Khan, Z. ., H. . Muhammad Yasin, and A. . Ullah. “Is Cooperative Microfinance a Myth or Reality? An Economic Analysis of the Welfare of Marginalized Segments”. The Journal of Humanities & Social Sciences, vol. 19, no. 2, Jan. 2023, pp. 61-72, http://ojs.uop.edu.pk/jhss/article/view/812.