[Abreham G. (2002), Loan repayment and its Determinants in Small-Scale Enterprises Financing in Ethiopia: Case of private borrowers Around Zeway Area, M. Sc. Thesis, Addis Ababa University.]Search in Google Scholar
[Adongo, J., Stork, C (2006) Factors Influencing the Financial Sustainability of Selected Microfinance Institutions in Namibia. The Namibian Economic Policy Research Unit (NEPRU). Research Report No. 39.]Search in Google Scholar
[Ayayi, A.G., Sene, M. (2010), What drives microfinance institution’s financial sustainability, The Journal of Developing Areas, Vol. 44 No. 1, pp. 303-324.]Search in Google Scholar
[Barboni, G. (2012); Who does the grace-period really grace? Repayment flexibility in microfinance contracts! JEL]Search in Google Scholar
[Berhanu A. (2005) Determinants of formal source of credit loan repayment performance of smallholder farmers: the case of north western Ethiopia, North Gondar, M.Sc. Thesis, Alemaya Univeristy, Ethiopia.]Search in Google Scholar
[BOT, (2010), Risk Management Guidelines for Banks and Financial Institutions, Directorate of Banking Supervision, Bank of Tanzania, Dar es Salaam]Search in Google Scholar
[Brown, K., Moles, P (2011) Credit Risk Management, Edinburgh Business School Heriot-Watt University, Edinburgh]Search in Google Scholar
[Colquitt, J (2007), CREDIT RISK MANAGEMENT Third Edition; How to Avoid Lending Disasters and Maximize Earnings, McGraw-Hill, New York]Search in Google Scholar
[Cull. R., Asli Demirguç-Kunt, Morduch. J. (2007). Financial Performance and Outreach: AGlobal Analysis of Leading Microbanks. The Economic Journal, 117, F107-F133.10.1111/j.1468-0297.2007.02017.x]Search in Google Scholar
[Crabb, P.R., Keller, T. (2006). A Test of Portfolio Risk in Microfinance Institutions, Faith and Economics, pp 25-29]Search in Google Scholar
[Edwards, B (2004), Credit Management Handbook, Fifth Edition, Gower Publishing Limited Gower House Croft Road Aldershot Hants GU11 3HR England.]Search in Google Scholar
[Emran, M. S., at el., (2006) Microfinance and Missing Markets, Working paper, Department of Economics, Columbia University, New York.]Search in Google Scholar
[Feroze, S.M, Chauhan, A.K., Malhotra, R. & Kadian, K.S, (2011), Factors Influencing Group Repayment Performance in Haryana: Application of Tobit Model, Agricultural Economics Research Review Vol. 24, pp 57-65]Search in Google Scholar
[Field, E. at el., (2011) Debt Structure, Entrepreneurship and Risk: Evidence from Microfinance, working paper,]Search in Google Scholar
[Folefack, A.J., Teguia, J.S. (2016), Factors Influencing Loan Repayment by Credit Beneficiaries of Microfinance Institutions in The Far North Region, Cameroon, RJOAS, Vol. 3 No. 5110.18551/rjoas.2016-03.04]Open DOISearch in Google Scholar
[Godquin, M., (2004) Microfinance repayment performance in Bangladesh: How to improve the allocation of loans by MFIs. World Development 32, 1909–1926.10.1016/j.worlddev.2004.05.011]Open DOISearch in Google Scholar
[Hair, J. F. 2010. Multivariate data analysis: a global perspective, Upper Saddle River, N.J., Pearson.]Search in Google Scholar
[Hooman (2009), Factors affecting loan repayment performance of farmers in Khorasan-Razavi province of Iran; University of Humberg, Iran]Search in Google Scholar
[Kar, A., Swain, R.B. (2014), Interest Rates and Financial Performance of Microfinance Institutions: Recent, European Journal of Development Research, Global Evidence,10.1057/ejdr.2013.33]Search in Google Scholar
[Ledgerwood, J. (1999) Microfinance Handbook: An Institutional and Financial Perspective. The World Bank: Washington, D.C.10.1596/978-0-8213-4306-7]Search in Google Scholar
[Ledgerwood, J, at el., (2013) The New Microfinance Handbook; A Financial Market System Perspective; World Bank, Washington DC.10.1596/978-0-8213-8927-0]Search in Google Scholar
[Mix Microfinance World; (2010), Sub-Saharan Africa Microfinance Analysis and Bench marking Report. A report from Microfinance Information Exchange (Mix) and Consultative Group to Assist the poor (CGAP).]Search in Google Scholar
