1. Amin, R., Becker, S., & Bayes, A. (1998). NGO promoted microcredit programs and women’s empowerment. Journal of Developing Areas, 32, 221–236.
2. Anderson, C. L., Gugerty, M. K., & Levine, R.O.Weaver, M. (2002). Microfinance and HIV/AIDS: Five key questions on program impact. CHER (Center for Health Education and Research). Seattle, WA. Available at: http://www.synergyaids.com/documents/AdvancesSeriesMicrofinance3Oct03.pdf . Accessed 10 March 2007.
3. Auerbach, J., & Coates, T. J. (2000). HIV prevention research: accomplishments and challenges for the third decade of AIDS. American Journal of Public Health, 90, 1–7. doi: 10.2105/AJPH.90.7.1029 .
4. Barnes, C. (2003). Microfinance and households coping with HIV/AIDS: An exploratory study. New York: The population council. Available at: http://www.popcouncil.org/pdfs/horizons/microfinzimbfnl.pdf . Accessed 25 March 2005.
5. Barnes, C. (2005). Microcredit and households coping with HIV/AIDS: A case study from Zimbabwe. Journal of Microfinance, 7, 55–77.