Fayyaz, S., T. Salahuddin, I. Nasim, and A. Ahmed. “Studying the Impact of Composition of Personal Empowerment on Beneficiaries of Microcredit”. Pakistan Journal of Economic Studies (PJES), vol. 1, no. 2, Dec. 2018, pp. 153-64, https://journals.iub.edu.pk/index.php/pjes/article/view/333.