@incollection{,
	
					
					
					762E2BF3488EE67A21FFA9C56098BDE4
				,
	author={{Munyua CyrusMwangi} and {Karatina  University}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}1684751
}

@incollection{b0,
	
	
		,
	title={{The Market for Lemons: Qualitative Uncertainty and the Market Mechanism}}
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	author={{
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			George
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	title={{Sovereign Debt: Is to Forgive to Forget?}}
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			HaroldLCole
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	year={1997}
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@incollection{b3,
	
	
		,
	title={{Too Much Investment: A Problem of Asymmetric Information}}
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			David
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		,
	title={{Efficient Credit Rationing}}
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			David
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@incollection{b5,
	
	
		,
	title={{Debt with Potential Repudiation: Theoretical and Empirical Analysis}}
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	author={{
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	journal={{Review of Economic Studies}}
		
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		,
	title={{Profit for the Poor -Cases in Micro -Finance}}
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	author={{
			MalcolmHarper
		}}
		
			,
	year={1998}
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	publisher={Intermediate Technology Publications}
		
	

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		,
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	author={{
			RoyHarrod
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@incollection{b9,
	
	
		,
	title={{A Theory and Test of Credit Rationing}}
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	author={{
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@incollection{b10,
	
	
		,
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			DwightJaffee
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			ThomasRussell
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@book{b11,
	
	
		,
	title={{}}
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	author={{
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	year={2009}
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	address={New York Times}
		
	

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@book{b12,
	
	
		,
	title={{Economics of the mortgage market: perspectives on household decision making}}
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	author={{
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			David
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	year={2004}
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	publisher={Wiley-Blackwell}
			
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@book{b13,
	
	
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	title={{Microfinance handbook: an institutional and financial perspective}}
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	author={{
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	year={1998}
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	address={Washington, D.C}
		
	

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		,
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			&Morduch
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			Jonathan
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@book{b15,
	
	
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	title={{The Yin and Yang of Microfinance: Reaching the Poor and sustainability}}
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	author={{
			&Rhyne
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			Elisabeth
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	year={1998}
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	publisher={Micro Banking Bulletin}
			
		
	

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@incollection{b16,
	
	
		,
	title={{Microcredit Interest Rates}}
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	author={{
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		} and {
			Richard
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}

@incollection{b17,
	
	
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	title={{Equilibrium in Competitive Insurance Markets}}
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	author={{
			Michael&Rothschild
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			JosephStiglitz
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@incollection{b18,
	
	
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	title={{Credit Rationing in Markets with Imperfect Information}}
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			Joseph&Stiglitz
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			AndrewWeiss
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	title={{CARE Savings and Credit Sourcebook definitions for the whole article are based on class notes by Anton Korinek}}
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	author={{
			CharlesWaterfield
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			AnnDuval
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	year={1996}
		
		
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@book{b20,
	
	
		,
	title={{Microfinance & Poverty Reduction: The Experience of Ghana}}
		,
	author={{
			KJAdjei
		}}
		
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	year={2010}
		
	

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@book{b21,
	
	
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	title={{As Economy Flounders, Do we see A Rise in Problem Loans}}
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	author={{
			AltonRG & Hazen
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			J
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	year={2001}
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	address={Federal Reserve Bank of St Louis}
		
	

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@book{b22,
	
	
		,
	title={{The journey of Indian Microfinance}}
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	author={{
			RSArunachalam
		}}
		
			,
	year={2011}
		
	

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	author={{
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			VOsei
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	title={{Microfinance in Ghana: An overview}}
				
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	year={2007}
		
	

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	title={{Treatment of Non performing Loans in Macroeconomic statistics}}
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	author={{
			MBloem
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			NGorter
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	title={{Bank Insolvency-Bad Luck, Bad Policy or Bad Banking}}
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	author={{
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			Jr
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@book{b26,
	
	
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	title={{Microfinance: Developing Paths to Self-sufficiency}}
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	author={{
			ADaniel
		}}
		
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	year={2008}
		
	

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@book{b27,
	
	
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	author={{
			ISEgyir
		}}
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	title={{Rural Women and Microfinance in Ghana: Challenges and Prospects}}
				
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	year={2010}
		
	

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	title={{Non Performing loans in sub-Saharan Africa: Causal Analysis and Macroeconomic implications}}
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	title={{Microfinance Default Rate in Ghana: Evidence from Individual Liability credit contract}}
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	author={{
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	title={{In-House Training in Accounting for non-accountants for credit officers}}
	
	
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	title={{Annual Report and Financial Statement; Guidelines for Regulating Microfinance operations in Ghana, BOG}}
				
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	title={{Annual Reports and Financial statement}}
				
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	title={{Effects and (in)tractability of decentralized corruption. Working paper}}
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@incollection{b37,
	
	
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	title={{Can micro-credit bring development}}
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	author={{
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	title={{Luck or skill? MFI performance in macroeconomic context}}
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@book{b39,
	
	
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	title={{The Economics of Microfinance}}
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	author={{
			ABeatriz
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			JJMorduch
		}}
		
		
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	year={2005}
			,
	publisher={MIT Press}
			,
	address={Cambridge MA}
		
	

}

@incollection{b40,
	
	
		,
	title={{Invisible hand: Entrepreneur gets big banks to back very small loans}}
		,
	author={{
			BEric
		}}
	
	
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	journal={{Wall Street Journal}}
		
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	year={May 15, 2006}
		
	

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@incollection{b41,
	
	
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	title={{The regulation of labor}}
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	author={{
			JuanC B
		} and {
			SDjankov
		} and {
			RafaelL P
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			Florencio
		} and {
			AndreiS
		}}
		
		
		
		
	
	
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			,
	year={2004. November 2004}
		
	

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@incollection{b42,
	
	
		,
	title={{The impact of inflation on financial sector performance}}
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	author={{
			JohnH B
		} and {
			RossLevine
		} and {
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	year={April 2001}
		
	

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@incollection{b43,
	
	
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	title={{The design of successful rural financial intermediaries}}
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	author={{
			RodrigoA
		} and {
			ClaudioG
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	year={1996. January 1996}
		
	

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@incollection{b44,
	
	
		,
	title={{Financial performance and outreach: A global analysis of leading microbanks}}
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	author={{
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			DAsli
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	journal={{Economic Journal}}
		
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	year={February 2007}
		
	

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@incollection{b45,
	
	
		,
	title={{The determinants of banking crises in de-veloping and developed countries}}
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	author={{
			D-Kunt &Asli
		} and {
			DEnrica
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	year={March 1998}
		
	

}