The History of a P.A.M.

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's.: Co-operation, Collective Saving, Perseverance, Thrift, Creativity, Discipline, Kindness, Charity, Wisdom, Love, & Humanity.