1 final report cdp 1997 2004 cooperative agreement no fao a 00 97 00008 december 2 mainstreaming financial services to include the poor credit union perspective anna cora evans and janette klaehn world council of unions 601 pennsylvania avenue nw ste 600 washington dc usa acevans woccu org jklaehn abstract this article discusses strategies that affiliated inc implement mainstream incorporate for into formal system scale up broaden extend access people these approaches creating solid foundation offering an array client responsive introducing distinct techniques downreach extending geographical coverage harnessing technology describes how development program funded by us agency international usaid has contributed s application its model building methodology designed reach large numbers clients integrating them broader membership base increase improve performance it also innovations have risen out