IOSR-JEF   Volume-14 ~ Issue-5 ~ Sep. – Oct. 2023

[1]. Abdul-Majeed Alaro, A., & Alalubosa, A.H. (2019). Potential Of Sharı'ah Compliant Microfinance In Alleviating Poverty In Nigeria. International Journal Of Islamic And Middle Eastern Finance And Management, 12(1), 115–129.
[2]. Adhikary, S., & Papachristou, G. (2014). Is There A Trade-Off Between Financial Performance And Outreach In South Asian Microfinance Institutions? The Journal Of Developing Areas, 48(4), 381-4
Ahmed, H. (2002). Financing Microenterprises: An Analytical Study Of Islamic Microfinance Institutions. Islamic Economic Studies, 9(2), 27-64.
[4]. Ali, A.E.E.S. (2017). The Challenges Facing Poverty Alleviation And Financial Inclusion In North-East Kenya Province (NEKP). International Journal Of Social Economics, 44(12), 2208–2223.
[5]. Armendariz De Aghion, B., & Morduch, J. (2000). Microfinance Beyond Group Lending. Economics Of Transition, 8(2), 401-20

[1]. Kashyap, Hemant. "Digital Lending To Become A $1.3 Tn Market By 2030 In India." Inc42, 27 September 2022,
Https://Inc42.Com/Buzz/Digital-Lending-Become-1-3-Tn-Market-2030-India/. Accessed 20 March 2023.
[2]. Reserve Bank Of India. "Report Of The Working Group On Digital Lending Including Lending Through Online Platforms And Mobile Apps." Rbi Report, Rbi, 18 November 2021,
Https://Www.Rbi.Org.In/Scripts/Publicationreportdetails.Aspx?Urlpage=&Id=1189. Accessed 20 March 2023.
[3]. Reserve Bank Of India. "Report Of The Working Group On Digital Lending Including Lending Through Online Platforms And Mobile Apps." Rbi Report, Rbi, 18 November 2021,
Https://Www.Rbi.Org.In/Scripts/Publicationreportdetails.Aspx?Urlpage=&Id=1189. Accessed 23 February 2023.
[4]. Sangani, Priyanka. "Now, Millennials Turn 'Money Lenders' To Earn Higher Returns." The Economic Times, 13 May 2017,
Https://Economictimes.Indiatimes.Com/Wealth/Invest/Now-Millennials-Turn-Money-Lenders-To-Earn-Higher Returns/Articleshow/58654912.Cms. Accessed 20 April 2023.
[5]. Sengupta, Anushka. "India's Digital Lending Market Worth $270 Bln In 2022, Disbursement Grew By 11% : Reports." Et Bfsi, Economic Times, 28 January 2023, Https://Bfsi.Economictimes.Indiatimes.Com/News/Fintech/Indias-Digital-Lending-Market-Wort H-270-Bln-In-2022-Disbursement-Grew-By-11-Reports/97388937. Accessed 23 February 2023.

[1]. Al-Nimer, M., & Alslihat, N. (2016). The Effect Of Asset Structure Ratios On Market Value In Jordanian Insurance Companies Listed In Amman Stock Exchange. Journal Of Economics And Sustainable Development, 8(6), 140-146.
[2]. Cavusoglu, H., Mishra, B., & Raghunathan, S. (2018). The Effect Of Internet Security Breach Announcements On Market Value: Capital Market Reactions For Breached Firms And Internet Security Developers. International Journal Of Electronic Commerce, 9(1), 70-104.
[3]. Du, X., & Lai, S. (2018). Financial Distress, Investment Opportunity, And The Contagion Effect Of Low Audit Quality: Evidence From China. Journal Of Business Ethics, 147(3), 565-593.
[4]. Ghasemi, A., & Zahediasl, S. (2012). Normality Tests For Statistical Analysis: A Guide For Non-Statisticians. International Journal Of Endocrinology And Metabolism, 10(2), 486.

[1]. Factors And Organizational Performance: A Resource-Based View And Social Exchange Theory Viewpoint. International Journal Of Academic Research In Business And Social Sciences, 8(3), 579–599.
[2]. Chamboko, R., Cull, R., Gine, X., Heitmann, S., Reitzug, F. & Van Der Westhuizen, M. (2020). The Role Of Gender In Agent Banking : Evidence From The Democratic Republic Of Congo. Policy Research Working Paper;No. 9449. World Bank, Washington, DC. Https://Openknowledge.Worldbank.Org/Handle/10986/34657
[3]. Chapman, G.A., (2021). Anticipating The Impact Of Disruptive Technologies On Smes In Kwazulu-Natal: A Case Study. Expert Journal Of Business And Management, 9(1):42-54.
[4]. Chepkorir, N., Kemboi, R., & Bett, A. (2022). Relationship Between Mobile Banking And Financial Performance Of Deposit Taking Savings And Credit Cooperatives In Kericho County, Kenya. East African Journal Of Business And Economics, 5(1), 62-71. Https://Doi.Org/10.37284/Eajbe.5.1.551
[5]. Figueiredo, P. N., & Cohen, M. (2019). Explaining Early Entry Into Path-Creation Technological Catch-Up In The Forestry And Pulp Industry: Evidence From Brazil. Research Policy, 48(7), 1694-1713.

[1]. Alves, D, Vieira L, Lima S, Cátia, & Raul R (2016). Financial Balance Of Small Independent Manufacturing Firms: The Management View 21(7).
[2]. Ayneshet, A (2020). Determinants Of Profitability In Manufacturing Firms: A Case Study In
[3]. Barney, J. B. (1991). Firm Resources And Sustained Competitive Advantage. Journal Of Management, 17, 99–120.
[4]. Brady M (2016). Divesting For Growth. The Value Of Selling Non-Core Units. TOPPAN. 747 Third Avenue, 7th Floor, New York, NY 10017
[5]. Chalos P., C.J.P. Chen (2014). Employee Downsizing Strategies: Market Reaction And Post Announcement Financial Performance // Journal Of Business Finance And Accounting, 43(2)..

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