“…The literature also reveals that this population has low service utilization rates. These low rates have been attributed to cultural insensitivity among service providers in understanding their values and life-styles, lack of knowledge and experience in using services, and reluctance to receive assistance outside of the family (Thrasher and Anderson, 1988;McNicol, 1993;Sowell-Coker et al, 1985;Mathews, 1994;Smith and Mason, 1995).…”