@incollection{,
	
					
					
					A946C4A26EA3B35C27D8F8B63EE993FD
				,
	author={{Dr. Paul A.Onyina} and {Pentecost University}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}1418595
}

@incollection{b0,
	
	
		,
	title={{Qualitative response models: A survey}}
		,
	author={{
			TAmemiya
		}}
	
	
		,
	journal={{Journal of Economic Literature}}
		
			19
			4
			
			,
	year={1981}
		
	

}

@incollection{b1,
	
	
		,
	title={{Does microcredit reach the poor and vulnerable? Evidence from northern Bangladesh}}
		,
	author={{
			SAmin
		} and {
			ASRai
		} and {
			GTopa
		}}
		
		
	
	
		,
	journal={{Journal of Development Economics}}
		
			70
			
			,
	year={2003}
		
	

}

@book{b2,
	
	
		,
	title={{The Economics of Microfinance}}
		,
	author={{
			ArmendárizDe Aghion
		} and {
			BMorduch
		} and {
			J
		}}
		
		
		
			,
	year={2005}
			,
	publisher={Massachusetts Institute of Technology Press}
			,
	address={Massachusetts}
		
	

}

@incollection{b3,
	
	
		,
	title={{Peer group formation in adverse selection model}}
		,
	author={{
			ArmendárizDe Aghion
		} and {
			BGollier
		} and {
			C
		}}
		
		
	
	
		,
	journal={{The Economic Journal}}
		
			110
			
			,
	year={2000}
		
	

}

@incollection{b4,
	
	
		,
	title={{Group lending, repayment incentives and social collateral}}
		,
	author={{
			TBesley
		} and {
			SCoate
		}}
		
	
	
		,
	journal={{Journal of Development Economics}}
		
			46
			
			,
	year={1995}
		
	

}

@incollection{b5,
	
	
		,
	title={{Group lending and individual lending with strategic default}}
		,
	author={{
			BBhole
		} and {
			SOgden
		}}
		
	
	
		,
	journal={{Journal of Development Economics}}
		
			91
			
			,
	year={2010. 2010}
		
	

}

@book{b6,
	
	
		,
	title={{Empowering women through microfinance}}
		,
	author={{
			SCheston
		} and {
			LKuhn
		}}
		
		
		
			,
	year={2002}
			,
	address={New York}
		
	

}

@incollection{b7,
	
	
		,
	title={{Robustness of Log it Analysis: Unobserved Heterogeneity and Mis-specifies Disturbances}}
		,
	author={{
			JSCramer
		}}
	
	
		,
	journal={{Oxford Bulletin of Economics and Statistics}}
		
			69
			4
			
			,
	year={2007}
		
	

}

@incollection{b8,
	
	
		,
	title={{The impact of lending to women on households vulnerability and women's empowerment: Evidence from India}}
		,
	author={{
			SGarikipati
		}}
	
	
		,
	journal={{World Development}}
		
			36
			
			,
	year={2008}
		
	

}

@incollection{b9,
	
	
		,
	title={{Group Lending, Local Information and Peer Selection}}
		,
	author={{
			MGhatak
		}}
	
	
		,
	journal={{Journal of Development Economics}}
		
			60
			1
			
			,
	year={1999}
		
	

}

@book{b10,
	
	
		,
	title={{Measuring the impacts of microfinance: Taking stock of what we know. Grameen Foundation USA Publication Series}}
		,
	author={{
			NGoldberg
		}}
		
			,
	year={2005}
			,
	address={Washington DC, Grameen Foundation USA}
		
	

}

@incollection{b11,
	
	
		,
	title={{An impact analysis of microfinance in Bosnia and Herzegovina}}
		,
	author={{
			VHartarska
		} and {
			DNadolnyak
		}}
		
	
	
		,
	journal={{World Development}}
		
			36
			
			,
	year={2008}
		
	

}

@incollection{b12,
	
	
		,
	title={{Rural Credit Programs and Women's Empowerment in Bangladesh}}
		,
	author={{
			SMHashemi
		} and {
			SRSchuler
		} and {
			APRiley
		}}
		
		
	
	
		,
	journal={{World Development}}
		
			24
			4
			
			,
	year={1996}
		
	

}

@incollection{b13,
	
	
		,
	title={{Impact assessment methodologies for microfinance: Theory, experience and better practice}}
		,
	author={{
			DHulme
		}}
	
	
		,
	journal={{World Development}}
		
			28
			1
			
			,
	year={2000}
		
	

}

@incollection{b14,
	
	
		,
	title={{Social connections and group banking}}
		,
	author={{
			DSKarlan
		}}
	
	
		,
	journal={{The Economic Journal}}
		
			117
			
			,
	year={2007. February}
		
	

}

@incollection{b15,
	
	
		,
	title={{Microfinance and poverty: Evidence using panel data from Bangladesh}}
		,
	author={{
			SRKhandker
		}}
	
