)٢٦( M. Baydas &quot; Discrimination against women in formal credit markets: reality or rhetoric? &quot; World Development, vol. 22, no. 7, 1994, p. 1075.
26/ M. Baydas, &quot; Discrimination against women in formal credit markets: reality or rhetoric? &quot; , World Development, vol. 22, No. 7 (1994), p. 1075.