V Basil Hans, and Ayush G. Kottary. “Banking and Microfinance: Main Functions, Mechanisms, Effects and Policy Implications”. Journal of Advanced Research in Entrepreneurship, Innovation and SMES Management, vol. 4, no. 2 (July-December), Sept. 2026, pp. 17-24, https://www.adrjournalshouse.com/index.php/Journal-Entrepreneurship-SMEMgt/article/view/2780.