants requested withdrawal numerous times, but he discouraged this and almost forced them to carry on (Zuczka, 2012). † Although the experiment was supposed to last fourteen days, it was stopped after six. Many researchers wonder why it was not stopped after the first time a prisoner was beaten. References Alkadry, M. G. , & Witt, M. T. (2009). Abu Ghraib and the Normalization of Torture and Hate. Public Integrity, 11(2), 135-153. American Psychologists Association. (n. d. ). Ethical Principles of Psychologists and Code of Conduct. American Psychological Association (APA). Retrieved April 29, 2013, from http://www. apa. org/ethics/code/index. aspx? item=3 Burgemeester, A. (2011, June 21). What are the Zimbardo Prison Experiment Ethical Issues? | What is Psychology?. What is Psychology? |. Retrieved May 1, 2013, from http://whatispsychology. net/what-are-the-zimbardo-prison-experiment-ethical-issues/ Cherry, K. (n. d. ). The Stanford Prison Experiment – Overview of the Stanford Prison Experiment. Psychology – Complete Guide to Psychology for Students, Educators & Enthusiasts. Retrieved May 1, 2013, from http://psychology. about. com/od/classicpsychologystudies/a/stanford-prison-experiment. htm Dreifus, C. (2007, April 3). Finding Hope in Knowing the Universal Capacity for Evil. The New York Times, p. 1. Retrieved April 23, 2013, from http://www. nytimes. com/2007/04/03/science/ McLeod, S. (2008, January 1). Zimbardo – Stanford Prison Experiment. Simply Psychology – Articles for Students. Retrieved April 29, 2013, from http://www. simplypsychology. org/zimbardo. html Murthy, C. S. (2010). Chapter 3: Normative Ethics in Management. Business ethics (Fully rev. ed. , pp. 74-79). Mumbai [India: Himalaya Pub. Book. Retrieved April 29, 2013, from http://dc153. dawsoncollege. qc. ca:2440/lib/dawsoncoll/docDetail. action? docID=10415475&p00=business+ethics. Van Der Wee (Winter 2013) In Class Notes & PowerPoint Xavier, R. (2008, January 5). The Stanford Prison Experiment: Exploring the Ethical Issues. Yahoo. Retrieved April 25, 2013, from voices. yahoo. com/the-stanford-prison-experiment-exploring-ethical-563843. html? cat=37 Zuczka. (2012, February 5). Zimbardo’s prison experiment: do the ends justify the means of the ethical implications? | Psycho4Stats. Psycho4Stats | Because we all love: Psychology Statistics. Retrieved May 1, 2013, from http://zuczka. wordpress. com/2012/02/05/zimbardos-prison-experiment-do-the-ends-justify-the-means-of-the-ethical-implications/.

The Struggle For Women s Rights - 850 Words

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Black Codes And Jim Crow - 944 Words

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These laws held the intention of preserving slavery in the South, as they were modeled after the previous slave codes, which were laws previous to the Civil War that defined who slaves were, in addition to what they were or were not allowed to do. These Black Codes changed the new definition of who African Americans were in 1865. According to the 13th Amendment, slavery was henceforth banned after ratification by the states on December 6th, 1865 thereby freeing slaves of their bonds, though still being associated as freedmen, not just men or women. However, the Southern states sought to continue the use of slaveShow MoreRelatedBlack Codes, Redemption, And Jim Crow1042 Words   |  5 Pagesas citizens. Many problems interfered with this process. Black codes, Redemption, and Jim Crow are all examples of initial offering and then revoking of freedoms toward African Americans throughout Reconstruction. African Americans did not lose without a fight though; some even maintained it. 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Programs such as the Freedman’s Bureau, provided free blacks and poor white with food, housing, schooling and medical assistance in attempts for a better transition. However, freed blacks were met with challenges with discrimination and segregation among their white societals. These challenges came in forms of locally organized laws such as the Black Codes, and the Jim Cro w Laws. When those barriers were challengedRead MoreThe Black Slave Codes, Jim Crow Laws, And Color Line1376 Words   |  6 Pagesnot as common and frequently exposed as appropriate. The Black Slave Codes, Jim Crow Laws, and Color-Line are within our societies normative cluster cultures. This is where groups of culture habit a vicinity of likeness and share appropriations, such as racial norms, bed rocked by realtor support, financed lender discrimination, city-property tax inequality increases, and school zonings. These are some of the new erected obstacles that â€Å"blacks† face when trying to assimilate into a society not madeRead MoreThe Amendment Of The Fourteenth Amendment1438 Words   |  6 Pages1865, the 13th amendment was passed by congress. This amendment said that no one, not even those of differing colors, could be held as slaves (with the exception of prisoners). In short, this amendment freed the black slaves (and other races) of enslavement. Unfortunately t hough, the black slaves were never truly â€Å"free† for well over 100 years, as after the passing of the 13th amendment, they were repeatedly persecuted against, most notably in the southern United States. Furthermore, Mississippi neverRead MoreIs The Jim Crow Laws?962 Words   |  4 PagesThe topic that I chose for my research paper is the Jim Crow laws. I chose this topic because during this time period the Jim Crow laws were a huge obstacle that our country had to overcome in order to grow. The Jim Crow laws were created to separate whites and blacks in their everyday lives, allowing for no interaction between races. The Jim Crow Laws were enforced in the southern, United States. The laws existed between 1877 and the 1950’s, around the time the reconstruction period was ending andRead MoreEssay about Jim Crow Laws in the United States1460 Words   |  6 PagesWhite people to harass Black people. If we base our country on giving freedom to everybody, shouldn?t it include everyone? Discrimination against Blacks was called Jim Crow laws. The laws made sure Blacks and Whites had limited contact, and different lifestyles. They made sure Blacks stayed in different section of trains, restrooms, restaurants, buses, and much more. Jim Crow laws said that everything had to be ?Separate but equal?. However, most places weren?t equal for blacks. Take a look into theRead MoreEffects Of Jim Crow Laws813 Words   |  4 Pages The Jim Crow laws were statutes enacted by Southern States, beginning in the late 1870s in early 1880s, the legalized segregation between African Americans and whites. The Jim Crow laws restricted the rights of African-Americans to use public facilities, schools, to vote, to find decent employment, basically excluding African-Americans from existing their rights as citizens of the United States. Racial discrimination may have been most well known as a southerner state to chew ation, but in realityRead MoreThe New Jim Crow Law1014 Words   |  5 Pagesfollows those who are released from prison through exclusion and legalized discrimination, hidden within America. The New Jim Crow is a modernized version of the original Jim Crow Laws. It is a modern racial caste system designed to keep American black men and minorities oppressed with laws and regulations by incarceration. The system of mass incarceration is the â€Å"new Jim Crow† due to the way the U.S. criminal justice system uses the â€Å"War on Drugs† as the main means of allowing discrimination andRead MoreAs Far as the Crow Flies731 Words   |  3 PagesMississippi history is long and varied. Three historical events Mississippi will long be known for is slavery, Jim Crow Laws, and the murder of Emmett Till. Slavery began in Mississippi before it became a state and the majority of its existence relied o n the free labor of African-Americans. Jim Crow Laws enforced segregation between African-Americans and Whites in Mississippi following the end of slavery. Emmett Till was an unfortunate casualty of unknowingly going against the laws of segregation