@incollection{,
	
					
					
					A915C5C4497708FB74C83BA8E01C903D
				,
	author={{SanaullahNoonari} and {Sindh Agriculture University}},
	journal={{Global Journal of Human Social Sciences}},
	journal={{GJHSS}}2249-460X0975-587X10.34257/GJHSS,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}1552539
}

@book{b0,
	
	
		,
	title={{Microfinance Route to Income Generation and Poverty Reduction: Evidence from District Faisalabad, Pakistan}}
		,
	author={{
			FAbbas
		} and {
			MNaeem
		} and {
			Sarwar
		} and {
			SajidHussain
		}}
		
		
		
		
			,
	year={2005. 1813 2235/2005/01-2-144-147}
		
	
	,
	note={Journal of agriculture & social sciences}

}

@incollection{b1,
	
	
		,
	title={{Impact of micro-credit on poverty alleviation and agricultural production -A case study of NRSP, D.G. Khan region [Pakistan])}}
		,
	author={{
			SAAdil
		} and {
			HBadar
		}}
		
	
	
		,
	journal={{Journal of Agricultural Research . v}}
		
			41
			3-4
			
			,
	year={2003}
		
	

}

@book{b2,
	
	
		,
	title={{Utilizing micro-credit for sustainable agricultural rural development}}
		,
	author={{
			MuradAli
		} and {
			TabindaQaiser
		}}
		
		
		
			,
	year={2011. 1st February 2012}
		
	

}

@book{b3,
	
	
		,
	title={{The Impact of Microfinance on Poor Women: A case study of Dedebit Credit and Saving Institution (DECSI) in the Eastern Zone of Tigray}}
		,
	author={{
			AregawiDesta
		} and {
			Tesfay
		}}
		
		
			,
	year={2003}
		
		
			Addis Ababa University: School of Graduate Studies, Regional and Local Development Studies
		
	
	,
	note={Unpublished Thesis}

}

@incollection{b4,
	
	
		,
	title={{Role of micro finance in alleviating rural poverty: A Case Study of Khushhali Bank Programin Rahim Yar Khan-Pakistan}}
		,
	author={{
			SAhmad
		} and {
			MSNaveed
		} and {
			AGhafoor
		}}
		
		
	
	
		,
	journal={{Int. J. Agric. Biol}}
		
			6
			
			,
	year={2004. 2001}
		
	

}

@incollection{b5,
	
	
		,
	title={{The role of agricultural credit in the growth of livestock sector: A case study of Faisalabad}}
		,
	author={{
			NAbedullah
		} and {
			MKhalid
		} and {
			SKouser
		}}
		
		
	
	
		,
	journal={{Pakistan Veterinary Journal}}
		
			29
			2
			
			,
	year={2009}
		
	

}

@incollection{b6,
	
	
		,
	title={{Socioeconomic determinants of cocoyam production among small holder farmers in Ekiti state}}
		,
	author={{
			TAAmusa
		} and {
			AAEnete
		} and {
			UEOkon
		}}
		
		
	
	
		,
	journal={{Nigeria. International Journal of Agricultural Economics & Rural Development}}
		
			4
			2
			
			,
	year={2011}
		
	

}

@book{b7,
	
	
		,
	title={{Fighting poverty with microcredit: experience in Bangladesh}}
		,
	author={{
			Alam
		}}
		
			,
	year={1988}
			,
	publisher={Oxford University Press}
			,
	address={UK}
		
	

}

@incollection{b8,
	
	
		,
	title={{Balochistan Board of Investment, Government of the Balochistan}}
	
	
		,
	journal={{BBI}}
		
			,
	year={2013}
		
	

}

@incollection{b9,
	
	
		,
	title={{Balochistan Rural Support Programme}}
	
	
		,
	journal={{BRSP.org.pk. Retrieved}}
		
			,
	year={2013. 9 August 2013}
		
	
	,
	note={BRSP}

}

@incollection{b10,
	
	
		,
	title={{A study in agricultural backwardness under semi-feudalism}}
		,
	author={{
			ABhaduri
		}}
	
