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Raiffesen Bank

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Friedrich Wilhelm Raiffeisen was a german mayor and cooperative pioneer.
He stated that there is a connection between poverty and dependency. In order to fight poverty one should fight dependency first. Based on this idea he came up with the three ‘S’ formula:
self-help, self-governance and self-responsibility and to secure the liquidity equalization between the small credit banks, in 1872 Raiffeisen created the first rural central bank at Neuwied.
(source: http://en.wikipedia.org/wiki/Friedrich_Wilhelm_Raiffeisen)

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