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Instructor's Guide

Two Approaches to Solving Community Concerns:


Problem-Solving vs. Appreciative Inquiry

Capacity Inventory of Individuals

Community Participation and Leadership Inventory

Inventory of Local Institutions Worksheet

Group Skills of Volunteer Organization Members

PowerPoint Presentation

Asset Mapping Database

Lionel J. Beaulieu, Southern Rural Development Center


Mapping the
Assets of Your
Community:
A Key component
for Building Local
Capacity

Lionel J. Beaulieu, Southern Rural Development Center

Introduction That’s not to suggest that communities


should try to sweep all their problems under
In many communities across the country, it
the rug. What it does indicate is the best way
is not uncommon for local leaders and citi-
to effectively address the challenges that face
zens to assemble together to try to make their
communities is to have a good knowledge of
community an even better place in which to
the resources available to work on local issues.
live. Unfortunately, the beginning point for
these discussions usually is focused on the var- So, an important beginning point involves
ious problems and concerns existing in the mapping the assets of the community — the
community. In some cases, these community skills and talents of local residents, as well as
groups seek the advice of friends and neigh- the capabilities available or possible through
bors as to what they feel are the major prob- local organizations and institutions. Collect-
lems. In other instances, elaborate community- ively, these resources offer the wherewithal to
wide surveys are conducted of local residents address the host of important issues impacting
seeking their input on various topics. the community.
In the end, what is produced is a laundry In this brief article, a procedure for mapping
list of all the problems being experienced by the assets of a community is described. The
residents of these communities. The list might approach is one that has been developed by
include concerns with the local school system, John P. Kretzmann and John L. McKnight in
the lack of health services, transportation their book, Building Communities From the
problems, inadequate child care services, limit- Inside Out: A Path Toward Finding and
ed availability of jobs that pay a decent wage, Mobilizing a Community’s Assets [4]. It is a
or the lack of good recreation programs for process that can be used in any community,
children. No matter what community you are and offers an effective strategy for involving a
talking about, or how big or small the com- variety of people and organizations in helping
munity might be in terms of population, com- bring about improvements in a communities.
munity groups that begin taking a hard look While this document embraces many of the
at their community by first documenting all key concepts advanced in the Kretzmann and
of its “problems,” are already starting things McKnight volume, we seek to extend their
off on the wrong foot. work in two important ways. First, we offer a

Asset Mapping 2
creative strategy for Most communities
uncovering the pool In its simplest form, what needs have finite resources
of individuals who assessment does is provide a — be they human,
have the ingredients formal tool for identifying local physical, or finan-
for taking on greater needs, placing needs in order of cial — and as such,
community leader- priority importance, and communities must
ship responsibilities. targeting resources to help take a hard look at
Second, we discuss what problems exist
resolve local problems deemed
the role that com- in their community.
munity asset map- to be of critical importance to the In its simplest form,
ping can play in welfare of the community. what needs assess-
promoting the type ment does is pro-
of community development that is concerned vide a formal tool for identifying local needs,
with engaging local people in community placing needs in order of priority, and targeting
enhancement efforts. resources to help resolve local problems
Before moving into a more in-depth treat- deemed to be of critical importance to the wel-
ment of asset mapping, we wish to offer an fare of the community.
overview of the needs assessment process. We One of the unfortunate by-products of start-
describe this approach and contrast its key fea- ing a community development initiative with
tures with those associated with community the use of a needs assessment tool is that it
asset mapping. While brief, our discussion is transmits to local people the impression their
intended to illustrate that local ownership of community has many shortcomings. This
the needs assessment effort is less likely to should not be surprising in light of how
occur if not preceded with a sound communi- “needs” are defined. The commonly accepted
ty asset mapping activity. definition of a “need” is that it represents a
gap or discrepancy between an existing state of
Major Features of the affairs (the what is) and a desired or preferred
Needs Assessment and result (the what should be) [1]. Just imagine
how communities feel when at the end of
Asset Mapping Approaches their needs assessment project, they find them-
It was not that many years ago that most selves confronted with a laundry list of all the
people involved in community development things that are wrong with their local areas.
activities felt that one of the critical first steps Rather, it suggests that community develop-
in carrying out any community improvement ment should begin with a systematic assess-
efforts was to uncover the set of problems or ment of the assets that exist in the communi-
concerns existing in a community. In many ty. There are three major arenas that serve as
respects, this appeared to be a logical step. focal point for uncovering community assets:

What Should
A What Is? B
Be?

