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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. https://www.iiste.org/Journals/index.php/RJFA/article/view/2402
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. 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
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
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
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. 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
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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. 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.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. , 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. 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
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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. https://econpapers.repec.org/article/jdajournl/default3.htm
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
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. https://sajems.org/index.php/sajems/article/view/2944
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. https://lin.cdl.unimi.it/sites/lk02/files/2019-06/Gu%C3%A9rin-Juggling-with-debt.pdf
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. https://www.tandfonline.com/doi/abs/10.1080/00220388.2012.720365
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. https://ideas.repec.org/a/ucp/ecdecc/y2007v55i2p251-82.html
Guirkinger, C. 2008. Understanding the coexistence of formal and informal credit markets in Piura, Peru. World development, 36(8): 1436-1452. https://econpapers.repec.org/article/eeewdevel/v_3a36_3ay_3a2008_3ai_3a8_3ap_3a1436-1452.htm
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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
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