The inability of small and medium enterprises to access microloans from microfinance banks is a major concern in business growth and development in Nigeria. The purpose of this descriptive phenomenological study was to explore strategies for accessing microloans from microfinance banks by owners of small and medium enterprises for business growth and survival. Using the conceptual framework on social capital theory, I selected 20 small and medium enterprises owners who have accessed microloans from microfinance banks and have operated their businesses beyond 5 years with significant growth were interviewed using face-to-face semistructured interviews. Data were collected using semistructured interviews and reviews of company documents. The use of member checking strengthened the trustworthiness of the interpretation of the participants' responses. A phenomenological approach was used for the qualitative interview with data analysis using a descriptive method. Nine themes emerged from this study: Obtaining a saving account before accessing microloans, group members serving as collateral, business social networks, business sustainability strategies, historical financial health, maintaining loan repayment deadlines, archiving business documents, use of competent guarantors, and strength and weakness analyses. The findings of the study may contribute to positive social change to create awareness among SMEs leaders in federal and state government, and individuals on how to gain access to microloans, thereby improving profitability, generating employment, reducing poverty, and enhancing standards of living among SME owners in Nigeria.

Researchers have revealed that rural African American communities, which have been adversely impacted by disasters, could minimize personal injuries and property damage by being prepared before a disaster strikes. Data from past studies have shown that social networks, such as faith-based organizations (FBOs), have been instrumental in assisting rural African American communities recover from disasters such as floods and fires. This exploratory qualitative case study addressed the research question: How a rural, FBO organized resources to build a community based, all-volunteer fire department. The conceptual framework for this study incorporated concepts from social network theory and social capital theory. Purposeful sampling was used to recruit 11 participants. Data were collected through interviews, newspapers articles, and church documents. Data were analyzed using inductive analysis and Colaizzi's method for determining emergent themes. Results revealed that community members lacked the knowledge and resources needed to build the fire department. Findings further revealed that the FBO was the hub of activities where social networks organized the social capital needed to engage, recruit, and unite members in building the fire station. The themes of determination, dedication, resilience, and persistence further revealed that community members used social networks and social capital to overcome obstacles to building the fire station. Findings from this study contributes to positive social change by providing information to human services professionals, government agencies, policy makers, and community members on how FBOs can be utilized as social networks that can leverage the social capital needed to prepare isolated, rural communities for disasters.

Diverse populations of students in public schools have led to differences in how the phrase parental involvement is understood. The problem at one local elementary preparatory school in urban Southern California was this varied understanding on what parental involvement entailed, specifically in school activities. The purpose of this study was to examine the perceptions of parents, teachers, and administrators regarding parental involvement and the influence of parental involvement on student academic progress. Bandura's theory of self-efficacy and Lee and Bowen's theory of social and cultural capital provided lenses into parental involvement and students' academic progress. A qualitative case study design was used with a purposeful sample of 5 parents, 8 teachers, and 3 administrators of 4th and 5th grade students at this preparatory elementary school. Individual interviews were transcribed and then subjected to constant comparative analysis until theoretical saturation occurred. Interpretations were then member-checked to ensure their credibility. Findings indicated all participants believed parental involvement was essential for students' academic progress, but differed in their views of the term itself. Parents believed involvement was ensuring homework completion, teachers believed parental involvement should be parent's engagement in every aspect of their child's life, and administrators believed parents were involved when they participated in school-wide committees. This project study is significant because the findings can be used by the local site leadership team to create workshops for parents, teachers, and administrators to help develop a common understanding of parental involvement and the influence parental involvement can have on student academic progress.

The September 11, 2001 terrorist attacks exposed vulnerabilities to U.S. homeland security and defense, leading U.S. officials to analyze threats to domestic and international interests. Terrorist attacks against food and water supplies (agro-terrorism), were deemed a national security threat because of the assessed fear, economic instability, and social instability that could occur following a food shortage. Research indicated a comprehensive response plan does not exist across the federal, state, and local levels of government to mitigate the public's possible responses to a perceived threat to food security and food shortages following an agro-terrorist attack. This ethnographic case study analyzed the perceived threats to food security and the possible responses to food shortages in Yuma, Arizona (the 'winter lettuce capitol of the world'). Coleman and Putnam's theories of social capital served as the theoretical framework for this study. Data were collected through semistructured interviews of nine residents and six experts from Yuma's departments of government to examine the relative atmospherics between the citizens and government officials. Findings indicated that a comprehensive plan does not exist, and perceived fears and the lack of knowledge about emergency preparedness in a society with high social capital and community resilience can still create the conditions for chaos and anomie. Recommendations include improving communication, education, and expectation management of citizens. Implications for social change include improving public awareness and individual responsibility for preparedness, as well as assisting policymakers in maintaining social capital to deter social disorganization and anomie during disasters.

