@incollection{,
	
					
					
					1F4FEE5DC69B4728BCE8852F545DBB4F
				,
	author={{Tesfahun TegegnSorsa} and {MeseleKebede} and {TadeleTafese} and {Wolaita Sodo University}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}1676573
}

@book{b0,
	
	
		,
	title={{Loan Delinquency in Multi-Purpose Cooperative Union in Kawara State, Nigeria, savings and development}}
		,
	author={{
			RemiAdeyemo
		}}
		
			,
	year={2004}
			VII
			
		
	

}

@incollection{b1,
	
	
		,
	title={{Analysis of the Determinants of the Nigerian Banking System's Profits and Profitability Performance ², Savings and Development}}
	
	
		,
	journal={{Agu Cletus C}}
		
			XVI
			4
			
			,
	year={2002. 2002}
		
	

}

@incollection{b2,
	
	
		,
	title={{An Analysis of Default Factors in Residential Mortgages of the Federal Mortgage Bank of Nigeria²}}
		,
	author={{
			CAAjayi
		}}
	
	
		,
	journal={{African Review of Money, Finance and Banking}}
		
			2
			
			,
	year={2002}
		
	

}

@incollection{b3,
	
	
		,
	title={{The Structure and Performance of Ethiopia's Financial Sector in the Pre and Post Reform Period: With Special Focus on Banking}}
		,
	author={{
			AlemayehuGeda
		}}
	
	
		,
	booktitle={{The Ethiopian Economy: Performance and Evaluation: Proceedings of the Eighth Annual Conference on the Ethiopian Economy}}
				,
	editor={
			AlemayehuGeda
			BirhanuNega
		}
		
			,
	year={2009}
			
		
	

}

@incollection{b4,
	
	
		,
	title={{Small Scale Enterprise and Entrepreneurship Development in Ethiopia Concepts, definitions and Major Issues}}
		,
	author={{
			AndualemTegegne
		}}
	
	
		,
	booktitle={{Proceedings of the Sixth Annual Conference on the Ethiopian Economy}}
				,
	editor={
			GHWolday Amha
			AndualemChipande
			Tegegne
		}
		the Sixth Annual Conference on the Ethiopian Economy
		
			,
	year={2007}
		
	

}

@incollection{b5,
	
	
		,
	title={{Loan Repayment and Technical Assistance among Small Holder Maize Farmers in Nigeria}}
		,
	author={{
			CArene
		}}
	
	
		,
	journal={{African Review of Money, Finance and Banking}}
		
			1
			
			,
	year={2002}
		
	

}

@book{b6,
	
	
		,
	title={{Study of the Factors that Affect the Use of Agricultural Credit among Peasant farmers in Ethiopia: the Case of Two Districts}}
		,
	author={{
			AssefaAdmassie
		}}
		
			,
	year={2007}
		
	
	,
	note={Master's Thesis}

}

@book{b7,
	
	
		,
	title={{Development Finance for Small and Medium Industries, International Workshop on transfer of Technology for Small Scale and Medium Industries}}
		,
	author={{
			AsratTefera
		}}
		
			,
	year={2009}
		
	

}

@incollection{b8,
	
	
		,
	title={{Default Management in Agricultural Lending Program in Ivory Coast}}
		,
	author={{
			BakerChester
		} and {
			B
		} and {
			DiaBernadette
		}}
		
		
	
	
		,
	journal={{Savings and Development}}
		
			XI
			2
			
			,
	year={2007}
		
	

}

@book{b9,
	
	
		,
	title={{Birhanu Lakew 2009) Micro Enterprise Credit and Poverty Alleviation in Ethiopia: The Case of the Project Office for the Creation of Small Scale Business Opportunities (POCSSBO) in Addis Ababa}}
		
			,
	year={2009}
		
	
	,
	note={Master's Thesis}

}

@book{b10,
	
	
		,
	title={{The Financing of Small and Medium Enterprises in Uganda}}
		,
	author={{
			BosaGeorge
		} and {
			R
		}}
		
		
			,
	year={2009}
			,
	publisher={Oxford University Press}
		
	

}

@book{b11,
	
	
		,
	title={{Microfinance and loan repayment performance: A Case Study of the Oromia credit and Savings Share Company (OCSSCO) in Kuyu', MSc thesis}}
		,
	author={{
			JAbafita
		}}
		
			,
	year={2003}
			,
	address={Addis Ababa}
		
		
			Addis Ababa University
		
	

}

@book{b12,
	
	
		,
	title={{Loan repayment and its Determinants in Small-Scale Enterprises Financing in Ethiopia: Case of private borrowers Around Zeway Area}}
		,
	author={{
			AbrehamGebeyehu
		}}
		
			,
	year={2002}
			,
	publisher={AAU}
		
	
	,
	note={M. Sc. Thesis}

}

@incollection{b13,
	
	
		,
	title={{Micro-finance Repayment Problems in the Informal Sector in Addis Ababa}}
		,
	author={{
			MAddisu
		}}
	
	
		,
	journal={{Ethiopian Journal of Business & Development}}
		
			1
			2
			,
	year={2006. August 2006}
		
	

}

@book{b14,
	
	
		,
	title={{Rural Finance in Ethiopia; Assessement of the financial products of microfinance institution', association of Ethiopian Microfinance Institutions}}
		,
	author={{
			AAdmassie
		} and {
			GAgeba
		} and {
			MDemeke
		}}
		
		
		
			,
	year={2005}
		
	
	,
	note={occasional paper No. 12}

}

@book{b15,
	
	
		,
	title={{Review of Microfinance Industry in Ethiopia: Regulatory framework and performance}}
		,
	author={{
			WAmha
		}}
		
			,
	year={2000}
			,
	address={Addis Ababa, Ethiopia}
		
	
	,
	note={Association of Ethiopian Microfinance Institution (AEMI)}

}

@book{b16,
	
	
		,
	title={{The Economics of Microfinance}}
		,
	author={{
			AArmendariz
		} and {
			JMorduch
		}}
		
		
			,
	year={2010}
			,
	publisher={MIT Press}
			,
	address={Cambridge, Massachusetts London, England}
		
	
	,
	note={2nd ed. The}

}

@book{b17,
	
	
		,
	title={{Finance for the poor: Microfinance development Strategy', Rural Asia study: beyond the Green revolution}}
		,
	author={{
			AsianDevelopment Bank
		}}
		
			,
	year={2000}
			,
	address={Manila}
		
	

}

@book{b18,
	
	
		,
	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={Ethiopia}
		
		
			Alemaya Univeristy
		
	

}

@incollection{b19,
	
	
		,
	title={{Promoting micro capitalism in service of the poor: the Grameen model and its cross-cultural adaptation}}
		,
	author={{
			MAAuwal
		}}
	
	
		,
	journal={{Journal of Business Communication}}
		
			33
			
			,
	year={1996}
		
	

}

@book{b20,
	
	
		,
	title={{Securitization and the Challenges Faced in Micro Finance', Centre for Micro Finance Research Working Paper Series}}
		,
	author={{
			SBasu
		}}
		
			,
	year={2005}
		
		
			Institute for Financial Mangement and Research (IFMR
		
	

}

@book{b21,
	
	
		,
	title={{The Roles of Donors and NGOs: Microfinance in Africa Experience and Lessons from Selected African Countries}}
		,
	author={{
			ABasu
		} and {
			RBlavy
		} and {
			MYulek
		}}
		
		
		
			,
	year={2004}
		
	
	,
	note={IMF Working Paper}

}