MicroStart - Further Reading


FURTHER READING
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This extensive Reading List, largely compiled from -The New World of Micro Enterprise Finance", by Maria Otero and Elisabeth Rhyne, is provided for suggested further reading.

ACCION International. 1990. " Informe, Sexto Taller Inter-

Programas, Inovacciones Metodologicas y el Desafio de

La Masificacion." Mazatenango, Guatelmala: ACCION

International. 199 1. " Informe Anual de Estadisticas. "

Cambridge, MA: ACCION International.

ACCION International and The Calmeadow Foundation.

1988. An Operational Guide for M icro- Enterprise

Projects. Toronto: Calmeadow.

Acharya, M., and L. Bennet. 1982. "Women and the

Subsistence Sector: Economic Participation and

Household DecisionMaking in Nepal." World Bank Staff

Working Paper No. 526. Washington, DC: World Bank.

Adams, Dale W. 1971. "Agricultural Credit in Latin America: A

Critical Review of External Funding Policy." American

Journal of Agricultural Economics 53 (2): 163-72.

1973. "The Case for Voluntary Savings Mobilization: Why Rural

Capital Markets Flounder." Mimeo. Washington, DC: USAID,

19:309-34.

1978. "Mobilizing Household Savings through Rural Financial

Markets." Economic Development and Cultural Change 26(3):547-

60.

1984. To Rural Savings Matter?" Studies in Rural Finance,

Economics and Sociology Occasional Paper No. 1083. Columbus:

Ohio State University.

1988. "The Conundrum of Successful Credit Projects in

Floundering Rural Financial Markets." Economic Development and

Cultural Change 36(2)355-67.

Adams, Dale W., and Delbert A. Fitchett, eds. 1992. Informal

Finance in Low-Income Countries. Boulder,

CO:Westview Press.

Adams, Dale W, and Douglas H. Graham. 198 1. "A Critique of Traditional

Agricultural Credit Projects and Policies." Journal of Development

Economics 8(3):347-66. 1984. "A Critique of Traditional Agricultural

Credit Projects and Policies.: In Agricultural Development in the Third

World ed. by Carl Eicher and John M. Staatz. Baltimore: Johns

Hopkins University Press.

Adams, Dale W., Douglas H. Graham, and John D. Von Pischke, eds. 1984.

Undermining Rural Development with Cheap Credit. B-Oulder,

CO:Westview Press.

Adams, Dale W., and G.I. Nehman. 1979. "Borrowing Costs and the

Demand for Rural Credit." Journal of Development Studies 15: 165-

76.

Adams, Dale W., and Pablo Romero. 1981. "Group Lending to the Rural

Poor in the Domincan Republic: A Stunted Innovation. " Canadian

Journal of Agricultural Economics July: 216-24.

Adams, Dale W., and Robert C. Vogel. 1986. "Rural Financial Markets in

Low Income Countries: Recent Controversies and Lessons." World

Development 14(4):477-87.

Afwan, Ismah. 1991. "A Review of BRI Unit Development (Background,

Philosophy and Historical Analysis). " Mimeo. Jakarta: Center for

Policy and Implementation Studies (CPIS).

Agabin, Meliza H. 1985. "Rural Savings Mobilization: An Asian

Perspective and Prospect." CB Review 37:7-1 5.

Ahmed, Zia. 1989. "Effective Costs of Rural Loans in Bangladesh" in

World Development 17(3):357-363.

Aleke-Dondo, C., and Albert Kimanthi Mutua. 1990. Informal Financial

Markets in Kenya." Nairobi: Kenya Rural Enterprise Program.

Ardilla Iprosco, Fabio. 1990. "Evaluation of the Omnibus Small Business

Enterprise Project." Mimeo. Bogota, Colombia: Catholic Relief

Services.

Arunachalam, Jaya. 1988. "Credit Needs of Women Workers in the informal

Sector, Case Study of Working Women's Forum (India)." Mimeo.

Mylapore.

