@incollection{,
	
					
					
					358771E6869FFBB86D9CE55D820236F6
				,
	author={{Habtamu GetnetAltasseb} and {Lecturer in  the College of Business and Economics, Hawassa University.}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}1573143
}

@incollection{b0,
	
	
		,
	title={{Microfinance Development Strategy}}
		
	
	
		,
	journal={{ADB}}
		
			,
	year={2008}
		
	

}

@incollection{b1,
	
	
		,
	title={{From Event to Procss: Current Trends in Microfinance impact assessment', impact assessment}}
		,
	author={{
			SAnton
		}}
	
	
		,
	journal={{Small Enterprise Development}}
		
			12
			4
			,
	year={2001}
		
	

}

@incollection{b2,
	
	
		,
	title={{Microfinance beyond Group Lending}}
		,
	author={{
			DA BArmendariz
		} and {
			JMorduch
		}}
		
	
	
		,
	journal={{Economics of Transition}}
		
			8
			2
			
			,
	year={2000}
		
	

}

@incollection{b3,
	
	
		,
	title={{Microfinance beyond Group Lending}}
		,
	author={{
			DA BArmendariz
		} and {
			JMorduch
		}}
		
	
	
		,
	journal={{Economics of Transition}}
		
			8
			2
			
			,
	year={2000}
		
	

}

@book{b4,
	
	
		,
	title={{Microfinance and Improvement in Living Standards: A Pathway Out of Poverty: The Case of Enemay Woreda, Eastern Gojjam, Amhara Regional State}}
		,
	author={{
			AlemuBamlaku Alamirew
		}}
		
			,
	year={2004}
		
	
	,
	note={Working Paper}

}

@incollection{b5,
	
	
		,
	title={{Microfinance Program Clients and Impact: An Assessment of Zambuko Trust, Zimbabwe'. AIMS Paper}}
		,
	author={{
			CBarnes
		}}
	
	
		,
	booktitle={{Management Systems International. (Critics}}
				Washington D.C
		
			,
	year={2001. 1999}
		
	

}

@incollection{b6,
	
	
		,
	title={{Returns to Capital in Microenterprises: Evidence from a Field Experiment}}
		,
	author={{
			SDe Mel
		} and {
			DMckenzie
		} and {
			CWoodruff
		}}
		
		
	
	
		,
	journal={{Quarterly Journal of Economics}}
		
			123
			4
			
			,
	year={2008}
		
	

}

@incollection{b7,
	
	
		,
	title={{The Determinants of Microfinance Profitability: Evidences from Sri Lankan Microfinance Institutions}}
		,
	author={{
			DM N S WDissanayake
		}}
	
	
		,
	journal={{Kelaniya Journal of Management}}
		
			1
			1
			
			,
	year={2014}
		
	

}

@book{b8,
	
	
		,
	title={{Evidence of Microfinance's Contribution to Achieving the Millennium Development Goals' Freedom from Hunger}}
		,
	author={{
			CDunford
		}}
		
			,
	year={2006}
		
	

}

@book{b9,
	
	
		,
	title={{Microfinance Institutions in Ethiopia: Issues of Portfolio Risk, institutional Arrangement and Governance}}
		,
	author={{
			GebrehiwotAgeba
		}}
		
			,
	year={2001}
		
	
	,
	note={Unpublished Paper Presented at Conference on Development of Microfinance in Ethiopia}

}

@book{b10,
	
	
		,
	title={{Microfinance and Poverty: Questioning the Conventional Wisdom New York: Inter-American Development Bank}}
		,
	author={{
			HGulli
		}}
		
			,
	year={1998. 2004}
			,
	publisher={Hailu and Wlisa}
		
	

}

@incollection{b11,
	
	
		,
	title={{Impact of microfinance: A critical survey}}
		,
	author={{
			HermesNiels
		} and {
			LensinkRobert
		}}
		
	
	
		,
	journal={{Economic and Political Weekly}}
		
			42
			6
			
			,
	year={2007}
		
	

}

@book{b12,
	
	
		,
	title={{The Village Bank Methodology: Performance and prospects}}
		,
	author={{
			SHolt
		}}
		
			,
	year={1994}
		
	

}

@book{b13,
	
	
		,
	author={{
			Rhyne
		}}
		,
	title={{The New World of Microenterprise Finance}}
				USA
		
			,
	publisher={Kumarian Press}
		
	

}

@book{b14,
	
	
		,
	title={{The Village Bank Methodology: Performance and prospects}}
		,
	author={{
			SHolt
		}}
		
			,
	year={1994}
		
	

}

@book{b15,
	
	
		,
	author={{
			Rhyne
		}}
		,
	title={{The New World of Microenterprise Finance}}
				USA
		