	
		,
	journal={{The Economic Journal}}
		
			83
			1
			
			,
	year={1973}
		
	

}

@incollection{b11,
	
	
		,
	title={{A cooperative credit society's impact on credit demand in agricultural production}}
		,
	author={{
			ABhulmall
		}}
	
	
		,
	journal={{Economic Affairs (Calcutta)}}
		
			45
			
			,
	year={2000. 2005}
		
	
	,
	note={Micro Credit and Women's Empowerment. World Pr out Assembly}

}

@book{b12,
	
	
		,
	title={{Performance of Micro-Finance Providers in Karnataka}}
		,
	author={{
			IBBhuvan
		}}
		
			,
	year={2007}
			,
	address={Dharwad}
		
		
			University of Agricultural Sciences
		
	
	,
	note={Unpublished Thesis}

}

@incollection{b13,
	
	
		,
	title={{Microfinance: A Comprehensive Review of the Existing Literature}}
		,
	author={{
			JamesCBrau
		} and {
			GaryMWoller
		}}
		
	
	
		,
	journal={{Journal of Entrepreneurial Finance and Business Ventures}}
		
			9
			1
			
			,
	year={2004. 2004}
		
	

}

@book{b14,
	
	
		,
	title={{Group Lending: Learning from The International Experience. Urban and Regional Planning Economic Development Handbook}}
		,
	author={{
			Christen
		} and {
			EDelgado
		}}
		
		
			,
	year={2005}
		
		
			University of Michigan. Taubman College of Architecture and Urban Planning
		
	

}

@incollection{b15,
	
	
		,
	title={{Effects of short term credit advanced by ZTBL for enhancement of crop productivity and income of growers}}
		,
	author={{
			MFayaz
		} and {
			DJan
		} and {
			AUJan
		} and {
			BHussain
		}}
		
		
		
	
	
		,
	journal={{Journal of Agricultural and Biological Science}}
		
			1
			4
			
			,
	year={2000}
		
	

}

@incollection{b16,
	
	
		,
	title={{Impact of microfinance on smallholder farm productivity in Tanzania: The case of Iramba district}}
		,
	author={{
			FGirabi
		} and {
			AE GMwakaje
		}}
		
	
	
		,
	journal={{Asian Economic and Financial Review}}
		
			3
			2
			
			,
	year={2013}
		
	

}

@incollection{b17,
	
	
		,
	title={{Initiated with the support of GTZ}}
		,
	author={{
			BrspGtz
		}}
	
	
		,
	journal={{PPinewsagency.com. Retrieved}}
		
			,
	year={9 August 2013}
		
	

}

@incollection{b18,
	
	
		,
	title={{Agriculture: Economic Survey of Pakistan}}
	
	
		,
	booktitle={{Ministry of Food and Agriculture}}
				Government of Pakistan, Islamabad
		
			,
	year={2013. 2013}
		
	

}

@book{b19,
	
	
		,
	title={{Balochistan Development Statistics, Government of the Balochistan}}
		,
	author={{
			Government Of Balochistan
		}}
		
			,
	year={2013}
			,
	address={Quetta}
		
	

}

@book{b20,
	
	
		,
	title={{Economic Survey of Pakistan 2002-03, Finance Division, Islamabad. 23. Government of Punjab}}
		,
	author={{
			Government Of Pakistan
		}}
		
			,
	year={2003. 2002}
			,
	address={Lahore}
		
		
			Punjab Development Statistics, Bureau of Statistics, Government of the Punjab
		
	

}

@incollection{b21,
	
	
		,
	title={{Accrss to microcredit and its impact on farm profit among rural farmers in dryland of Sudan}}
		,
	author={{
			Gay
		}}
	
