LAPO’s institutional structures, procedures and services have always been influenced by the following assumptions:   Low-income people are too disadvantaged to benefit from existing credit schemes operated by government and formal financial ins...

1. LAPO Union: All members are organized into small groups of a maximum of thirty. This group is also called a union. Each group has a name, a leader, and a secretary. The leader ensures that members attend meetings. He/She represents his/her group a...