Ashe, Jeffrey. 1985. The Pisces 11 Experience: local Efforts in M icro-

Enterprise Development, vol.2, Case Studies. Washington,

D.C.: USAID.

1986. Solidarity Groups and Women's World Bank: Experiences

from Cali, Colombia. Cambridge: ACCION.

Ashe, Jeffrey, Madeline Hirshland, and Jill Burnett. 1992. Access to Credit

for Poor Women: A Scale-up Study of Projects Carried out by

Freedom from Hunger in Mali and Ghana. Washington, DC: GEMINI.

Asociacion Grupos Solidarios de Colombia (AGS). 1991 a. "Balance

Comparativo 1989-1990. " Mimeo. Bogota, Colombia: AGS.

1991 b "Balance General a Diciembre 31 de 1990". Mimeo.

Bogota, Colombia: AGS.

1991c. "Consolidation and Promotion of Solidarity Groups

Microenterprise Programs." Mimeo. Bogota, Colombia: AGS.

1991d. "Final Progress Report/Ford Foundation: Intitutional

consolidation and Research Project." Mimeo. Bogota, Colombia: AGS.

1991e. 1nstitutional Consolidation and Research Project." Final

progress report presented to the Ford Foundation. Bogota, Colombia:

AGS.

1991f. "Presupuesto de Operacion y Funcionamiento para el ano de

199l." Mimeo. Bogota, Columbia: AGS.

Bakhoum, lbrahima, et al. 1989. Banking the Unbankable: Bringing Credit

to the Poor. London: Panos.

Banco Solidario, S.A. (Bancosol). 1991. "Prouecto de Factibilidad." La Paz, Bolivia.

1992a. "Policy Statement." La Paz,

Bolivia.

1992b. "Presupuesto Gestion 1992." La Paz,

Bolivia.

Bangladesh Bank. 1979. Problems and issues of Agricultural Credit

and Rural Finance. Dhaka: Bangladesh Bank.

Bank Rakyat Indonesia (BRI). 1985. Bank Rakyat Indonesia dalam Era Pembangunan 90th Anniversary Book. Jakarta : BRI

1990 "Briefing Booklet: KUPEDES Development Impact Survey".

Jakarta: Planning Research and Development Department, BRI. '

Bartel, Margaret. 1992. "Financial Ratios: A Tool of Financial

Management in Microenterprise Credit Programmes." GEMINI

Technical Report No. 7. Bethesda, MD: Development

Alternatives, Inc.

Bath, Paquita, and Dinora Mendes de Sanchez, eds. 1990. The

Evolution of a Relationship: A History of OEF International and

OEF de EI Salvador. an Salvador: Asociacion para la

Organizacion Empresarial Femenina de EI Salvador (OEF/ES)

Bennett, Lynn. 1990. "An Approach to the Study of Women's Productive

Roles as a Determinant of Intra-Household Allocation Patterns." In

Intra-Household Resource Allocation: Issues and Methods for

Development Policy and Planning, edited by Beatrice Lorge Rogers

and Nina R Schlossman. Tokyo: United Nations University.

Bentson, George J., et al. 1986. Safe and Sound Banking. Past,

Present, and Future. Cambridge, MA: MIT Press.

Berger, Maguerite. 1989. "Giving Women Credit: The Strengths and

limitations of Credit as a Tool for Alleviating Poverty." in World

Development 17 (7)

Berger, Maguerite and Mayra Buvinic, eds. 1989. Women's Ventures:

Assistance to the Informal Sector in Latin America. West Hartford,

CT: Kumarian Press.

Biggs, Tyler S., Donaid R. Snodgrass, and Pradeep Srivastava. 1990. "On

Minimalist Credit Programs." Development Discussion Paper No.

331. Cambridge, MA: Harvard Institute for International Development.

Binswanger, Hans P. and Mark R. Rosenzweig. 1986. "Behavioral and Material

Determinants of Production Relations in Agriculture." Journal of

Development Studies 22(3):503-39

Blair, Harry W. "Agricultural Credit, Political Economy, and Patronage." In

Undermining Rural Development with Cheap Credit, edited by Dale

Adams, Douglas Graham, and J.D. Von Pischke, 183-193. Boulder,

CO: Westview Press.

