Arsyad, L. “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, Vol. 8, no. 2, May 2006, pp. 247 -273, https://jurnal.ugm.ac.id/v3/gamaijb/article/view/14878.