Those are two completely different questions
An ethnic group<span>, such as Japanese or Russian, is a term that refers to a group of human beings who's members identify with one another based on common ancestry and culture.</span>
Http://www.accidentsinus.com/Victims/
Great website (not in that way) shows accidents and injuries data for the US.
Answer:
They are way more likely to approve a loan request to a singular person, while banks do way more checks and are usually out of bounds for smaller businesses.