1. AgriBank, (2010). Report on Credit Repayment of Agricultural Bank During 2004-2008, Statistical Center of Agricultural Bank Management in East Azerbaijan Province. (In Farsi).
2. Arabmazar, A. & Rouyintan, P. (2006). Factors Affecting the Credit Risk of Bank Customers (A Case Study on Agricultural Bank), Journal of Economic Literature, 80:3-45. (In Farsi).
3. Bagheri, M. & Najafi, B. (2004). Factors Affecting Repayment of Agricultural Credits (A Case Study in Fars Province). Quarterly of Economic Research of Iran, 19:115-97. (In Farsi).
4. Ben-Akiva, M. E., & Lerman, S. R. (1985). Discrete Choice Analysis: Theory and Application to Travel Demand. MIT Press, Cambridge, MA.
5. Bernanke, B. S. & M. Gertler. (1995). Inside the Black Box: The Credit Channel of Monetary Policy Transmission, Journal of Economic Perspectives, 9(4): 27-48.
6. Brant, R. (1990). Assessing Proportionality in the Proportional Odds Model for Ordered Logistic Regression. Biometrics, 46, pp. 1171–1178.
7. Cochran, W.G. (1977). Sampling Techniques. Third edition, John Wiles & Sons.
8. Ewuola, S. O. & Williams, S. K. T. (1995). Effects of Institutional and Borrower Characteristics on Loan Recovery: A Study of Ondo State Agricultural Credit Corporation, Agro. Search. 1(2):109–116.
9. Ghalibafasl, H. (2010). Implementing Governance Guidelines and the Three Major Instructions for Bourse in Year 2010. Retrieved from: http://www.farsnews.com/printable.php?nn=8812030118. (In Farsi).
10. Greene, W. H. (2010). Econometric Analysis. Prentice Hall International Editions. New York University.
11. Habibi, S. (2002). An Investigation on Factors Affecting Duly Repayment of Agricultural Credits, Internal Report of Iranian Banking Institute. (In Farsi).
12. Hausman, J. A. & McFadden, D. (1984). Specification Tests for the Multinomial Logit Model. Econometrica, 52(5):1219-1240.
13. Irannejad, J. (1996). Investment and Credits in Agricultural Sector of Iran. Agricultural Economics and Planning Research Institute, Tehran. (In Farsi).
14. Jaberi, I. (1993). Crop Insurance and Bank Credit, Journal of Banking and Agriculture, 36:19-13. (In Farsi).
15. Koupahi, M. & Bakhshi, M. R. (2002). Factors Affecting the Performance of Agricultural Credit Repayment: the Application of Discrimination Analysis, the City of Birjand, Iranian Journal of Agricultural Sciences, 33: 19-11. (In Farsi)
16. Lekshemi, S., P. Rugminiand & T. Jesy. (1998). Characteristics of Defaulters in Agricultural Credit Use: A Micro Level Analysis with Reference to Kerela, Indian Journal of Agricultural Economics, 52(4): 640-647.
17. Liao, T. F. (1994). Interpreting Probability Models: Logit, Probit and other Generalized Linear Models. In: Sage University Paper Series on Quantitative Applications in the Social Sciences, Vol. 07-101. Thousand Oaks, CA, Sage, California.
18. Maddala, G. S. (1983). Limited Dependent and Qualitative Variables in Econometrics. Cambridge University Press, Cambridge, MA.
19. Matin, L. (1997). Repayment Performance of Grameen Bank Borrowers: the Unzipped State, Saving and Development, 22(4):451-473.
20. McFadden, D. (1974). Conditional Logit Analysis of Qualitative Choice Behaviour. Frontiers in Econometrics, Zarembka, P. (Ed.) New York: Academic Press, 105-142.
21. Oladeebo, J. O. & Oladeebo, O. E. (2008). Determinants of Loan Repayment among Smallholder Farmers in Ogbomoso Agricultural Zone of Oyo State, Nigerian Journal of Social Science, 17(1): 59-62.
22. Olagunju, F. I. & Adeyemo, R. (2007). Determinants of Repayment Decision among Smallholder Farmers in Southwestern Nigeria, Pakistan Journal of Social Sciences, 4(5): 677-686.
23. Pai, C. W. & Saleh, W. (2008). Modeling Motorcyclist Injury Severity by Various Crash Types at T-Junctions in the UK. Safety Science, 46:1234–1247.
24. Shaditalab, J. (1993). Problems of Agricultural Credit System in Iran (non-repayment), Proceedings of the Second Symposium on the Agricultural Economics of Iran, Shiraz University, pp. 237-261. (In Farsi).
25. Shahnoushi, N., Daneshvar, M., Firouzzare, A., Zhalerajabi, M. & Dehghanian, S. (2011). Application of Logit Model to Investigate the Factors Affecting Food Waste (A Case Study in Mashhad). Journal of Economic Research: 96, 110-89. (In Farsi)
26. Sharifi R. H., Ranjbar, H. & Fouladi, E. (2011). Factors Affecting Repayment of Agricultural Facilities: A Case Study of the Agricultural Bank of Isfahan Province. Agricultural Economics and Development: 74, 100-77. (In Farsi).
Wooldridge, J. M. (2010). Econometric Analysis of Cross Section and Panel Data. Second edition, Cambridge, MA: MIT Press.
)