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Werner R., A (2009) Can Credit Unions Create Credit? An Analy%cal Evalua%on of a Poten%al Obstacle to the<br />

Growth of Credit Unions, Discussion Paper Series, No 2/09, Centre for Banking, Finance and Sustainable<br />

Development, <strong>Southampton</strong> University<br />

Wilkinson, R., and PickeO, K, (2009) The Spirit Level: Why more equal socie%es almost always do beaer, Allen<br />

Lane: London<br />

39

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