For example, one could not imagine a rotating-credit association operating successfully in urban areas marked by a high degree of social disorganization-or, in other words, by a lack of social capital.

DEFINE: This illustrates how social capital is defined operationally as the cohesion that makes informal institutions like credit associations viable. Builds on: "Rotating-credit associations thrive on interpersonal trust and held obligations."

Coleman, SocialCapitalCreation-1988, loc. 89