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LOANS page 15

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HFL celebrated its
97th birthday last Decem-
ber. Since its inception in
1895, the agency has
grown — and so has the
demand for its services.
For instance, in 1973,
before the first wave of
refugees from the Soviet
Union, HFL made 45
loans totaling $18,000.
Last year, it issued 613
loans totaling $1.4 mil-
lion.
After 70 years of work-
ing for HFL as a legal
adviser and board mem-
ber, Myron Schiffman has
witnessed the explosion in
loans.
"The small acorn grew
into an oak tree," said Mr.
Schiffman, 89. "In 1923,
we were making loans of
$25."
Today, a general HFL
loan is $2,000. It must be
repaid on a weekly basis
within a year.
HFL, which predates
the Jewish Federation of
Metropolitan Detroit,
became a founding agency
of Federation in 1926. It
receives operating funds
from the Federation and
direct donations. Loans
also come from donations
that have accumulated
over the past 97 years.
The agency has also
begun to accumulate
endowments, the interest
from which will be used
for more loans.
During its existence,
HFL has diversified. It
now manages an account
specifically for new
Americans and adminis-
ters the loan program of
the Neighborhood Project.
In this capacity, HFL has
given 500 loans to Jewish
people moving into Oak
Park and Southfield.

These loans can be for
much as $8,000.
HFL also coordinat,
JELS, Jewish Education
Loan Service. Dr.
Diem, another HFL dir€
tor, thanks JELS for h
doctorate in medicine.
He did not come from
wealthy family. In fact,
a medical student tryi)
to make ends meet, ]
worked as a door-to-do
scarf salesman. An HI
loan enabled him to coy
plete school.
Luckily, Mr. Acker al'
Dr. Diem have stori(
with happy endings. Th
isn't the case with all boI
rowers.
Some, albeit few, renel
on their promise to repa
In this event, HFL wor]
ers and the borrower ti
to negotiate a moi
lenient plan for repa:
ment. But if the borrow!
cannot afford to dischari
the obligation, HFL asi
cosigners to help ou
Each loan must be unde,
written by two loci
cosigners with good credit
If cosigners refuse, ti
case might go to tour
However, this happer
extremely infrequentl
according to ExecutiNI .
Director Ruth Marcus, or
of the agency's three pa]
staff members.
Mrs. Marcus and HF
directors say most peop]
repay their loans becaus
they realize that th
money is recirculate
through the Jewish con
munity. In fact, at any on
point in time, 80 percen
of the agency's funds ar
in loans.
That's the way it shoul
be, say HFL board mem
bers.

❑

Author Says Gentiles
No Longer Define Jews

LESLEY PEARL STAFF WRITER

G

eoffrey Wigoder is
more interested in
what Judaism means
as a culture than as
a religion.
Dr. Wigoder, author,
former editor in chief of
Encyclopedia Judaica and
columnist for the Jeru-
salem Post, spoke to reli-
gious leaders throughout
the community at Temple
Beth El recently for the
51st annual Rabbi B.
Benedict Glazer Institute.
The Glazer Institute gath-

ers leaders of various
racial, religious and eth
nic backgrounds together
each year in an effor .
toward better understand
ing.
Dr. Wigoder spoke or
defining Jewish cultur(
and its contributions t(
Western civilization.
"Until two centurie s
ago, Jews were defined b
non-Jewish society," Dr
Wigoder said. "Civil right
and emancipation change(
that — it led to a state

.