A Need
“Gap Between A & B”

Asset Mapping 3
for uncovering community assets: Table 1: Contrasting the “Needs” vs. “Assets” Approach
residents, formal institutions, and to Community Enhancement.
informal organizations located
within the community. Needs Assets
Once we know the full breadth Focuses on deficiencies Focuses on effectiveness
of people, organizational, and
institutional resources that exist in Results in fragmentation of Builds interdependencies
responses to local needs
a community, we can then move
in the direction of undertaking a Makes people consumers of Identifies ways that people
needs assessment. Thus, as priori- services; builds dependence can give of their talents
ty “needs” are uncovered, we have Residents have little voice
excellent information about the in deciding how to address Seeks to empower people
rich pool of people and groups local concerns
who have the type of skills and Sources: Kretzmann and McKnight [4] and Fiscus and Flora [2].
interests needed to tackle these
difficult issues. Unless all the people and organizations who
Table 1 briefly describes the distinguishing are involved in these various sectors of the
features of a community development pro- community are working together, it is quite
cess that begins with “needs” versus “assets.” possible that one sector could embrace strate-
As noted earlier, when “needs assessment” is gies that will have negative impacts on the
employed as the first strategy for determining other sectors. Third, local agencies charged
which issues communities should be working with the responsibility of addressing these
on, a long list of local deficiencies are typically issues generally respond by establishing new
uncovered. Because the number of concerns are programs or policies. As such, the people
so voluminous, it is not uncommon for these being targeted with these programs or policies
concerns to be simply passed on to those insti- end up being “consumers” of such activities.
tutions typically responsible for addressing such In essence, they become dependent on those
problems. So, education issues are given to the organizations and agencies that have imple-
school board, social services to the human ser- mented services to address certain local needs.
vices agencies, economic development concerns Finally, the needs approach often denies com-
to the chamber of commerce or economic munity residents an opportunity to have a
development authority, land use issues to local voice in determining how local concerns can
government officials, and safety concerns to best be addressed.
law enforcement agencies. In comparison, asset mapping begins with
This type of divvying up of local problems the philosophy that all local residents, regard-
has some serious shortcomings. For one, it less of age, gender, race, ethnic background,
tends to result in a fragmentation in response place of residence, or other characteristics, can
to local concerns given that only a limited play an effective role in addressing important
number of people and organizations are local matters. Local people and organizations
involved in addressing local needs. Second, are encouraged to explore how problems
it does not allow local people and groups to might be interrelated, and to respond to these
explore links that might exist among these issues in a coordinated, collaborative fashion.
concerns. For example, successful economic Furthermore, they are asked to give of their
development activities often are dependent time and talents in implementing the strategies
upon the availability of a skilled and educated they have had a voice in devising. Through
work force, as well as the availability of good it all, local people and groups feel a sense of
community services. empowerment because they have been part of

Asset Mapping 
Defining Community efforts begin by developing an understand-
Development ing of what exists in the community right
now — the abilities of local residents, asso-
We hear a good deal about community ciations, and institutions. It does not begin
development. But not everyone has the same by focusing on what is wrong with the
view of what community development means. community or what may be missing.
Some believe it refers to “development IN the
community,” while others view it as “develop- Internally Focused: Strategic planning or
ment OF the community.” Believe it or not, priority setting focuses on assets found
there is a big difference between the words within the community and does not rely
“IN” and “OF” when speaking of community upon the advice of outside experts or con-
development. Development “IN” the commu- sultants.
nity suggests the major interest is on attracting
new businesses, new facilities or new services Relationship Driven: Local people, infor-
to the community. It represents efforts to do mal organizations and institutions work
all that can be done to add to the physical, hard to connect with one another in order
service and economic infrastructure of a com- to be sure they are working as a team, and
munity. This is sometimes referred to as the not against one another. This means that
“bricks and mortar” approach to community good communication is essential.
development.
Development “OF” the community, howev- It Begins With Individuals
er, does not have the physical, service and eco-
nomic infrastructure as its major focus, at least Using “asset mapping” as a technique is
not at first. Rather, it seeks to uncover and most likely to be successful if the individuals,
expand the knowledge and skills of people in organizations, and communities using this pro-
the community. The belief is that community- cedure truly believe that every community —
wide improvements (be they physical, service no matter how small, or how poor — has a
or economic infrastructure) cannot be fully rich pool of assets. Successfully locating the
talents of individuals requires a genuine belief
realized unless people representing all parts of
in the following principles:
the community are involved in deciding the
future of their community. So, the emphasis is
• Every person has talents, skills, and gifts
on finding the talents that exist in the com-
important to a community.
munity and locating people with the potential
to be community leaders [5]. Building on the • Each time individuals use these abilities,
skills that people already have serves as the the community in which they live is
best foundation for dealing with the variety of strengthened and these people feel a
concerns that exist in the community. As sense of empowerment.
such, asset mapping represents an essential • Strong communities are places where
step in promoting the development “OF” the the capacities of local individuals are
community. identified, valued, and used.
According to Kretzmann and McKnight,
community development activities that are • The development “OF” the community
based on asset mapping share three important is built upon the talents and resources
characteristics: of its members.
Inventorying the individual assets of a com-
Asset-based: Community development munity involves the use of a tool called the

