U.S. Minority Depository Institutions at the Dawn of the Twenty-First Century
Bibliographic record
Abstract
In the current era of intensified global migration and economic change, the simultaneous movement of people, money, services, and information alter the socioeconomic demographic makeup as well as the financial dynamics of countries. Building on our previous work on ethnic banking, this article examines the size, nature, and capacity of the new minority depository institutions (MDIs) in the United States. It identifies the reasons for the establishment of these new MDIs and their distribution in relation to immigration dynamics, and observes the role of social capital in their operation. It finds that contemporary financial dynamics pertaining to immigrants and minorities is rooted and localized in different ways and with different groups. Some MDIs are more globally connected or less locally embedded than others. Their utilization of social capital or ethnic assets also varies. In asserting that global financial situations and global money flows have significantly affected the emergence of MDIs, we suggest some policy interventions to facilitate the healthy growth of MDIs.
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How this classification was reachedexpand
Full frame machine prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. The Gemma side is a direct model label for every work in the frame, read from the title-only record. The Codex side is a classifier learned from the 10,348 direct Codex labels and calibrated to design-weighted sample rates; fields without enough sample support carry no Codex call. Candidate is the union of the two sides; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels.
Distilled classifier scores by category (both heads)
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.001 | 0.001 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.000 | 0.001 |
| Science and technology studies | 0.003 | 0.001 |
| Scholarly communication | 0.002 | 0.001 |
| Open science | 0.000 | 0.002 |
| Research integrity | 0.000 | 0.001 |
| Insufficient payload (model declined to judge) | 0.006 | 0.000 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one source (direct Gemma or distilled Codex), not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".