Balasubramanian, C., and A. A. “Microsavings- A Neglected Pillar of Microfinance: Does Literacy Influence the Saving Preferences of Poor Women?”. Journal of Contemporary Research in Management (JCRM), vol. 10, no. 1, Sept. 2015, https://jcrm.psgim.ac.in/index.php/jcrm/article/view/392.