3Adams, D. W. and Fitchett, D. A. ( Eds. ), Informal Finance in Low-Income Countries Boulder, CO: Westview Press, 1992.
4Tang, S. , Informal Credit Markets and Economic Development in Taiwan, World Development, vol. 23 (5) :845 -855, 1995.
5Schreiner, M. , Informal Finance and the Design of Microfinance, Working Paper,2000a.
6Calomiris, C.W. and Rajaraman, I. The Role of ROSCAs: Lumpy Durables or Event Insurance?, Journal of Development Economics, 56:207 - 216,1998.
7Jain, S. , Symbiosis Vs. Crowding-out:The Interaction of Formal and Informal Credit Markets in Developing Countries, Journal of Development, 59:419 - 444,1999.
8Aleem, I. , Imperfect Iinformation , Screening and the Cost of Informal Lending: A Study of Rural Credit Markets in Pakistan, The World Bank Economic Review, 4 (3) ,329 - 349,1990