M. . Nadiya, F. . Olivares-Polanco, and T. R. . Ramanan, “Dangers in Mismanaging the Factors Affecting the Operational Self-Sustainability (OSS) of Indian Microfinance Institutions (MFIs) - An Exploration into Indian Microfinance Crisis”, 5002, vol. 2, no. 3, pp. 448–462, Jul. 2012.