R. Odogola, W. Wanzira, P. Anandajayasekeram, J. Aluma, J. Asege, and J. Mugerwa, “Experiences with micro finance in improving rural livelihoods: a case for the Farmesa project in East and Southern Africa with focus on Uganda”, UJAS, vol. 9, no. 1, pp. 45–55, Sep. 2004.