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Simanowitz, A. (2003). Appraising the poverty outreach of microfi- nance: A review of the cgap poverty assessment tool (PAT). Im- proving the Impacts of Microfinance on Poverty: Action Research Programme, 1, 1-7. http://ageconsearch.umn.edu/bistream/23743/1/ op030001.pdf (accessed: 1 August 2008).

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