Prathap B N, Subrahmanya K C and Harisha B S (2021) “Microfinance Delivery – Challenges and Remedies”, International Journal of Management Studies (IJMS), 5(3(9), pp. 138–144. Available at: https://www.researchersworld.com/index.php/ijms/article/view/2130 (Accessed: 4 April 2026).