This study addressed a prevalence of low achievement in science courses in an urban school district in Georgia. National leaders and educators have identified the improvement of science proficiency as critical to the future of American industry. The purpose of this study was to examine parent involvement in this school district and its contribution to the academic achievement of successful science students. Social capital theory guided this study by suggesting that students achieve best when investments are made into their academic and social development. A collective case study qualitative research design was used to interview 9 parent participants at 2 elementary schools whose children scored in the exceeds category on the Science CRCT. The research questions focused on what these parents did at home to support their children's academic achievement. Data were collected using a semi-structured interview protocol and analyzed through the categorical aggregation of transcribed interviews. Key findings revealed that the parents invested time and resources in 3 practices: communicating high expectations, supporting and developing key skills, and communicating with teachers. These findings contribute to social change at both the local and community level by creating a starting point for teachers, principals, and district leaders to reexamine the value of parent input in the educational process, and by providing data to support the revision of current parent involvement policies. Possibilities for further study building upon the findings of this study may focus on student perceptions of their parents' parenting as it relates to their science achievement.

To explore the complexities of refugee labor market integration in Sweden, the research performed a multi-level analysis of refugee labor market integration: from the perspective of civil society (meso-level) and from that of the refugee (micro-level). Sweden was ideal for this task because historically, it has been Europe’s most generous welfare state and during the height of the crisis, received the highest number of refugees of any European Member State (163,000 or 1,600 per 100,000 people). The research was guided by two primary research questions: First, how have the roles of the state and civil society adjusted over time in relation to the process of integrating refugees, especially since the founding of the first integration policy in 1975? Second, how are resources actually provided by each element of society, and accessed by the refugees themselves? Analytically, the research first performed a historical institutional breakdown, separating Sweden’s integration policy by sociopolitical and economically significant junctures: 1970-1990, 1990-2010, and 2010-present day. Subsequently, seventy first-person, semi-structured interviews were conducted with political-elites, civil society representatives, and refugees from different sending countries, who arrived no earlier than 2000. The findings suggest that while civil society is becoming more systematic in its operations, its utility remains under-utilized. Next, meeting human capital requirements (e.g., country specific and post-secondary education and training) does not guarantee employment. Instead, given the alteration of its labor market, it seems social capital may play a more significant role in determining employment outcomes for refugees. In other words, it seems difficulties in accessing employment for refugees are more attached to institutional constraints than they are human capital itself. Finally, given the visible segregation and low refugee labor market participation, the research supports the assumption that a highly accessible and comprehensive welfare state may not be the most efficient socioeconomic orientation for integrating refugees.

Women in rural western Kenya experience depression, yet few formal treatment options exist. What other options for support are available to these African women suffering from depression? How do these women navigate this “therapeutic landscape” of modern and traditional care? What is the role of social capital, including faith-based and community-based networks? I used a mixed methods case study approach to explore how women in Siaya, Kenya experience depression and navigate the therapeutic landscape – the forms of health provision as understood by the women who use them – to deal with poor mental health. I conducted in-depth interviews with women suffering from depression, members of their social networks, and key informants, ranging from clinicians and healers, to community elders, depression survivors, and community group and religious leaders. I used focus group discussions to elicit contextual information and daily mobile phone diaries to collect information on small, day-to-day health actions and social network interactions. I encountered a “treatment desert” shaped by an inadequate government health system, a deteriorating indigenous healing system degraded by Christianity and modernity, and a religious healing tradition that is considered unacceptable by most women in the study site. This therapeutic landscape is rocky and difficult to navigate and low social cohesion limits the support a woman receives from her in-laws, extended family, friends, group members, and neighbors. While churches and community groups are more reliable in times of need, financial and time barriers limit their utility for promoting mental health. Given this landscape, women’s responses to depression are predominantly inward-focused, consisting of prayer, keeping quiet, and staying busy. I suggest interventions that offer lay delivery of proven therapies and build collective social capital to address this chronic burden of poor mental health among rural African women. Ultimately, the low social cohesion seen in my study is rooted in material poverty and gender inequality, including oppressive and restrictive marriages. Efforts to build the social capital women need to tackle depression should be accompanied by attention to these structural factors that degrade social cohesion. / acase@tulane.edu

