00442pab a2200145 454500008004000000100002200040245011700062260000900179300001400188362000800202650001200210700002300222700002600245773002500271180718b2010   xxu||||| |||| 00| 0 eng d  aTsukada, Kazunari  aMicrofinance penetration and its influence on credit choice in Indonesia: evidence from a household panel survey  c2010  ap.102-27.  aMar  aFinance  aTakahashi, Kazushi  aHigashikata, Takayuki  aDeveloping Economies