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Alexis de Tocqueville in his book Democracy in America in 1830 made the observation that the strength of American democracy lay in its spirited voluntary associations and emphasis on community. He declared however, that democracy and its manifestation of individualism, while a virtue, could become a vice when taken to extremes, especially in the form of hyper individualism. Putnam, a contemporary scholar, in his book Bowling Alone (2000), reveals that America has reached the vicious stage of its democracy where people are so preoccupied with their own concerns and successes that they have shut out of their consciences and consciousnesses the concerns of others in a society. Individuals' preoccupation with financial and human capital accumulation has led to the corrosion of social capital – the connections and cooperation among people, and the norms of reciprocity and trustworthiness - considered by many social scientists as the raw material of society, and as vital as language, for a humane society (Cox, 1995; Putnam, 2000).

Education in Praxis: The Case Of Stetson University's Microcredit Initiatives