Azad, M. A.; Munisamy, S.; Masum, A. K.; Wanke, P. Do African Microfinance Institutions Need Efficiency for Financial Stability and Social Outreach?. S. Afr. J. Sci. 2016, 112 (9/10), 8. https://doi.org/10.17159/sajs.2016/20150474.