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Perceptions Of The Value Of Financial Education In African American Creditworthiness, Melvin Thomas Miller
Perceptions Of The Value Of Financial Education In African American Creditworthiness, Melvin Thomas Miller
Walden Dissertations and Doctoral Studies
Research suggests a disparity for African Americans within the banking system, as they are denied credit at a higher rate than other ethnic groups. The purpose of this phenomenological study was to explore the perceptions of African Americans financial training in regards to qualifying for consumer loans. The conceptual framework was based on seminal theories on credit risk assessment and critical race theory. The research questions were designed to address banking officials' perceptions of financial training and the effectiveness of training in improving African Americans' credit. A phenomenological design was employed with the purposeful sample of 9 banking officials within …
Successful Strategies Used By Small Business Owners For Company Sustainability, Robert Oppong
Successful Strategies Used By Small Business Owners For Company Sustainability, Robert Oppong
Walden Dissertations and Doctoral Studies
According to the U.S. Small Business Administration, African Americans are the fastest growing entrepreneurial minority group in the United States. However, they suffer the highest business failure rates. The research design for this study was a multiple case study to explore the strategies small business owners used to succeed in business beyond 5 years. The conceptual framework for this study was the systems theory. The population was small business owners in the Dallas-Fort Worth metropolis, Texas. Data collection sources included semistructured interviews, company documents, company websites, and site visit observations. The data analysis process included data cleaning, uploading transcribed interviews …
African American Graduates' Experiences Of Managing College Debt, Christal Blalock
African American Graduates' Experiences Of Managing College Debt, Christal Blalock
Walden Dissertations and Doctoral Studies
Higher education is a means to improve professional status and economic mobility; however, mounting college debt has become a hindrance to college graduates, primarily African Americans. A disproportionate number of these graduates incur significant debt while attending college. The purpose of this descriptive phenomenological study was to understand the lived experiences of African American college graduates who were managing debt incurred to pay for their education. Human capital theory and critical race theory provided the conceptual framework. Two research questions motivated this study: How do African American college graduates living in the state of Georgia manage their college debt? What …