Seibel, Hans Dieter; Schrader, Heiko - 1999
Rotating savings and credit associations (RoSCAs) are, next to moneylenders, the most prevalent type of informal … published the results under the title Dhikuti: The Small Businessman's Informal Self-Help Bank in Nepal in Savings and … legal framework: the transformation of an organization of dhikuti origins into the Himalaya Finance & Savings Company. No …