achieve the goals of full employment and self-reliance through interpersonal recognition that also has been shown to increase productivity within the organization. SEWA also connects workers in the same business within over 50 cooperatives. SEWA serves as a model for successful bottom-up democratic organizations by emphasizing an organizational model. Steps to organizing such a large union are outlined as follows: Recruit members and assess needs of this unique cohort Group members by trade, cooperative, region, etc. Foster leadership within groups Train leaders to promote SEWA programs either locally or within their profession Elect members to positions of SEWA leadership councils Economic tools SEWA established its own bank in 1974 called the Shri Mahila Sewa Sahakari Bank, or SEWA Cooperative Bank, as a way to circumvent corrupt banks, moneylenders, and other middlemen. Everything about the bank is determined by SEWA members—the bankers and board members are organization members, the loan rates are set by members, the funds are entirely from members. SEWA Bank's philosophy is centered around saving and entrepreneurship, especially considering SEWA members have stock in the bank. SEWA gives microcredit, or microfinance, to members through its bank, which is considered by many to increase micro and macro productivity by lending to individuals to pursue a business, finance a home, and various other ways to establish one's self. Women have become a central demographic within microfinance because they are understood to be the most socially vulnerable population within poverty-stricken communities and also tend to generate wealth for the whole family rather than as an individual. A large body of literature exists that critiques the merits of microcredit. Many (Keating, Rasmussen, Rishi 2015) argue that microcredits are indeed effective in bringing women into a liberated economy; however, the capitalist system women are introduced to is deeply violent and institutionally sexist. Mahajan (2005) argues that microcredit does nothing to promote economic growth for a nation as a whole for reasons that Surowiecki (2008) such as microloans stifling innovation and prohibiting job production—in otherwords stagnating business growth at "micro" level instead of "small" business level. Often, microloans simply have a crippling effect on the individual. A study by Jahiruddin (2011) of Bangladeshi microloan benefactors found that the poorest entrepreneurs (i.e. women) tend to be the most susceptible to business failure and increased debt because they have fewer resources as a safety net. The same study also found that entrepreneurs who reported worsening poverty