Journal of Applied Sciences1812-56541812-5662Asian Network for Scientific Information10.3923/jas.2009.2067.2077AnggraeniLukytawati 112009911This study has investigated characteristics, participation and factors influencing probability of being credit constraint of two types of financial Self-Help Groups (SHG), ROSCA and ASCRA, in Indonesia. Both financial SHG can obtain more information that is only available inside a community to judge member creditworthiness. It is found that some households individual characteristics and economic condition influence households participation in ROSCA and ASCRA. In particular, being older, working as government employee and having higher education and steady income. Although, social sanction is a useful enforcement tools but it can cause internal credit constraint on socially active households. In ASCRA, households health condition and having wedding celebration are good predictors of whether the committee will judge the applicant to be creditworthy. However, there is tendency misuse committee members power by giving privileges to family and friends. It is also found that ROSCA reach poorer borrowers than ASCRA.]]>Adams, D.W. and D.A. Fitchett,1992Anderson, S., J.M. Balland and K.O. Moene,20082008Ardener, S.,196494201229Asmarantaka, R.W., S. Hartoyo, S. Sugiah, M. Mugniesyah and K. Mizuno,20032003pp: 289304Besley, T., C. Stephen and L. Glen,199383792810Besley, T. and L. Alec,19961063539Biggart, N.W.,20013129153Bouman, F.J.A,199523371384Charitonenko, S. and A. Iswan,2002Geertz, C.,196210241263Handa, S. and K. Claremont,199960173194Holloh, D.,19961996Hospes, O.,1996pp: 127-148pp: 127-148Inoue, M., T. Yuuki, S. Siti and M. Mugniesyah,2003895101Ismawan, B.,20002000Johnston, D. and M. Jonathan,200822517537Kawagoe, T., O. Kunio and B. Al-Sri,199230215235Martowijoyo, S.,20072007Mizuno, K.,199634114119Mugniesyah, S.S.M. and M. Kozuke,200714519544Pattern, R. and R. Jay,1991Sawada, Y., K. Kensuke, F. Nobuhiko, I. Seiro and K. Takashi,20064465499Seibel, H.P. and P. Uben,19921992Schreiner, M. and N. Geetha,199822399414Shigetomi, S.,20042004Soemardjan, S.,1963Tsujii, H.,20028120Van-den-Brink, R. and C. Jean-Paul,199745745772Varadhanarajan, S.,20042004Zeller, M.,19942218951907