Boomgard, James J. 1989. "AID Microenterprise Stocktaking: Synthesis

Report." AID Evaluation Special Study No. 65. Washington, DC:

USAID

Boomgard, James J., James Hern, Calvin Miller, and Richard H Patten.

192. "A Review of the Prospects for Rural Financial Institution

Development in Bolivia." GEMINI Technical Report No. 3 1.

Bethesda, MD:Development Alternatives, Inc.

Bournan, F.J.A., 1989. Small, Short and Unsecured: Informal Finance in

Rural India. Delhi: Oxford, University Press.

Bourne, Compton, and Douglas H. Graham. 1980. "Funding and Viability of

Rural Development Banks.' Savings and Development 4(4):303-19.

Bratton, Michael, 1986. "Financing Smallholder Production: A

Comparison of Individual and Group Credit Schemes in

Zimbabwe." in Public Administration and Development 6(2)115-

32.

Braverman, Avishay. 1989. "Rural Credit Reforms in LDCs: Issues and

Evidence." in Journal of Economic Development 14:105-21.

Buechler, Simone. 1995. "The Key to Lending to Women Micro-

Enterprises" in Small Enterprise Development 6(2): 4-15.

Buvinic, Mayra. 1989. " Investing in Poor Women: The Psychology of

Donor Support" in World Development 17 (7).

Buzzard, Shirley, and Elaine Edgcomb, eds. 1987. Monitoring and

Evaluating Small Business Projects: A Step by Step Guide fro Private

Development Organizations. New York: PACT Publications.

Castello, Carlos. 1991 a. Asociacion Grupos Solidarios de Colombia:

Definicion, Programas y Resultados. "Mimeo/ Bogota, Colombia.

Castello, Carlos, Katherine Sterns, and Robert Peck Christen. 1991.

Exposing Interest Rates: Their True Significance for

Microentrepreneurs and Credit Programs. Discussion Paper No. 6.

Cambridge, MA: ACCION International.

Center for Women and Development, 1989. "Production Credit for Rural Women

Project. An Impact Evaluation Study." Mimeo. Katmandu, Nepal.

Cernea, Michael, ed. 1985. Putting People First: Sociological Variables

in Rural Development. New York: Oxford University Press.

Chambers, Robert. 1984. Rural Development: Putting the last First.

London: Longman

Chandravarkar, Anand G. 1987. "The Informal Financial Sector in

Developing Countries". Occasional paper No. 2. Kuala Lumpur,

Malaysia: South East Asian Central Banks (SEACEN) Research

and Training Center

Chen, Martha Alter. 1991. Coping with Seasonality and Drought, New Delhi: Sage.

Christen, Robert Peck. 1989. "What Microenterprise Credit Programmes

Can Learn From the Moneylenders. "Discussion Papers Series No.

4, Cambridge, MA:ACCION International.

1990. Financial Management of Micro-Credit Programs: A

Guidebook for NG0s. Cambridge, ACCION International.

Christen, Robert Peck, Elisabeth Rhyne, and Robert Vogel. 1994.

Maximizing the Outreach of Microenterprise Finance: The Emerging

Lessons of Successful Programmes. VA:IMCC.

Creevey, Lucy. 1996. Changing Women's Lives and Work: An

Analysis of the Impacts of Eight Microenterprise Projects.

London: IT Publications.

De Santis, Dennis, and Paola long. 1989. "Microenterprise Stocktaking:

Cameroon. AID Evaluation." Occasional paper No. 23. Washington,

DC:US AID.

Donald, Gordon. 1976. Credit for Small Farmers in Developing Countries.

Boulder, CO:Westview Press.

Downing, Jeanne. 1990. "Gender and the Growth and

Dynamics of Microenterprises." GEMINI Working Paper No. 5. Bethesda,

MD: Development Alternatives, Inc.

