Arsyad, Lincolin. 2006. “ASSESSING FACTORS AFFECTING the REPAYMENT RATE OF MICROFINANCE INSTITUTIONS: A Case Study of Village Credit Institutions of Gianyar, Bali”. Gadjah Mada International Journal of Business 8 (2), 247 -73. https://jurnal.ugm.ac.id/v3/gamaijb/article/view/14878.