FOR PUBLICATION UNITED STATES COURT OF APPEALS FOR THE NINTH CIRCUIT

When you join a village bank you have to put in many hours of hard work. You also have to contribute to the cost of the books that teach you how to read and how to operate your village bank. Village bank members expect one another to be trustworthy, cooperative and open to new ideas. Village bank women do not blindly follow the old ways passed down by their mothers and grandmothers. They look honestly at the traditions and practices around them, and they are ready to change those traditions that are holding them back and adopt modern.

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