7[2]Garnaut R. and Wang C. ( 2000) :"The Rotating Credit Association: A'Middle Rung 'in Development ", Economic Developm ent and Cu ltu ral Chang e 10 (3) : pp. 241-263.
8[8]Dekle, R. and K. Hamada (2000) :"On the Development of Rotating Credit Association in Japan", Economic Development and Cultural Chang e: pp. 77-90.
9Germids et a1.Financial Systems and Development:What Role for the Formal and Informal Financial Sectors?OECD Development Center,Paris.1991.
