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https://www.birmingham.ac.uk/news-archive/2020/esther-ocloo-a-pioneer-of-womens-microcredit-in-ghana-and-the-world Esther Ocloo, a Pioneer of Women's Microcredit in Ghana and the World - University of Birmingham Jovia Salifu points to the under-recognition of Ghanaian woman pioneer, Esther Ocloo, in the history of micro-credit worldwide. the world universityesther ocloopioneerwomenmicrocredit