Ilahiane Was Able to Build and Develop This Business Model

Ilahiane was able to build and develop this business model in part because:

A) He grew up in a Muslim culture and had familiarity with charitable Islamic institutions.
B) As an anthropologist, he was able to "study up" within banks and other institutions.
C) One-time gifts of technology are an important part of Islamic tradition.
D) He was unfamiliar with local traditions, and so was able to bring in a traditional Western business model.