3Peter J.Montiel, Pierre-Richard Agenor(1994),Informa 1 Financial Markets in Developing Countries, Blackwell Publisher. Ivan Light and Michelle Pham (1998),Beyond creditworthy: Micro credit and Informal credit in the United States, Journal of developmental entrepreneurship,Uo 1.3,No. 1,Summer, 1998
6Besley and Levenson, 1996, The Role of Informal Finance in Household Capital Accumulation: Evidence from Taiwan. The Economic Journal, 106(January):39
