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…

This study measured the extent of reading deficiencies in the United States. The research focused on reading skills that are required to cope with everyday experiences common to the lives of most Americans. Interviews were conducted with randomly designated respondents in 100 different locations throughout the country. The national sample used is…