Hartarska, Valentina, Denis Nadolnyak, and Xuan Shen. “Efficiency in Microfinance Cooperatives”. Revista iberoamericana de estudios de desarrollo = Iberoamerican journal of development studies 1, no. 2 (November 5, 2012): 52–75. Accessed April 8, 2025. https://papiro.unizar.es/ojs/index.php/ried/article/view/3556.