Drake, Deborah, and Maria Otero. 1992. Alchemists for the Poor:

NGO's as Financial Institutions. Cambridge, MA: ACCION

International.

Ebdon, Rosamund. 1995. %GO Expansion and the Fight to Reach the

Poor: Gender Implications of NGO Scaling-up in Bangladesh in

IDS Bulletin 25(3): 49-55.

Esman, Milton J. and Norman Uphoff. 1984. Local Organizations:

Intermediaries in Rural Development. Ithica, NY: Comell University

Press.

Farbman, Michael. 1981. "The Pisces Studies: Assisting the Smallest

Economic Activities of the Urban Poor." Washington, DC:USAID.

Fernando, Nimal A. 1988. "The Interest Rate Structure and Factors

Affecting Interest Rate Determination in the Informal Rural

Credit market in Sri Lanka." Savings and Development 12(3):

249-67.

Fischer, William, Jeffrey Poyo, and Ann Beasley. 1992. "Evaluation of the

Micro and Small Enterprise Development Project in Bolivia." GEMINI

Technical Report No. 42. Bethesda, MD:Development Alternatives,

Inc.

Fisseha, Yacob. 1991. "Small-Scale Enterprises in Lesotho: Summary of a

CountryWide Survey." GEMINI Technical Report No. 14. Bethesda,

MD:Development Alternatives, Inc.

Fisseha, Yacob, and Michael A. McPherson. 1991. "A Countrywide Study of

SmallScale Enterprises in Swaziland." GEMINI Technical Report No.

24. Bethesda, MD: Development Alternatives, Inc.

Floro, S.L., and P. A. Yotopoulos. 1991. Informal Credit Markets and the

New Institutional Economics. The Case of Philippine Agriculture.

Boulder, CO: Westview Press.

Freres, Christian. 1989. Informe Final, Evaluacion de Impact, 1989."

Bogata, Colombia: Asociacion Grupos Solidarios.

Fry, Maxwell J. 1988. Money, Interest, and Banking in Economic

Development. Baltimore, MD: Johns Hopkins University Press.

Gadway, John F, Tantri M. H. Gadway, and Jacob Sardi. 1991. "An

Evaluation of the Institutional Aspects of Financial Institutions

Development Project, Phase 1 in Indonesia." GEMINI Technical

Report No. 15. Bethesda, MD:Development Alternatives, Inc.

Garavito, Jaime A. " Programa de Grupos Solidarios para Trabajadores

Independientes, Evaluacion de Impacto." Bogota,

Colombia: Asociacion Grupos Solidarios.

Germidis, Dimitri, Denis Kessler, and Rachel Meghir. 1991. Financial

Systems and Development: What Role for the Formal and Informal

Financial Sectors? Paris: Development Centre of the OECD

Get Ahead Foundation. 1991. "Stokvel Department Quarterly

Report." Mimeo. Pretoria, South Africa.

Goldmark, Susan, and Jay Rosengard. 1983. Credit to Indonesian

Entrepreneurs: An Assessment of the Badan Kredit Kecamatan

programme." Washington, DC: Development Alternatives, Inc.

Gonzales-Vega, Claudio. 1990. "On the Viability of Agricultural

Development Banks: Conceptual Framework." Ohio State

University Economics and Sociology Occasional Paper No.

1760. Columbus, OH.

Grameen Bank Donor Consortium. 1988. "Grameen Bank, Phase Ill

Project, Appraisal Report." Mimeo. Dhaka, Bangladesh.

Harper, Malcolm and Kavil Ramachandran. 1984. Small Business

Promotion: Case Studies from Developing Countries. London: IT

Publications.

Hilhorst, Thea and Harry Oppenoorth. 1992. "Financing Women's

Enterprises: Beyond Barriers and Bias". Amsterdam: Royal

Tropical Institute.

