Credit, Insurance, Agriculture, Smallholders

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682, Winkel, Anne, van Asseldonk, Marcel, Lensink, Robert and Bulte, Erwin (2016) Adoption and impact of index-insurance and credit for smallholder farmers in developing countries: A systematic review. Agricultural Finance Review, 76 (1). pp. 94-118. ISSN 0002-1466 (doi:10.1108/AFR-11-2015-0050)

FARM-Africa, South Africa, Northern Cape, land reform, advocacy, evaluation

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 (2008) FARM-Africa South Africa Northern Cape land reform and advocacy programme 2004-2008: final evaluation. Project Report. Natural Resources Institute, Chatham, UK.

Financial inclusion; poverty; microfinance; econometric analysis; Peru

Schmied, Julian and Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 (2017) Financial inclusion and poverty: The case of Peru. Regional and Sectoral Economic Studies, 16 (2). pp. 1-26. ISSN 1578-4460

ICT, social inclusion, microfinance, developing countries

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 and Yan, Lin (2011) ICT and social inclusion: the case of microfinance in developing countries. In: Bak, Ozlem and Stair, Nola, (eds.) Impact of E-Business Technologies on Public and Private Organizations: Industry Comparisons and Perspectives. IGI Global, Hershey, Pennsylvania, USA. ISBN 9781609605018 (Print) 9781609605025 (eISBN) (doi:10.4018/978-1-60960-501-8)

INT, international, industry, banking, corporate, insurance, poverty, private sector

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 (2007) International [section heading]: interest in microfinance set to grow. Oxford Analytica Daily Brief.

Insurance-linked credit, choice experiment, Kenya, random parameter logit, willingness to pay, maximum simulated likelihood, Bayesian estimation

Shee, Apurba ORCID: https://orcid.org/0000-0002-1836-9637, Turvey, Calum G. and Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 (2020) Heterogeneous demand and supply for an insurance-linked credit product in Kenya: A stated choice experiment approach. Journal of Agricultural Economics, 72 (1). pp. 244-267. ISSN 0021-857X (Print), 1477-9552 (Online) (doi:10.1111/1477-9552.12401)

Investment, finance, fisheries, Africa

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 and Chiwara, Charles (2011) Investment supply for small and medium enterprises. Project Report. University of Greenwich, London, UK. (Unpublished)

Microfinance; Sustainability; Outreach; Financial performance; South Asia; Latin America;

Awaworyi Churchill, Sefa and Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 (2016) Sustainability and outreach: a comparative study of MFIs in South Asia and Latin America and the Caribbean. Bulletin of Economic Research, 68 (5). pp. 1-23. ISSN 1467-8586 (Print), 1467-8586 (Online) (doi:10.1111/boer.12100)

Perception; Climate change; Vulnerability; Mitigation; Adaptation, farmers, South Africa

Elum, Zelda A., Modise, David M. and Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 (2016) Farmer’s perception of climate change and responsive strategies in three selected provinces of South Africa. Climate Risk Management, 16:CRM91. pp. 246-257. ISSN 2212-0963 (Print), 2212-0963 (Online) (doi:10.1016/j.crm.2016.11.001)

Rural; non-farm; business development; Asia; Africa; Latin America; Europe; markets

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 (2004) Institutional approaches to the delivery of business development: A review of recent literature. Technical Report. Natural Resources Institute, Chatham, UK.

SME, South Africa, fisheries, case study, financial services

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682, Chiwara, Charles and Munyuki, Elijah (2011) Financial services for SME fisheries: the case study of South Africa. Project Report. University of Greenwich, Greenwich Academic Literature Archive (GALA).

