Choudhary, Indu, and Punam Tyagi. “ROSCAs: Creating Incentives for Micro-Entrepreneurship”. International Journal on Economics, Finance and Sustainable Development 4, no. 11 (November 14, 2022): 59-73. Accessed April 25, 2024. https://journals.researchparks.org/index.php/IJEFSD/article/view/3654.