9Seibel,H.D.& Bishnu P.Shrestha, 1988: Dhikuti : The Small Businessman' s Informal Self- Help Bank in Nepal .Savings and Development (Milan) Vol. 12 No.2:183-200. 被引量:1
10Hans Dieter Seibet, Informal Finance : Origins, Evolutionary Tren& and Donor Options, WAD Rural finance working paper series, No. A3.1999a ( Revised February 2000). 被引量:1