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Latest U.S. Payroll Protection Program Can Help Minority-Owned Businesses

GTCF was launched by the Emmy award-winning GIVE TV creators Gary Reeves and acclaimed actor Blair Underwood to continue the philanthropic mission of this innovative television show currently appearing on Discovery Channel (OWN).

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  With the U.S. economy struggling through the impacts of the COVID-19, Congress passed a broad Coronavirus Relief Act that went into law at the end of 2020, which included $284billion in funding for a second round of the Paycheck Protection Program (PPP).

   These funds are now being released, providing a lifeline to businesses, nonprofits, faith-based organizations and those who are self-employed, to get through these difficult economic times.

    PPP, first introduced in 2020 as part of the CARES Act, provides businesses with “forgivable” loans, which will not have to be paid back if funds are used as outlined by the SBA to pay wages, rent, utilities, and other specified expenses. 

     Businesses can apply for a PPP loan, whether they received funds in the first round or not. And unlike traditional loans, qualifying for this program is not based on the borrower’s credit-worthiness, and there is no collateral or personal guarantee required. To qualify, businesses needed to have been operating before Feb. 15, 2020, and be within SBA PPP size guidelines. It is available to businesses that have employees and those that don’t, including independent contractors.  It is also open to non-profit and faith-based organizations.

   Many small businesses, especially minority/women-owned,did not take advantage of the PPP during the first round.  It’s been well documented that minority-owned businesses, in particular, participated in PPP at a much lower rate than the rest of the country, and were often among the last to get PPP funds.  This, despite the fact that African-American and Latinoowned businesses were among the hardest hit by the pandemic.

   A lack of program awareness or misconceptions about eligibility were factors driving low participation.  Limited access to banks offering PPP was another primary driver cited in a study conducted by the Brookings Institute, noting a reduction in community banks serving minority communities and a higher level of underbanked business owners.

   This fact resonated with Damon Maletta, CEO of AdessoCapital, a business loan brokerage house, that has been helping businesses access capital since 2007. “During the first round, our existing clients approached us because they couldn’t find a bank that would take their application,” said Maletta. “Most banks were not equipped to process such high volumes of applications and didn’t have the capital, so they restricted applications to existing customers.”

   Recognizing the significant impact of the COVID-19 Pandemic, the nonprofit “Give to Change” Foundation (GTCF) is quickly ramping up efforts to break down these barriers and help small businesses, nonprofits and faith-based organizations  across all communities gain access to this program.

    GTCF was launched by the Emmy award-winning GIVE TV creators Gary Reeves and acclaimed actor Blair Underwood to continue the philanthropic mission of this innovative television show currently appearing on Discovery Channel (OWN). 

   GTCF is partnering with Adesso Capital to help provide these organizations with streamlined program information, access to a leading SBA-Certified bank, a straight-forward online application, and a PPP helpline with experts who can help applicants with any program or application questions they may have. 

  This is all available to applicants at absolutely no cost, and accessible at www.giveppp.com. There you will find more details on program eligibility, how much money your business will qualify for, and program forgiveness.

   A criticism of the PPP during the first round was that most of the funds went to large companies.  Several changes made in this round, including reduction in the maximum loan amount from $10 million to $2 million, and a set-asides for minority-owned businesses will allow funding to go further and reach those that need it most.

  However, funding is still limited and available on a first-come,first-serve basis and may be allocated before the program expires on 3/31/2020.  Therefore, small business owners are encouraged to apply right away.

For PPP program details, online application, and access to the Give/Adesso PPP Helpline, go to www.giveppp.com.

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Activism

The Ladies of Delta Sigma Theta Hold Day of Advocacy at the Capitol in Sacramento

A member of the “Divine Nine,” Delta Sigma Theta Sorority, Inc., was founded on Jan. 13, 1913, at Howard University in Washington, D.C. The organization was established by 22 women who sought to shift the group’s focus from social activities to public service, academic excellence, and social activism.

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Sen. Laura Richardson (D-San Pedro) presents a Senate resolution to the Delta Theta Sigma Sorority Farwest Region at the State Capitol on May 4. Photo courtesy of the Senate Rules Committee.
Sen. Laura Richardson (D-San Pedro) presents a Senate resolution to the Delta Theta Sigma Sorority Farwest Region at the State Capitol on May 4. Photo courtesy of the Senate Rules Committee.

By Antonio Ray Harvey, California Black Media

On May 4, members of the Farwest Region of Delta Sigma Theta Sorority, Inc., convened at the California State Capitol for the organization’s 23rd annual Delta Days in Sacramento.

The two-day advocacy event brings together chapters from across California to engage directly in the legislative process, connect with lawmakers, and advocate for policies impacting Black communities.

Members of the sorority were honored on the Senate floor by Sen. Laura Richardson (D-San Pedro), who is also a member of Delta Sigma Theta.

Richardson welcomed the Farwest Region during the presentation of a Senate resolution recognizing outgoing Regional Director Kimberly Usher for her leadership and service.

“In addition to the Far West Region, we are led by a fearless leader, regional director Kimberly Usher. She has now served her full term of what’s allowed,” Richardson said. “We are going to be having our regional conference, but we wanted to give it to her here, officially recognizing her service.”

The resolution was co-authored by Richardson and fellow members of the California Legislative Black Caucus (CLBC) and Delta Sigma Theta, Sen. Akilah Weber Pierson (D-San Diego) and Assemblymember Rhodesia Ransom (D-Stockton).

Usher has served in the leadership role since 2022.

A member of the “Divine Nine,” Delta Sigma Theta Sorority, Inc., was founded on Jan. 13, 1913, at Howard University in Washington, D.C. The organization was established by 22 women who sought to shift the group’s focus from social activities to public service, academic excellence, and social activism.

