Grit, Savvy, and Determination
Maggie Walker was quite the character.
In 1878, teenaged Maggie joined the Independent Order of St. Luke in Baltimore, a benevolent organization that tended to the sick and aged, and promoted humanitarian causes. By 1899, she was leading the organization to increased membership and financial solvency, with chapters spreading across the country, all while maintaining its core mission.
In 1903, she founded the St Luke Penny Savings Bank. The goal was to provide an institution for saving and lending for use by the underclass, served so little by traditional banks. She later served as chairman of the board for the Consolidated Bank and Trust Company, when Penny Savings merged with two other Richmond-area banks.
What’s most remarkable about Maggie Walker’s ambition and success wasn’t that she was a women in the business world in a Southern state at the dawn of the 20th Century. It’s that she was a Black woman in the business world in a Southern state at the dawn of the 20th Century. This is the Jim Crow era, and even if it was during a lull in Ku Klux Klan activity, it was still not a great time and place to be a Black man in the business world, much less a Black woman.

Maggie Walker succeeded in the way most successful African-American businesspeople did in that era: she provided services to her own. The St Luke Penny Savings Bank served the Black community in Richmond, providing a safe place for savings, fair transactions, and financing for a variety of businesses endeavors. If the greater business community wouldn’t give them a fair shake, they would make their own fair shake. The Richmond African-American business community thrived due to their collective grit, savvy & determination.
This happened all across the country: New York City, Washington, Oakland, Tulsa, even Birmingham, Alabama. Richmond was known as “The Harlem of the South”, and the Jackson Ward area, which includes Maggie L. Walker’s home (protected by the National Park Service) and other landmarks (like the Hippodrome Theater). It’s a cool place to visit.

Tales of the Forgotten
I recently read A Black Women’s History of the United States by Daina Ramey Berry and Kali Nicole Gross. It recounts the struggle of Black women from the earliest days of colonialism. Isabel de Olvera came to the Americas so early, in fact, she was actually a free person. In 1600, she petitioned local officials in Mexico for affirmation of her rights. She was suspicious, and rightly so, that she would be subject to violence or captivity whilst on an expedition to New Spain. She demanded an affidavit proclaiming her status as a free person. The remaining 400 or so years has been a continuation of those demands, clearly with mixed results.
A Black Women’s History covers this entire era, from 1594, when a person described only as a “mulatto woman” made her way to present-day Kansas as part of the Francisco Leyva de Bonilla expedition (where they were all likely killed by the local Kitikiti’sh people) to Shirley Chisholm’s run for President in 1972. I shouldn’t have to say the history of Black women has been fraught with sadness, but it’s also full of grit, savvy, determination, and especially courage.
The worst part of it all, though, is the history of Black women is also full of forgetfulness, or, more accurately, inconsideration. Frankly, nobody cared, and nobody documented. Sure, figures like Rosa Parks and Harriet Tubman get their due, but beyond that, how many famous African-American women can you name (outside of entertainment figures like Oprah Winfrey or Billy Holiday)? Fortunately, A Black Women’s History is here to introduce us to many.
This is not just a collection of stories, however. The authors also describe the chain of oppression formed from the links of womanhood. Imagine a world where your own personal freedom defined the freedom of your children, where your own progeny could not have their escape because you were guaranteed to not have yours. Yet that’s what the colonial — and later national — policy of partus sequitur ventrem (‘that which is born follows the womb’) meant. Imagine being a mother and learning you’re pregnant under such a system.
If you have a fondness for American history, I suggest you add A Black Women’s History to your reading list. Otherwise, you’re missing a part of the story.
[I visited Maggie L Walker NHS before I had a digital camera. Pictures here are courtesy of the National Park Service.]
Links:
Maggie L. Walker National Historic Site
9 Historic Black Neighborhoods That Celebrate Black Excellence
The Story of the Chitlin’ Circuit’s Great Performers











