Sarma, Mandira, and Jesim Pais. “Financial Inclusion and Development”. Journal of International Development, vol. 23, no. 5, 2010, pp. 613-28, https://doi.org/10.1002/jid.1698.
Sarma, M., & Pais, J. (2010). Financial Inclusion and Development. Journal of International Development, 23(5), 613-628. https://doi.org/10.1002/jid.1698
Sarma M, Pais J. Financial Inclusion and Development. Journal of International Development. 2010;23(5):613-28.