?url_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Adc&rft.title=Self+Help+Groups%3A+Use+of+modified+ROSCAs+in+Microfinance&rft.creator=Aniket%2C+K&rft.description=The+paper+documents+the+group+lending+mechanism+used+by+a+typical+microfinance+lender+in+Haryana%2C+India.+The+mechanism+had+three+interesting+features.+Firstly%2C+the+groups+were+initially+formed+as+Rotating%2C+Saving+and+Credit+Associations.+This+enabled+the+lender+to+screen+the+groups.+Second%2C+there+was+significant+heterogeneity+within+the+group+in+terms+of+income+and+educational+achievements.+Third%2C+the+relatively+wealthy+individuals+dominated+the+decision+making+process+in+the+group+and+were+able+to+obtain+a+disproportionate+amount+of+credit+allocated+to+the+group.&rft.subject=Microfinance%2C+Group+Lending%2C+Credit%2C+Saving&rft.publisher=School+of+Economics%2C+the+University+of+Edinburgh&rft.date=2005-11&rft.type=Working+%2F+discussion+paper&rft.language=eng&rft.source=++++(ESE+Discussion+Papers++137).+School+of+Economics%2C+the+University+of+Edinburgh%3A+Edinburgh%2C+UK.+(2005)+++++&rft.format=text&rft.identifier=https%3A%2F%2Fdiscovery.ucl.ac.uk%2Fid%2Feprint%2F10052368%2F1%2Fid137_esedps.pdf&rft.identifier=https%3A%2F%2Fdiscovery.ucl.ac.uk%2Fid%2Feprint%2F10052368%2F&rft.rights=open