“We are founded on sisterhood that is deeply rooted in scholarship, service, and social action,” said Weber Pierson, a member of the Gamma Alpha chapter of Delta Sigma Theta Sorority.

“Today, we continue a legacy of empowering communities and upholding the high cultural, intellectual, and moral standards established by our founders over a century ago,” she added.

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Bay Area

How Is AI Affecting California? The State Wants You to Share Your Story

The program marks the first time the state has opened the platform to all Californians. State officials said the effort is designed to give residents a direct role in discussions about how AI should be regulated and used as the technology rapidly expands across industries.

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By Bo Tefu, California Black Media  

Gov. Gavin Newsom announced May 7 that California is expanding its Engaged California digital democracy initiative statewide, inviting residents to help shape future state policies on artificial intelligence (AI) and its impact on jobs and the economy.

The program marks the first time the state has opened the platform to all Californians. State officials said the effort is designed to give residents a direct role in discussions about how AI should be regulated and used as the technology rapidly expands across industries.

“We’ve got to be clear-eyed about this moment: AI is moving fast, bringing enormous opportunity, but also real risks,” Newsom said in a statement. “Californians deserve a seat at the table as we shape what’s to come.”

The initiative will roll out in two phases. Beginning immediately, Californians can sign up online to share how AI is affecting their work and communities and provide ideas for possible government action. Later this summer, a smaller group reflecting the state’s workforce demographics will participate in live discussions focused on developing policy recommendations.

State officials said the goal is to identify areas of agreement among Californians and provide policymakers with public feedback as the state develops future AI regulations and workforce strategies.

Engaged California is modeled after digital democracy programs used in Taiwan and is intended to encourage structured public discussion rather than social media-style debate. Officials described the effort as a form of “deliberative democracy” aimed at helping residents engage directly in state decision-making.

“The more Californians are engaged in the democratic process, the better able we’ll be to confront the challenges we face together,” said Nick Maduros, California Secretary of Government Operations, in a statement.

The statewide launch builds on two earlier pilot programs. One pilot gathered public input following the Los Angeles firestorms to help guide recovery efforts, while another collected ideas from state employees about improving government operations.

California has positioned itself as a national leader in AI policy and development. Since 2023, the Newsom administration has introduced initiatives focused on responsible AI use in government, cybersecurity protections, workforce training and regulations targeting risks such as deepfakes and AI-generated robocalls.

The state has also partnered with companies in Silicon Valley — including NVIDIA, Google, Adobe, IBM and Microsoft — to expand AI education and workforce training programs across California schools and universities.

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Advice

Book Review: Books for College-Bound Students

The kind of workday your Grandpa had is probably over, and you can’t count on toiling at the same place for 40 years for a pension and a gold watch. You already know that, and these books will help you decide your next step. You’ll learn what kind of worker you are, what’s stopping you from finding a job or occupation you’ll love, how to determine the purpose you envision for your future, and how to get where you need to be.

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Book covers. Photo courtesy of Terri Schlichenmeyer.
Book covers. Photo courtesy of Terri Schlichenmeyer.

By Terri Schlichenmeyer

Authors: Various, Copyright: c.2026, Publishers: Various, SRP: $21.00 – $29.00, Page Counts: Various

The videos and news reports were inspiring.

In them, a hesitant prospective college student became a happy, new college-bound student with the click of a key. They were accepted into the college of their dreams – so how can you get the same feeling next spring, when you’re the one with the highest of hopes?

You can start by reading these great books and sharing them with your family…

You probably already know that getting into the college of your choice is not something you do last-minute. In “The People’s Guide to College Applications: A Week-by-Week Approach to Writing, Connecting, and Getting in” (Prometheus Books, $ 21.95), Jill Constantino takes you through each step, but not in a frantic way. There’s no pressure here, just easy-to-grasp, makes-sense methods to apply for the college you want. There are reminders here, things you can’t forget and things you can, hints on asking for referrals and writing essays, and plenty of reminders to take a deep breath. Bonus: it’s also a book for parents, who may feel just as much pressure as their child does.

Okay, but let’s say that you’re an adult, a parent who’s sweating those college applications, classes, and the FAFSA for yourself, ugh!  Then you’ll want to read “Student Parent: The Fight for Families, the Cost of Poverty, and the Power of College” by Nicole Lynn Lewis (Beacon Press, $26.97). an urgent call meant for nontraditional students who are also Black, Latinx, gay, Moms, or Dads.

Inside this book, you’ll find stats and stories that may already sound familiar, tales of not enough money, not enough support, not enough arms or sleep or resources. If you’re looking for a book of advice, this isn’t it, though. It’s more of a resource that you’ll want to take to your guidance counselor or any local politician.

Alright, but what if you’ve decided that college can wait? Is that okay? Look for “The Mission Generation: Reclaim Your Purpose, Rewrite Success, Rebuild Our Future” by Arun Gupta and Thomas J. Fewer (Wiley, $29.00) because – guess what? – you have many options for your future.

The kind of workday your Grandpa had is probably over, and you can’t count on toiling at the same place for 40 years for a pension and a gold watch. You already know that, and this book will help you decide your next step. You’ll learn what kind of worker you are, what’s stopping you from finding a job or occupation you’ll love, how to determine the purpose you envision for your future, and how to get where you need to be. This book isn’t just for high schoolers, but for anyone ages 16 and beyond who’s feeling restless, ready for change, or who’s thinking about some kind of purposeful retirement.

And if these aren’t the college-based or not-college-bound books you need, then be sure to ask your favorite bookseller or librarian for help on ideas, how-to’s, test prep books, or study guides. They’ll have books for you, and maybe a little inspiration, too.

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