Asset Mapping 5
Capacity Inventory of Individuals (Capacity Tapping the Talents of
Inventory). The Capacity Inventory consists of Emerging Leaders
four important parts:
In every community, there is an existing
• Skills Information cadre of individuals who perform leadership
roles, either in visible ways or behind the
• Community Skills scenes, within the community. These persons
• Enterprising Interests and Experience may occupy formal positions of authority in
the community, such as local government or
• Personal Information
political leaders. Others may be employed in
Each of these components are described important positions within the business, indus-
more fully in Table 2. The Capacity Inventory trial or financial sectors of the community. All
represents an effective strategy for uncovering in all, these individuals have access to impor-
the variety of talents in the community. It is tant resources that can be mobilized to influ-
essential that this valuable pool of information ence the outcome of many local issues of
be acted upon. To do so, a well-developed importance to the welfare of the community.
plan for translating this information into However, there are a number of people who
action is important. Have a good feel for why have not taken on community leadership roles,
this information is being collected, how it is but who have the ingredients that make them
going to be used, what timetable you will be ideal candidates to be engaged in leadership
following to match the skills of local people activities. All it takes is an opportunity to exer-
with improvement activities of the community. cise these talents. These individuals often have
A detailed Capacity Inventory form, that can had modest involvement in community-related
be administered to community or neighbor- activities. These experiences, however limited
hood residents, is provided. in their nature, provide the building blocks for
expanding leadership in the community.

Table 2: Components of Capacity Inventory of Individuals

Part I. Skills Information Part II. Community Skills


• Lists all the skills that the person has learned at • Identify the different types of community work
home, at school, in the community, or at their in which the person has participated.
place or work. • Identify the type of community work the person
• Identify the “priority skills” the individual feels would be will to take part in at some time in the
he/she possesses (the things they feel they are future.
best at).

Part III. Enterprising Interests Part IV. Personal Information


and Experience • Collect just a few person information items about
• Gather information on whether the person has the individual in order to be able to follow-up
ever considered starting a business and whether with him/her at the appropriate time.This would
the individual is currently involved in running a include name, address, and telephone number.
business of any type.
• Document what barriers are preventing the per-
son from starting his/her own business; or, if they
already operate their own business, what could
help the person make his/her business even
stronger.

