4Pitt, M M, Khandker, S R, 1998. The Impact of Group- based Credit Programs on Poor Household in Bangladesh: Does The Gender of Participants Matter? Journal of Political Economics. 106(5), 958-996.
5Qureshi, S, Nabi, I, Faruqee, R. 1999. Improving Rural Finance. Strategic Reforms for Agricultural Growth in Pakistan. The World Bank, Washington, DC.
6Binswanger, H P, Khandker, S R. 1995. The Impact of Formal Finance on The Rural Economy of India. Journal of Development Study, 32(2), 234--262.
7Ghate, P. 1992. Informal Finance: Some Findings from Asia. Oxford University Press, Oxford.
8Hulme, D, Mosley, P. (Eds), 1996. Finance Against Poverty. Routledge, London.
9Khandker, S R. 1988. Fighting Poverty with Microcredit: Experience in Bangladesh. Oxford University Press, New York.
10Pitt, M M, Khandker, S R. 1996. Household and Intra-household Impact of The Grameen Bank and Similar Target Credit Programs in Bangladesh. World Bank Discussion Paper No. 320, Washington, D C.
2CRAIG MCINTOSH,GONZALO VILLARAN,BRUCE WYDICK.Microfinance and Home Improvement:Using Retrospective Panel Data to Measure Program Effects on Fundamental Events[J].World Development,2011,39 (6):922-937.
3THORSTEN BECK,ASLI DEMIRGC(U)-KUNT,MARIA SOLEDAD,et al.Banking Services for Everyone? Barriers to Bank Access and Use around the World[J].World Bank Economic Review,2006,22(3):397-430.
4PAPIAS M M,GANESAN P.Financial Services Consumption Constraints:Empirical Evidence from Rwandan Rural Households[J].Journal of Financial Services Marketing,2010,15 (2):136-159.
5OBOH V U,KUSHWAHA S.Socio-economic Determinants of Farmers' Loan Size in Benue State,Nigeria[J].Journal of Applied Sciences Research,2009,5 (4):354-358.
6GEORGE MAWULI AKPANDJAR,PETER QUARTEY,JOSHUA ABOR.Demand for Financial Services by Households in Ghana[J].International Journal of Social Economics,2013,40(11):439-457.
7BOUCHER S,CARTER R M,GUIRKINGER C.Risk Rationing and Wealth Effects in Credit Markets:Theory and Implications for Agricultural Development[J].American Journal of Agricultural Economics,2008,90 (2):409-423.
8PAULO L,DOS SANTOS.A Cause for Policy Concern:The Expansion of Household Credit in Middle-income Economies[J].International Review of Applied Economics,2013,27 (3):316-338.
9THORSTEN BECK,MARTIN BROWN.Which Households Use Banks? Evidence from the Transition Economies[R].ECB Working Papers 1295,2011.