	
		,
	journal={{Global Advanced Research Journal}}
		
			2
			3
			
			,
	year={2010}
		
	

}

@book{b22,
	
	
		,
	title={{Bangladesh Economic Review, Economic Adviser's Wing, Finance Division, Ministry of Finance}}
		,
	author={{
			Gob
		}}
		
			,
	year={2010}
		
		
			Government of Peoples Republic of Bangladesh
		
	

}

@book{b23,
	
	
		,
	title={{}}
		,
	author={{
			GrameenBank Website
		}}
		
		
			,
	year={11th February 2012}
		
	

}

@book{b24,
	
	
		
		,
	title={{Grameen Bank Wikipedia Article. Retrieved}}
				Ageba
		
			,
	year={11th February 2012. 1989}
		
	

}

@book{b25,
	
	
		,
	title={{Does Micro credit Programs in Bangladesh Increase Household ability to Deal with Economic Hardships}}
		,
	author={{
			Hossain
		} and {
			SeerajulHoque
		}}
		
		
		
			,
	year={2002}
		
	

}

@incollection{b26,
	
	
		,
	title={{The Impact of Microfinance on Decision-Making Agency: Evidence from South India}}
		,
	author={{
			NathalieHolvoet
		}}
	
	
		,
	journal={{Development and Change}}
		
			36
			1
			
			,
	year={2005}
		
	

}

@incollection{b27,
	
	
		,
	title={{Microfinance, efficiency and agricultural production in Bangladesh. (Unpublished master's thesis)}}
		,
	author={{
			KM ZIslam
		}}
	
	
		,
	journal={{Agricultural Economics Unit}}
		
			,
	year={2011}
		
		
			Department of Economics and Management, University of Helsinki
		
	

}

@incollection{b28,
	
	
		,
	title={{Technical, economic and allocative efficiency of microfinance borrowers and non-borrowers: evidence from peasant farming in Bangladesh}}
		,
	author={{
			ZIslam
		} and {
			SBäckman
		} and {
			JSumelius
		}}
		
		
	
	
		,
	journal={{European Journal of Social Sciences}}
		
			18
			3
			36
			,
	year={2011}
		
	

}

@book{b29,
	
	
		,
	title={{The Impact of New Credit and Savings Opportunities for Women}}
		,
	author={{
			Ifad
		} and {
			Pakistan
		}}
		
		
			,
	address={Rome, Italy}
		
	

}

@incollection{b30,
	
	
		,
	title={{Impact assessment of microcredit programme of PRSP on crop productivity}}
		,
	author={{
			MSJaved
		} and {
			SHassan
		} and {
			SAAdil
		} and {
			ASAhmad
		} and {
			MW AChattah
		} and {
			ZNawaz
		}}
		
		
		
		
		
	
	
		,
	journal={{Pakistan Journat of Agrcultural. Science}}
		
			43
			
			,
	year={2006}
		
	

}

@incollection{b31,
	
	
		,
	title={{An Evaluation of Micro Credit Schemes of Small and Medium Enterprise Development Authority (SMEDA)}}
		,
	author={{
			SSJaffar
		} and {
			KJaved
		} and {
			TELodhi
		}}
		
		
	
	
		,
	journal={{J. Anim. Pl. Sci}}
		
			16
			3-4
			,
	year={2006. 2006}
		
	

}

@incollection{b32,
	
	
		,
	title={{Raising farm productivity through agricultural credit (A Case Study of Zarai Tarraqiati Bank of Pakistan Limited)}}
		,
	author={{
			NJehanzeb
		}}
	
	
		,
	journal={{Sarhad Journal of Agriculture}}
		
			24
			4
			,
	year={2008. 2008}
		
	

}

@book{b33,
	
	
		,
	author={{
			KoomsaKebede
		}}
		,
	title={{Agricultural Credit Analysis. National Agricultural Policy Workshop}}
				
			,
	year={1995}
		
	

