sentences:  While Schulze could rely largely on a commercial approach, Raiffeisen's approach addressed the unique problems of the rural poor largely by exploiting the strong bonds of solidarity (known today as social capital) and deep Christian values in the typical village.For example, to make up for the very small and irregular availability of cash in rural communities, credit unions expected their directors to serve in a voluntary capacity, with only the cashier receiving a small stipend.Priests, teachers and other educated villagers were often inspired to serve by the cooperative values advanced by Raiffeisen's movement.