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 purposes of this study were to examine the problems of international students, assess the intensity of these problems, and describe relationships between the intensity of the problems and the following demographic variables: age, gender, number of years in the study of English, number of years living in the United States, grade point average at North Texas State University, major area of study at North Texas State University, and country of origin. International students pragmatically view their sojourn in the United States as an educational experience that will allow them to improve their minds and to travel. Financial concerns were expressed by the desire to work either part time or during vacation periods. As a group, international students do not exhibit concerns which debilitate their movement toward established goals. However, there are individual students who are in need of cultural refraining, communication abilities, and coping skills.

The study focused on the student service related problems of culturally distinct groups of students attending a community college. The groups selected for the study were sixty international students and sixty English as a Second Language students. The researcher administered the Michigan International Student Problem Inventory, an instrument which has been widely used to indicate foreign students' problems. Combining the use of naturalistic research methodology, the researcher utilized an indepth interview to document the problems they were facing. Patterns and trends among the problems were analyzed and reported. The results indicated that many international students experienced concerns in the area of financial aid, had difficulties with some of the immigration regulations and work restrictions, and experienced forms of racial and social discrimination. The English as a Second Language students tended to experience most difficulties in the area of English language functioning but also experienced problems related to academic functioning and making friends. The student service areas most closely related to the international students' concerns were Financial Aids, Admissions, Placement, Counseling, and English Language Services. English as a Second Language students' problems were most closely related to the areas of English Language Services, Admissions, Counseling, and Academic Advisement. Recommendations generated by …

This study used a posttest only design to determine the effects of a strategic thinking program on the Cognitive Abilities Test (CogAT, Form 4) scores of seventh graders who received direct instruction in Strategic Thinking Skills (STS) with the scores of seventh graders who did not receive direct instruction in STS. The study was conducted in a large suburban middle school in north Texas.

This historical study examines the career of George I. Sanchez, New Mexican educator, who led many political and educational battles in New Mexico and Texas to improve educational opportunities for Spanish-speaking children. Archival materials from the State Records' Center of New Mexico, the papers of Senator Bronson M. Cutting, the Rockefeller Foundation Archives, the papers of President Lyndon Baines Johnson, Sanchez's private papers, unpublished materials at the University of Texas in Austin, oral history, and published materials were used in this study. The author used oral history and archival materials to gather much of the information for this work. The author extends special thanks and appreciation to Mrs. George I. Sanchez for making Sanchez's private papers available for study. The author also wishes to thank Dr. Hector Garcia, Senator Ralph Yarborough, Judge Carlos Cadena, Tom Sutherland, Arthur Campa, J. W. Edgar, Ed Idar, Jr., John Silber, and Connie Sprague, Sanchez's daughter, for their help.

The purpose of this study was to develop a standard instrument for determining the basic elements to be contained in a state of national long-range plan for higher education and to utilize that instrument in evaluating the current planning efforts in Nigeria. In order to fulfill the purpose of the study, answers were sought to seven research questions and procedures were worked out for ten experts in higher-education planning to validate criteria statements about the major elements of a model long-range plan for higher education in a political unit. The findings of this study appear to warrant the conclusions that (1) state or national plans for higher education contain similar major elements and have certain underlying assumptions, (2) long-range planning documents can be evaluated using established criteria, (3) Nigerian planning for higher education has been somewhat systematic but lacks thoroughness, and (4) Nigerian planning for higher education can be strengthened and improved if future planning activities more closely meet established criteria of the model used in this study. Recommendations are offered which could strengthen the existing plan and aid future planning exercises in Nigeria.

This study focuses on the problems of international students as perceived by both international students and faculty in a public university. The major purposes of the study are to determine if there are significant differences in perceptions of the problems of international students between international students and faculty members, between groups of international students, and between groups of faculty members. A modification of an international student problem inventory instrument was used to collect data from 371 international students and 316 faculty members. Thirteen hypotheses were tested using frequency and percentages, analysis of variance, multivariate analysis of variance, and univariate analysis of variance, as required according to the data collected and the hypothesis being tested.

The purpose of this study was to identify and describe the purposes, plans, activities, and programs of the National Education Association that focused upon instruction. To carry out this purpose, guideline questions were developed. Answers to the questions were sought through leads obtained from a study of the volumes of Addresses and Proceedings for the years since the first NTA meeting in 1857 through the 1976 NEA Convention and editions of the NEA Handbook from the first in 1945 through the 1976 edition. Findings were presented in a six-chapter historical-descriptive narrative. Although interest in instruction is not an exclusive concern held only by professional associations, the findings of this study do suggest that instruction has been a fortunate focus for the NEA in two respects. First, the times of NEA's more obvious emphasis on instruction have been relatively free of criticism of Association activity. Secondly, emphasis on instruction has emerged as a thread to unify the National Education Association with diverse organizations and with classic human institutions--the home, the church, the school, and governmental agencies--throughout the world.

The purpose of this study was to compare student scores on geographic skills in the experimental group with student scores on geographic skills in the control group after adjustment was made in teaching methods and learning materials for verbal and spatial ability for students in the experimental group. Hypotheses tested at the .05 level were as follows. 1. Females would score higher than males on a criterion measure of verbal ability. 2. Males would score higher than females on a criterion measure of spatial ability. 3. Experimental/verbal students would score higher on a geography skills posttest. 4. Experimental/spatial students would score higher on a geography skills posttest. 5. The experimental group would score higher than the control group on a geography skills posttest. The sample was 150 high school United States History students in a medium-sized North Texas school district. Analysis of covariance was used to analyze results of the study of six classes after fifteen days of instruction in physical geography concepts. Experimental classes received geographic instruction directed to verbal and spatial abilities; control group classes received traditional geographic instruction which utilized textbook, lecture, and whole-group instruction. Three high schools participated in the study. Conclusions were that males and …

The American junior colleges of today are historical accidents, some having begun originally with elementary and secondary divisions or as adjuncts of local high schools. Wesley College in Greenville, Texas, began on a two acre campus as North Texas University Training School in Terrell, Texas, in 1905. Chartered by the North Texas Conference of the Methodist Episcopal Church, South, the school initially provided elementary and high school and two years of college. At this time the name was changed to Wesley College, but the school closed in the spring of 1911. It reopened on a twenty acre campus in the fall of 1912 in Greenville, Texas, and maintained a close relationship with that city until mounting financial problems forced closure in 1938. Many records of the school were transferred to Southern Methodist University at Dallas, and in 1939, Wesley College alumni were invited to become associate members of the S.M.U. Ex-Students Association. Many associated with Wesley College continue to meet annually in Greenville to keep alive their memories of the once prestigious college. This study employs primary and secondary documentary data, as well as interviews with fifty-six individuals, to provide a chronological descriptive history of the origin, growth, development, and …