Books and Papers
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    Beyond Micro-credit: Putting Development Back into Micro-Finance . (With Thomas Fisher) New Delhi: Sage Publications (Vistaar Imprint), 2002.
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    Flow of Credit to Small and Marginal Farmers in India . (With Samar Datta) New Delhi: Oxford and IBH Publishing House, 2006.
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Book Chapters     

  1. Feasibility Study of the Co-operative Sector: An approach paper for HIVOS (February 1992) Published in: Fernandes, Reena (Ed.): Proceedings of the Conference on Future of Co-operatives in India. Technical Report Series 1.3, Bangalore: HIVOS Regional Office.
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  1. Agricultural Commodity Co-operatives in India (February, 1992) Published in Fernandes, Reena (Ed.): Proceedings of the Conference on Future of Co-operatives in India. Technical Report Series 1.3, Bangalore: HIVOS Regional Office. (The paper was earlier presented in the conference held in January 1993.
  1. Capital Formation Strategies of District Level Dairy Co-operative Unions in Gujarat  (With K Prathap Reddy and Rajesh Agrawal)  Published in Rajagopalan, R (Ed.): Rediscovering Co-operation Vol-II.  Anand: Institute of Rural Management. (The paper was presented in the National Seminar on Rediscovering Co-operation held in November 1996).
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  1. Strategies for Financial Co-operatives in the New Millenium (2000) in Reddy, Prathap. K and Singh, Katar (Ed): Designing and Managing Rural Development Organisations. Delhi: Oxford and IBH Publishing Co. (The paper was presented at the National Symposium on "Building and Managing Organisations for Rural Development in the New Millennium", held at IRMA in December 1999.
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  1. Business development service for small enterprises: A Case study of Hyderabad (With Phansalkar, SJ) (January 2001)
Published in Levitsky, Jacob (Ed):
Small Business Services in Asian Countries: Market Development and Performance Measurement.
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  1. Term Financing in Agriculture: Case Studies in India (2003)
    Published in Term Financing in Agriculture: A Review of Relevant Experiences, FAO Investment Centre Occasional Paper Series No. 14, Part 4, Vol II pp.111-126. Rome: Food and Agriculture Organization of the United Nations.
  1. ICICI Bank, India (2004) (With Tara Nair and Vishwanath Prasad)
    Published in Harper, Malcolm and Arora Sukhwinder Singh (Ed): Small Cutomer, Big Market: Commercial Banks in Microfinance. London: Intermediate Technology Development Group Publishing.
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  1. Expanding Financial Services Access for the Poor: The Transformation of Spandana (2007)
    Published in Sujatha, B (Ed): Financial Inclusion: Concepts and Strategies.Hyderabad:The ICFAI University Press.
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  1. Credit to Small and Marginal Farmers in India (2008)(With Samar Datta)
    Published in Deshpande RS et.al. (Ed): Glimpses of Indian Agriculture: Macro and Micro Aspects. New Delhi: Academic Foundation
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  1. Innovations in Rural Finance: The Road Ahead (2008)
    Published in Sohani AK and Rao, Katuri Nageswara (Ed): Innovations in Rural Banking: Some New Concepts and Cases. Hyderabad:The ICFAI University Press.
livelihood
  1. Agrarian Distress and Rural Credit: Peeling the Onion (2008)
    Published in Datta, Sankar and Sharma, Vipin(Ed): State of India's Livelihoods: The 4P Report. New Delhi:Access Development Services.