			,
	publisher={Kumarian Press}
		
	

}

@book{b16,
	
	
		,
	title={{Finance against Poverty}}
		,
	author={{
			DHulme
		} and {
			PMosley
		}}
		
		,
	editor={Routledge, London.IMF.}
		
			,
	year={1996. 2005. 2005}
			,
	publisher={International Monetary Fund}
			,
	address={Washington}
		
	
	,
	note={World Economic Outlook}

}

@incollection{b17,
	
	
		,
	title={{}}
		,
	author={{
			DHulme
		} and {
			PMosley
		}}
		
	
	
		,
	journal={{Finance Against Poverty}}
		
			,
	year={1996}
		
	
	,
	note={& II). Rout ledge}

}

@book{b18,
	
	
		,
	title={{Exploring the Impact of Microfinance in Pakistan}}
		,
	author={{
			JamalHaroon
		}}
		No.77
		
			,
	year={2008}
		
	
	,
	note={Research Report}

}

@book{b19,
	
	
		,
	title={{Micro and Small Enterprises and Micro finance in Africa, the support to dynamic enterprises: an effective weapon for poverty alleviation}}
		,
	author={{
			CJean-Luc
		}}
		
			,
	year={2006}
		
		
			quarterly bulletin of National Bank of Ethiopia
		
	
	,
	note={included in Birritu No. 95}

}

@book{b20,
	
	
		,
	title={{Microfinance and Poverty Reduction}}
		,
	author={{
			SJohnson
		} and {
			BRogaly
		}}
		
		
			,
	year={1997. 2005}
			,
	publisher={Khandker}
			,
	address={Oxford}
		
	

}

@incollection{b21,
	
	
		,
	title={{Microcredit, Social Capital, and Politics}}
		,
	author={{
			JM LKah
		} and {
			DLOlds
		} and {
			MM OKah
		}}
		
		
	
	
		,
	journal={{Journal of Microfinance}}
		
			7
			1
			
			,
	year={2005}
		
	

}

@incollection{b22,
	
	
		,
	title={{Expanding microenterprise credit access: Using randomized supply decisions to estimate the impacts in Manila}}
		,
	author={{
			Dean;Karlan
		} and {
			JonathanZinman
		}}
		
	
	
		,
	journal={{Economic Growth Center}}
		
			976
			,
	year={2009}
			,
	publisher={Center Discussion Paper}
		
	

}

@book{b23,
	
	
		,
	title={{Socio-economic and psychological dynamics of empowerment of Grameen Bank and BRAC borrowers}}
		,
	author={{
			MKhandker
		}}
		
			,
	year={1998}
		
	
	,
	note={Paper presented at the conference. Recent research on}

}

@incollection{b24,
	
	
		,
	title={{Motivations to Remit: Evidence from Botswana}}
		,
	author={{
			RE BLucas
		} and {
			OStark
		}}
		
	
	
		,
	journal={{Journal of Political Economy}}
		
			93
			5
			
			,
	year={1985}
		
	

}

@incollection{b25,
	
	
		,
	title={{Do Entry Costs Provide an Empirical Basis for Poverty Traps? Evidence from Mexican Microenterprises}}
		,
	author={{
			DJMckenzie
		} and {
			CWoodruff
		}}
		
	
	
		,
	journal={{Economic Development and Cultural Change}}
		
			55
			1
			
			,
	year={2006}
		
	

}

@book{b26,
	
	
		,
	title={{Ministry of Finance and Economic Development (2005) Ethiopia: Building on Progress: A Plan for Accelerated and Sustained Development to End Poverty (PASDEP)}}
				
			,
	publisher={Panjaitan and Cloud}
			,
	year={2005/6-2009/10. 1999}
		
	

}

@incollection{b27,
	
	
		,
	title={{Access to Formal and Quasi-Formal Credit by Smallholder Farmers and Artisanal Fishermen: A Case of Zanzibar}}
		,
	author={{
			KMohamed
		}}
	
	
		,
	booktitle={{Research on Poverty Alleviation (REPOA)}}
				
			,
	year={2003}
		
	

}

@incollection{b28,
	
	
		,
	title={{An Assessment of the Impact of Microfinance}}
		,
	author={{
			GMorris
		} and {
			CBarnes
		}}
		
	
	
		,
	journal={{Journal of Microfinance}}
		
			7
			1
			
			,
	year={2005}
		
	

}

@incollection{b29,
	
	
		,
	title={{Microenterprise Finance: Is There a Conflict between Growth and Poverty Alleviation?}}
		,
	author={{
			PMosley
		} and {
			DHulme
		}}
		
	
	
		,
	journal={{World Development}}
		
			26
			5
			
			,
	year={1998}
		
	

