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Adeusi, S., Azeez, B. A., & Olanrewaju, H. 2012. The effect of financial liberalization on the performance of informal capital market. Research Journal of Finance and Accounting, 3(6): 1-16.
Adnan, A. H. M., Jaafar, R. E., Nasir, Z. A., & Mohtar, N. M. (2016). 'Just sisters doing business between us': gender, social entrepreneurship and entrepreneurial resilience in rural Malaysia.
International Journal of Entrepreneurship and Small Business, 27(2-3), 273-288. https://www.researchgate.net/publication/288992638_'Just_sisters_doing_business_between_us'_gender_social_entrepreneurship_and_entrepreneurial_resilience_in_rural_Malaysia Aktaruzzaman, K., & Farooq, O. 2020. Cultural fractionalization and informal finance: evidence from Indian firms. Eurasian Economic Review, 10(4): 661-679.
Aleem, I. 1990. Imperfect information, screening, and the costs of informal lending: A study of a rural credit market in Pakistan. The World Bank Economic Review, 4(3): 329-349.
https://academic.oup.com/wber/article-abstract/4/3/329/1673310?redirectedFrom=fulltext Allem, I. 1990. Imperfect Information, screening and the costs of informal lending: A study of rural credits markets in Pakistan. World Bank Economic Review, 4: 329-349.
Alvi, E., & Dendir, S. 2009. Private transfers, informal loans and risk sharing among poor urban households in Ethiopia. Journal of Development Studies, 45(8): 1325-1343.
Anderloni , L. and Carluccio, E. (2006). Access to Bank Accounts and Payment Services, In Anderloni, L., Carluccio, E. and Braga, M. (Eds), New Frontiers in Banking Services: Emerging Needs and Tailored Products for Untapped Markets (p. 5-106). Berlin: Springer Verlag. https://www.springer.com/gp/book/9783540464976
Archer, Geoffrey R. & Jones-Christensen, Lisa. (2011). Entrepreneurial Value Creation Through Green Microfinance. Asian Business & Management Journal. 10 (331-356). https://link.springer.com/article/10.1057/abm.2011.9?shared-article-renderer Aryeetey, E. 2005. Informal finance for private sector development in Sub-Saharan Africa. Journal of Microfinance/ESR Review, 7(1): 13-38.
Attuel-Mendès, L. (2014). Crowdfunding Platforms for Microfinance: A New Way to Eradicate Poverty through the Creation of a Global Hub?
Cost Management, 28, 38-47. https://www.researchgate.net/publication/341131491_CROWDFUNDING_PLATFORMS_FOR_MICROFINANCE_A_NEW_WAY_TO_ERADICATE_POVERTY_THROUGH_THE_CREATION_OF_A_GLOBAL_HUB
Baradaran, M. (2013). How the Poor Got Cut Out of Banking. UGA Legal Studies Research Paper No. 2013-12. Athens: University of Georgia. https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2056593
Baradaran, M., & Ayyar, P. (2016). How the Other Half Banks. Blackstone Audio, Incorporated. https://www.kobo.com/us/en/audiobook/how-the-other-half-banks-2
Barr M. & Blank R. (2009). Savings, Assets, Credit, and Banking Among Low-Income Households: Introduction and Overview. In Barr M. & Blank R. (Eds.), Insufficient Funds: Savings, Assets, Credit, and Banking Among Low-Income Households (pp. 1-22). New York: Russell Sage Foundation. https://www.researchgate.net/publication/287757662_Savings_assets_credit_and_banking_among_low-income_households_Introduction_and_overview Barslund, M., & Tarp, F. 2008. Formal and informal rural credit in four provinces of Vietnam. The Journal of Development Studies, 44(4): 485-503.
