4Copestake, J. , Bhalotra, S. , & Johnson, S. (2001 ), Assessing the impact of microcredit : A zambian case study. Journal of Development Studies,Vol. 37(4) :81 - 100.
5Li, H. , Rozelle, S. , Zhang, L (2004), Micro-credit programs and off-farm migration in china Pacific Economic Review, Vol. 9 (3): 209 - 223.
