Finance, Crowdfunding, Microcredit, Banking & Other Funding Sources

• Abu Amuna, Youssef M., Crowdfunding Financing Model Effect on Entrepreneurship Aspirations (January 30, 2019). International Journal of Academic Accounting, Finance & Management Research (IJAAFMR), 2019, Available at SSRN: https://ssrn.com/abstract=3327688
• 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. https://www.iiste.org/Journals/index.php/RJFA/article/view/2402
• Adil Zarfi. (2019). The integration of Awqaf, Zakat, and Crowdfunding in Islamic Microfinance Framework” Focus on Moroccan Case, Researches and Applications in Islamic Finance, 3(1).
  DOI: https://doi.org/10.48394/IMIST.PRSM/rafi-v3i1.14613
• 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 
• Agarwala, V., Maity, S., Sahu, T. N., (2022). Female Entrepreneurship, Employability and Empowerment: Impact of the Mudra Loan Scheme, Journal of Developmental Entrepreneurship.  https://doi.org/10.1142/S1084946722500054
• Aidara, S., Mamun, A. A., Nasir, N. A. M., Mohiuddin, M, (2022) “Sustainability Performance of Informal Micro-enterprises: The Case of Senegal, Journal of Developmental Entrepreneurship.  https://doi.org/10.1142/S1084946722500017 
• Aktaruzzaman, K., & Farooq, O. 2020. Cultural fractionalization and informal finance: evidence from Indian firms. Eurasian Economic Review, 10(4): 661-679. https://ideas.repec.org/a/spr/eurase/v10y2020i4d10.1007_s40822-020-00149-y.html
• 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. https://documents.worldbank.org/en/publication/documents-reports/documentdetail/702961468762947858/imperfect-information-screening-and-the-costs-of-information-lending-a-study-of-a-rural-credit-market-in-pakistan
• 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. https://www.tandfonline.com/doi/abs/10.1080/00220380902862929
• 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
• Anglin, H.A., Short,C.J.,  Ketchen, J.D. Jr., Allison, H.T., McKenny, F.A. (2019). Third-Party Signals in Crowdfunded Microfinance: The Role of Microfinance Institutions, Entrepreneurship Theory and Practice.https://doi.org/10.1177/1042258719839709
• Antonijević, M. S., & Ljumović, I. (2022). Is there a gender gap in financial inclusion across countries? Journal of Women's Entrepreneurship and Education, (1-2), 79-96. https://www.library.ien.bg.ac.rs/index.php/jwee/article/view/1404
• 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. https://scholarsarchive.byu.edu/esr/vol7/iss1/3/
• 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 
• Attuel-Mendes, L. (2016) Crowdfunding and Crowdmicrofinance, an Evolution of Models for Entrepreneurship of the Poor. Open Access Library Journal, 3, 1-7. doi: 10.4236/oalib.1103251.
• Ayyagari, M., Beck, T., & Hoseini, M. (2020). Finance, law and poverty: Evidence from India. Journal of Corporate Finance, 60, 101515. https://doi.org/10.1016/j.jcorpfin.2019.101515
• Babajide, A. A., Obembe, D., Solomon, H., & Woldesenbet, K. (2022). Microfinance and entrepreneurship: the enabling role of social capital amongst female entrepreneurs. International Journal of Social Economics, 49(8), 1152-1171. https://www.emerald.com/insight/content/doi/10.1108/IJSE-11-2020-0745/full/html
• Balcha, A. A. (2022). The Impacts of entrepreneurship training and start-up capitals on promoting youth employment in Ethiopia (The Case of Bale Gasger Woreda). Academy of Entrepreneurship Journal, 28(Special Issue 7), 1-15. https://www.researchgate.net/profile/Abebe-Ayalew/publication/361788582_Special_Issue_7_2022_1_Citation_Information_Balcha_AA_2022_The_impacts_of_entrepreneurship_training_and_start-up_capitals_on_promoting_youth_employment_in_Ethiopia_The_case_of_Bale_Gas
• 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. https://www.tandfonline.com/doi/full/10.1080/00220380801980798
• 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. https://www.researchgate.net/publication/272241825_The_Rise_and_Fall_of_Muhammad_Yunus_and_the_Microcredit_Model
• 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 
• 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
• 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. https://www.jstor.org/stable/3989879?seq=1#metadata_info_tab_contents 
• Bentancor, A. (2022). Women’s entrepreneurship and government policy: Facilitating access to credit through a national program in Chile. Social Sciences, 11(1), 14. https://www.mdpi.com/2076-0760/11/1/14/htm
• Besher, F. (2022). Challenges and prospects of women entrepreneurship in micro and small enterprises the case of Debark Town. International Journal of Inspiration, Resilience & Youth Economy, 6(1), 13-22. https://www.researchgate.net/profile/Mohamed-Buheji/publication/360335422_Challenges_and_Prospects_of_Women_Entrepreneurship_in_Micro_and_Small_Enterprises_the_Case_of_Debark_Town/links/6270f167973bbb29cc5d48a3/Challenges-and-Prospects-of-Women-Entrepreneu
• Besley, T. & Levenson, A. (1995). The role of informal finance in household capital accumulation: Evidence from Taiwan. 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 
• Borah, P. (2019). A Brief study on the entrepreneurship in North East India with special reference to Assam. Journal of Critical Reviews, 6(1), 118-126. http://www.jcreview.com/admin/Uploads/Files/6230b69bc89a93.94029852.pdf
• 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. https://www.journals.uchicago.edu/doi/10.1086/648184
• Brown, G. (2010). When Small is Big: Microcredit and Economic Development. Open Source Business Resource, (November 2010). http://timreview.ca/article/392 
• 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 
• 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(1), 9–26.
