00442pab a2200145 454500008004000000100002300040245010100063260000900164300001500173362000800188650001100196700002000207700002200227773004700249180718b2002   xxu||||| |||| 00| 0 eng d  aSibbald, Alexander  aAn examination of key factors of influence in the development process of credit union industries  c2002  ap.399-428.  aSep  aCredit  aMckillop, Donal  aFerguson, Charles  aAnnals of Public and Cooperative Economics