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9Hans Dieter Seibet, Informal Finance : Origins, Evolutionary Tren& and Donor Options, WAD Rural finance working paper series, No. A3.1999a ( Revised February 2000).
10Hans Dieter Seibet & Helko Schrader, From Informal to Formal Finances: The Transformation of an Indigenous Institution in Nepal, WAD Rural finance working paper series, No, B4, August 1999b.
