Fayyaz, Sana, Taseer Salahuddin, Ismat Nasim, and Alia Ahmed. 2018. “Studying the Impact of Composition of Personal Empowerment on Beneficiaries of Microcredit”. Pakistan Journal of Economic Studies 1 (2), 153-64. https://journals.iub.edu.pk/index.php/pjes/article/view/333.