Most microcredit institutions focus on giving out credit to their clients with the assumption that these clients have the capacity and ability to manage the credit efficiently and the human capital to operate efficiently. There is evidence to show that most women in the Savelugu/Nanton district of Ghana have access to credit but lack the…

The paper presents the results of a qualitative study into the lives of people with inadequate functional literacy skills. The data were collected through a biographical interview with a respondent whose characteristics correspond to those of a hypothetical person likely to exhibit signs of low functional literacy. The characteristics, such as…

Illiteracy is seen to be a feature of the Australian prisoner population. This belief has remained largely untested. A study compared the literacy abilities of prisoners to those found in the adult general population. Additionally, the study compared male and female prisoner literacy abilities. Assessments were made on a profile of literacy…