Peruvian Andean Ayni Ethics in Modern Cooperative Banking

秘鲁安第斯‘阿伊尼’伦理在现代合作银行中的实践

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Ayni—the Andean principle of reciprocal labor exchange—is codified into loan approval criteria at Caja Huancayo, a Peruvian cooperative bank serving 12,000 rural clients.
Applicants submit not credit scores but community attestations verifying participation in irrigation repairs, school construction, or elder care—measurable ayni contributions.

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