1 martin holtmann and mattias grammling:"a tllokit for designing and implementing staff incentive schemes."
2 martin holtmann :"designing financial incentives to increase loan officer productivity."
3 andrew mckim and mattthew hughart :"staff incentive schemes in practice:findings from a global survey of microfinance institutions"
4  martin holtmann :"developing staff incentive schemes"
5 chantal fortier :" improving employee performance in microfinance institutions"
6: martin holtmann "designing financial incentive schemes for loan officers:handle with care"   "principle for designing staff incentive schemes"