SEIBEL, Hans Dieter; DHAKHWA, Uttam; SCHRADER, Heiko. A Note on Informal to Formal Microfinance: The Himalaya Savings and Finance Company in Nepal. Economic Journal of Nepal, [S. l.], v. 22, n. 3, p. 137–146, 1999. DOI: 10.3126/ejon.v22i3.72380. Disponível em: https://nepjol.info/index.php/EJON/article/view/72380. Acesso em: 23 feb. 2025.