The History of a P.A.M.

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This book documents the History of a successful Poverty Alleviating Mechanism (P.A.M.) from its genesis to its glory years. The book documents different struggles faced by a Co-operative Society over time; and the various mechanisms and mentalities used to overcome various obstacles. This Credit Union Reader gives sound testimony to the EFFICACY of the vital factors that are inherent in P.A.M’ Co-operation, Collective Saving, Perseverance, Thrift, Creativity, Discipline, Kindness, Charity, Wisdom, Love, & Humanity.