Social Science, Africa, Drought, Time series, Agriculture, Insurance

Turvey, Calum G., Shee, Apurba ORCID: https://orcid.org/0000-0002-1836-9637 and Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 (2019) Addressing fractional dimensionality in the application of weather index insurance and climate risk financing in agricultural development: A dynamic triggering approach. Weather, Climate, and Society, 11 (4). pp. 901-915. ISSN 1948-8327 (Print), 1948-8335 (Online) (doi:10.1175/WCAS-D-19-0014.1)

agricultural research, Bolivia, technology transfer, private sector

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 and Chancellor, Tim ORCID: https://orcid.org/0000-0002-4442-7001 (2005) Potential mechanisms for increasing the contribution of the private sector to agricultural research, development and technology transfer in Bolivia. Report. Natural Resources Institute, Chatham, UK.

agricultural research, agricultural technology, private investment, poverty reduction

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 and Chancellor, Tim ORCID: https://orcid.org/0000-0002-4442-7001 (2006) Stimulating private investment in agricultural research for greater impact on poverty reduction. Perspectives in Agriculture, Veterinary Science, Nutrition and Natural Resources, 1 (053).

aid, political economy, policy change, economics, development economics

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682, Killick, Tony and Gunatilaka, Ramani (1998) Aid and the political economy of policy change. Routledge, London / New York. ISBN 978-0-415-18705-3 (paperback), 978-0-415-18704-6 (hardback), 978-0-203-44653-9 (electronic)

capital flows, Latin America, economic development

Griffith-Jones, Stephany, Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 and Rodriguez, Alicia (1993) El retorno de capital a América Latina. Comercio exterior, 43 (1). pp. 37-50.

conditionality, aid, South East Asia, economy

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 (1996) Conditionality and South-East Asian adjustment. Report. Overseas Development Institute, London, UK. (doi:94)

conditionality, economy, adjustment, South East Asia, Latin America

Gunatilaka, Ramani and Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 (1998) Conditionality and adjustment in South East Asia and Latin America. In: Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682, Killick, Tony and Gunatilaka, Ramani, (eds.) Aid and the Political Economy of Policy Change. Routledge, London / New York, pp. 53-84. ISBN 978-0-415-18705-3 (paperback), 978-0-415-18704-6 (hardback), 978-0-203-44653-9 (electronic) (doi:10.4324/9780203446539.ch3)

credit, insurance, agriculture, smallholder farmers

Bulte, Erwin, Cecchi, Francesco, Lensink, Robert, Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 and Van Asseldonk, Marcel (2019) Does bundling crop insurance with certified seeds crowd-in investments? Experimental evidence from Kenya. Journal of Economic Behavior and Organization, 180. pp. 744-757. ISSN 0167-2681 (doi:10.1016/j.jebo.2019.07.006)

finance, insurance, credit

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682, van Asseldonk, Marcel, Burger, Kees, Lensink, Robert and Bulte, Erwin (2015) Optimal Packages: A review of impact assessment approaches of bundled insurance, credit and inputs. In: The 4th International Agricultural Risk, Finance and Insurance Conference (IARFIC), 7-9 Jun 2015, Washington DC, USA.

financial inclusion, microfinance, poverty, econometric research

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 and Schmied, Julian (2013) Financial inclusion and poverty: The case of Peru. In: 3rd European Research Conference on Microfinance, 10-12 Jun 2013, University of Agder, Kristiansand, Norway. (Unpublished)

financial services, fisheries, aquaculture, Africa, small and medium-scale enterprise, SME

Kleih, Ulrich, Linton, John, Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682, Mactaggart, Murdoch, Naziri, Diego ORCID: https://orcid.org/0000-0002-8078-5033 and Orchard, John E. (2012) Financial services for small and medium-scale aquaculture and fisheries producers. Marine Policy, 37. pp. 106-114. ISSN 0308-597X (doi:10.1016/j.marpol.2012.04.006)

financial sustainability, organisational sustainability, group-based microfinance

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 (2015) Tensions between financial and organisational sustainability: The problematic case of group-based microfinance and possible ways forward. In: Sorell, Tom and Cabrera, Luis, (eds.) Microfinance, Rights and Global Justice. Cambridge University Press, Cambridge, UK, pp. 145-162. ISBN 9781107110977

financial, exclusion, Kenya, Uganda

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 (2008) [Journal paper peer-review] Financial access and exclusion in Kenya and Uganda. The Journal of Development Studies. ISSN 1743-9140 (electronic) 0022-0388 (paper) (Unpublished)

fisheries, Sierra Leone

Baio, Andrew and Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 (2012) Economic appraisal of Public Private Partnership arrangements for four fish receiving centers in Sierra Leone. Project Report. Natural Resources Institute.

