Consider the following loan program description: SafeSaves rst loan product required that borrowers hold a savings account for three months before borrowing was allowed. The maximum size of the loan was determined as (current savings balance) +(10 times the smallest monthly net inow of savings over the previous three months). While loans are outstanding, savings withdrawals are restricted in some SafeSave loan products. This is an example of:

	a.	A program based upon the Accion USA CAMEL diagnostic tool
	b.	Savings accounts used to align incentives and reduce moral hazard
	c.	Savings accounts used to align incentives and increase break even R
	d.	A program based upon the Kiva online solidarity lending model