@incollection{,
	
					
					
					5787183C40666DDFAAFF7F6728C1C58F
				,
	author={{Dr. AbiolaBabajide} and {Dr. AbiolaBabajide} and {Covenant University, Ota}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}11117988
}

@incollection{b0,
	
	
		,
	title={{Impact assessment of microfinance interventions in Ghana and South Africa: A synthesis of major impacts and lessons}}
		,
	author={{
			SAfrane
		}}
	
	
		,
	journal={{Journal of Microfinance}}
		
			4
			1
			
			,
	year={2002}
		
	

}

@incollection{b1,
	
	
		,
	title={{The Role of the Federal Sector in Poverty Reduction}}
		,
	author={{
			JOAderibigbe
		}}
	
	
		,
	journal={{CBN Bullion}}
		
			39
			4
			
			,
	year={2001}
		
	

}

@incollection{b2,
	
	
		,
	title={{Microfinance as a Strategy for Poverty Reduction}}
		,
	author={{
			OOAkanji
		}}
	
	
		,
	journal={{CBN Bullion}}
		
			39
			4
			
			,
	year={2001}
		
	

}

@incollection{b3,
	
	
		,
	title={{Addressing Entrepreneurship Development Problems in SMEs}}
		,
	author={{
			MAmana
		}}
	
	
		,
	booktitle={{Small and Medium Enterprises Development and SMIEIS: Effective Implementation Strategies}}
				,
	editor={
			JA TOjo
		}
		Lagos
		
			,
	publisher={CIBN Press Ltd}
			,
	year={2003}
			
		
	

}

@incollection{b4,
	
	
		,
	title={{Does Microcredit reach the poor and vulnerable? Evidence from Northern Bangladesh}}
		,
	author={{
			SAmin
		} and {
			ASRai
		} and {
			GTopa
		}}
		
		
	
	
		,
	journal={{Journal of Development Economics}}
		
			70
			1
			
			,
	year={2003}
		
	

}

@incollection{b5,
	
	
		,
	title={{Organizational research: determining appropriate sample size in survey research}}
		,
	author={{
			JEBartlett
		} and {
			JKKotrliik
		} and {
			CCHiggins
		}}
		
		
	
	
		,
	journal={{Information Technology, Learning, and Performance Journal}}
		
			19
			1
			
			,
	year={2001}
		
	

}

@incollection{b6,
	
	
		,
	title={{Factors that affect the long-term survival of micro, small and medium enterprises in Ethiopia}}
		,
	author={{
			EBekele
		} and {
			WZeleke
		}}
		
	
	
		,
	journal={{South African Journal of Economics}}
		
			76
			3
			
			,
	year={2008}
		
	

}

@book{b7,
	
	
		,
	title={{Microfinance programmes, empowerment and contraceptive use : Evidence from Indonesia}}
		,
	author={{
			AMButtehiem
		}}
		
		
			,
	year={2005. June 2010}
		
	

}

@incollection{b8,
	
	
		,
	title={{The five stages of small business growth}}
		,
	author={{
			NCChurchill
		} and {
			VLLewis
		}}
		
	
	
		,
	journal={{Harvard Business Review}}
		
			61
			3
			
			,
	year={1983}
		
	

}

@book{b9,
	
	
		,
	author={{
			WGCochran
		}}
		,
	title={{Sampling techniques}}
				New York
		
			,
	publisher={John Wiley & Sons}
			,
	year={1977}
		
	
	,
	note={3rd ed.}

}

@incollection{b10,
	
	
		,
	title={{Assessing the impact of microcredit: A Zambian case study}}
		,
	author={{
			JCopestake
		} and {
			SBhalotra
		} and {
			Johnson
		} and {
			S
		}}
		
		
		
	
	
		,
	journal={{Journal of Development Studies}}
		
			37
			4
			
			,
	year={2001}
		
	

}

@incollection{b11,
	
	
		,
	title={{Regression models and lifetables}}
		,
	author={{
			DRCox
		}}
	
	
		,
	journal={{Journal of the Royal Statistical Society}}
		
			34
			
			,
	year={1972}
		
	

}

@incollection{b12,
	
	
		,
	title={{Demystifying non participation in microcredit: A population base analysis}}
		,
	author={{
			TGEvans
		} and {
			Adams
		} and {
			AM
		}}
		
		
	
	
		,
	journal={{World Development}}
		
			27
			2
			
			,
	year={1999}
		
	

