People as in settlers? Or people as in American citizens?
Generally speaking, to gain more capital for industrial expansion, small companies "borrowed money from banks," since at the early stages of production they did not generate enough capital to do so on their own.
Answer:
I believe it affected all of the states, but it had the biggest impact on the southern states (confederate states).
Explanation: "all persons held as slaves within any States, or designated part of the State, the people whereof shall be in rebellion against the United States, shall be then, thenceforward, and forever free."
I apologize if this wasn't exactly what you needed!
