1.

Local associations and organizations are the basic tools in the United States for (select all that apply):

		taking resources from rival communities
		making democracy work
		empowering individuals
		creating effective citizens
		building strong communities

2.

All of the following are examples of community development financial institutions EXCEPT:

		small, state-wide banks
		community development credit unions
		community development banks
		micro-loan funds

3.

All of the following are consequences of the needs map for local residents except:

		Too much of a focus is put on individual capabilities.
		The community has a poor self-image.
		Local relationships can be damaged.
		The focus is put on leaders who magnify deficiencies.

4.

All of the following are characteristics of local voluntary associations except:

		Members are automatically signed up because of type of employment.
		Groups of two or more residents joined together around a common activity.
		Members always create the vision and engage in the work to achieve the goal.
		Might have a small paid staff.