@incollection{,
	
					
					
					59FF86CE8C51D1CABA7BEDC4DAE115F9
				,
	author={{Dr. Suhaila SikeenKhan}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}2123339
}

@book{b0,
	
	
		,
	title={{Place and Problems of Small Scale Industries}}
		,
	author={{
			SBasu
		}}
		
			,
	year={2007}
			,
	publisher={Mukherjee and Co Pvt Ltd}
			,
	address={Kolkata}
		
	

}

@incollection{b1,
	
	
		,
	title={{A Study on Role of Micro Finance Provided by the Jammu and Kashmir Bank}}
		,
	author={{
			BhatKhursheed
		}}
	
	
		,
	journal={{International Refereed Research Journal}}
		
			2
			,
	year={2013. April 2013}
		
	

}

@book{b2,
	
	
		,
	title={{Job Creation in America}}
		,
	author={{
			DBirch
		}}
		
			,
	year={1987}
			,
	publisher={Free Press}
			,
	address={New York}
		
	

}

@book{b3,
	
	
		,
	author={{
			DLBirch
		}}
		,
	title={{Who Creates Job"? The Public Interest" Fall}}
				
			,
	year={1981}
			65
			
		
	

}

@incollection{b4,
	
	
		,
	title={{Microfinance in Africa: Is it either a Problem or the Solution?}}
		,
	author={{
			GBuckley
		}}
	
	
		,
	journal={{World Development}}
		
			25
			7
			
			,
	year={1997}
		
	

}

@incollection{b5,
	
	
		,
	title={{Hype and Hope: The Worrisome State of the Micro Credit Movement}}
		,
	author={{
			DitcherrThomas
		}}
	
	
		,
	booktitle={{the Microfinance Gateway. www.Microfinacegateway .Org}}
		
			,
	year={2006}
		
	

}

@incollection{b6,
	
	
		,
	title={{Micro Finance: Contemporary Issues and Challenges: A Case Study of Jammu and Kashmir State}}
		,
	author={{
			ShafqatAjaz
		} and {
			VikasSharma
		}}
		
	
	
		,
	journal={{IJBM}}
		
			,
	year={2014. May, 2014}
		
	

}

@book{b7,
	
	
		,
	title={{Financial Systems and Development: What Role for the Formal and Informal Sector?}}
		,
	author={{
			Germinis
		}}
		
			,
	year={1991}
			,
	publisher={OECD Development Centre}
			,
	address={Paris}
		
	

}

@incollection{b8,
	
	
		,
	title={{Determining the Common Problems of Early Growth of Small Businesses in Eastern North Carolina, SAM}}
		,
	author={{
			MLHarris
		} and {
			SGGibson
		}}
		
	
	
		,
	journal={{Advanced Journal}}
		
			71
			2
			
			,
	year={2006}
		
	

}

@incollection{b9,
	
	
		,
	title={{Why Small Businesses Fail}}
		,
	author={{
			RMonk
		}}
	
	
		,
	booktitle={{Electronic Version) CMA, Management}}
				
			,
	year={2000}
			74
			
		
	

}

@book{b10,
	
	
		,
	author={{
			MubashirNabi
		}}
		,
	title={{Availability and Awareness of Microfinance in Jammu and Kashmir State}}
				
			,
	year={2012}
		
	

}

@book{b11,
	
	
		,
	author={{
			OMugendo
		} and {
			AMugenda
		}}
		
		,
	title={{Research Methods, Acts}}
				
			,
	publisher={Press Nairobi}
			,
	year={2003}
		
	

}

@book{b12,
	
	
		,
	title={{Radio Netherlands, Speech by Minister for Development Cooperation Bert Koenders on Microfinance-Given at the Peace Palace in the Hague}}
		
			,
	year={January 2010}
			25
		
	

}

@incollection{b13,
	
	
		,
	title={{Staring Your Own Business? Prepare For Success}}
		,
	author={{
			WISauserJr
		}}
	
	
		,
	journal={{SAM Management in Practice}}
		
			3
			1
			
			,
	year={2005}
		
	

}

@book{b14,
	
	
		,
	title={{Bank Finance to the SME Sector Issues and Perspectives, the Chartered Accountant}}
		,
	author={{
			YSrinivas
		}}
		
			,
	year={2005. September, 2005}
		
	

}

@book{b15,
	
	
		,
	title={{Rural Finance and Poverty Alleviation}}
		,
	author={{
			MZeller
		} and {
			MSharma
		}}
		
		
			,
	year={1998}
			,
	publisher={International Food Policy Research Institute}
			,
	address={Washington, Dc. USA}
		
	
	,
	note={IFPRI}

}