Asset Mapping 6
How might we uncover those individuals local leadership that seeks to include, rather
who represent prime candidates as “emerging” than exclude, local people in important com-
leaders in your locality? Certainly, the Capacity munity decision-making activities.
Inventory serves as a good beginning point for
carrying out such an assessment (see the sec- Local Institutions Can Help
tion that explores the “Community Skills” of Build Community Capacity
individuals). However, if you wish to conduct a
There are certain activities that take place
more extensive assessment of individuals who
which are intended to meet the basic needs of
may have the seeds of leadership in a commu-
our society. For example, the family plays a
nity, we have prepared a new document titled,
critical role in nurturing, protecting and rais-
Community Participation and Leadership ing their young. Every society finds a way to
Inventory. This questionnaire delves more meet the social needs of its people. This also
deeply into the type of community-relevant happens to be true for many communities.
activities that individuals may have been When the strategies for meeting the needs of a
engaged in over the course of the past few community become formal, and expectations
years. The inventory explores local residents’ develop as to who is responsible for carrying
involvement in the following activities: out certain activities, or how people are
expected to behave, then we have the makings
• Political or Governmental Efforts of an institution. Institutions represent pat-
• Community, Civic and Service terned activities that are designed to meet
Organizations important social needs of local residents.
Carrying out these important functions is
• Religious Organizations
essential if communities are to continue exist-
• Social and Recreational Activities ing over time. They may be provided by pub-
• Patriotic and Fraternal Groups lic, private or nonprofit entities.
One of the best ways to remember what
• Education and Youth Organizations major institutions exist in your community is
Active involvement in one or more of the to think of the word KEEPRA. Each letter rep-
organizations highlighted in this inventory, or resents an institution commonly found in
working on specific issues of importance to most communities. They are as follows:
the neighborhood or community, constitute
the very seeds of leadership. As John Gardner • Kinship (Family): The family carries out
[3] notes, “tomorrow’s leaders will likely have a number of important activities, such as
begun their work by being involved in more the care and socialization of the young,
specialized types of activities in the communi- providing food, housing, and nurturing
ty.” The Community Participation and for family members, and the biological
Leadership Inventory is designed to help local reproduction of the human race.
areas uncover the leadership potential of local • Economic: This involves the produc-
residents, including the leadership talents of tion, distribution, and consumption of
those individuals who have been historically goods and services in a community. The
left out of decision-making activities within community’s economic system influ-
the local community. The key is to make sure ences the kind of work is available,
that these individuals are offered the opportu- where jobs are located, how much peo-
nity to further advance their leadership skills ple earn, the quality of the work envi-
and to be part of a broader, more diversified ronment, the prospects for future jobs,

Asset Mapping 7
Figure 1: The Community’s Major Institutions

Kinship Economic

Education Political

Religious Associations

Asset Mapping 8
and the level of unemployment and Communities vary in terms of the availabili-
underemployment in the area. ty and strength of their institutions. For exam-
• Education: The major function of edu- ple, large communities have many schools and
cation is to prepare youth to be success- churches and a good number of full-time paid
ful, contributing members of society professionals working for the local govern-
upon reaching adulthood. This includes ment. In rural areas, however, one might find
preparing them for the world of work, only one high school, a few churches, and a
but also passing on local government managed by officials who
to them knowledge, are paid little or no salary.
values, beliefs, and Informal organizations
can be key players in • Link the assets of
accepted ways of
individuals with the inter-
behaving (what we helping promote the
ests and capabilities of local
often call “norms”) betterment of any institutions. For example,
that we believe community or individuals who are interest-
young members of neighborhood. ed in establishing a micro-
our community
loan program to support
should learn.
the creation of home-based
• Political (Government): The political businesses could link up with a local financial
(or governmental) institution is the arena institution and the community chamber of
in which power and authority is acquired commerce, two groups who may have indicat-
and exercised. Its major functions ed an interest in exploring innovative strategies
include: (1) protecting the life, liberty for stimulating local economic development
and property of local residents (such as activities.
enforcing laws and providing police pro-
• Actively work to build links between
tection); (2) regulating conflict, including
local institutions with interests and capabilities
developing procedures and practices for
that complement one another. These types of
resolving disputes; and (3) planning,
mutually beneficial relationships are what lies
coordinating, and providing public facili-
at the center of asset-based development.
ties and services to local residents.
• Build ties between local institutions and
• Religious: The religious institution
resources existing outside the community. This
plays an important role in attending to
involves making use of links that local institu-
the spiritual needs of local citizens. In
tions have with larger systems — links that can
addition, it serves as an important
provide financial, human, or physical resources
source of support for certain moral val-
to the community. For example, a local bank
ues, norms, and customs. It also pro-
that is part of a larger state or regional bank-
vides residents with personal support in
ing system has access to a large pool of finan-
time of need.
cial capital outside the local area, which can
• Associations: Associations refer to the be re-directed to support community improve-
civic, service, social, fraternal, and other ment activities.
voluntary organizations available for peo-
ple to participate in local activities. They
Informal Organizations:
operate with formal constitutional rules
and by-laws, and operate with a team of Another Vital Link
officers and/or a board of directors. The third dimension of the asset mapping

