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（如目前的研究所示）。此外，缺少社会和人力资本可能是潜在小额信贷客户获得贷款的一个重要障碍。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，小额贷款被分析为改善住房的战略。此外，在多个正式和非正式小额信贷群体中，探讨了信任、同伴监督和同伴压力之间充满紧张的领域的社会一致性（详情请参阅报告）。项目的延长将扩大外部视角的发现。目标群体将是不属于任何信贷群体的人（自愿或边缘化）。我们将追踪和采访这些在经济上被排除在外的人，分析他们对小额信贷供应的看法。在已建立的研究领域，现有的正式和非正式贷款设施已经为人所知。主要目标是查明为什么有些居民没有成为小额信贷小组的成员——尽管小额贷款的几种可能性就在附近——以及社会资本如何影响这种情况。

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.