[
Abdullah, N.A.H., Ahmad, A.H., Zainudin, N. and Rus, R.M., 2016. I am modeling small and mediumsized enterprises’ failure in Malaysia. International Journal of Entrepreneurship and Small Business, Vol. 28(1), pp.101–116.
]Search in Google Scholar
[
Adom, K., (2016). Tackling informal entrepreneurship in Ghana: a critical analysis of the dualist/modernist policy approach, some evidence from Accra. International Journal of Entrepreneurship and Small Business, Vol. 28 (2–3), pp.216–233.
]Search in Google Scholar
[
Afonso, J.S., Cox, J. and Thorpe, A., (2020). Business Performance and Heterogeneity among Islamic Microfinance Clients: Evidence from Pakistan (No. 2020-03). University of Portsmouth, Portsmouth Business School, Economics and Finance Subject Group.
]Search in Google Scholar
[
Ahirrao, J. and Chaugule, S., 2010. Micro-finance for Rural Entrepreneurship Development and Rural Industrialization. Rural Economics – Himalaya Publishing House. Retrieved from http://www.ssmrae.com/admin/images/1524778c17f085e7ec7252d53da84c32.pdf
]Search in Google Scholar
[
Ahmad, S., Naveed, M.S. and Ghafoor, A., 2004. Role of microfinance in alleviating rural poverty: A case study of Khushhali Bank Program in Rahim Yar Khan [Pakistan]. International Journal of Agriculture and Biology (Pakistan).
]Search in Google Scholar
[
Ahmad, S. Naveed, S.M. and Ghafoor, A., 2004. Role of Microfinance in Alleviating Rural poverty: A case study of Khushhali Bank Program in Rahim Yar Khan Pakistan. International Journal of Agriculture and Biology, 7, 426-428.
]Search in Google Scholar
[
Akram, M. and Imtiaz, H., 2011. The Role of Microfinance in uplifting Income Level: A study of District Okara – Pakistan. Journal of Contemporary Research in Business, Vol 2, No 11, pp 83 94.
]Search in Google Scholar
[
Asian Development Bank (ADB), 2008. Microfinance Development Strategy, http://www.adb.org/Documents/Policies/Microfinance/microfinance0100.asp?p=polic
]Search in Google Scholar
[
Ayyagari, M., Demirgüç-Kunt, A. &Maksimovic, V., 2011. Small vs. Young Firms Across the World – Contribution to Employment, Job Creation and Growth, Policy Research Working Paper 5631, The World Bank Development Research Group.
]Search in Google Scholar
[
Bagh, T., Arif, M., Liaqat, I., and Razzaq, S. 2017. Impact of Financial Constraints on Growth and Development of Small and Medium Enterprises in Sialkot Pakistan. International Journal of Financial Markets, Vol. 2, No(4), 131–145.
]Search in Google Scholar
[
Baidoo, S.T., Sakyi, D. and Aidoo, J.B., 2020. Does gender matter in credit denial among small and medium scale enterprises in Ghana?. Int. J. Entrepreneurship and Small Business, Vol. 39, No. 3, pp.339–362.
]Search in Google Scholar
[
Bateman, M., 2011. Microfinance as a development and poverty reduction policy: is it everything it is cracked up to be? Background Note. The Overseas Development Institute ISSN 1756-7610.
]Search in Google Scholar
[
Bagh, T., Arif, M., Liaqat, I., and Razzaq, S., 2017. Impact of Financial Constraints on Growth and Development of Small and Impact of Financial Constraints on Growth and Development of Small and Medium Enterprises in Sialkot Pakistan. International Journal of Financial Markets, Vol. 2, No(January), 131–145.
]Search in Google Scholar
[
Chavan, P. and Kumar, R.R., 2002. Micro-credit and Rural Poverty: An Analysis of empirical evidence, Economic and Political Weekly, 37(10), 955-965.
]Search in Google Scholar
[
Dana, L., Gurau, C., Light, I., and Muhammad, N., 2019. Family, Community, and Ethnic Capital as Entrepreneurial Resources: Toward an Integrated Model. Journal of Small Business Management, 0(0), 1–21. https://doi.org/10.1111/jsbm.12507
]Search in Google Scholar
[
Davis, P., 2007. Discussions among the Poor: Exploring poverty dynamics with focus groups in Bangladesh. CPRS Working Papers no. 84. Manchester: IDPM, University of Manchester.
]Search in Google Scholar
[
Demirgüç-Kunt, A., Klapper, L., and Panos, G. A., 2007. The Origins of Self-Employment. World Bank. worldbank.org/INTFR/.../BosniaFeb07Klapperetal.pdf
]Search in Google Scholar
[
Dichter, T.W., 1999. NGOs in microfinance: Past, present, and future, In Microfinance in Africa, Breth, S. A. (Ed.)
