From Standardization and Cross-Subsidization to Service Differentiation and External Subsidies: A Microfinance Strategy for Reaching the Poorest of the Poor.

Stuart, Guy. "From Standardization and Cross-Subsidization to Service Differentiation and External Subsidies: A Microfinance Strategy for Reaching the Poorest of the Poor." La revue Éthique et économique / Ethics and Economics 5.1 (2007).