Holcombe, Susan H. and Xu Xianmei. 1996. "Microfinance and Poverty

Alleviation: UN Collaboration with Chinese Experiments". UNDP.

1995. Managing to Empower: The Grameen Bank's Experience of

Poverty Alleviation. London: University Press Limited.

Holt, Sharon.. 199 1. Village Banking: A Cross-Country Study of a

CommunityBased Lending Methodology. Bethesda:GEMINI.

1991 b. Women in the BPD and Unit Desa Financial Services

Programs: Lesson from Two Impact Studies in Indonesia. GEMINI

Technical Report #19. Washington, DC: GEMINI.

Horten, David and Karl Pillemer. 1983. "Self-Help Groups and Social

Movement Organizations: Social Structure and Social Change."

Research in Social Movements, Conflicts, and Change 5:203-33.

Hossain, Hamabub. 1988. "Credit for Alleviation of Rural Poverty: The

Grameen Bank in Bangladesh." Research Report No. 65.

Washington, DC: International Food Policy Research Institute.

Howse, C. J. 1983. "Agricultural Development without Credit." In Rural

Financial Markets in Developing Countries: Their Use and Abuse, ed. by John

D. Von Pischke, Dale W. Adams, and Gordon Donald, 134037. Baltimore:

Johns Hopkins University Press.

Huppi, Monika, and Gershon Feder. 1990. "The Role of Groups and Credit

Cooperatives in Rural Lending." World Bank, Policy Planning and

Research Working Paper WPS284. Washington, DC.

Inter-American Investment Corporation (IIC). 1990. Project appraisal.

Mimeo.

International Labor Organization/ UNDP Employment Creation Strategy

Project.

1989. "The Impact of Unsubsidized Rural Credit Programs on

Employment Generation in Indonesia." Mimeo. Jakarta.

Iqbal, Farrukh. 1988. "The Determinants of Moneylender Interest Rates:

Evidence from Rural India". in The Journal of Development Studies

24 (3).

Jackelen, Henry R.. 1983. Manual for Commercial Analysis of Small Scale

Projects.

Washington, DC: A.T. International.

1989. "Banking on the informal Sector." In Microenterprises in

Developing Countries, ed. by Jacob Levitsky. London: IT Publications.

1996. "Financing Entrepreneurship in Countries in Transition: Some

Short-Term Recommendations". Paper presented at the interregional

Workshop on

Development of Small and Medium Enterprises in Developing

Countries in Transition. Hanoi, Vietnam. New York: UN.

Jackelen, Henry R. and Elizabeth Rhyne. 1991. "Towards a More Market-

Oriented Approach to Credit and Savings for the Poor." Small

Enterprise Development 2(4):4-20.

Jean, Andy, Eric Hyman, and Mike O'Donnell. 1990. "Technology -The Key

to Increasing the Productivity of Microenterprises." GEMINI Working

Paper No. 8. Bethesda, MD:Development Alternatives, Inc.

Kamble, N.D. 1979. Poverty within Poverty: A Study of the Weaker Sections in

a Deccan Village. Bangalore, India: Institute for Social and Economic

Change.

Kane, Edward J. 1977. "Good Intentions and Unintended Evil: The Case

Against Selective Credit Allocation." Journal of Money, Credit, and

Banking 9:55-69.

1985. The Gathering Crisis in Federal Deposit Insurance. Cambridge,

MA: MIT Press.

Kenyan Rural Enterprise Programme (KREP). 1991. Programme Report, March -

August 1991. Nairobi, Kenya.

Kindervatter, Suzanne. 1988. "From Effectiveness to Efficiency: The

Challenge of Scale in Assisting Rural Women Pre-Entrepreneurs." In

Technical Assistance and Training.. What Difference Does It Make?

How Can It Be Done Effectively and Affordable? Report of a Working

Session of the SEEP Network, NY.

Klein, B. and K. Leffler. 1981. "The Role of Market Forces in Assuring

Contractual Performance." Journal of Political Economy 81:815-41.