Asset Mapping 9
process involves carrying out an inventory of inventory of local informal organizations can
the various informal organizations found in a be undertaken:
community. Such informal groups tend to
Step 1: EXAMINE PRINTED MATERIALS
involve people who share a common interest,
such as hunting, youth sports leagues, bowl- The following sources can prove invaluable
ing, crime prevention, religious, or political in identifying some of the informal groups
interests. These groups, while successful in existing in a community:
using the skills and talents of many individu-
als, are quite informal in their structure. Thus, • Newspapers and local magazines that
they have no constitution or by-laws, have no might highlight the work of local infor-
formal slate of officers/board of directors or mal organizations
members, and tend to gather only when the • Community directories that list both
need arises. One example of an informal formal and informal service organiza-
organization is the neighborhood crime pre- tions in the community
vention group that meets on an “as needed”
basis to discuss ways to reduce crime in their Step 2: CONTACT LOCAL FORMAL
neighborhoods. INSTITUTIONS
Informal organizations can be key players in
helping promote the betterment of any com- Many of the more formal organizations may
munity or neighborhood. In many respects, be aware of informal groups that have been
this is because many local people tend to con- organized in a community or neighborhood.
tribute their talents to local activities that are It is not unusual for such groups to use the
sponsored by such informal groups. It is following institutions as a gathering place for
through these informal entities that local resi- their meetings.
dents tend to feel empowered.
Examples of informal organizations likely to • Libraries
be found in most communities include: • Parks and Recreational Facilities
• Church Groups: prayer groups, steward- • Churches
ship committee, youth group, service • Schools
group
• Community Celebrations Committees: Step 3: CONTACT LOCAL INDIVIDUALS
Annual Fair Committee, Arts and Crafts If time and resources are available, try sur-
Festival Committee, July 4th Parade veying a sample of people living in various
Committee community neighborhoods. Ask those being
• Neighborhood Groups: crime watch, surveyed to what groups they belong.
homeowner’s association Questions to pose to these individuals include:
• Sports Leagues: bowling, basketball, • Can you name any organizations that
baseball, fishing, hunting clubs you have participated in or have heard
about? Does it meet in your community
Doing An Inventory of or neighborhood?
Local Informal • Is there a local community or neighbor-
Organizations hood improvement organization in your
There are at least three ways in which an area?

Asset Mapping 10
• Is there any church or religious organi- individuals, associations, and institutions be car-
zation that you are involved in? If yes, ried out on an ongoing basis. Use the following
do they have different clubs or groups list as a check of whether the full scope of the
of which you are aware? community’s assets have been considered:
• Do you get together in an informal way Have we done an inventory of:
with your neighbors to address common
_____ The talents of local residents (includ-
issues of concern?
ing new people who have moved to the com-
• How else do you feel a part of the com- munity)?
munity? How else do you get involved
in your neighborhood? _____ The “emerging leaders” that can be
As the list of informal organizations begins found in the community?
to take shape, it is important to collect infor-
mation on the goals and activities of these _____ Local institutions, including their
organizations. This offers a community a physical, human, and financial assets?
wealth of data on the capabilities that already
exist among groups in the community. But _____ Informal community and neighbor-
remember, many of these groups — if asked — hood organizations?
are likely to be willing to do more in support
of their community or its neighborhoods. So, _____ Existing community leaders who are
the list can also serve as a beginning point in committed to using the gifts and talents of
mobilizing various informal groups that can local people, institutions and informal organi-
work together to promote the long-term well- zations to build a stronger, more vibrant com-
being of the community. munity?
Step 2: BUILD RELATIONSHIPS AND
Applying the Asset Mapping BROADEN THE LOCAL LEADERSHIP
Model: Community Economic
The community becomes stronger and more
Development as an Example self-reliant every time residents, institutions,
In most rural areas, a major task is to create and informal groups are linked together in
jobs that can offer local residents a chance to solving local problems or concerns. Part of this
earn a decent living and to be positive, produc- process involves expanding the opportunities
tive contributors to the community. Kretzmann for emerging leaders to have an active voice in
and McKnight demonstrate how an effective giving shape to long-term economic develop-
economic development plan for a community ment strategies for the community — strategies
can be shaped using the community asset map- that best reflect the talents, skills, and possibili-
ping model. The strategy involves mobilizing ties of people, institutions, and informal
the assets of the entire community around an groups that are an integral part of that locality.
economic development vision and a plan. It
Step 3: MOBILIZE FOR ECONOMIC
entails five important steps:
DEVELOPMENT
Step 1: MAP THE ASSETS
In many rural communities, an important
The beginning point involves an effort to economic strategy involves building upon what
map the community’s assets. Once begun, it is currently exists in a community. This involves
important the process of locating and making locating and mobilizing the skills of individu-
inventories of the gifts, talents, and abilities of als that can be used for economic develop-