[Mckernan, M. (2002). The impact of microcredit programs on self-employment profits: do non-credit program aspects matter? The Review of Economics and Statistics.10.1162/003465302317331946]Open DOISearch in Google Scholar
[Mwangi, N (2016); The Effect of Interest Rates on Microfinance Institutions’ Products in Kenya; A Case Study of Kenya Women’s Finance Trust in Nairobi County, Chandaria School of Business; United States International University – Africa]Search in Google Scholar
[Nyamsogoro, G.D (2010), Financial Sustainability of Rural Microfinance Institutions (MFIs) in Tanzania; A thesis submitted in partial fulfilment of the requirements of the University of Greenwich for the Degree of Doctor of Philosophy]Search in Google Scholar
[Ngahu S.T., Wagoki A.J. (2014). Effect of Group Lending on Management of Loan Default Rates among Microfinance Institutions in Nakuru Town, Kenya, International Journal of science and Research (IJSR)]Search in Google Scholar
[Onyeagocha, S. U. O., Chidebelu, S. A. N. D., Okorji, E. C., Ukoha, A., Osuji, M. N., Korie O. C. (2012) Determinants of Loan Repayment of Microfinance Institutions in Southeast States of Nigeria, International Journal of Social Science and Humanities, Vol.1 No.1]Search in Google Scholar
[Pande, P.R at el., (2010) Impact of a grace period in microfinance loan contracts, Centre for Micro Finance; Egmore, Chennai, India]Search in Google Scholar
[Papias M. M., Ganesan P. (2009) Repayment behavior in credit and savings cooperative societies Empirical and theoretical evidence from rural Rwanda. International Journal of Social Economics, Vol. 36 (5), pp 608-625.10.1108/03068290910954059]Open DOISearch in Google Scholar
[Palladini, Golgberg, (2010) Managing risk and creating value with microfinance, the World Bank, Washington, D.C10.1596/978-0-8213-8228-8]Search in Google Scholar
[Pischke, J.D. (1991), Finance at the Frontier: Debt Capacity and The Role of Credit in the Private Economy, EDI Development Studies, The World Bank, Washington D.C.]Search in Google Scholar
[Roslan, H.A., MohdZaini, A (2009), Determinants of Microcredit Repayment in Malaysia: The Case of Agrobank; Humanity & Social Sciences Journal 4 (1), pp 45 - 52]Search in Google Scholar
[Shariff, M.M (2013), Determinants of repayment performance in microfinance programs in Malaysia, Volume 11,]Search in Google Scholar
[Shu-Teng, L., Zariyawati, M.A., Suraya-Hanim, M., Annuar, M.N (2015) Determinants of Microfinance Repayment Performance: Evidence from Small Medium Enterprises in Malaysia, International Journal of Economics and Finance; Vol. 7, No. 11]Search in Google Scholar
[Schmittlen, M. (2010), Micro credit and the poorest of the poor, theory and evidence from Bolivia, Journal of microfinance Vol 2 No 1 pp 12.]Search in Google Scholar
[Swain, R.B., Varghese, A, (2013) Delivery Mechanisms and impact of microfinance training in Indian self-help group, Journal of International Development]Search in Google Scholar
[Tanzania Association of Microfinance Institutions (TAMFI), (2014) Members Directory, Uporoto Street, Dar Es Salaam. Tanzania.]Search in Google Scholar
[Tundui, C and Tundui, H, (2013), Microcredit, Micro Enterprising and Repayment Myth: The Case of Micro and Small Women Business Entrepreneurs in Tanzania, American Journal of Business and Management Vol. 2, No. 110.11634/216796061302240]Search in Google Scholar
[Warue, B.N., (2012) Factors affecting loan delinquency in Microfinance in Kenya. International Journal of Management Sciences and Business Research. Vol.1 Issue 12.]Search in Google Scholar
[Wenner, M., et al. (2007) Managing Credit Risk in Rural Financial Institutions in Latin America; Inter- American Development Bank.]Search in Google Scholar
[Zohair, M. (2013). Factors Affecting Repayment of Loans by Micro-borrowers in Tunisia: An Empirical Study.]Search in Google Scholar