}

@incollection{b13,
	
	
		,
	title={{Tested Institutional Practices for Effective Microfinance Services Delivery}}
		,
	author={{
			GEhigiamusoe
		}}
	
	
		,
	booktitle={{Proceedings of seminar in microfinance policy, regulatory and supervisory framework for Nigeria}}
				seminar in microfinance policy, regulatory and supervisory framework for Nigeria
		
			,
	year={2005}
		
	

}

@incollection{b14,
	
	
		,
	title={{Much ado about nothing: the case of the Nigerian microfinance policy measures, institutions and operations}}
		,
	author={{
			BOIganiga
		}}
	
	
		,
	journal={{Journal of Social Science}}
		
			17
			2
			
			,
	year={2008}
		
	

}

@book{b15,
	
	
		,
	title={{Microfinance and Poverty Reduction}}
		,
	author={{
			SJohnson
		} and {
			BRogaly
		} and {
			OxfamActionaid
		} and {
			UK
		}}
		
		
		
		
			,
	year={1997}
			,
	address={London}
		
	

}

@incollection{b16,
	
	
		,
	title={{The success and failure of dotcoms: A multi-method survival analysis}}
		,
	author={{
			RKauffman
		} and {
			BWang
		}}
		
	
	
		,
	booktitle={{Proceedings of the 6th INFORMS Conference on Information Systems and Technology (CIST)}}
				the 6th INFORMS Conference on Information Systems and Technology (CIST)Miami, FL, USA
		
			,
	year={2001}
		
	

}

@incollection{b17,
	
	
		,
	title={{Duration in the digital economy: Empirical bases for the survival of internet firms}}
		,
	author={{
			RKauffman
		} and {
			BWang
		}}
		
	
	
		,
	booktitle={{36th Hawaii International Conference on System Sciences (HICSS)}}
				Hawaii
		
			,
	year={2003}
		
	

}

@book{b18,
	
	
		,
	title={{The Financial Performance of Non-farm}}
		,
	author={{
			OMasakure
		} and {
			JCranfield
		} and {
			SHenson
		}}
		
		
		
			,
	year={2008}
		
	

}

@incollection{b19,
	
	
		,
	title={{}}
		,
	author={{
			GhanaMicroenterprises In
		}}
	
	
		,
	journal={{World Development}}
		
			36
			12
			
		
	

}

@incollection{b20,
	
	
		,
	title={{Partnership and Strategic Alliance Effective SME Development}}
		,
	author={{
			JA TOjo
		}}
	
	
		,
	booktitle={{Small and Medium Enterprises Development and SMIEIS: Effective Implementation Strategies}}
				,
	editor={
			JA TOjo
		}
		Lagos
		
			,
	publisher={CIBN Press Ltd}
			,
	year={2003}
			
		
	

}

@incollection{b21,
	
	
		,
	title={{Transforming Microfinance Schemes from Subsistence living to Small Scale Enterprises in Nigeria: analysis of Policies for Integration of Science and Technology into Client's Activities}}
		,
	author={{
			KOOrji
		}}
	
	
		,
	journal={{Policy paper Number}}
		
			11
			
			,
	year={2006}
		
	
	,
	note={United Nations Educational, Scientific, and Cultural Organization}

}

@incollection{b22,
	
	
		,
	title={{Microfinance with Chinese characteristics}}
		,
	author={{
			APark
		} and {
			CRen
		}}
		
	
	
		,
	journal={{World Development}}
		
			29
			
			,
	year={2001}
		
	

}

@incollection{b23,
	
	
		,
	title={{Social capital: Its origins and applications in contemporary sociology}}
		,
	author={{
			APortes
		}}
	
	
		,
	journal={{Annual Review of Sociology}}
		
			24
			1
			
			,
	year={1998}
		
	

}

@book{b24,
	
	
		,
	title={{Entrepreneurship, small and medium enterprises, theory, practice & policies, Sedina Ltd}}
		,
	author={{
			EEUbom
		}}
		
			,
	year={2006}
			,
	address={Lagos}
		
	

}

@book{b25,
	
	
		,
	title={{Assessment of the Micro, Small and Medium Enterpries Sector in Nigeria: PRISMS: Promoting Improved Sustainable Microfinance Services}}
		,
	author={{
			Usaid
		}}
		
		
			,
	year={2005. Jan. 30, 2008}
		
	

}