Chaudhuri, Ranjan, Sushil, and Pravin Patil. “Conceptualizing Microfinance Initiatives in India Using SAP-LAP Model:A New Paradigm in Marketing Engineering”. Indian Journal of Marketing 39, no. 6 (June 29, 2009): 23–29. Accessed December 19, 2025. https://indianjournalofcomputerscience.com/index.php/ijom/article/view/36991.