]Search in Google Scholar
[
Economic Survey 2009-2010
]Search in Google Scholar
[
Ejaz Sh, A and Ramzan, M., 2018. Microfinance and Entrepreneurship –A Case Study of Akhuwat, Interdisciplinary Journal of Contemporary Research in Business, VOL 4, NO 7
]Search in Google Scholar
[
Fraenkel, J. R. and Wallen, N. E., 2006. How to design and evaluate research in education (8th ed.) Boston: McGraw Hill.
]Search in Google Scholar
[
George, A., 2005. India Untouched: The Forgotten Face of Rural Poverty. Writers’ Collective.
]Search in Google Scholar
[
Hassan, M. Kabir., 2002. The Microfinance Revolution and the Grameen Bank Experience in Bangladesh, Financial Markets, Institutions and Instruments, 11:3, 205-65
]Search in Google Scholar
[
Hussain, 1994. Impact of microcredit on women empowerment: A review paper. World International Survey Report, 74.
]Search in Google Scholar
[
Jegatheesan, S., Ganesh, S., and Kumar, P. S., 2011. Research Study about the Role of Microfinance Institutions in the Development of Entrepreneurs. International Journal of Trade, Economics, and Finance, vol. 2, no. 4, pp. 300-303.
]Search in Google Scholar
[
Khanal, R., 2010. Role of Micro Finance in Developing Micro Entrepreneurship: Mexico City Sakawa Africa Association, pp: 12-37.
]Search in Google Scholar
[
Khawari, A., 2004. Microfinance: Does it hold its promises? A Survey of Recent Literature, Microfinance Handbook: An Institutional and Financial Perspective, The World Bank: Sustainable Banking with the Poor, Washington, D.C.
]Search in Google Scholar
[
Khushahali Bank Annual Report, 2007. https://khushhalibank.com.pk/sites/default/files/annual_reports/annual_report_may_22_0.pdf
]Search in Google Scholar
[
La Porta, R., and Shleifer, A., 2008. The Unofficial Economy and Economic Development. Brookings Papers on Economic Activity.
]Search in Google Scholar
[
Ledgerwood, J., 1999. Microfinance Handbook: An institutional and financial perspective. The World Bank publications, USA.
]Search in Google Scholar
[
Ledgerwood, J., and White, V., 2006. Transforming Microfinance Institutions: Providing Full Financial Services to the Poor, the World Bank, ISBN 0-8213-6615-7
]Search in Google Scholar
[
Littlefield, E., Murduch, J., and Hashemi, S., 2003. Is Microfinance an Effective Strategy to Reach the Millennium Development Goals? Focus Note No. 24, CGAP, Washington, USA, 2003 Livelihoods: Microfinance that Works for the Majority, A Guide to Best Practices, London.
]Search in Google Scholar
[
Chemin, M., 2010. Entrepreneurship in Pakistan: government policy on SMEs, environment for entrepreneurship, internationalisation of entrepreneurs and SMEs. Int. J. Bus. Glob. 5 (3) pp. 238–247.
]Search in Google Scholar
[
Microwatch, 2009. List of Microfinance banks, Microfinance Institutions, and Others in Pakistan, 11, p.16
]Search in Google Scholar
[
Mmereki, D., Hovorka, A. and Gwebu, T., 2020. A gender analysis of micro-entrepreneurship in developing-transition countries: insights from Botswana. Int. J. Entrepreneurship and Small Business, Vol. 39, No. 3, pp.395–429.
]Search in Google Scholar
[
Morduch, J. and Haley, B., 2002. Analysis of the Effects of Microfinance on Poverty Reduction. Working Paper No. 1014, Wagner Graduate School of Public Service, New York University, New York, USA.
]Search in Google Scholar
[
Moya-Dávila F.A., and Rajagopal A., 2020. Managing Microfinance Institutions: Analyzing How Relationships Influence Entrepreneurial Behavior. In: Rajagopal, Behl R. (eds) Innovation, Technology, and Market Ecosystems. Palgrave Macmillan, Cham.
]Search in Google Scholar
[
MPI, 2014-15. Pakistan Social and Living Standards Measurement (PSLM) survey (calculated from 15 indicators related to education, health and standard of living).
]Search in Google Scholar
[
Mustafa, Z., and Ismailov, N., 2008. Entrepreneurship and Microfinance- A tool for empowerment of poor- Case of Akhuwat-Pakistan. Master Thesis, School of Sustainable Development of Society and Technology.
]Search in Google Scholar
[
Muhammad, N., McElwee, G. and Dana, L.P., 2017. Barriers to the development and progress of entrepreneurship in rural Pakistan. International Journal of Entrepreneurial Behavior & Research, 23 (2) pp. 279–295.
]Search in Google Scholar
[
Nair, M. and Njolomole, M., 2020. Microfinance, entrepreneurship and institutional quality, Journal of Entrepreneurship and Public Policy, Vol. ahead-of-print No. https://doi.org/10.1108/JEPP-07-2019-0061
]Search in Google Scholar
[
Household Integrated Income and Consumption Survey (HIICS), 2015-16. Survey on poverty line in Pakistan.