global financial partnerships, microfinance, India, Peru, Tanzania

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 and Tubaro, Paola (2010) Global financial partnerships in microfinance: India, Peru and Tanzania. In: Global Partnerships in Microfinance Conference, 6-7 Sep 2010, University of Greenwich, London, UK. (Unpublished)

group dynamics, microfinance, impacts, poverty reduction

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 (2006) The limitations of group-based microfinance and ways to overcome them. Small Enterprise Development, 17 (3). pp. 28-40. ISSN 0957-1329 (doi:10.3362/0957-1329.2006.029)

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 (2002) Studying group dynamics: an alternative analytical framework for the study of microfinance impacts on poverty reduction. Journal of International Development, 14 (4). 511 - 534. ISSN 1099-1328 (online) (doi:10.1002/jid.890)

housing, finance, development

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 (2000) [Book review] Housing and Finance in Developing Countries Edited by Kavita Datta and Gareth A. Jones. London and New York: Routledge, 1999. The Journal of Development Studies, 36 (4). pp. 182-198. ISSN 0022-0388 (Print), 1743-9140 (Online) (doi:10.1080/00220380008422642)

index insurance; bundled index insurance with credit and inputs; randomized control trial; consumption smoothing; investment in agricultural inputs

Belissa, Temesgen, Lensink, Robert and Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 (2024) The impact of bundling index insurance with credit and input vouchers: experimental evidence from Ethiopia. Journal of Economic Behavior and Organization. pp. 8-28. ISSN 0167-2681 (Print), 2328-7616 (Online) (In Press)

index-based Insurance (IBI); interlinked IBI-credit-input; randomized control trial

Belissa, Temesgen, Lensink, Robert and Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 (2018) Uptake and impact of interlinked index-based insurance with credit and agricultural inputs: experimental evidence from Ethiopia. Report. UK Data Service - Economic and Social Research Council, Department for International Development, Colchester, Essex. (doi:10.5255/UKDA-SN-853429)

inter-organisational networks, microfinance, partnerships, India, Peru, Tanzania

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 and Tubaro, Paola (2010) Inter-organisational networks in microfinance: lending partnerships in India, Peru and Tanzania. In: Lazega, Emmanuel, (ed.) Cahier de Recherche no. 1 de l'ORIO: Recherches récentes sur les processus sociaux mobilisant l’analyse des réseaux sociaux et organisationnels. Cahier d'ORIO (1). ORIO/Université Paris-Dauphine/IRISSO (Dauphine-CNRS), Paris, France, pp. 170-191.

livestock banks

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 (2008) Financing the development of black communities in the Northern Cape of South Africa - the case of livestock banks. In: Value 2008 Conference of the University of Johannesburg, 26-28 May 2008, Sun City, North West Province, South Africa. (Unpublished)

microfinance

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 (2008) Microfinance: current and future developments. In: Microfinance Day, 6 Feb 2008, London School of Economics, London, UK. (Unpublished)

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 (2007) Microfinance: history, growth potential and effectiveness. Oxford Analytica Daily Brief.

microfinance, India, business networks, network analysis, weak bridging ties,

Jackson, Cornell and Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 (2011) Strength of weak ties in microfinance. Project Report. University of Greenwich, London, UK, London, UK. (Unpublished)

microfinance, India, self-help groups, Leverhulme, public funding, poverty reduction

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 and Jackson, Cornell (2010) Collaborative models in BWDA and their self-help group in India. Project Report. University of Greenwich, London, UK.

microfinance, NGOs, Tanzania

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 and Tubaro, Paola (2011) Escape the low-growth trap? Microfinance in Tanzania. Project Report. University of Greenwich, Greenwich Academic Literature Archive (GALA).