Papers in Journals:   
  1. Sickness in Agrico-ops Sahakarita Sanshodhan Vol.VI, No.2, July-December 1992. (The paper was earlier presented at the Eleventh National Convention on Studies in Co-operation held in 1990)
  1. Financial Co-operatives in Quebec, Canada: A Study of the Desjardins Movement Journal of Rural Development , Vol 19, No.2, April-June 2000. Hyderabad: National Institute of Rural Development.
  1. Business Development Services for Small Enterprises – A study of Hyderabad, India (With SJ Phansalkar) Small Enterprise Development Vol.12, No.2, June 2001. London: ITDG Publishing. (The paper was earlier presented at the BDS Conference, April 2000, in Hanoi, Vietnam.
  1. Member Funds and Co-operative Performance (With Rajesh Agrawal, KV Raju, K Prathap Reddy and R Srinivasan) Journal of Rural Development, Vol.22, No.1, Jan-March 2003. Hyderabad: National Institute of Rural Development.
  1. Round Table on Microfinance (consisting of and Introduction and a Discussion) (With R Srinivasan) IIMB Management Review Vol.15, No.2, June 2003. Bangalore: Indian Institute of Management.
  1. The Transformation of Microfinance in India: Experiences, Options and Future (With Rajesh Upadhyayula) Journal of Microfinance. Vol.6, No.2.
    Presentation on Transformation of Microfinance in India
  1. Microfinance and the State: Exploring Areas and Structures of Collaboration Economic and Political Weekly, Vol.40, No.7, April 23, 2005. pp. 1699-1703.
    Presentation on Microfinance and State
  1. Rural Finance in Contemporary Times: Interface with Microfinance (with R Srinivasan) Vikalpa, Vol.30, No.2, April-June, 2005.
  1. Information Asymmetry and Trust: A Framework for Studying Microfinance in India Vikalpa, Vol.30, No.4, Oct-Dec, 2005.
  1. Reviving Cooperative Credit Institutions: Implementation Issues Economic and Political Weekly, Vol.XLI, No.4, January 28-February 03, 2006.
    2. Presentation on Implementation Issues
  1. Financial Status of the Poor: A Study in Udaipur District (with Smita Parhi) Economic and Political Weekly, Vol XLI. No.51. December 23-29, 2006.
  1. Innovations in Rural Finance: The Road Ahead Chartered Fianancial Analyst, Vol. 11 No.01, August 2007.
  1. Conditions in Which Microfinance Has Emerged in Certain Regions(with Radha Kumar) Economic and Political Weekly, Vol XLII. No.49. December 8-14, 2007.
    Presentation on Regional Disparities
  1. Productivity of Rural Credit: A Review of Issues and Some Recent Literature International Journal of Rural Management, Vol 3(2), 2007.
    Presentation on Productivity of Rural Credit
  1. Commercialisation of Microfinance Yojana, Vol 52, 1. January 2008.
  1. Rural Management Education in India: A Retrospect Seva Mandir Newsletter, June 2008.
  1. The Politics of Loan Waiver Transforming India, July 2008.

Papers Presented At Conventions/Symposia:
  1. Indicators of Performance in Co-ops: A Review of Methodological Issues and Empirical Results (With TP Gopalaswamy). Paper for Workshop on Accounting, Financial Planning & Control, Symposium on Management of Rural Co-operatives, IRMA, Anand.
  1. Business Planning Practices in Agricultural Co-operatives: Theme Paper. Presented for the Workshop of the same title at the Symposium on Management of Rural Co-operatives, IRMA, Anand.
  1. Achieving Mutuality: Business Planning Processes in an Loosely Embedded Federal Structure. Paper for the Workshop on Business Planning in Agricultural Co-operatives, Symposium on Management of Rural Co-operatives, IRMA, Anand.
  1. Business Development Services for Small Scale Enterprises in India: A Case Study of Hyderabad, Andhra Pradesh. (With SJ Phansalkar) Paper presented at the BDS Conference, April 4-7, 2000, Hanoi, Vietnam.


Working Papers:
  1. Case Study of Sanghamithra Rural Financial Services
  1. Case Study of Sarvodaya Nano Finance
Task Force/Committee Reports:
  1. Task Force on Revival of Rural Co-operative Credit Institutions
  1. Task Force on Revival of Rural Co-operative Credit Institutions (Long Term)
  1. Expert Group on Investment Credit
  1. Working Group to Suggest Measures to Assist Distressed Farmers
  1. Expert Panel for an Implementable Action Plan for Agrarian Distress

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