The small businessman in an undeveloped country often finds himself isolated from formal, institutional credit sources, either through ignorance or by his non-acceptability as a credit risk. Both his lack of credit and lack of education can limit his participation in national development, and in fact, such development might even work against him as it makes his competitors' easier access to these resources even more important. It was concluded that the educational level achieved by the small businessman in Santos Guardiola is roughly the sixth grade, that the lack of business and financial content in their formal education does not prevent their learning about business and finance, and that a large majority of them use credit in their business. It was further concluded that the loan officers with the four lending institutions have adequate education and training to administer the loans made, that business credit needs are generally satisfied without resort to an informal credit market, and that while the deposits and business loans are expanding for all four institutions the credit union has been able to expand most rapidly by attracting the small saver and the small borrower. In addition, it was concluded that development banks are primarily interested …

The problem of this study is that of developing a program of study of Mexican literature at the graduate level at North Texas State University. The study of literature and culture is approached by probing into the influences on the thinking of the Mexican and by using an in-depth study, rather than an "anthology" approach to teaching. The findings of the study indicate a need for an upper level course in Mexican literature at North Texas State University. Therefore, the following recommendations seem appropriate: (1) that North Texas State University initiate a course in Mexican literature which may be utilized by both students in the Department of Foreign Languages and Literatures and students in the Bilingual/Bicultural Education program; (2) that the course be made available to both graduate and upper-level students; (3) that oral communication be emphasized in the course and that student participation in the target language be maximized.