The Author has decided to remain behind the shadows, believing that the content of this blog should speak for itself, and that the readers should not be distracted by the identity of the Author.
Suffice it to say, for the moment, that the Author is a cooperative educator accredited by the Asian Confederation of Credit Unions; with 25 years hands on experience with policy making and direction of community type credit cooperative, particularly in the capacity as member of its Board of Directors.
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