Korten, David C., and Felipe Alfonso, eds. 1983. Bureaucracy and the Poor:

Closing the Gap. West Hartford, CT Kumarian Press.

Lassen, Cheryl. 1988. Keynote Address in Technical Assistance and

Training: What Difference Does It Make? How Can It Be Done

Effectively and Affordably? Report of a Working Session of the SEEP

Network, NY.

Levitsky, Jacob, ed. 1989. Microenterprises in Developing Countries.

London: IT Publications.

1987. "World Bank Assistance to Small Enterprises in Developing

Countries" in Small Enterprise Development: Policies and

Programmes. Management Development Series No. 14. Geneva: ILO.

Lewin, A. Christopher 1991. "The ADEMI Approach to Microenterprise

Credit." GEMINI Special Publication No. 3. Bethesda,

MD:Development Alternatives, Inc.

Lewis, John P. 1988. Strengthening the Poor: What Have We learned.

Overseas Development Council, US-Third World Policy

Perspectives. No. 10. New Brunswick, NJ: Transaction Books.

Lieberson, Joseph, and William Doyle. 1989. "Microenterprise Stocktaking:A

Statistical Look at AID's Microenterprise Portfolio." Washington,

DC:USAID.

Liedholm, Carl, 1989. "Small Scale Enterprise Dynamics and the Evolving

Role of Informal Finance." Seminar on the Informal Financial

Markets in Development, paper No. 8. Washington, DC.

1990. "The Dynamics of Small Scale Industries in Africa and the

Role of Policy." GEMINI Working Paper, No. 2. Bethesda, MD:

Development Alternatives, Inc.

Liedholm, Carl and Michael McPherson. 1991. "Small Scale Enterprises in

Mamelodi and Kwazekele Townships, South Africa: Survey

Findings." GEM INI Technical Report No. 16. Bethesda, MD:

Development Alternatives, Inc.

Liedholm, Carl and Donald Mead. 1987. "Small Scale industries in

Developing Countries: Empirical Evidence and Policy Implications."

MSU International Development Paper No. 9. Michigan State

University, East Lansing.

1991. "Dynamics of Microenterprises: Research Issues and

Approaches." GEMiNI Working Paper No. 12. Bethesda, MD:

Development Alternatives, Inc,

1992. "The Structure and Growth of Microenterprises in Southern and

Eastern Africa; Evidence from Recent Surveys." Paper presented at the

USAID Eastern and Southern Africa Regional Conference on Small and

Micro Enterprise Development.

Liong, Kwan H. 1991. "Rural Savings Mobilization through BRI Unit

Banking System:History, Achievement, and Prospect." Mimeo.

Jakarta:Center for Policy and Implementation Studies.

Lipton, Michael. 1976. "Agricultural Finance and Rural Credit in Poor

Countries". World Development 4(7):543-53.

Long, Caroly, Daouda Diop, and James Cawley. 1990. "Report of Program

Working Group". In Women's Ventures: Assistance to the Informal

Sector in Latin America, ed. by Marguerite Berger and Mayra Buvinic.

West Hartford, CT: Kumarian Press.

Lycette, Margaret. 1984. Improving Women's Access to Credit in the Third

World: Policy and Project Recommendations. Washington, DC:

International Center for Research on Women.

Malhotra, Mohini. 1992. "Poverty Lending and Microenterprise

Development: A Clarification of the Issues." GEMINI Working

Paper No. 30. Bethesda, MD:Development Alternatives, Inc.

Mann, Charles, K. Merilee S. Grindle, and Parker Shipton. 1989. Seeking

Solutions: Framework and Cases for Small Enterprise Development

Programs. West Hartford, CT: Kumarian Press.

March, Katherine S., and Rachelle L. Taqqu. 1986. Women's Informal

Associations in Developing Countries: Catalysts for Change?

Boulder, CO: Westview Press.

Mayoux, Linda. 1995. From Vicious to Virtuous Circles, Occasional

Paper #3. Geneva: UNRISD/UNDP.

