“A SITUATIONAL ANALYSIS OF MANAGEMENT APPROACHES TO AGRICULTURAL AND RURAL DEVELOPMENT, AND THE GRAMEEN BANK SYSTEM: PAST EXPERIENCES FROM AND WITHIN COMMONWEALTH DEVELOPING COUNTRIES: LESSONS FOR SOUTH AFRICAN AGRICULTURAL AND RURAL DEVELOPMENT”, SJBEM, vol. 2, no. (4), pp. 56–82, Apr. 2013, Accessed: Jul. 16, 2026. [Online]. Available: https://www.singaporeanjbem.com/index.php/SJBEM/article/view/134