}

@incollection{b34,
	
	
		,
	title={{The Impact of Micro Credit on Livestock Enterprise Development in District Abbottabad (A Case of SRSP Micro Credit Programme)}}
		,
	author={{
			NaushadKhan
		}}
	
	
		,
	journal={{Sarhad Journal of Agriculture}}
		
			23
			4
			,
	year={2007. 2007}
		
	

}

@incollection{b35,
	
	
		,
	title={{Review of past literature on agriculture credit in rural area of Pakistan}}
		,
	author={{
			NKhan
		} and {
			MMShafi
		} and {
			MShah
		} and {
			ZIslam
		} and {
			MArif
		} and {
			RJaved
		} and {
			NShah
		}}
		
		
		
		
		
		
	
	
		,
	journal={{Sarhad Journal of Agriculture}}
		
			27
			1
			
			,
	year={2011}
		
	

}

@book{b36,
	
	
		,
	title={{Fighting poverty with microcredit: experience in Bangladesh}}
		,
	author={{
			SRKhandker
		}}
		
			,
	year={1998}
			,
	publisher={Oxford University Press}
			,
	address={UK}
		
	

}

@incollection{b37,
	
	
		,
	title={{Review of Past Literature on Agriculture Credit in Rural Area of Pakistan}}
		,
	author={{
			NaushadKhan
		}}
	
	
		,
	journal={{Sarhad Journal of Agriculture}}
		
			27
			1
			,
	year={2011. 2011}
		
	

}

@book{b38,
	
	
		,
	title={{The Impact of Microfinance. Retrieved on}}
		,
	author={{
			ShahidKhandker
		} and {
			HassanZaman
		}}
		
		
		
			,
	year={2011. 12th February 2012}
		
	

}

@book{b39,
	
	
		,
	title={{The Impact of Microfinance on Rural Poor Households' Income And Vulnerability To Poverty: Case Study Of Makueni District}}
		,
	author={{
			JoyMKiiru
		}}
		
			,
	year={2007}
			,
	address={Kenya}
		
		
			University of Bonn
		
	
	,
	note={Unpublished PhD thesis}

}

@incollection{b40,
	
	
		,
	title={{Impact of UNDP microfinance programme on poverty Alleviation among farmers in selected local government areas of Kaduna State}}
		,
	author={{
			TMKudi
		}}
	
	
		,
	journal={{Nigeria. International Journal of Sociology and Anthropology}}
		
			1
			6
			
			,
	year={2009}
		
	

}

@incollection{b41,
	
	
		,
	title={{Utilization of Micro-credit by the Female Community : A case study of Azad Jammu and Kashmir (Pakistan)}}
		,
	author={{
			ETLodhi
		} and {
			ALuqman
		} and {
			AJaved
		} and {
			MAsif
		}}
		
		
		
	
	
		,
	journal={{International Journal of Agriculture}}
		
			,
	year={2006. 2006/08}
		
	

}

@incollection{b42,
	
	
		,
	title={{Microcredits and Agricultural Productivity in Ogun State}}
		,
	author={{
			MarcusOmobolanle
		} and {
			Nosiru
		}}
		
	
	
		,
	journal={{Nigeria. WJAS World J. Agric. Sci}}
		
			6
			3
			
			,
	year={2010. 2010}
		
	

}

@incollection{b43,
	
	
		,
	title={{Tackling the Down Side: Social Capital, Women"s Empowerment and Micro-Finance in Cameroon}}
		,
	author={{
			LMayoux
		}}
	
	
		,
	journal={{Development and Change}}
		
			32
			3
			
			,
	year={2001}
		
	

}

@incollection{b44,
	
	
		,
	title={{Simulating the impact of Policy upon Chronic and Transitory Poverty in Rural Pakistan}}
		,
	author={{
			NeilMcculloch
		} and {
			BBaulch
		}}
		
	
	
