Independent thesis Basic level (degree of Bachelor), 15 credits / 22,5 HE credits
Purpose - The purpose of this research was to explain the practices that govern or
influence the relationship between moneylender ALMI and newcomers (refugees or
immigrants) seeking entrepreneurial ventures1.
Design/methodology/approach - This is a descriptive, qualitative research study that
entails an inductive reasoning approach and an interpretivism philosophy
(epistemological stance). A cross-sectional research design was adopted that entails the
grounded theory as a data analysis tool. Data will be collected through semi-structured
Trustworthiness - This study adopts the grounded theory approach and includes the
reiterative approach within its research procedures. The researchers will have to go
back and forth along the research steps to validate data, thus, render it as reliable as
Research limitations/implications – The concluded thesis should be able to generate a
conceptual framework that will guide and examine the hypothesis (testing). The
framework should include all related variables to the observed phenomena: the perceived
predicaments that newcomers face when starting an entrepreneurial venture in Smålland,
Practical implications – Results are grounded in data, however recommendations may
touch upon future credit criteria issues such as language capabilities, integration period
and maybe others. The study provides local moneylenders with suggestions for deeper
understanding of the new emerging category of newcomers that may be worth focusing
Results – This study concludes that both sides, moneylenders and newcomer
entrepreneurs should take steps in order to approach more effectively one another.
Moneylenders , on the one hand, should create a more ‘friendly’ ,to newcomers,
environment by publishing leaflets in English or better in more languages besides
Swedish and even better create a universal –language website. On the other hand,
newcomers should adjust and follow the policy of learning the language or attending SFI
classes since this will help them entering the market in a more efficient way.
2014. , 69 p.