This thesis seeks to investigate the possibilities of joint liability lending in the United States and if there is the necessary social capital to support a successful group lending structure. Since joint liability lending has enjoyed great success in foreign countries, I thought it was important to look into the positive effect that joint liability lending could have on the unbanked population in the U.S. I developed a questionnaire regarding joint liability lending's potential in the United States and sent it to six of the most highly regarded microfinance institutions in the U.S. Though I anticipated that joint liability lending would be successful in the United States, as it was abroad, the input I received from the microfinance institutions in my sample indicated that the U.S. would not be able to support joint liability lending. These institutions saw lack of social capital as the main reason that group lending would not be successful in the United States.