NWANNA, Gladson I. <br/><br/>
Forging collaboration between formal and informal financial markets : some thoughts. 

 -  1994 
<br/><br/> Notes that improvements in the provision of financial services would be gained by upgrading existing informal arrangements and linking them to formal institutions.  Concludes that the more inter-linked the markets are, the more successful and effective the governments can use fiscal and monetary policy to control and regulate the economy.