Olubiyo, S. O.; Hill, G. P. (2003). "Beyond the Risk Factor: Bank Lending to Small-Scale Peasant Farms in Nigeria". African Review of Money Finance and Banking: 5–22. JSTOR23026310.
ssrn.com
papers.ssrn.com
Imhanlahimi, Joseph E.; Idolor, Eseoghene Joseph (2010-06-04). "Poverty Alleviation Through Micro Financing in Nigeria: Prospects and Challenges". Journal of Financial Management & Analysis. Rochester, NY. SSRN1689893.