Bates, T., & Robb, A. (2013). Greater access to capital is needed to unleash the local economic development potential of minority-owned businesses. Economic Development Quarterly, 27(3), 250-259. https://journals.sagepub.com/doi/pdf/10.1177/0891242413477188
Bates, T., Lofstrom, M., & Servon, L. J. (2011). Why Have Lending Programs Targeting Disadvantaged Small Business Borrowers Achieved So Little Success in the United States?
Economic Development Quarterly, 25(3), 255–266. https://www.iza.org/publications/dp/5212/why-have-lending-programs-targeting-disadvantaged-small-business-borrowers-achieved-so-little-success-in-the-united-states
Bateman, M. 2012. The role of microfinance in contemporary rural development finance policy and practice: Imposing neoliberalism as ‘best practice’.
Journal of Agrarian Change 12(4): 587–600. https://onlinelibrary.wiley.com/doi/abs/10.1111/j.1471-0366.2012.00376.x
Bateman, M. 2014. The rise and fall of Muhammad Yunus and the microcredit model. Saint Mary’s University - International Development Studies Working Paper Series, no. 001.
Bateman, M., and H.-J. Chang. 2012. Microfinance and the illusion of development: From hubris to nemesis in thirty years.
World Economic Review 1: 13–36. https://www.researchgate.net/publication/286207461_Microfinance_and_the_Illusion_of_Development_From_hubris_to_nemesis_in_thirty_years Baydas, M. M., Bahloul, Z., & Adams, D. W. 1995. Informal finance in Egypt: Banks within banks. World Development, 23(4): 651-661.
https://econpapers.repec.org/article/eeewdevel/v_3a23_3ay_3a1995_3ai_3a4_3ap_3a651-661.htm Bell, C. 1990. Interactions between institutional and informal credit agencies in rural India. The World Bank Economic Review, 4(3): 297-327.
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Milken Institute for Job & Capital Formation, Series in Economics. Milken Institute, working paper 93-115. https://rpds.princeton.edu/sites/rpds/files/media/besley_role_of_informal_finance_in_household_capital_accumulation_ej1996.pdf
Bhatt, N., Painter, G., & Tang, S.Y. (1999). Can microcredit work in the United States?
Harvard Business Review, 77, 26-27. https://hbr.org/1999/11/can-microcredit-work-in-the-united-states
Blanchflower, D. G., Levine, P. B., & Zimmerman, D. J. (2003). Discrimination in the small-business credit market. The Review of Economics and Statistics, 85(4), 930-943. https://www.jstor.org/stable/3211816?seq=1 Bouman, F. J. 1990. Informal rural finance: An Aladdin's lamp of information. Sociologia Ruralis, 30(2): 155-173.
https://www.cabdirect.org/cabdirect/abstract/19901884061 Brandt, L., & Hosios, A. J. 2010. Interest-free loans between villagers. Economic Development and Cultural Change, 58(2): 345-372.
Brown, G. (2010). When Small is Big: Microcredit and Economic Development . Open Source Business Resource, (November 2010).
http://timreview.ca/article/392 Bruton, G.D., Khavul, S., Chavez, H. 2011. Microlending in emerging economies: Building a new line of inquiry from the ground up. Journal of International Business Studies. 42(5): 718-739.
Bruton, G. , Khavul , S., Siegel , D., & Wright, M. ( 2015) . New financial alternatives in seeding entrepreneurship: Microfinance, crowdfunding, and peer-to-peer innovations . Entrepreneurship Theory and Practice, 39: 9 – 26. https://www.researchgate.net/publication/269288045_New_Financial_Alternatives_in_Seeding_Entrepreneurship_Microfinance_Crowdfunding_and_Peer-to-Peer_Innovations
Burhouse, S., Chu, K., Ernst, K., Goodstein, R., Lloro, A., Lyons, G., Northwood, J., Osaki, Y., Rhine, S., Sharma, D. & Weinstein, J. (2016). FDIC National Survey of Unbanked and Underbanked Households 2015. Federal Deposit Insurance Corporation, Division of Depositor and Consumer Protection. https://www.fdic.gov/HOUSEHOLDSURVEY/2015/2015execsumm.pdf Bylander, M. 2015. Credit as coping: Rethinking microcredit in the Cambodian context. Oxford Development Studies, 43(4): 533-553.