		,
	journal={{Journal of Development Studies}}
		
			36
			6
			,
	year={2009}
		
	

}

@incollection{b45,
	
	
		,
	title={{Does Microfinance Really Help the Poor? NewEvidence from Flagships Programmes in Bangladesh}}
		,
	author={{
			JMorduch
		}}
	
	
		,
	journal={{Dept. Of Economics and HIID}}
		
			,
	year={2002}
		
		
			Harvard University and Hoover Institution, Stanford University
		
	

}

@incollection{b46,
	
	
		,
	title={{Role of Punjab Rural Support Programme in increasing economic status and poverty alleviation efforts in rural Faisalabad}}
		,
	author={{
			ZManzoor
		} and {
			SAkhtar
		}}
		
	
	
		,
	journal={{Journal of Agriculture & Social Sciences}}
		
			,
	year={2006. 1813-2235/2006/02-2-110-111}
		
	

}

@incollection{b47,
	
	
		,
	title={{Economic Impact of Micro Finance on Borrowers: Evidence from Punjab}}
		,
	author={{
			RizwanMushtaq
		}}
		10.2139/ssrn.1898376
		
	
	
		,
	journal={{Pakistan. Available at}}
		
			,
	year={2011}
		
	

}

@incollection{b48,
	
	
		,
	title={{Differential access and the rural credit market in pakistan: Some recent evidence}}
		,
	author={{
			SJMalik
		} and {
			MMushtaq
		} and {
			MGill
		}}
		
		
	
	
		,
	journal={{The Pakistan Development Review}}
		
			28
			4
			
			,
	year={1989}
		
	

}

@book{b49,
	
	
		,
	title={{Microcredit and crop agriculture: New approachs, technologies and other innovation to address food insecurity among the poor}}
		,
	author={{
			CMiller
		}}
		
			,
	year={2011. 2011}
		
	

}

@book{b50,
	
	
		,
	title={{Global Microcredit}}
				Summit Valladolid, Spain
		
	

}

@book{b51,
	
	
		,
	title={{Poverty and Rural Credit: The Case of Pakistan}}
		,
	author={{
			SJMalik
		} and {
			HinaNazli
		}}
		
		
			,
	year={1999}
			,
	publisher={PIDE Publication}
		
	

}

@incollection{b52,
	
	
		,
	title={{Challenge to the orthodoxy concerning micro finance and poverty reduction}}
		,
	author={{
			Miah
		} and {
			AnnaMarr
		}}
		
	
	
		,
	journal={{Micro Finance Journal}}
		
			5
			2
			,
	year={2006}
		
	

}

@book{b53,
	
	
		,
	author={{
			JonathanMorduch
		}}
		,
	title={{Does Microfinance really help the poor? New Evidence from Flagship Programs in Bangladesh}}
				
			,
	year={1998. August 2005}
			20
		
	

}

@book{b54,
	
	
		,
	title={{Micro enterprise finance: Is there a conflict between growth and poverty alleviation? World Development}}
		,
	author={{
			PaulMosely
		} and {
			HulmeDavid
		}}
		
		
			,
	year={1998}
			26
			
		
	

}

@book{b55,
	
	
		,
	title={{Analysis of the effects of microfinance on poverty reduction}}
		,
	author={{
			JMorduch
		} and {
			BHaley
		}}
		
		
			,
	year={2002}
			,
	address={New York}
		
		
			NYU Wagner Working Paper
		
	

}

@book{b56,
	
	
		,
	title={{An investigation into effectiveness of micro-credit programme of AKRSP: A case study of three villages of sub-division Hunza of district Gilgit}}
		,
	author={{
			WMuhammad
		}}
		
			,
	year={2003}
			,
	address={Bangladesh}
		
		
			Agriculture University
		
	
	,
	note={Unpublished master's thesis}

}

@incollection{b57,
	
	
		,
	title={{Microcredits and agricultural productivity in Ogun State}}
		,
	author={{
			MONosiru
		}}
	
