1H D Seibel, & B P Shrestha (1988), "Dhikuti: The small businessman' s informal self- help bank in Nepal", Savings & Development (Milan) 12(2) : 183 - 200.
2H D Seibel(1999a), "Informal finance: Origins, evolutionary trends and donor options", IFAD Rural Finance working paper series, No. A3. (Revised, 2000).
3H D Seibel & H Schrader( 1999b), "From informal to formal finances: The transformation of an indigenous institution in Nepal",IFAD Rural Finance working paper series, No. B4.
4World Bank(1997), "Informal financial markets and financial intermediation in four African countries", Findings: Africa region,NO. 79.
5G Dimitri(1990), "Interlinking the formal and informal financial sectors in developing countries", Savings & Development XIV(1).
6S Hari(1991), "Viability of urban informal credit to finance low income- homing: A case study of three squatter settlements in Bangalore, India", unpublished masters thesis, Asian Institute of Technology, Bangkok, Thailand.
7S Hari & Y Higuchi (1996), "A continuum of informality of credit: What can informal lenders teach us?" Savings & Developmerit XX(2).
8M Aliber (2002), "Informal finance in the informal economy: Promoting decent work among the working poor", working paper,International Labor Organization.
9M Schreiner(2000), "Informal finance and the design of microfinance", Development in Practice 11(5): 637-40.
10G Christensen(1993), "The limits to informal financial intermediation", World Development 21(5):721 - 31.