Camenzuli, A. & McKague, K. (2015). Team microfranchising as a response to the entrepreneurial capacity problem in low-income markets.
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Community Development Venture Capital Alliance (CDVCA) (2006). The new markets venture capital program: Providing equity capital and expertise to entrepreneurs in low-income urban and rural communities. Retrieved from
https://community-wealth.org/sites/clone.community-wealth.org/files/downloads/paper-cdvca.pdf Corrado, G., & Corrado, L. 2017. Inclusive finance for inclusive growth and development. Current opinion in environmental sustainability, 24: 19-23.
https://www.researchgate.net/publication/314270082_Inclusive_finance_for_inclusive_growth_and_development Elven, S., & LeMay-Boucher, P. 2016. How sustainable is the use of different savings devices? A study of formal and informal finance in Benin. The Journal of Developing Areas: 123-139.
Ergungor, O. E. (2010). Bank branch presence and access to credit in low- to moderate-income neighborhoods.
Journal of Money, Credit and Banking, 42(7), 1321-1349. https://ideas.repec.org/a/mcb/jmoncb/v42y2010i7p1321-1349.html Eroglu, S. 2010. Informal finance and the urban poor: An investigation of rotating savings and credit associations in Turkey. Journal of Social Policy, 39: 461.
Fafchamps, M. (2013). Credit constraints, collateral, and lending to the poor. Revue d’ Economie du Developpement, 21 (2), 79-100. https://www.cairn-int.info/journal-revue-d-economie-du-developpement-2013-2-page-79.htm#
Félix, E. G. S., & Belo, T. F. (2019). The impact of microcredit on poverty reduction in eleven developing countries in south-east Asia. Journal of Multinational Financial Management, 52, 100590. https://ideas.repec.org/a/eee/mulfin/v52-53y2019is1042444x18302834.html Freeman, I., & Higginson, N. (2007). Microcredit through the feminist lens: Toward a more equitable approach to social entrepreneurship. In
Product and Market Development for Subsistence Marketplaces. Emerald Group Publishing Limited. https://www.emerald.com/insight/publication/doi/10.1016/S1571-5027(2007)20
Garrity, P., & Martin, C. (2018). Developing a microfinance model to break the cycle of poverty. Business Horizons, 61(6), 937-947. https://ideas.repec.org/a/eee/bushor/v61y2018i6p937-947.html
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Greyling, T., & Rossouw, S. 2019. Access to micro-and informal loans: Evaluating the impact on the quality of life of poor females in South Africa. South African Journal of Economic and Management Sciences, 22(1): 1-14.
Gobin, V. J., Santos, P., & Toth, R. (2017). No longer trapped? Promoting entrepreneurship through cash transfers to ultra-poor women in northern Kenya
. American Journal of Agricultural Economics, 99(5), 1362-1383. https://research.monash.edu/en/publications/no-longer-trapped-promoting-entrepreneurship-through-cash-transfe Guérin, I. 2014. Juggling with debt, social ties, and values: The everyday use of microcredit in rural South India. Current Anthropology, 55(S9): S40-S50.
Guérin, I., d'Espallier, B., & Venkatasubramanian, G. 2013. Debt in rural South India: Fragmentation, social regulation and discrimination. The Journal of Development Studies, 49(9): 1155-1171.
Gugerty, M. K. 2007. You can’t save alone: Commitment in rotating savings and credit associations in Kenya. Economic Development and cultural change, 55(2): 251-282.
Guirkinger, C. 2008. Understanding the coexistence of formal and informal credit markets in Piura, Peru. World development, 36(8): 1436-1452.
Gupta, M. R., & Chaudhuri, S. 1997. Formal credit, corruption and the informal credit market in agriculture: A theoretical analysis. Economica, 64(254): 331-343.