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 and Petridis, Miltos (2010) The importance of being owned: microfinance institutions in Tanzania. Project Report. University of Greenwich, London, UK.

microfinance, Tamil Nadu, banks, holistic model

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 and Tubaro, Paola (2011) Crisis in Indian microfinance and a way forward: governance reforms and the Tamil Nadu model. Project Report. University of Greenwich, London, UK.

microfinance, community development, financial market development, poverty alleviation, innovative finance for the poor

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 (2009) Financing the development of poor communities in the Northern Cape of South Africa - an analytical framework for the study of livestock banks. Journal of Economic and Financial Sciences, 3 (1). pp. 9-30. ISSN 1995-7076

microfinance, financial inclusion, Latin America, (MFIs), microfinance institutions

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 and Schmied, Julian (2013) Financial inclusion in Peru. In: 9th University Meets Microfinance Workshop: Financial Inclusion and Microfinance in Latin America, 30-31 May 2013, Universidad de Salamanca, Salamanca, Spain. (Unpublished)

microfinance, financial inclusion, Peru

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682, Leon, Janina and Ponce, Fatima (2014) Financial inclusion of the poor in Peru: Explanatory factors and determinant. Applied Econometrics and International Development, 14 (1). pp. 101-130. ISSN 1578-4487

microfinance, financial institutions, poor

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 (2009) Microfinance and its role in the global institutions helping the poor. In: AHRC Research Network on Microfinance, 17 Jan 2009, Birmingham University, UK. (Unpublished)

microfinance, financial sustainability, efficiency, global financial crisis

Guidi, Francesco ORCID: https://orcid.org/0000-0002-2682-189X and Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 (2012) Microfinance institutions: financial sustainability and efficiency. In: The 3rd International Microfinance Conference, 31 Jan 2012, University of Greenwich, London, UK. (Unpublished)

microfinance, global partnerships, India, Peru, Tanzania

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 and Tubaro, Paola (2012) Global financial partnerships in microfinance: India, Peru and Tanzania. La Revista Iberoamericana de Estudios de Desarrollo / Iberoamerican Journal of Development Studies, 1 (1). pp. 29-57. ISSN 2254-2035

microfinance, group dynamics, financial sustainability, organisational sustainability

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 (2011) The challenges of group-based microfinance and suggestions for improvement. In: Contemporary Microfinance: Institutions, Policies and Performance, 5-7 Sep 2011, Cairo, Egypt. (Unpublished)

microfinance, interorganisation networks, Peru, India, Tanzania

De Vita, Riccardo and Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 (2012) Interorganizational networks in microfinance - a comparative study. In: The 3rd International Microfinance Conference, 31 Jan 2012, University of Greenwich, London, UK. (Unpublished)

microfinance, organisational performance, interorganisational networks, social network analysis

De Vita, Riccardo and Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 (2012) Interorganisational networks in the microfinance industry: the case of Peru. In: Sunbelt XXXII International Network for Social Network Analysis Annual Conference, 12-18 Mar 2012, Redondo Beach, CA, USA. (Unpublished)

microfinance, poverty

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 (2007) Tensions between financial sustainability and organisational sustainability. In: The Fredericks Microfinance Conference 2007, 13 Jul 2007, London Stock Exchange, London, UK. (Unpublished)

microfinance, poverty reduction

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 (2003) A challenge to the orthodoxy concerning microfinance and poverty reduction. Journal of Microfinance, 5 (2). pp. 7-42. ISSN 1527-4314

microfinance, poverty reduction, Peru, relationships

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 (2009) Does transformation enhance or hinder relationships? The struggle between financial and social goals in Peru. Project Report. University of Greenwich, London, UK.

microfinance, poverty, Peru

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682, León, Janina and Ponce, Fátima (2012) Financial inclusion of the poor in Peru: explanatory factors and determinants. In: Latin American and Caribbean Economic Association (LACEA) and Latin American Meeting of the Econometric Society (LAMES): 2012 Annual Meetings, 1-3 Nov 2012, Universidad del Pacifico at Lima, Peru.

microfinance, poverty, economic development

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 (1999) The poor and their money: what have we learned? ODI Poverty Briefing, 4. ISSN 1465-2617

microfinance, poverty, information asymmetries, Latin America, Peru

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 (2002) Microfinance and poverty reduction: the problematic experience of communal banking in Peru. Report. School of Oriental and African Studies, London, UK.