Asset Mapping 11
ment purposes, as well as looking at the role ty, then it is appropriate to locate outside
informal organizations and institutions can resources. If a community does not have local
play in promoting economic growth. For partnerships firmly established, it runs the risk
example, are there new markets for products of having outside resources dictate how things
that can be developed simply by connecting should be done in the community. Strong and
existing institutions together? Are there goods active local partnerships provide the mecha-
and services the community might be able to nism to ensure outside resources are used to
export to other areas? Are there goods and support priorities, strategies, and action plans
services that the community now imports that the community itself has endorsed, and not
could be produced locally? what some outside individuals or institutions
Step 4: CONVENE THE COMMUNITY have determined is best for the community.
AND DEVELOP A VISION FOR THE
FUTURE Conclusion
Having a shared vision and plan is critical to Asset mapping serves as an effective tool for
the process of strengthening communities. All understanding the wealth of talent and
members of the community need a voice in resources that exists in each community —
deciding what they value most in their com- even those with small populations or suffering
munity, and what direction they would like to from poverty and economic distress. The long-
have the community take in the next 5-10 term development of a community rests on its
years and beyond. This dialogue is essential if ability to uncover and build on the strengths
the community is to move forward. This and assets of its people, institutions, and infor-
requires active discussions, debates, and dis- mal organizations. Included are creative strate-
agreements. In the end, however, the commu- gies to identify and tap the wealth of leader-
nity must have a shared understanding of ship potential available in every community.
which priority issues it needs to deal with However, to be truly effective, asset mapping
right now, and which problems might be bet- must take the essential step of linking these
ter handled in the future. Once immediate various talents and resources together. In isola-
issues are decided, getting the broadest array tion, these assets are likely to realize (at best)
of people, institutions, and informal groups only modest advancements in the well-being of
involved as a team helps to further build the local people and their communities. Integra-
capacity of the community to improve the tion of these assets, however, provides the
well-being of its members. foundation for genuine improvements in the
welfare of these people and their localities. In
Step 5: LEVERAGE OUTSIDE many respects, it truly reflects a commitment
RESOURCES TO SUPPORT LOCAL to make development “OF” the community a
PRIORITY ACTIVITIES centerpiece of local community improvement
When communities have succeeded in map- activities — one in which local talents and
ping their local assets, and taken steps to link skills are unleashed, treasured, and nurtured
the assets of the community together in order over time.
to address the priority needs of the communi-

Asset Mapping 12
References
1. Beaulieu, Lionel J. 1995. Needs Assessment: A Framework for Identifying Community Needs.
University of Florida Cooperative Extension Service, Institute of Food and Agricultural Sciences,
Circular CD26, April.
2. Fiscus, Carolyn and Cornelia Butler Flora. No date. Mapping Spiritual and Cultural Assets for
Native American Students. North Central Regional Center for Rural Development, Iowa State
Univeristy; www.ncrcrd.iastate.edu/nativeamerican/index.htm.
3. Gardner, John W. 1984. “The antileadership vaccine.” Pp. 318-25 in William E. Rosenbach and
Robert L. Taylor (eds.), Contemporary Issues in Leadership. Boulder, CO: Westview Press.
4. Kretzmann, John P. and John L. McKnight. 1993. Building Communities from the Inside Out:
A Path Toward Finding and Mobilizing a Community’s Assets. Chicago, IL: ACTA Publications.
5. Summers, Gene F. 1986. “Rural community development.” Annual Review of Sociology,
12:341-71.

Asset Mapping 13
Box 9656
410 Bost Extension
Mississippi State, MS 39762
Ph: (662) 325-3207
Fax: (662) 325-8915
Http://srdc.msstate.edu

SRDC Publication: 227

The Southern Rural Development Center does not discriminate on the basis of race, color, religion, national origin,
sex, age, disability or veteran status. 6/02

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