Herlihy, R. 2019. Microfinance — a powerful tool for combating poverty? Accessed online: 02/09/2021.
Ibrahim, H. (2019). Do institutions matter? The persistence of Roscas among immigrants in developed economies.
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Ibrahim, H. (2020). Structured savings and asset ownership: The role of rotating savings and credit associations among African immigrants in the United States.
Journal of Sociology & Social Welfare. 47( 2), 29-57. https://scholarworks.wmich.edu/jssw/vol47/iss2/3/
Islam, A., Nguyen, C., & Smyth, R. 2015. Does microfinance change informal lending in village economies? Evidence from Bangladesh. Journal of Banking & Finance, 50: 141-156.
Jodhka, S. S. 1995. Who borrows? Who lends? Changing structure of informal credit in rural Haryana. Economic and Political Weekly, 30(39): 123-132.
Jones, J. H. M. 2008. Informal finance and rural finance policy in India: Historical and contemporary perspectives. Contemporary South Asia, 16(3): 269-285.
Kasseeah, H., & Tandrayen-Ragoobur, V. 2015. Self-employed women and their access to finance: perspectives from the informal sector. African Journal of Science, Technology, Innovation and Development, 7(4): 247-254.
Kasseeah, H., & Tandrayen-Ragoobur, V. 2015. Self-employed women and their access to finance: perspectives from the informal sector. African Journal of Science, Technology, Innovation and Development, 7(4): 247-254.
Kebede, M., & Regassa, N. (2019). Women’s access to microfinance services in Southern Ethiopia: Assessing the promises, impacts, challenges and gaps. In
Efficiency, Equity and Well-Being in Selected African Countries (pp. 149-165). Springer, Cham. https://econpapers.repec.org/bookchap/spresichp/978-3-030-11419-0_5f7.htm
Kevane, M., & Wydick, B. (2001). Microenterprise lending to female entrepreneurs: sacrificing economic growth for poverty alleviation?. World development, 29(7), 1225-1236. https://econpapers.repec.org/article/eeewdevel/v_3a29_3ay_3a2001_3ai_3a7_3ap_3a1225-1236.htm Khan, A. H., & Dewan, H. 2017. Can the availability of informal loans be detrimental to microloan repayment? Some empirical evidence from Bangladesh. The Journal of Developing Areas, 51(4): 347-359.
Khavul, S., Chavez, H., & Bruton, G. D. (2013). When institutional change outruns the change agent: The contested terrain of entrepreneurial microfinance for those in poverty. Journal of Business Venturing, 28(1), 30-50. https://econpapers.repec.org/article/eeejbvent/v_3a28_3ay_3a2013_3ai_3a1_3ap_3a30-50.htm Khoi, P. D., Gan, C., Nartea, G. V., & Cohen, D. A. 2013. Formal and informal rural credit in the Mekong River Delta of Vietnam: Interaction and accessibility. Journal of Asian Economics, 26: 1-13.
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Mungiru, J. W., & Njeru, A. 2015. Effects of informal finance on the performance of small and medium enterprises in Kiambu County. International Journal of Scientific and Research Publications, 5(11): 338-362.
Murshid, N. S., Akincigil, A., & Zippay, A. (2016). Microfinance participation and domestic violence in Bangladesh: results from a nationally representative survey.
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Raimi, L., Odebode, O. O. and Adegunle, S. I. (2017) Investigating the influence of microfinance banks on enterprise growth, resource acquisition and capability development of micro, small and medium scale enterprises in Nigeria. International Journal of Entrepreneurial Development, Education and Science Research, 4(2), 40-56. https://www.researchgate.net/publication/317936652_Investigating_the_Influence_of_Microfinance_Banks_on_Enterprise_Growth_Resource_Acquisition_and_Capability_Development_of_Micro_Small_and_Medium_Scale_Enterprises_MSMEs_in_Nigeria
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