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115 Fernando NA. 2006. Understanding and Dealing with High Interest Rates on Microfinance.13. ADB Fletscher D. 2008. Rural Women‟s Access to Credit; Market Imperfections and Intrahousehold Dynamics. World Development, Vol. 37, No. 3. Pp 618-631 Gebeyehu Z, Beshire H, and Haji J. 2013. Determinants of Loan Repayment Performance of Smallholder Farmers: The Case of Kalu District, South Wollo Zone, Amhara National Regional State, Ethiopia. International Journal of Economics, Business and Finance Vol. 1, No. 11, December 2013, PP: 431- 446, ISSN: 2327-8188 Online Available online at http:ijebf.com Gemari. 2008. UMKM Jadi Primadona Entaskan Kemiskinan. Edisi 90 Tahun IX Juli 2008. Ghalib A, et al. 2011. The Impact of Microfinance and its Role in easing Poverty of Rural Households: Estimations from Pakistan. RIEB. Kobe University Ghosh P, Mookherjee D, Ray D. 1999. Credit Rrationing in Developing Countries: An overview of the theory. https:www.nyu.edueconuserdebrajPapersGmr.pdf Goetz AM, and Gupta R. 1995. Who Takes the Credit? Gender, Power and Control Over Loan Use in Rural Credit Programmers in Bangladesh. World Development. Vol. 24 Godquin, M. 2004. Micro Finance Repayment Performance in Bangladesh: How to Improve the Allocation of Loan by MFIs. World Development, Vol. 32, No. 11, pp. 1909-1926 Gordo, G.M. 2013. Timating Philippine bank efficiencies using frontier analysis. Philippine management Review, Vol. 20, 17-36 Grimm M, Kruger J, Lay J. 2011. Barriers to Entry and Returns to Capital in Informal Activities: Evidence for sub-Saharan African. The Review of Income and Wealth. The World Bank Hartono R. 2013. Model Kelembagaan Kredit Usaha Pertanian Perdesaan. Tidak dipublikasikan. Program Pasca Sarjana IPB. Bogor Hastuti dkk. 2002. Pendanaan Usahatani Padi Pasca KUT, Kredit Ketahanan Pangan KKP. Laporan SMERU Heckman J, et al. 1998. Matching As An Econometric Evaluation Estimator. Review of Economic Studies 65. 261-294. Heidari MD, Omid M, Akram A. 2011. Using Nonparametric Analysis DEA for Measuring Technical Efficiency in poultry Farms. Rev. Bras. Cienc. Avic. Campinas Vol 13. No 4. http:dx.doi.org10.1590S1516- 635X2011000400009 Helsen F, Chmelar A. 2014. Collateral and Credit Rationing. ECRI Policy Brief No. 7, Feb 2014 Hermes N, Lensink R, and Meesters A. 20011. Outreach and efficiency of microfinance institution. World development, 39 6, 938-948 Hoque R, and Rayhan I. 2013. Efficiency measurement on banking sector in Bangladesh. Dhaka Univ. J. Sci. 611: 1-5, 2013 january. Hossain MK. 2012. Measuring the impact of BRAC microfinance operation: a case study of a village. J. Int. Bus. Res. 54

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