	
		,
	journal={{Nigeria. World Journal of Agricultural Sciences}}
		
			6
			3
			
			,
	year={2010}
		
	

}

@incollection{b58,
	
	
		,
	title={{Impact assessment of microcredit programme of PRSP on crop productivity}}
		,
	author={{
			Nazli
		} and {
			MKShah
		}}
		
	
	
		,
	journal={{Pakistan Journat of Agrcultural. Science}}
		
			43
			
			,
	year={2006}
		
	

}

@incollection{b59,
	
	
		,
	title={{Econometric analysis of credit and farm resource technical efficiences' determinants in Cassava farms in Kogi State}}
		,
	author={{
			AOOnoja
		} and {
			MIbrahim
		} and {
			AAchike
		}}
		
		
	
	
		,
	booktitle={{A diagnostic and stochastic frontier approach}}
				Nigeria
		
			,
	year={2009}
		
	

}

@incollection{b60,
	
	
		,
	title={{The effect of rural non-farm sector: A case study of Suma Rural Bank in the Jaman District}}
		,
	author={{
			AOsei-Mensah
		} and {
			SAdams
		}}
		
	
	
		,
	journal={{Journal of Business and Enterprise Development}}
		
			
			,
	year={2009}
		
	

}

@book{b61,
	
	
		,
	title={{Household and Intra-household Impact of the Grameen Bank and Similar Targeted Credit Programs in Bangladesh}}
		,
	author={{
			MarkPitt
		} and {
			ShahidurRKhandker
		}}
		
		
			,
	year={1996}
			,
	address={Washington, D.C}
		
	

}

@book{b62,
	
	
		,
	title={{Role of Micro-credit in Economic Revival and Poverty Alleviation}}
		
			,
	year={May 21, 2001}
		
	
	,
	note={Business and Finance Review. The Daily "The News}

}

@incollection{b63,
	
	
		,
	title={{What can Microfinance contribute to Agriculture in Developing Countries?}}
		,
	author={{
			MRoux
		}}
	
	
		,
	booktitle={{Proceedings from the International conference}}
				from the International conferenceParis
		
			,
	year={2008}
			
		
	

}

@book{b64,
	
	
		,
	title={{Microfinance and Poverty Alleviation: Case studies from Asia and the Pacific}}
		,
	author={{
			JoeRemenyi
		} and {
			BenjaminQuinones
		}}
		
		
			,
	year={2000}
			79
			
			,
	address={New York}
		
	

}

@book{b65,
	
	
		,
	title={{The Microfinance Revolution: Sustainable Finance for the Poor}}
		,
	author={{
			SRobinsons
		}}
		
			,
	year={2001}
			,
	address={Washington D.C}
		
	

}

@book{b66,
	
	
		,
	title={{Micro-credit initiatives for equitable and sustainable development: Who pays? World development}}
		,
	author={{
			ARahman
		}}
		
			,
	year={1999}
			27
			
		
	

}

@book{b67,
	
	
		,
	title={{Rethinking rural poverty: Bangladesh as a case study}}
		,
	author={{
			HZRahman
		} and {
			MHossain
		}}
		
		
			,
	year={1995}
			,
	publisher={Sage Publications India Pvt Ltd}
		
	

}

@incollection{b68,
	
	
		,
	title={{The Impact of agricultural credit on agricultural productivity in Dera Ismail Khan (District) Khyber Pakhtonkhawa Pakistan}}
		,
	author={{
			MASaleem
		} and {
			FAli-Jan
		}}
		
	
	
		,
	journal={{European Journal of Business and Management}}
		
			3
			
			,
	year={2011}
		
	

}

@incollection{b69,
	
	
		,
	title={{Impact of agricultural credit on farm productivity and income of farmers in mountainous agriculture in northern Pakistan: A case study of selected villages in district Chitral}}
		,
	author={{
			MKShah
		} and {
			HKhan
		} and {
			Jehanzeb
		} and {
			ZKhan
		}}
		
