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Adams, D.W., Graham, D.H., von Pischke, J.D. (eds.) (1984) Undermining Rural Development with Cheap Credit. Westview Special Studies in Social, Political and Economic Development series. Boulder CO, and London: Westview Press.

Alamgir, D.A.H. (2009) Microfinance in SAARC Region: Review of Microfinance Sector of Bangladesh. Unpublished paper, Dhaka, Bangladesh.

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Buchenau, J., Meyer, R.L. (2007) Introducing Rural Finance into an Urban Microfinance Institution: The Example of Banco Procredit, El Salvador. Paper presented at the International Conference on Rural Finance Research: Moving Research Results into Policies and Practice. FAO, Rome, March 19–21, 2007.

Campion, A., Ekka, R.K., Wenner, M. (2010) Interest Rates and Implications for Microfinance in Latin America and the Caribbean. Washington DC: InterAmerican Development Bank.

Chen, G., Rasmussen, S., Reille, X. (2010) Growth and Vulnerabilities in Microfinance. Focus Note 61, Washington DC: CGAP.

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Coulter, J. (2009) Review of Warehouse Receipt Systems and Inventory Credit Initiatives in Eastern & Southern Africa. A working document for comment commissioned by UNCTAD, under the All ACP Agricultural Commodities Programme (AAACP), September 25, 2009.

Dellien, H., Burnett, J., Gincherman, A., Lynch, E. (2005) Product Diversification in Microfinance: Introducing Individual Lending. New York: Women's World Banking.

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Gine, X., Goldberg, J., Yang, D. (2010) Identification Strategy: A Field Experiment on Dynamic Incentives in Rural Credit Markets. Unpublished paper. Washington DC: World Bank.

Gómez Soto, F., González-Vega, C. (2006) Formas de Asociación Cooperativa Y su Participación en la Provisión de Servicios Financieros en las Áreas Rurales de México. Proyecto AFIRMA, USAID, México.

Gonzalez, A. (2007) Efficiency Drivers of Microfinance Institutions (MFIs): The Case of Operating Costs. MicroBanking Bulletin 15:37–42.

Gonzalez, A. (2010) Is Microfinance Growing Too Fast? MIX Data Brief No. 5, Washington DC: MIX Market.

Gonzalez, A. (2010) Microfinance Synergies and Trade-offs: Social versus Financial Performance Outcomes in 2008. MIX Data Brief No. 7. Washington DC: MIX Market.

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Hirschland, M., Chao-Béroff, R., Harper, M., Lee, N. (2008) Financial Services in Remote Rural Areas: Findings from Seven Member-Owned Institutions. Nova Scotia, Canada: Coady International Institute, Antagonism.

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International Fund for Agricultural Development (IFAD) (2010) IFAD Decision Tools for Rural Finance. Rome: IFAD.

Jia, X., Heidhues, F., Zeller, M. (2010) Credit Rationing of Rural Households in China. Agricultural Finance Review 70(1).

Kalanda, A.-A., Campbell, B. (2008) Banking Rollout Approaches to Rural Markets: Opportunity International Bank of Malawi. Opportunity International, White Paper, No. 8.

Ledgerwood, J., White, V. (2006) Transforming Microfinance Institutions: Providing Full Financial Services to the Poor. Washington DC: World Bank.

McGuinness, E. (2008) Malawi's Financial Landscape: Where Does Opportunity International Bank of Malawi Fit? Microfinance Opportunities, Washington DC.

Meyer, R.L. (2002) The Demand for Flexible Microfinance Products: Lessons from Bangladesh. Journal of International Development 14(3):351–368.

Meyer, R.L. (2011) Subsidies as an Instrument in Agricultural Development Finance: Review. Joint Discussion Paper of the Joint Donor CABFIN Initiative. Washington DC.

Meyer, R.L., Nagarajan, G. (2000) Rural Financial Markets in Asia: Policies, Paradigms, and Performance. Manila, Philippines: Oxford University Press and Asian Development Bank.

Meyer, R.L., Roberts, R., Mugume, A. (2004) Agricultural Finance in Uganda: The Way Forward. FSD Series No. 13. Kampala, Uganda: Bank of Uganda/GTZ/ Sida Financial System Development Programme and KfW.

Morduch, J. (1999) The Role of Subsidies in Microfinance: Evidence from the Grameen Bank. Journal of Development Economics 60(1):229–248.

Nagarajan, G. (2010) Money in a Pot: Has OIBM Altered Savings in Rural Malawi? Notes from the Field, IRIS Center, University of Maryland, July 2010.

Nagarajan, G., Adelman, S. (2010) Does Intense Marketing Increase Outreach? The Case of Opportunity International Bank in Rural Malawi. IRIS Center, University of Maryland.

Nair, A., Kloeppinger-Todd, R. (2007) Reaching Rural Areas with Financial Services: Lessons from Financial Cooperatives in Brazil, Burkina Faso, Kenya, and Sri Lanka. Agriculture and Rural Development Discussion Paper

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Navajas, S., Gonzalez-Vega, C. (2003a) Financiera Calpia, El Salvador: Innovative Approaches to Rural Lending. In: Wenner, M.D., Alvarado, J., Galarza, F. (eds.) Promising Practices in Rural Finance: Experiences from Latin America and the Caribbean. Washington DC: Inter-American Development Bank, pp. 177–211.

Navajas, S., Conning, J., Gonzalez-Vega, C. (2003b) Lending Technologies, Competition and Consolidation in the Market for Microfinance in Bolivia. Journal of International Development 15:747–770.

Opportunity Blog (2010) Microfinance Loan Officers Go Green with Electronic Bikes. November 12, 2010. go-green-with-electronic -bikes/.

Opuku, L., Foy, D. (2008) Pathways out of Poverty: Innovative Banking Technologies to Reach the Rural Poor. Enterprise Development and Microfinance 19(1):46 – 58.

Paxton, J. (2007) Contrasting Methodologies Used to Expand the Outreach of Financial Services to the Rural Poor: Lessons from Mexico's PATMIR Experience. Paper presented at the International Conference on Rural Finance Research: Moving Research Results into Policies and Practice. FAO, Rome, March 19–21, 2007.

Porteous, D. (2006) Competition and Microcredit Interest Rates. Focus Note 23.

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Rosenberg, R. (2010) Does Microcredit Really Help Poor People? Focus Note 59.


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Vogel, R.C. (2005) Costs and Benefits of Liquidating Peru's Agricultural Bank.

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Wright, G.A.N. (2000) Microfinance Services: Designing Quality Financial Services for the Poor. Dhaka: The University Press Limited.

Wright, G.A.N., Rippey, P. (2003) The Competitive Environment in Uganda: Implications for Microfinance Institutions and Their Clients. MicroSave.

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Zacharias, J. (2008) An Investigation of Economies of Scale in Microfinance Institutions. Unpublished paper. The Leonard N. Stern School of Business, Glucksman Institute for Research in Securities Markets.

Zeitinger, C.P. (2005) Incentive Schemes for Employees of ProCredit Banks.

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Zeller, M. (2006) A Comparative Review of Major Types of Rural Microfinance Institutions in Developing Countries. Agricultural Finance Review 66(2):195– 213 (Special Issue).

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