MCKILLOP, Donal G. <br/><br/>
The Development of credit unions and their role in tracking financial exclusion 

 - Oxford, UK :  Blackwell,  February 2007 
<br/><br/> The government has been actively encouraging the development of credit unions to help the financially excluded. However, rather than stimulating credit union development, government grants can erode the community self-help ethos on which credit unions are founded. Policies should be formulated which encourage credit union development based on a membership drawn from a cross-section of the population