		
		
	
	
		,
	journal={{Sarhad Journal of Agriculture}}
		
			24
			4
			
			,
	year={2008}
		
	

}

@incollection{b70,
	
	
		,
	title={{Dynamics of institutional agricultural credit and growth in Punjab: contribution and demand-supply gap}}
		,
	author={{
			RSidhu
		} and {
			KVatta
		} and {
			AKaur
		}}
		
		
	
	
		,
	journal={{Agricultural Economics Research Review}}
		
			21
			,
	year={2008}
		
	

}

@incollection{b71,
	
	
		,
	title={{Access to microfinance: Does it matter for profit efficiency among small scale rice farmers in Bangladesh?}}
		,
	author={{
			JSumelius
		} and {
			KIslam
		} and {
			TSipilainen
		}}
		
		
	
	
		,
	journal={{European Association of Agricultural Economists}}
		
			,
	year={2008}
		
	

}

@book{b72,
	
	
		,
	title={{Microfinance in Rural Argentina}}
		,
	author={{
			MarkSchreiner
		}}
		
			,
	year={2011}
		
		
			Center for Social Development Washington University of St. Louis
		
	

}

@incollection{b73,
	
	
		,
	title={{Impact of Micro Finance on Empowerment of Rural Women -A Case Study of Dairy Enterprise in the Tank Management Project Area of North Karnataka}}
		,
	author={{
			KSuresh
		}}
	
	
		,
	booktitle={{The University of Agricultural Sciences}}
				Dharwad
		
			,
	year={2008}
		
	
	,
	note={Unpublished Thesis}

}

@book{b74,
	
	
		,
	title={{Impact of Agricultural Credit on Farm Productivity and Income of Farmers in mountainous agriculture in northern Pakistan}}
		,
	author={{
			MKShah
		}}
		
			,
	year={2008}
		
	

}

@incollection{b75,
	
	
		,
	title={{}}
	
	
		,
	journal={{Sarhad Journal of Agriculture}}
		
			24
			4
			
		
	

}

@incollection{b76,
	
	
		,
	title={{Legal and Regulatory Framework for Microfinance Institutions}}
	
	
		,
	booktitle={{Prepared for International Microfinance conference: I\Microfinance in Pakistan: Innovating and Mainstreaming}}
				Islamabad
		
			,
	year={2004}
		
		
			State Bank of Pakistan
		
	

}

@book{b77,
	
	
		,
	title={{Serving the needs of the poor: The private education sector in developing countries. Can the Market Save Our Schools?}}
		,
	author={{
			JTooley
		}}
		
			,
	year={2000}
			
		
	

}

@book{b78,
	
	
		,
	title={{Women and Labour Market Changes in the Global Economy}}
		,
	author={{
			ZTzannatos
		}}
		
			,
	year={1998}
			,
	publisher={World Bank}
			,
	address={Washington}
		
	

}

@book{b79,
	
	
		,
	title={{Rural financial services and effects of microfinance on agricultural productivity and on poverty}}
		,
	author={{
			STenaw
		} and {
			KM ZIslam
		}}
		
		
			,
	year={2009}
			28
		
		
			University of Helsinki Department of Economics and Management
		
	
	,
	note={Discussion Papers series}

}

@incollection{b80,
	
	
		,
	title={{Agriculture for Development. (United Nations Organization)}}
	
	
		,
	journal={{United Nations World Development Report}}
		
			,
	year={2008}
		
	

}

@incollection{b81,
	
	
		,
	title={{The Performance of Self-Help Groups in Punjab: A Study of Hoshiarpur District}}
		,
	author={{
			KVatta
		} and {
			PSingh
		}}
		
	
	
		,
	journal={{Indian Journal of Agricultural Economics}}
		
			56
			3
			452
			,
	year={2001}
		
	

