@incollection{,
	
					
					
					1342632B43F23A3D9613580AB1EAEDB9
				,
	author={{Yilkal WassieAyen} and {Jimma University}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}15103138
}

@book{b0,
	
	
		,
	title={{Microfinance and loan repayment performance: A case study of the oromia credit and savings share company (OCSSCO) in kuyu}}
		,
	author={{
			JAbafita
		}}
		
			,
	year={2003}
			,
	address={Ethiopia}
		
		
			Addis Ababa University MSc thesis
		
	

}

@book{b1,
	
	
		,
	title={{Loan repayment and its Determinants in Small-Scale Enterprises Financing in Ethiopia: Case of private borrowers Around Zeway Area}}
		,
	author={{
			GAbreham
		}}
		
			,
	year={2002}
			,
	publisher={AAU}
		
	
	,
	note={M. Sc. Thesis}

}

@incollection{b2,
	
	
		,
	title={{Credit rationing and loan repayment performance; the case study of Victorian saving and credit cooperative society}}
		,
	author={{
			.GAbsanto
		} and {
			DAikaruwa
		}}
		
	
	
		,
	journal={{Global Advanced Research Journal of Management and Business studies}}
		
			2
			6
			,
	year={2013}
		
	

}

@incollection{b3,
	
	
		,
	title={{Qualitative Response Model: A Survey}}
		,
	author={{
			TAmemiya
		}}
	
	
		,
	journal={{Journal of Economic Literature}}
		
			19
			
			,
	year={1981}
		
	

}

@book{b4,
	
	
		,
	title={{Factors influencing loan repayment of rural women in Eastern Ethiopia: the case of Dire Dawa Area', A Thesis presented to the school of graduate studies}}
		,
	author={{
			BAAssefa
		}}
		
			,
	year={2002}
			,
	address={AlemayaUniveristy, Ethiopia}
		
	

}

@book{b5,
	
	
		,
	title={{Factors Influencing Loan Repayment of rural women In Eastern Ethiopia; The case of Dire Dawa area}}
		,
	author={{
			ABelay
		}}
		
			,
	year={2002}
		
		
			Alemaya University
		
	
	,
	note={MSc Thesis}

}

@book{b6,
	
	
		,
	title={{Determinants of formal source of credit loan repayment performance of smallholder farmers: the case of north western Ethiopia}}
		,
	author={{
			ABerhanu
		}}
		
			,
	year={2005}
			,
	address={North Gondar; Ethiopia}
		
		
			Alemaya Univeristy
		
	
	,
	note={M.Sc. Thesis}

}

@book{b7,
	
	
		,
	title={{Microfinance: broader achievements and new challenges. Economics and Sociology Occasional Paper No. 2518}}
		,
	author={{
			CGonzalez-Vega
		}}
		
			,
	year={1998}
		
		
			The Ohio State University
		
	

}

@book{b8,
	
	
		,
	title={{Basic Econometrics. Third Edition}}
		,
	author={{
			DamodarNGujarati
		}}
		
			,
	year={1995}
			,
	publisher={McGraw-Hill Book Company}
			,
	address={New York}
		
	

}

@book{b9,
	
	
		,
	title={{Assessing the effectiveness of group lending and its impact on profitability in case Jimma Zone}}
		,
	author={{
			EGutu
		}}
		,
	editor={Ethiopia 11. Hosmer, D.W. and Lemeshew, S.}
		
			,
	year={2014. 1989}
			,
	publisher={Applied Logistic Regression. A Wiley-Inter-science Publication}
			,
	address={New York}
		
		
			Unpublished paper Jimma University
		
	

}

@incollection{b10,
	
	
		,
	title={{Agency, well-being and Inequality: Reflections on the Gender Dimensions of Poverty}}
		,
	author={{
			NKabeer
		}}
	
	
		,
	journal={{IDS Bulletin}}
		
			27
			1
			
			,
	year={1996}
		
	

}

@book{b11,
	
	
		,
	title={{Limited Dependent and Qualitative Variables in Econometrics}}
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	author={{
			GSMaddala
		}}
		
			,
	year={1983}
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	publisher={Cambridge University Press}
			,
	address={New York}
		
	

}

@incollection{b12,
	
	
		,
	title={{Determinants of Repayment performance in microcredit programs: A review Literature}}
		,
	author={{
			.NNawai
		} and {
			MMohdshariff
		}}
		
	
	
		,
	journal={{International Journal of Business and Social Science}}
		
			1
			2
			,
	year={2010}
		
	

}

@book{b13,
	
	
		,
	title={{Adaptive Welfarism: A Paradigm of Policy Driven Development}}
		,
	author={{
			CUNwajiuba
		}}
		
			,
	year={1999}
			,
	publisher={Owerri Jockel Options Business Bureau}
		
	

}

@book{b14,
	
	
		,
	title={{Th e Role of Informal Finance in Rural Areas of Nigeria}}
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	author={{
			NINweze
		}}
		,
	editor={Eboh E.C. et al}
		
			,
	year={1995}
		
	

}

@book{b15,
	
	
		,
	title={{Rural Development in Nigeria: Concepts Process and Prospect}}
		
			,
	publisher={Enugu Auto Century Publication Co}
			
		
	

}

@book{b16,
	
	
		,
	title={{Econometric Models and Economic Forecasts}}
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	author={{
			SPindyck
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			LRubinfeld
		}}
		
		
			,
	year={1981}
			,
	publisher={McGraw-Hill Book Company}
			,
	address={New York}
		
	
	,
	note={Second Edition}

}

@book{b17,
	
	
		,
	title={{Determinants of loan repayment performance: A case study in the Addis credit and saving Institution}}
		,
	author={{
			FKReta
		}}
		
			,
	year={2011}
			,
	address={Addis Ababa, Ethiopia. Wageningen University}
		
	

}

@book{b18,
	
	
		,
	title={{The Microfinance Revolution: An Overview}}
		,
	author={{
			RSengupta
		} and {
			CPAubuchon
		}}
		
		
			,
	year={2008. January/February 2008}
			90
			
		
		
			Federal Reserve Bank of St. Louis Review
		
	

}

@book{b19,
	
	
		,
	title={{A Guide to modern Econometrics}}
		,
	author={{
			MVerbeek
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			,
	year={2008}
			,
	publisher={John Wiley and Sons}
			,
	address={Ltd; Rotterdam}
		
		
			RSM Erasmus University
		
	
	,
	note={3rd edition}

}