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Conditions in Which Microfinance has Emerged in Certain Regions and Consequent Policy Implications
The paper looks at some macro data on the availability of infrastructure, economic growth, density of population and the availability of formal financial services to examine if any of these factors explain the growth of microfinance in certain regions, while the other regions lag behind.
Link
http://www.iimahd.ernet.in/publications/data/2005-05-03sriram.pdf