]Search in Google Scholar
[
Navajas, Sergio, Schreiner, Mark, Meyer, Richard L., Gonzalez-vega, Claudio and Rodriguez-Meza, Jorge., 2000. Microcredit and the Poorest of the Poor: Theory and Evidence from Bolivia, World Development, 28:2, 333-346
]Search in Google Scholar
[
Nouman. M., Khan and Khattak, A.M., 2009. Availability of Microfinance & Its Impact on Economic Growth: A Case Study of Rural Areas of Khyber Pakhtunkhwa, Volume IV, Number 2
]Search in Google Scholar
[
Otero, M, and Rhyne, E, eds., 1994. The New World of Microenterprise Finance. London: IT Publications. Pakistan Economic Survey 2018-2019
]Search in Google Scholar
[
Panjaitan-Drioadisuryo, R. D. M. and Cloud, K., 1999. Gender, Self-Employment, and Microcredit Programs: An Indonesian Case Study.’ The Quarterly Review of Economics and Finance, 39: 769–79.
]Search in Google Scholar
[
Parasuraman, A., Zeithaml, V.A. and Berry, L.L., 1985. A conceptual model of service quality and its implications for future research. Journal of Marketing, Vol. 49 No. 3, pp. 41-50.
]Search in Google Scholar
[
Ramzan, M and Ejaz, A., 2012. Microfinance and Entrepreneurship –A Case Study of Akhuwat, Interdisciplinary Journal of Contemporary Research in Business, VOL 4, NO 7
]Search in Google Scholar
[
Rauf, S. A and Mahmood, T., 2009. Growth and Performance of Microfinance in Pakistan. Pakistan Economic and Social Review, Volume 47, No. 1 (Summer 2009), pp. 99-122
]Search in Google Scholar
[
Robinson, M., 2001. The Microfinance Revolution: Sustainable Finance for the Poor. Washington, DC: World Bank.
]Search in Google Scholar
[
Saad, N., M., and Mohammad, M., O., Haneef, M., A., 2020. Empowering Community through Entrepreneurship Training and Islamic Micro-Financing: Sharing the Experience of IIUMCIMB Islamic Smart Partnership (i-Taajir), Economics, Business, and Islamic Finance in ASEAN Economics Community, DOI: 10.4018/978-1-7998-2257-8.ch0
]Search in Google Scholar
[
Schreiner, M. and Colombet, H.H., 2001. From Urban to Rural: Lessons for Microfinance from Argentina. Development Policy Review, 19 (3): 339-354
]Search in Google Scholar
[
Shanghnessy, J.J., & Zecheister, E.B., 1997. Research methods in Physiology. Singapore.
]Search in Google Scholar
[
Sherazi, S. K., Iqbal, M. Z., and Asif, M., 2013. Obstacles to Small and Medium Enterprises in Pakistan. Principal Component Analysis Approach. 13(10), 1325–1334. https://doi.org/10.5829/idosi.mejsr.2013.13.10.1186
]Search in Google Scholar
[
Si, S., Ahlstrom, D., Wei, J. and Cullen, J. 2020. Business, Entrepreneurship and Innovation toward Poverty Reduction. Entrepreneurship & Regional Development, 32:1-2, 1-20, DOI: 10.1080/08985626.2019.1640485
]Search in Google Scholar
[
Simanowitz, A. 2003. Appraising the Poverty Outreach of Microfinance: A Review of the CGAP Poverty Assessment Tool (PAT). Occasional Paper 1. Imp-Act, Institute of Development Studies.
]Search in Google Scholar
[
SMEDA, 2018. http://www.smeda.org/index.php?option=com_content&view=article&id=7:state-of-smesinpakistan&catid=15.
]Search in Google Scholar
[
Storey, D. J., 1994. Understanding the small business sector. Routledge.
]Search in Google Scholar
[
World Bank Report, 2007. Performance and Transparency: A survey of microfinance in South Asia (Khushahali Bank Annual Report 2007, pg. 4)
]Search in Google Scholar
[
Zaheer, S., and Kazmi, A., 2019. Perceived Barriers to Youth entrepreneurship in Pakistan and Hungary. (June 2018). https://doi.org/10.21791/IJEMS.2018.3.31.CITATIONS
]Search in Google Scholar
[
Zahoor, K. Alam, K. and Asmat, U., 2009. Cooperative Microfinance: A New Option for Government and Development Organizations. Journal of Managerial Sciences, 3, 180-191.
]Search in Google Scholar
[
Zaigham, R, N. 2011. A Sustainability of Micro Finance Banks: A comparative Case study from Pakistan. Interdisciplinary Journal of Contemporary Research in Business, Vol: 3, NO 8.
]Search in Google Scholar
