Desc: Where Credit Is Due: Directed by Michael Letcher. With Anny Braxton, Joan C. Browning, J.L. Chestnut, Katessa Hughes. A lifetime of effort promoting economic power and self-sufficiency for low-income southerners was a calling for EARNEST JOHNSON. Enraged by the economic exploitation of blacks in 1950's Alabama, he applied Civil Rights Movement experience to the development of small independent credit unions. He continues his fight in an era when subprime and often predatory finance has become a mainstream industry.