Issues for the Nineties. IIM, Ahmedabad. W.P. No.886, 1990. p.47, National Seminar on Banking, IDS Jaipur. Published in Rural Credit: Issues for the Nineties (Ed.Surjeet Singh, IDS, Jaipur), Oxford & IBH Publishing Co.Pvt.Ltd., 1991, pp.50 – 90. — L15
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