Background: While there has been a dramatic increase in the prevalence of diabetes in developing countries, such as Mexico, there is a critical need to better understand how the challenges that arise in shifting the focus from acute care to care for chronic conditions manifest at the level of patient care provision in the health care organization and community, especially in rural resource-poor communities. One step in this direction is the exploration of the potential that social capital may provide in improving our understanding of the relationships that exists among patients, health care providers and the broader community. Objectives: To examine the provision of health care for diabetes, as well as the beliefs, resources and relationships that exist among patients and families, health care teams and community partners that affect treatment for diabetes in a rural resource-poor community in Mexico. Methods: This study incorporated a qualitative action-research approach and data was collected via community asset mapping, surveys, semi-structured interviews and group discussions. Utilizing an action research model, the study procedures were iterative, whereby results from selected data collection techniques were used to inform subsequent iterations of data collection. Community resources were identified with key informant input and via community exploration, to record existing and potential diabetes-related resources. Surveys were administered to health care providers, patients and general community members. Semi-structured interviews and group discussion topics were informed by the Innovative Care for Chronic Conditions Framework as well as by prior data collection procedures such as the surveys and preceding interviews. The interviews and group discussions were conducted with health care providers, diabetic patients, and community leaders. Results: Community asset mapping revealed limited existence of health care resources available to the rural community in Mexico. Three salient themes emerged across health care providers, diabetic patients, and community leaders: (1) Cultural eating behaviors are important drivers in preventing and managing diabetes mellitus; (2) Diabetic patients are currently ill-prepared to adequately manage chronic conditions, such as chronic conditions; (3) Trust is an important facilitator and/or barrier for both patients and health care providers when searching for ways to enhance management of diabetes outside of the health care organization. Conclusion: An evidence-based understanding of the diabetes-related beliefs, current perceived performance of diabetes care provision, the availability of community resources and social capital can be used to leverage the health care in low-income communities where primary health services are limited in their availability and/or capacity. The informed construction of community-derived initiatives and interventions that integrate community resources and improve the social capital within the community can enhance the care for patients with diabetes by offering both alternative and complementary avenues of accessing care that supports long-term disease management.

Racial inequality in educational and occupational attainment has been shown to be related to racial inequality in test scores and cognitive skills. Most research and policy attention has been given to the ability of schools to equalize test scores. I argue that a major reason why researchers have been unable to explain why schools have not closed the gap is because by the time children begin school it may be too late. Cognitive skills develop from infancy and as such, it should be unsurprising that by the time children are five years old the differences across groups are firmly established. Thus, this research attempts to uncover where the racial test-score gap begins by examining infants. I perform a series of analyses using ordinary least squares regression (OLS) and structural equation modeling (SEM) using the first wave of the Early Childhood Longitudinal Survey--Birth cohort (ECLS-B). I utilize the mother's race, rather than the child's race, in the analyses because looking at the mother's race makes the most logical sense since the mother's race is more likely than the child's to determine household income, marital status, mother's education, parenting styles, and so on. I demonstrate that there is little to no raw gap in cognitive skills between the infants of White and Black mothers in the United States. However, through SEM I find that when one controls for social, human, and financial capital, and for differences in health and type of childcare, the infants of African American mothers would actually do better than the infants of White mothers because of their precocious motor development. I find no support for genetics and childcare and only limited support for financial and human capital as mediators of the gap. However, there is support for family social capital and low birth weight as key mediators of the small Black-White test score gap in infancy.

This Thesis contains three essays on the economic behavior of individuals. The first essay, co-authored with Andreas Blume and Douglas DeJong is an experimental investigation into the contribution of cognition in a strategic setting where the goal is to coordinate by choosing different courses of action. Specifically, we study whether cognitive limits affect the ability of agents to achieve dispersion outcomes and; further, how these limits affect the means by which dispersion outcomes are attained. We find that in the self-play treatment when agents are allowed to play against themselves, dispersion outcomes are relatively easy to obtain; however, when paired with others, cognitive differences increase the difficulty in achieving a dispersion outcome. When we relax the cognitive constraints, the ability of participants to achieve dispersion outcomes increases to approximately the same level as those in the self-play treatment; further, the means by which dispersion outcomes are achieved does not differ from those in the self-play treatment. In the second essay I investigate how noise impacts incentives provided by contracts that are structured with option-style payoffs. Existing theory suggest that one cannot commit to not renegotiate based on the receipt of a non-contractible signal; however, others suggest that in the presence of a noise in the non-contractible signal may not result in partners wanting to renegotiate since the initial contract may still provide incentives for subsequent periods. Using an experimental economics approach I find that players who receive a perfect non-contractible signal do not put forth high effort in a subsequent period; however, the presence of noise in the signal may result in players continuing to put forth high effort in a subsequent period. A behavioral explanation is provided for these observations. In the final essay for which this Thesis is named, I employ a field study methodology to investigate the incremental role that social capital plays in both individual lending decisions and outcomes. I find that lenders are more likely to choose borrowers who have social capital; however, social capital does not impact the interest rate that borrowers pay or the rate of default.