Ojua, T.A. et al. 2013. THE IMPACT OF COMMUNAL AND THRIFT SOCIETIES ON RURAL DEVELOPMENT: A STUDY OF BIAKWAN COMMUNITY, BOKI LOCAL GOVERNMENT AREA OF CROSS RIVER STATE, NIGERIA. European Scientific Journal, ESJ. 9, 35 (Dec. 2013). DOI:https://doi.org/10.19044/esj.2013.v9n35p%p.