Aristei D, Perali F, Pieroni L (2007). Cohort, Age and Time Effects in Alcohol Consumption by Italian Households: A Double-hurdle Approach. Empirical Economics 35(1):29-61.
Crossref

Bezabih E (2010). Market assessment and value chain analysis in Benishangul Gumuz Regional State, Ethiopia. SID-Consult-Support Integrated Development, Addis Ababa, Ethiopia.

Cragg J (1971). Some Statistical Models for Limited Dependent Variables with Application to the Demand for Durable Goods. Econometrica 39(5):829-844.
Crossref

Ebisa D, Getachew N, Fikadu M (2013). Filling the breach: Microfinance. Journal of Business and Economic Management 1(1):010-017.

Flood L, Grasjo U (2001). A Monte Carlo Simulation Study of Tobit Models. Applied Economics Letters 8:581-584.
Crossref

Fuentes A (1996). The use of village agents in rural credit delivery. The Journal of Development Studies 33(2):5-22.
Crossref

Heckman J (1979). Sample Selection Bias as a Specification Error. Econometrica 47(1):153-161.
Crossref

Holloway G, Nicholson C, Delgado C (1999). Agro industrialization through Institutional Innovation: Transactions Costs, Cooperatives and Milk-Market Development in the Ethiopian Highlands. Mss. Discussion Paper No. 35.

Hussien H (2007). Farm Household Economic Behavior in Imperfect Financial Markets, Doctoral Thesis, Swedish University of Agricultural Sciences, Uppsala.

International Livestock Research Institute (ILRI) (2011). Apiculture value chain development, Ethiopia.

Jones A (1989). A Double-Hurdle Model of Cigarette Consumption. Journal of Applied Econometrics 4:23-39.
Crossref

Martinez-Espineira R (2006). A Box-Cox Double-Hurdle Model of Wildlife Valuation: The Citizen's Perspective. Ecological Economics 58(1):192-208.
Crossref

Mengistu K, Mengistu U, Nigussie D, Endrias G, Mohammadamin H. Temesgen K,Yemisrach G(eds.) (2013). Proceedings of the National Conference on 'Loan and Saving: the Role in Ethiopian Socioeconomic Development', Haramaya, Ethiopia.

McDowell A (2003). From the help desk: hurdle models. The Stata Journal 3(2):178-184.
Crossref

Moffatt P (2005). Hurdle Models of Loan Default. Journal of the Operational Research Society 56:1063-1071.
Crossref

Muhongayire W, Hitayezu P, Lee Mbatia O, Mukoya-Wangia SM (2013) Determinants of Farmers' Participation in Formal Credit Markets in Rural Rwanda Determinants of Farmers' Participation in Formal Credit Markets in Rural Rwanda. Journal of Agricultural Science 4(2):87-94.
Crossref

Musebe R, Oluoch W, Kosura Wangia C (1993). An Analysis of Agricultural Credit Market In Vihiga Division of Kakamega District, Kenya. East Africa Agriculture and Forestry Journal 58(3):4.
Crossref

National Bank of Ethiopia (NBE) (2008/09-2010/2011). Annual Reports. Addis Ababa, Ethiopia.

Okurut N, Schoombee A, Van der Berg S (2004). Credit demand and credit rationing in the informal financial sector in Uganda. Paper to the DPRU/Tips/Cornell conference on African Development and Poverty reduction: the Macro-Micro linkage.

Shrestha R, Alavalapati J, Seidl A, Weber K, Suselo T (2006). Estimating the Local Cost of Protecting Koshi Tappu Wildlife Reserve, Nepal: A Contingent Valuation Approach. Environment, Development and Sustainability 9(4):413-426.
Crossref

Sisay Y (2008). Determinants of Smallholder Farmers Access to Formal Credit: The Case of Metema Woreda, North Gondar, Ethiopia. MSc Thesis, Unpublished. Haramaya University.

Woreda Agricultural and Rural Development office (WARDO) (2013). Annual report of Woreda agricultural office.

Wooldridge M (2002). Econometric Analysis of Cross Section and Panel Data. MIT Press. London, England pp. 551-573.

Yamane T (1967). Statistics, An Introductory Analysis, 2nd Ed., New York.

Zelalem G, Hassen B, Jemma H (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 1(11):431-446.