McKee, Katherine. 1989. "Microlevel Strategies for Supporting

Livelihoods, Employment and Income Generation of Poor Women

in the Third World: The Challenge of Significant" in World

Development 17 (7).

McPherson, Michael A. 1991 a. "Growth and Change in Malawi's Small and

Medium Enterprise Sector, 1986-1990." GEMINI Technical Report

No. 17. Bethesda, MD:Development Alternatives, Inc.

1991 b. "Micro and Small-Scale Enterprises in Zimbabwe: Results

of a Country-Wide Survey." GEMINI Technical Report No. 25.

Bethesda, MD: Development Alternatives, Inc.

Mead, Donald. 1992. "Microenterprise Development in a Sub-sector

Context. Small Enterprise Development 3(l): 35-42.

Mead, Donald, Thomas Dichter, Yacob Fisseha, and Steve HaggbIade.

1990. "Prospects for Enhancing the Performance of Micro and

Small-Scale Nonfarm Enterprises in Niger." GEMINI Working

Paper No. 3. Bethesda, M D: Development Alternatives, Inc.

Mehra, Rekha, Annelies Drost Maasry, and Ruba Rahman. 1995.

Credit for Women: Why is it so Important?. Paper prepared for

INSTRAW. Washington, DC: ICRW.

Meyer, Richard l., and Carlos E Cuevas. 1990. "Reducing the Transaction

Costs of Financial Intermediation: Theory and Innovations." Paper

presented at the International Conference on Savings and Credit for

Development, Copenhagen.

Meyer, Richard L., and G. Nafarajan. 1988. "Financial Services for Small and

Micro Enterprises: A Need for Policy Changes and Innovation. "

Savings and Development 4(12):363-73.

Miricle, Marvin, Diane Miricle, and Laurie Cohen. 1980. "Informal

Savings Mobilization in Africa.:" Economic Development and

Cultural Change 28(4):701-24.

Moermanto, R.H. 1991. "The KUPEDES as a Lending Instrument for BRI

Unit Banks." Mimeo. Jakarta: Center for Policy and

Implementation Studies.

Mosley, Paul, and Rudra Prasad Dahal. 1987. "Credit for the Rural Poor: A

Comparison of Policy Experiments in Nepal and Bangladesh."

Manchester papers on Development 3(2):45-59.

Neill, Catherine and Olaf Kula. 1994. Integration of Gender into GEMINI.

Technical Report #66, Washington, DC: Development Alternatives.

Nelson, Candace, Barbara MkNelly, Kathleen Stack, and Lawrence

Yanovitch. 1995. Village Banking: The State of the Practice. New York:

UNIFEM.

Noponen, Helzi. 1990. "loans to the Working Poor: A Longitudinal Study

of Credit, Gender and the Household Economy." Working Paper No.

6. New Brunswick, NJ: Rutgers University.

Otero, Maria. 1986. "The Solidarity Group Concept: Its

Characteristics and Significance for Urban Informal Sector

Activities." New York: PACT.

1989a. Breaking Through: The Expansion of Micro-Enterprise

Programmes as a Challenge for Non-Profit Institutions. Cambridge,

MA: ACCION International

1989b. "A Handful of Rice: Saving Mobilization by Micro-

Enterprise Programs and Perspectives for the Future."

Monograph Series No. 3. Washington, DC:ACCION

International.

1989c. "Solidarity Group Programs: Working Methodology for

Enhancing the Economic Activities of Women in the Informal

Sector." In Women's Ventures: Assistance to the Informal Sector in

Latin America,ed. by Maguerite Berger and Mayra Buvinic. West

Hartford, CT:Kumarian Press.

1989d. Microenterprise Assistance Programs: The Benefits,

Costs and Sustainability. Cambridge: ACCION.

Otero, Maria and Elisabeth Rhyne. 1994. New World of MicroEnterprise

Finance. West Hartford: Kumarian Press

Parker, Joan, and C. Aleke-Dondo. 199 1. "Kenya: Kibera's Small

Enterprise Sector Baseline Survey Report. "GEMINI Working Paper

No. 17. Bethesda, MD: Development Alternative, Inc.

