{{cite journal | last1=Jaffar | first1=S.S. | author2=K. Javed | author3=T.E. Lodhi | year=2006 | title=AN EVALUATION OF MICRO CREDIT SCHEMES OF SMALL AND MEDIUM ENTERPRISE DEVELOPMENT AUTHORITY (SMEDA) | journal=Journal of Animal and Plant Sciences | volume=16 | issue=4 | pages=NA | issn=1018-7081 | eissn=2309-8694 | publisher=Pakistan Agricultural Scientists Forum | url=https://thejaps.org.pk/AbstractView.aspx?mid=2006-JAPS-401}}