	
		,
	journal={{World Bank Economic Review}}
		
			19
			2
			
			,
	year={2005}
		
	

}

@incollection{b16,
	
	
		,
	title={{Regulation and development: Group lending with adverse selection}}
		,
	author={{
			JJLaffont
		} and {
			TN'guessan
		}}
		
	
	
		,
	journal={{European Economic Review}}
		
			44
			
			,
	year={2000. 2000}
		
	

}

@book{b17,
	
	
		,
	title={{Microfinance services for very poor people: Promising approaches from the field and the US law's mandate to reach very poor people: What strategies are MFIs developing, and what do they mean for the rest of the field? -A Practitioner Survey}}
		,
	author={{
			JMaes
		} and {
			LFoose
		}}
		
		
			,
	year={2006. 2006}
			,
	address={Microcredit Summit Halifax}
		
		
			the SEEP Network Poverty Outreach Working Group
		
	

}

@incollection{b18,
	
	
		,
	title={{Impact of microfinance on schooling: Evidence from poor rural households in Bolivia}}
		,
	author={{
			JHMaldonado
		} and {
			CGonzales-Vega
		}}
		
	
	
		,
	journal={{World Development}}
		
			36
			11
			
			,
	year={2008}
		
	

}

@incollection{b19,
	
	
		,
	title={{The microfinance promise}}
		,
	author={{
			JMorduch
		}}
	
	
		,
	journal={{Journal of Economic Literature}}
		
			37
			4
			
			,
	year={1999}
		
	

}

@incollection{b20,
	
	
		,
	title={{The microfinance schism}}
		,
	author={{
			JMorduch
		}}
	
	
		,
	journal={{World Development}}
		
			28
			4
			
			,
	year={2000}
		
	

}

@incollection{b21,
	
	
		,
	title={{The impact of group-based credit programs on poor households in Bangladesh: Does the gender of participants matter}}
		,
	author={{
			MMPitt
		} and {
			SRKhandker
		}}
		
	
	
		,
	journal={{The Journal of Political Economy}}
		
			106
			
			,
	year={1998}
		
	

}

@incollection{b22,
	
	
		,
	title={{Empowering women with micro finance: Evidence from Bangladesh}}
		,
	author={{
			MMPitt
		} and {
			SRKhandker
		} and {
			JCartwright
		}}
		
		
	
	
		,
	journal={{Economic Development and Cultural Change}}
		
			54
			4
			
			,
	year={2006}
		
	

}

@incollection{b23,
	
	
		,
	title={{Credit programs for the poor and the health status of children in rural Bangladesh}}
		,
	author={{
			MMPitt
		} and {
			SRKhandker
		} and {
			OHChowdhury
		} and {
			DLMillimet
		}}
		
		
		
	
	
		,
	journal={{International Economic Review}}
		
			44
			1
			
			,
	year={2003}
		
	

}

@book{b24,
	
	
		,
	title={{Microfinance through the next decade: Visioning the Who, what, where, when and how}}
		,
	author={{
			ERhyne
		} and {
			MOtero
		}}
		
		
			,
	year={2006}
			,
	address={Boston US, ACCION International}
		
	

}

@incollection{b25,
	
	
		,
	title={{Ensuring impact: Reaching the poorest while building financially selfsufficient institutions, and showing improvement in the lives of the poorest women and their families}}
		,
	author={{
			ASimanowitz
		} and {
			AWalter
		}}
		
		
	
	
		,
	booktitle={{10-13 November. Available at}}
				New York
		
			,
	year={2002}
			5
		
	
	,
	note={Unpublished background paper for the Microcredit Summit}

}

@incollection{b26,
	
	
	
	
		,
	booktitle={{Sinapi Aba Trust}}
				
			,
	year={2007}
		
	

}

@incollection{b27,
	
	
		,
	title={{Sinapi Aba Trust: Transforming Lives through Micro Finance}}
	
	
		,
	booktitle={{Sinapi Aba Trust}}
				Kumasi
		
			,
	publisher={Sinapi Aba Trust}
			,
	year={2009a}
		
	

}

@incollection{b28,
	
	
		,
	title={{Sinapi Aba Trust}}
	
	
		,
	booktitle={{Sinapi Aba Trust. 2009b, the Sinapi Aba Trust}}
				Kumasi
		
			,
	year={November 2009}
		
	
	,
	note={www.sinapiaba.com}

}

@incollection{b29,
	
	
		,
	title={{Village banking and maternal and child care health: Evidence from Ecuador and Honduras}}
		,
	author={{
			SCSmith
		}}
	
	
		,
	journal={{World Development}}
		
			30
			4
			
			,
	year={2002}
		
	

}

@incollection{b30,
	
	
		,
	title={{Peer monitoring and credit markets}}
		,
	author={{
			JEStiglitz
		}}
	
	
		,
	journal={{The World Bank Economic Review}}
		
			4
			3
			
			,
	year={1990}
		
	

}