• Bruton, G., Khavul, S., Siegel, D., and Wright, M. (2015). New Financial Alternatives in Seeding Entrepreneurship: Microfinance, Crowdfunding, and Peer–to–Peer Innovations, Entrepreneurship Theory and Practice.https://doi.org/10.1111/etap.12143
• 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. https://www.jstor.org/stable/29789454?seq=1#metadata_info_tab_contents
• Bruton, G.D., Nuhu, N. And Qian, J.J. (2021). Informal Finance In Settings Of Poverty: Establishing An Agenda For Future Entrepreneurship Research. Journal of Developmental Entrepreneurship. Https://Doi.Org/10.1142/S1084946721500114
• Bulow, J., & Rogoff, K. (2005). Grants Versus Loans for Development Banks. American Economic Review, 95(2), 393–397. https://doi.org/10.1257/000282805774669727 
• Burgess, R., and R. Pande, 2005, “Can Rural Banks Reduce Poverty? Evidence from the Indian Social Banking Experiment”, American Economic Review, Vol 95(3), pp. 780–95 https://doi.org/10.1257/0002828054201242
• Burgess, R., Pande, R., & Wong, G. (2005). Banking for the Poor: Evidence from India. Journal of the European Economic Association, 3(2-3), 268–278. https://doi.org/10.1162/jeea.2005.3.2-3.268
• 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. https://www.tandfonline.com/doi/abs/10.1080/13600818.2015.1064880
• Camenzuli, A. & McKague, K. (2015). Team microfranchising as a response to the entrepreneurial capacity problem in low-income markets. Social Enterprise Journal, 11(1), 69–88. https://www.emerald.com/insight/content/doi/10.1108/SEJ-02-2012-0008/full/html
• Caskey, J. P. (1994). Bank representation in low-income and minority urban communities. Urban Affairs Review, 29(4), 617-638. https://journals.sagepub.com/doi/pdf/10.1177/004208169402900406 
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• 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 
• Domanban, P. B., Asitik, A. J., & Addy-Morton, R. (2022). The Role of rural banks in poverty reduction among women: Evidence from Sonzele Rural Bank, Ghana. Ghana Journal of Development Studies, 19(1), 49-70. https://www.ajol.info/index.php/gjds/article/view/226473
• Domanban, P. B., Asitik, A. J., & Addy-Morton, R. (2022). The Role of Rural Banks in Poverty Reduction among Women: Evidence from Sonzele Rural Bank, Ghana. Ghana Journal of Development Studies, 19(1), 49-70. https://www.ajol.info/index.php/gjds/article/view/226473
• 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. https://econpapers.repec.org/article/jdajournl/default3.htm
• Eresia-Eke, C., Okerue, C. (2022).  Forms of Capital and the Creation of Jobs by Immigrant-Owned Businesses in Southern Africa.  Journal of Developmental Entrepreneurship.  https://doi.org/10.1142/S1084946722500030
• 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. https://www.researchgate.net/publication/232001207_Informal_Finance_and_the_Urban_Poor_An_Investigation_of_Rotating_Savings_and_Credit_Associations_in_Turkey
• 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 
• Fieve, J. K. D., & Chrysostome, E. V. (2022). Credit cooperative lending loans as challenges and opportunities for women entrepreneurship in Africa: Evidence from Ghana. Journal of African Business. https://www.tandfonline.com/doi/full/10.1080/15228916.2022.2078937
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• Gafni, H., Hudon, M., and Périlleux, A. (2021). Business or Basic Needs? The Impact of Loan Purpose on Social Crowdfunding Platforms, Journal of Business Ethics, 173, 777–793. https://link.springer.com/article/10.1007/s10551-020-04530-4
• Gang, I. N., Natarajan, R. R., & Sen, K. (2022). Finance, gender, and entrepreneurship: India’s informal sector firms. The Journal of Development Studies, 58(7). https://www.tandfonline.com/doi/full/10.1080/00220388.2022.2061855
• 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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• 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. https://lin.cdl.unimi.it/sites/lk02/files/2019-06/Gu%C3%A9rin-Juggling-with-debt.pdf
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