• Bank Indonesia. Various issues. Indonesian Financial Statistics. Jakarta: Bank Indonesia.
  • Bank Indonesia. Various issues. Statistik bank perkreditan rakyat [People's credit bank statistics]. Jakarta: Bank Indonesia.
  • Charitonenko, Stephanie, and Ismah Afwan. 2003. Commercialization of Microfinance: Indonesia. Manila: Asian Development Bank.
  • Demirgüç-Kunt, Ash, and Harry Huizinga. 1999. “Determinants of Commercial Bank Interest Margins and Profitability: Some International Evidence. World Bank Economic Review 13, no. 2: 379408.
  • Greenlees, Donald. Village Banks Offer Hope in Asia Mainstream Institutions Take an Interest in Microfinancing. International Herald Tribune, June 23, 2005.
  • Hamada, Miki. 2008. “Maikurofainansu: Hinkon sakugen eno kin'yū chūkai”[Microfinance: Financial intermediary to poverty]. In Hinkon sakugen senryaku [Strategic policy for poverty reduction], ed. TatsufumiYamagata. Tokyo: Iwanami Shoten.
  • Holloh, Detlev. 2001. “Microfinance Institution Study.” Jakarta: Promotion of Small Financial Institutions; Bank Indonesia; and German Agency for Technical Cooperation, Ministry of Finance, Indonesia.
  • Ledgerwood, Joanna, and Victoria White. 2006. Transforming Microfinance Institutions: Providing Full Financial Services to the Poor. Washington, D.C.: World Bank.
  • Littlefield, Elizabeth. 2008. “Microfinance and the Financial Crisis” Crisis Talk. World Bank. (accessed August 10, 2009).
  • Molyneux, Philip, and John Thornton. 1992. “Determinants of European Bank Profitability: A Note. Journal of Banking and Finance 16, no. 6: 117378.
  • Promotion of Small Financial Institutions (ProFI). 2003. “Improving Access to Financial Service for Low-Income Rural Households and Microenterprises in Indonesia.” Jakarta: ProFI.
  • Promotion of Small Financial Institutions (ProFI). 2005. “Indonesia–Background Paper on Microfinance Policy and Strategy.” Jakarta: ProFI. (accessed August 10, 2009).
  • Takahashi, Kazushi; Takayuki Higashikata; and Kazunari Tsukada. 2010. “The Short-Term Poverty Impact of Small-Scale, Collateral-Free Microcredit in Indonesia: A Matching Estimator Approach. Developing Economies 48, no. 1: 12855.
  • Tsukada, Kazunari; Takayuki Higashikata; and Kazushi Takahashi. 2010. “Microfinance Penetration and Its Influence on Credit Choice in Indonesia: Evidence from a Household Panel Survey. Developing Economies 48, no. 1: 10227.
  • Robinson, Marguerite S. 2002. The Microfinance Revolution. Vol. 2, Lessons from Indonesia. Washington, D.C.: World Bank.
  • Sunarto, Hari. 2007. “Understanding the Role of Bank Relationships, Relationship Marketing, and Organization Learning in the Performance of People's Credit Bank.” Ph.D. diss., Tinbergen Institute.
  • Zeller, Manfred, and Richard L. Meyer, eds. 2002. The Triangle of Microfinance: Financial Sustainability, Outreach and Impact. Baltimore, Md.: Johns Hopkins University Press.