When people came from the Caribbean last century and were turned away by banks, many relied on communal trust

Among the challenges faced by the Windrush generation when they arrived to work in Britain in the 1940s, 50s and 60s was the refusal by many banks and building societies to allow them to open accounts, deposit savings or take out loans.

Instead, they set up their own community schemes, based on those that had existed for generations in the Caribbean and elsewhere, that relied on trust.

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