Financial strategies of marginalized urban inhabitants and potentials of microfinance in sub-Saharan Africa. focal point: (negative and positive) impacts on social capital target group: financially excluded

社会资本是非洲城市地区边缘化居民生计战略的关键问题。小额贷款对社会资本有影响(如迄今的研究所表明的)。此外，缺少社会和人力资本可能是潜在小额信贷客户的一个重要准入障碍。该项目的目的是从社会经济角度分析社会资本、获得小额信贷以及生计战略之间的复杂性。迄今为止，将小额贷款作为改善住房的战略进行了分析。此外，还在多个正式和非正式小额信贷团体中探讨了信任、同行监测和同行压力之间充满紧张气氛的领域的社会一致性(详情见报告)。项目的延长将扩大外人视角的调查结果。目标群体将是不属于任何信用群体的人(自愿或边缘化)。将追踪和约谈这些被财政排除在外的人，以分析他们对小额贷款供应的观点。在既定的研究领域中，目前已经知道正式和非正式贷款的便利条件。主要目标是查明为什么一些居民没有成为小额信贷集团的成员--尽管附近有几种小额贷款的可能性--以及社会资本如何影响这一状况。

Social capital is a pivotal issue for the livelihood strategies of marginalized inhabitants in urban areas in Africa. Microloans have an impact on social capital (as shown in the hitherto research). Additionally missing social and human capital can be a crucial access barrier for potential microfinance clients. The aim of the project is to analyse the complexity between social capital, access to microcredit as well as livelihood strategies from a socio-economic point of view. As yet microloans were analysed as strategy for improved housing. Moreover the social coherence in the tension-filled area between trust, peer monitoring and peer pressure was explored within multiple formal and informal microcredit groups (please see report for further details). The prolongation of the project shall expand the findings by outsiders' perspectives. Target group will be persons who are (voluntary or marginalized) not in any credit group. These financially excluded will be traced and interviewed, to analyse their point of view on microfinance supply. In the established research areas present facilities for formal and informal loans are already known. Main objective is to detect why some inhabitants do not become members in microfinance groups - although several possibilities for microloans are nearby - and how social capital influences this condition.