Patten, Richard H., and Jay K. Rosengard. 1991. Progress with Profits:

The Development of Rural Banking in Indonesia. San Francisco:

International Center for Economic Growth and the Harvard Institute

for International Development.

Patten, Richard H. and Donald R. Snodgrass. 1989. "Monitoring and

Evaluating KUPEDES (General Rural Credit) in Indonesia." HIID

Discussion Paper No. 249. Cambridge, MA: HIID.

Peace, Gill and David Hulme. 1994. "Microenterprise and Children -What

are the Intra-Household Impacts of Income Generating

Programmes?" in Small Enterprise Development 5(1): 21-29.

Pirela Martinez, Hugo. 1990. "The Gray Area in Microenterprise

Development." Grassroots Development 14(2):33-40.

Pitt, Mark and Shahidur R. Khandker. 1996. Household and Intrahousehold

Impact of the Grameen Bank and Similar Targeted Credit

Programmes in Bangladesh. World Bank Discussion Papers #320. Washington,

DC: The World Bank.

Polizatto, Vincent R "Prudential Regulation and Banking Supervision.

Building and Institutional Framework for Banks." Policy, Planning, and

Research Working Paper No. 340. Washington, DC: World Bank.

Pop, Jeffrey, David Hoelscher, and Mohini Malhotra. 1989.

"Microenterprise Stock-taking: The Dominican Republic."

Washington, DC: USAID.

Premchander, Smita. 1994. " Income Generating Programmes for Rural

Women Examining the Role of NGO's" in Small Enterprise

Development 5(1):14-20.

PRODEM. 1988. "Micro-Business Development Bank, Bolivia: Investor's

Preview." La Paz, Bolivia.

Puhazhendhi, V. 1995. Transactions Costs of Lending to the Rural Poor:

NGO's and Self-help Groups of the Poor as Intermediaries.

Brisbane: The Foundation for Development Cooperation.

Rahman, Atiur. 1988. "Alleviation of Rural Poverty: Replicability of the

Grameen Bank Model". South Asia Journal 1(4).

Rahman, Rushidan Islam. 1988. "Poor Women's Access to Economic

Gain from Grameen Bank Loans." Working Paper No. 9/12.

National Centre for Development Studies. Dhaka, Bangladesh.

Rajasekhar, D. 1996. "Problems and Prospects of Group lending in NGO

Credit Programmes in India " in Savings and Development (l): XX.

Reichmann, Rebecca. 1984. Women's Participation in ADEMI: The

Association for the Development of Microenterprises,, Inc.

Cambridge: ACCION.

Remenyi, Joe. 1991. Where Credit is Due: Income Generating

Programmes for the Poor in Developing Countries. London: IT

Press.

Restrepo Chebair, Eliana and Rebecca Reichmann. 1995. Balancing the

Double Day: Women as Managers of MicroEnterprises.

Monograph Series #10. Cambridge: ACCION.

Rhyne, Elisabeth. 1991. "The Microenterprise Finance Institutions of

Indonesia and Their Implications for Donors." GEMINI Working Paper

No. 20. Bethesda, MD: Development Alternatives, Inc.

Robinson, Marguerite 5. 1989. "The Framework and Development of the

Bank Rakyat Indonesia Unit Banking System, 1970-1994."

Mimeo, 2 vols. Jakarta: Center for Policy and Implementation

Studies. 1992. "Rural Financial Intermediation: Lessons from

Indonesia." Development Discussion Paper. Cambridge,

MA HIID.

Robinson, Marguerite S., and Donald R. Snodgrass. 1987. "The

Role of Institutional Credit in Indonesia's Rice

Intensification Prograrn." Development Discussion paper

No. 248. Cambridge, MA: HIID.

Robinson, Marguerite S., and Sudarno Sumarto. 1988. "Savings and

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