. Aghion de B.A. (1999): On the design of a credit agreement with Peer Monitoring, Journal of Development Economics, Vol-60, 79-104.
. Besley T. and Coate S. (1995): Group Lending, Repayment Incentives and Social Collateral, Journal of Development Economics, Vol-46.
. Bhattacharya S., Banerjee S. and Mukherjee S. (2008): Group lending and Self Help Groups: Joint Benefit as an Alternative Governance Mechanism, The Journal of International Trade & Economic Development, Vol-17, 1-19.
. Conning J. (1999); Outreach, Sustainability and Leverage in and Peer-monitored Lending, Journal of Development Economics, Vol-60, 51-77.
. Ghatak M. (1999): Group Lending, Local Information and Peer Selection, Journal of Development Economics, Vol-60, 27-50.
. Ghatak M. and Guinnane T.W. (1999): The Economics of Lending with Joint Liability: Theory and Practice, Journal of Development Economics, Vol-60, 195-228.
. Ghosh P. and Ray D. (1997): Information and Repeated interaction: Application to informal credit markets, Texas A & M and Boston University, Draft.
. Morduch J. (1999): The Microfinance Promise, Journal of Economic Literature, Vol - 38, 1569-1614.
. Morduch J. and Aghion de B.A. (2004a): Microfinance: Where do you stand; Financial Development & Economic Growth: Explaining the links, (UK: Pulgrave McMillan).
. Morduch J. and Aghion de B.A. (2004b): Microfinance beyond Group Lending; The Economics of Transition, Vol-8, p.401-420.
. NABARD (2017-18, 2016-17, 2015-16, 2014-15, 2013-14, 2012-13, 2011-12, 2010-11): Status of Microfinance in India, National Bank for Agriculture and Rural Development, Mumbai.
. Roychowdhury, P. (2005): Group Lending: Sequential Financing, Lender Monitoring and Joint Liability, Journal of Development Economics, 77, pp. 415-439.
. Sinha, F. (2005): Access, Use and Contribution of Microfinance in India, Economic and Political Weekly, Vol. 40, Issue No.17, April 23.
. Stiglitz J. E. (1990): Peer Monitoring and Credit Markets, The World Bank Economic Review, Vol - 4, 351 - 366.
. Tassel E.V. (1999): Group Lending Under Asymmetric Information, Journal of Development Economics, Vol-60, 3-25.