}

@book{b82,
	
	
		,
	title={{Expanding impact: innovations in cost-effectively integrating microfinance with education in health}}
		,
	author={{
			CVelasco
		} and {
			SChiba
		}}
		
		
			,
	year={2004}
			,
	publisher={Pro Mujer Bolivia}
		
	

}

@book{b83,
	
	
		,
	title={{Impact of microcredit on agricultural farm performance and food security in Bangladesh}}
		,
	author={{
			MAWadud
		}}
		
			,
	year={2013}
			,
	address={Dhaka, Bangladesh}
		
	
	,
	note={Working paper, paper no. 14, Institute of Microfinance (InM}

}

@book{b84,
	
	
		,
	title={{Pakistan Rural Finance for Growth and Poverty Alleviation}}
		
			,
	year={2003}
			61
			,
	address={Washington D.C. USA}
		
	
	,
	note={World Bank}

}

@book{b85,
	
	
		,
	title={{Analysis of issue on micro credit: The case of two villages in Punjab. The Pakistan development Review, Part II}}
		,
	author={{
			SWaheed
		}}
		
			,
	year={2001. winter 2001}
			
		
	

}

@book{b86,
	
	
		,
	title={{Who Needs Credit? Poverty and Finance in Bangladesh}}
		,
	author={{
			GWood
		} and {
			ISharif
		}}
		
		
			,
	year={1997}
			,
	publisher={Zed Books. London}
		
	

}

@incollection{b87,
	
	
		,
	title={{Examining the impact of micro insurance services increasing income or reducing poverty?}}
		,
	author={{
			GWright
		}}
	
	
		,
	journal={{Small Enterprise Development}}
		
			10
			1
			
			,
	year={1999}
		
	

}

@incollection{b88,
	
	
		,
	title={{Unpublished thesis) Faculty of the Agriculture, Department of Rural Development and Agricultural Extension, School of Graduate Studies}}
		,
	author={{
			SisayYehuala
		}}
	
	
		,
	journal={{HARAMAYA UNIVERSITY}}
		
			,
	year={2008}
		
	
	,
	note={Determinants of Smallholder Farmers Access to Formal Credit: The Case of Metema Woreda}

}

@book{b89,
	
	
		,
	author={{
			KebedeYaron
		} and {
			Koomsa
		}}
		
		,
	title={{Agricultural Credit Analysis. National Agricultural Policy Workshop}}
				
			,
	year={1997}
		
	

}

@incollection{b90,
	
	
		,
	title={{Assessing the Impact of Micro-credit on Poverty and Vulnerability in Bangladesh}}
		,
	author={{
			HassanZaman
		}}
	
	
		,
	journal={{Policy Research Working Paper}}
		
			,
	year={1999}
			,
	publisher={The World Bank}
		
	
	,
	note={Development Economics}

}

@book{b91,
	
	
		,
	title={{The Triangle of Microfinance -Financial Sustainability, Outreach, and Impact}}
		,
	author={{
			MZeller
		} and {
			RichardLMeyer
		}}
		
		
			,
	year={2002}
			,
	publisher={Johns Hopkins University Press}
			,
	address={Baltimore and London}
		
	
	,
	note={Published for the International Food Policy Research Institute, the}

}

@incollection{b92,
	
	
		,
	title={{Microfinance Services for rural agriculture in Pakistan and Bangladesh}}
		,
	author={{
			MalikZia Uddin
		}}
	
	
		,
	booktitle={{Swedish University of Agricultural Sciences}}
				
			,
	year={2011}
		
	
	,
	note={Unpublished Master Thesis}

}

@incollection{b93,
	
	
		,
	title={{Wider impacts of microfinance institutions: issues and concepts}}
		,
	author={{
			SZohir
		} and {
			IMatin
		}}
		
	
	
		,
	journal={{Journal of international development}}
		
			16
			
			,
	year={2004}
		
	

}