6Abhijit V. Banerjee, Timothy Besley and Timo the W.Guinnane," The Neighbor' s Keeper[J].The Design of a Credit Coorperative with Theory and Test",The Quarterly Journal of Economics, 1994,5.
7Rajesh Agrawal. Member-funds and cooperative performance[J]. The Quarterly Journal of Economies, 2002,109,5(2).
8JosephE. Stiglitz. Peer Monitoring and Credit Market[J].World Bank Economic Review, 1990,4(3).
9M Nigrini. The Changing Face of Microfinance: Transformation of NGOs into Regulated Financial Institutions Asian Development Bank:2004.