00453pab a2200145 454500008004000000100001900040245009600059260000900155300001400164362001200178650004600190650003900236650001200275773002000287180718b2008   xxu||||| |||| 00| 0 eng d  aVirender Kumar  aMicrofinancing in hill states with special reference to Himachal Pradesh - some reflections  c2008  ap.139-56.  aJul-Dec  aBackward areas - India - Himachal Pradesh  aFinance - India - Himachal Pradesh  aFinance  aIASSI Quarterly