What is Niggard?
1.
A miser; a stingy person. The word is not in any way related to the negroid race.
George Eliot's Silas Marner portrays the life of a lonely niggard who cares for naught but his money
2.
An execessively stingy person.
An excesselively miserly person.
Despite common opinion, it does not refer to people with darker skin.
In fact the most well-known niggard was/is white!
Scrooge, from a Christmas carol, is a niggard and therefore niggardly.
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3.
A stingy or ungenerous person; one who is or is behaving
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Person With a Large Vocabulary: Why won't you give me a dollar? You're such a niggard.
Person With a Small Vocabulary: WHAT'D YOU JUST CALL ME?!
Person With a Large Vocabulary: I called you a niggard. You know: stingy, not generous, generally not the kind of person you'd want to hang out with.
Person With a Small Vocabulary: Now you're just being racist!
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4.
Some think it is a derogoratory term for black people,
"That greedy old niggard."
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