5Chandavarkar A G ; The Non- Institutional Financial Sector in Developing Cotmtries: Macroeconomic Implications for Savings Policies, Savings and Development,No. 2, 1985.
6Seibel,H.D.& Bishnu P.Shrestha, 1988: Dhikuti : The Small Businessman' s Informal Self- Help Bank in Nepal .Savings and Development (Milan) Vol. 12 No.2:183-200.
7Hans Dieter Seibet, Informal Finance : Origins, Evolutionary Tren& and Donor Options, WAD Rural finance working paper series, No. A3.1999a ( Revised February 2000).
8Hans 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.
9Dale Adams & Delbert Fitchett, Informal Finance in Low - Income Countries, Westview Press, 1992.
10World Bank, Informal Financial Markets and Financial Intermediation in Four Aftican Countries, Findings: Mrica region,N0.79, January 1997.
