On this Tuesday, June 1, episode of Sundial,
Miami-Dade Shootings On Memorial Day Weekend
South Florida is dealing with the aftermath of multiple deadly shootings that happened over Memorial Day weekend.
One of the shootings happened . Gunmen ambushed a crowd outside a concert in Northwest Miami-Dade 鈥� leaving two people dead and at least 20 others wounded.
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Police called it the worst mass shooting in Miami-Dade County鈥檚 recent history.
鈥淧eople are out abroad now. We all have to be vigilant and we have to invest in our communities and we have to police our communities. And all of that doesn't work without trust,鈥� said Alfredo Ramirez, the director of the county's police department.
County officials said the shooting was the result of an ongoing rivalry between two groups.
There were in the county over the weekend since Thursday. In total, four people were killed and more than two dozen were injured.
鈥淚t鈥檚 been a really violent weekend down here,鈥� said Miami Herald cops and crime reporter Chuck Rabin. 鈥淔rom the north end, to Wynwood, to Midtown, to the beach and the absolute violence with these semi-automatic weapons ... it鈥檚 crazy.鈥�
During the shooting outside the concert on Sunday, two of the gunmen used what police described as 鈥渁ssault-style rifles.鈥�
Police departments are asking people to come forward with information leading to the arrest of the gunmen. Anyone with information on the shootings is asked to call Miami-Dade Crime Stoppers at 305-471-8477.
A New Program Helps Immigrants Build Credit
For the more than 53 million Americans that don鈥檛 have a credit score, some large banks are introducing a new program to give them access to credit cards. Beginning this fall, JPMorgan Chase will launch that will give customers the ability to take on small amounts of credit card debt based on their checking and savings history. AnnaMaria Andriotis covers credit cards for the Wall Street Journal.
鈥淏anks will be relying on the information within people鈥檚 bank accounts to make these decisions. And banks will be sharing information. Let鈥檚 say a financial institution gets a credit card applicant that doesn鈥檛 have a credit score and doesn鈥檛 have much of a credit report. In almost every case that person will be rejected for credit. But if that bank could see the information at the bank where the person does have an account, well then that changes things,鈥� Andriotis said.
Credit scores are an important indicator of someone鈥檚 financial risk and are used in everything from car loans, to mortgages and renting an apartment. Andriotis argued this could prove incredibly beneficial for immigrants who are often left out of traditional banking.
鈥淭he impact of not having a credit score is so far-reaching in someone鈥檚 life. It鈥檚 very difficult to get approved for a loan from a bank at a decent interest rate so you鈥檙e stuck at this corner of the market with very expensive loans,鈥� Andriotis said.
There are other new tools geared towards immigrants to get them involved in the financial system. The mobile banking application Majority, which just launched an in-person branch in Little Havana, is focused specifically on the Latin American population in South Florida. Magnus Larsson is the company鈥檚 CEO, he came to the U.S. as an immigrant from Sweden.
鈥淭here's a lot of these hurdles ... It's just not only banking, it鈥檚 calling back home to Mom and telling her you're alive, it鈥檚 getting a job, getting a house ... It鈥檚 an overload of information,鈥� Larsson said.
Majority markets itself as a low-cost option for immigrants who don鈥檛 have a formal credit history and want to be able to send remittances home easily.
According to Alex Sanchez, CEO and president of the Florida Bankers Association, 6% of the U.S. population remains unbanked. He argued Florida is ahead of many other states in the country when it comes to getting immigrant populations involved in the banking system, but that more work needs to be done.
鈥淵ou cannot be a banker in Florida and not see the reality of what鈥檚 happening in our cities every day by the influence of immigrants," Sanchez said.