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 (2002) Studying group dynamics: an alternative analytical framework for the study of microfinance impacts on poverty reduction. Report. School of Oriental and African Studies, London, UK. (doi:121)

microfinance, social performance, global index

Awaworyi, Sefa and Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 (2012) An empirical study of microfinance social performance. In: The 3rd International Microfinance Conference, 31 Jan 2012, University of Greenwich, London, UK. (Unpublished)

microfinance, social performance, measurement index

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 and Awaworyi, Sefa (2012) Microfinance social performance: A global empirical study. Applied Econometrics and International Development, 12 (2). pp. 51-68. ISSN 1578-4487

microfinance, ties, India

Jackson, Cornell and Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 (2013) The strength of weak ties in microfinance. In: Basu, Ranajoy, (ed.) Microfinance: A Practitioner's Handbook. Globe Business Publishing Ltd., London, UK, pp. 193-205. ISBN 9781905783977

microfinance, trust, review, development, poverty

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 (2010) [Journal paper peer-review] The critical role of trust in microfinance success: identifying problems and solutions. World Development. ISSN 0305-750X (Unpublished)

microfinance, wholesale lending, India, governance

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 and Tubaro, Paola (2011) Crisis in Indian microfinance and a way forward: governance reforms and the Tamil Nadu model. Journal of International Development, 23 (7). pp. 996-1003. ISSN 0954-1748 (Print), 1099-1328 (Online) (doi:10.1002/jid.1823)

microfinance, wholesale lending, economics, business, India, Peru, Tanzania, loans, domestic funding, international funding, governance, regulation

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 and Tubaro, Paola (2013) The microfinance wholesale lending market: A comparative study of India, Peru and Tanzania. International Journal of Economics and Business Research, 5 (1). pp. 33-54. ISSN 1756-9850 (Print), 1756-9869 (Online) (doi:10.1504/IJEBR.2013.050641)

microfinance, wholesale lending, regulation, NGOs, Peru

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 (2012) Does transformation enhance or hinder financial relationships in microfinance? The struggle between financial and social goals in Peru. Enterprise Development and Microfinance, 23 (3). pp. 201-216. ISSN 1755-1978 (Print), 1755-1986 (Online) (doi:10.3362/1755-1986.2012.021)

poor, private investment, agricultural research, Bolivia

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 and Chancellor, Tim ORCID: https://orcid.org/0000-0002-4442-7001 (2005) How can the poor benefit from private investment in agricultural research? A case study from Bolivia. Development in Practice, 15 (3 & 4). pp. 325-336. ISSN 0961-4524 (Print), 1364-9213 (Online) (doi:10.1080/09614520500076043)

rural economy, development, finance

Davis, Junior, Proctor, Felicity and Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 (2004) Using the Rural Economic and Enterprise Development (REED) framework for analysis and joint action: outline and workplan for action research. Report. Natural Resources Institute, University of Greenwich, Chatham Maritime, UK.

rural microfinance, poverty reduction, rural development

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 (2012) Effectiveness of rural microfinance: what we know and what we need to know. Journal of Agrarian Change, 12 (4). pp. 555-563. ISSN 1471-0358 (Print), 1471-0366 (Online) (doi:10.1111/j.1471-0366.2012.00373.x)

water pollution, health and economic impacts, Bangladesh, clean technologies, institutional development

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 and Dasgupta, Nandini (2009) Industrial water pollution in Dhaka, Bangladesh: strategies and incentives for pollution control in small and medium enterprises. The International Journal of Interdisciplinary Social Sciences, 3 (11). pp. 97-108. ISSN 1833-1882

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 and Dasgupta, Nandini (2008) Strategies for water pollution control in Dhaka, Bangladesh: an institutional and economic analysis. In: 3rd International Conference on the Interdisciplinary Social Sciences, 22-25 Jul 2008, Monash University Centre, Prato, Tuscany, Italy. (Unpublished)

wholesale lending market, microfinance, Peru, Tanzania, Tamil Nadu

Marr, Ana ORCID: https://orcid.org/0000-0002-8764-5682 and Tubaro, Paola (2011) Wholesale funding to microfinance and social development goals in Peru, Tamil Nadu, and Tanzania. Enterprise Development and Microfinance, 22 (4). pp. 304-321. ISSN 1755-1978 (Print), 1755-1986 (Online) (doi:10.3362/1755-1986.2011.033)