}

@book{b30,
	
	
		,
	title={{Microfinance; Akhuwat: Making Microfinance Work: A groundbreaking microfinance model is bringing out the best in society'. A standard social innovation review accessed}}
		,
	author={{
			MunirKamal
		}}
		
			,
	year={2012}
		
	

}

@incollection{b31,
	
	
		,
	title={{the Impact of Group-Based Credit Programs on Poor Households in Bangladesh: Does the Gender of Participants Matter?}}
		,
	author={{
			MMPitt
		} and {
			SRKhandker
		}}
		
	
	
		,
	journal={{Journal of Political Economy}}
		
			106
			5
			
			,
	year={1998}
		
	

}

@book{b32,
	
	
		,
	title={{Microfinance for rural people: an impact evaluation. National Bank for Agriculture and Rural Development}}
		,
	author={{
			VPuhazhendhi
		} and {
			KJ SSatyasai
		}}
		
		
			,
	year={2000}
		
		
			Department of Economic Analysis and Research
		
	

}

@book{b33,
	
	
		,
	title={{The Microfinance Revolution: Sustainable Finance for the Poor}}
		,
	author={{
			MRobinson
		}}
		
			,
	year={2001}
			,
	publisher={World Bank}
			,
	address={Washington, D.C.}
		
	

}

@book{b34,
	
	
		,
	title={{Microcredit No Panacea for Poor Women': Global Development Research Centre}}
		,
	author={{
			NScully
		}}
		
		
			,
	year={2004}
			,
	address={Washington}
		
	

}

@incollection{b35,
	
	
		,
	title={{Outcomes of an Ethiopian Microfinance Program and Management Actions to Improve Services}}
		,
	author={{
			DShannon
		} and {
			NDan
		} and {
			TShimeles
		} and {
			BGilbert
		}}
		
		
		
	
	
		,
	journal={{J. Microfinance}}
		
			7
			1
			,
	year={2005}
		
		
			Brigham Young University
		
	

}

@book{b36,
	
	
		,
	title={{Alternative Models of Microfinance: Experiences of India Commercial Banks, Saving and Development}}
		,
	author={{
			NShete
		}}
		
			,
	year={1999}
		
	

}

@incollection{b37,
	
	
		,
	title={{Appraising the Poverty Outreach of Microfinance: A Review of the CGAP Poverty Assessment Tool (PAT)}}
		,
	author={{
			ASimanowitz
		}}
	
	
		,
	journal={{Imp-Act Occasional Paper}}
		,
	editor={IDS. 40. Simanowitz, S}
		
			1
			,
	year={2003. 2002}
		
	
	,
	note={Microfinance for the Poorest: A Review of Issues and Ideas for Contributions f Imp-Act. Impact-Improving the Impact of Microfinance on Poverty}

}

@book{b38,
	
	
		,
	title={{Microfinance and Poverty Reduction}}
		,
	author={{
			JSusan
		} and {
			RBen
		}}
		
		
			,
	year={2002}
			,
	address={Oxfam}
		
	

}

@incollection{b39,
	
	
		,
	title={{The Return to Capital in Ghana}}
		,
	author={{
			CUdry
		} and {
			S
		}}
		
	
	
		,
	journal={{American Economic Review}}
		
			96
			2
			
			,
	year={2006}
		
	

}

@incollection{b40,
	
	
		,
	title={{Human Development Report'}}
	
	
		,
	journal={{UNDP}}
		
			,
	year={2003}
		
		
			Oxford University
		
	

}

@incollection{b41,
	
	
		,
	title={{Microfinance in Ethiopia: Performance Challenge and Role in Poverty Reduction. Association of Microfinance Intuitions}}
		,
	author={{
			AWoday
		}}
	
	
		,
	journal={{Occasional Paper}}
		
			7
			,
	year={2005}
		
	

}

@book{b42,
	
	
		,
	title={{Who Needs Credit? Poverty and Finance in Bangladesh}}
		,
	author={{
			GDWood
		} and {
			IASharif
		}}
		
		
			,
	year={1997}
			,
	publisher={Zed Books}
			,
	address={London}
		
	

}

@incollection{b43,
	
	
		,
	title={{Examining the Impact of Microfinance Services -Increasing Income or Reducing Poverty}}
		,
	author={{
			GA NWright
		}}
	
	
		,
	journal={{Small Enterprise Development}}
		
			10
			1
			
			,
	year={1999}
		
	

}

@incollection{b44,
	
	
		,
	title={{Role of Mosque in Socioeconomic Development: The Akhuwat Experience}}
		,
	author={{
			KZaheer
		}}
	
	
		,
	booktitle={{Conference Proceedings 24 th March}}
				
			,
	year={2011. March}
		
	

}