5Banerjee, A., Besley, T., and T. Guimmane,: The Neighbors' keeper: the design of a credit cooperative with theory and a test, Quarterly Journal of Economics, Vol109 : 491 -515, 1994.
6Kochar, A. : An Empirical Investigation of Rationing Constraints in Rural Credit Markets in Indian, Journal of Development E-conomics. Vol. 53 : 339 -371,1997.
7Greenwood, J. & Jovanovic, B. 1990. "Financial Development, Growth, And The Distribution Of Income," University of Western Ontario,The Centre for the Study of International Economic Relations Working Papers 9002, University of Western Ontario, The Centre for the Study of Interna- tional Economic Relations.
8Rajan, 1L G. , and Zingales, L. 1998b. Stock Markets, Banks, and Economic Growth. American Economic Review 88 (3), 537 -58.
9Galor, Zeim &Joseph. 1993. "Income Distribution and Macmeconomies," Review of Economic Studies, Blaekwell Publishing, vol. 60(1), 35-52.
10Rajan, IL , and L Zing'ales. 1998, Financial dependence and growth, American Economic Review 88, 559 -586.
