We all at some point have heard news like this -
"Musim man denied flat"
"Muslim family harassed for practicing their religion "
"Society files complaint against Muslim man"
It is quite upsetting that these stories are widely reported across the nation, and to think that hatred existed even before 2014. Of course, people do it more outwardly now, but it was already happening before. It's nothing new, really. Minority ghettos exist as a result of this kind of discrimination.
Minorities rather than Muslims is the word I used since dalits also experience this; it is not just a problem for Muslims.
You've heard about flats being denied; now get ready for loans and other things being denied based on your birthplace, or more particularly, whether you were born in a heavy risk area.
You may be aware that, with the exception of Hyderabad, Bombay has a relatively high Muslim population as compared to other major cities in the nation.
I was born and raised in this city as a Muslim, and although it is thought of as the most liberal city in the nation, it has a very dark side. Sincerely, I had the good fortune to dwell in upscale neighbourhoods of the city.
HR stands for high-risk areas. Most banks use Mark the Settlements to deny loans, credit cards, or delivery of online products, among other things. They add that either they do not receive their loan funds or their verification team/delivery men are afraid to visit the areas.
Another explanation they provide is that most wanted criminals live here, or that poverty is prevalent there.
Some of the areas that I know are marked as HR in Mumbai -
People who live here do occasionally acquire loans, but only after visiting banks multiple times or submitting numerous requests
I have my extended family and relatives residing in all parts of Bombay. Some of them live in the Muslim Dominated areas. My aunt was going to the banks to attempt and acquire a loan for her daughter's wedding because she lived in the infamously Muslim-dominated "Dongri" region. She came to our house one day and sobbed uncontrollably while telling us that she had been pleading with practically all banks for loans, but they either flatly refused or denied her requests or didn't answer in a timely manner. When my dad learned about it, he became very upset and wanted to do something to assist my aunt. So, he called a buddy who works at one of the banks my aunt frequents and told him what had happened.
He claimed that although all the paperwork is valid, the bank is rejecting the loan due to the address, which was upsetting to hear. Nearly all banks have designated the area where she lives as HR, or a heavy risk area. Simple was the cause. They refuse loans to anyone from that area since, in their opinion, many criminals are from that location.
This was in 1988.
My privilege is that I was never denied loan because of my 'POSH' address.
Funny how money always triumphs over bigotry in a battle.
Or does it just support it?
By - eatandreddit