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Reaching out: Access to and use of banking services across countries

, , and . Journal of Financial Economics, 85 (1): 234--266 (July 2007)

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Finance for all?, , and . A World Bank policy research report World Bank, Washington, DC, (2008)Business environment and the incorporation decision, , and . Journal of Banking & Finance, 30 (11): 2967--2993 (November 2006)Reaching out: Access to and use of banking services across countries, , and . Journal of Financial Economics, 85 (1): 234--266 (July 2007)Small and medium-size enterprises: Access to finance as a growth constraint, and . Journal of Banking & Finance, 30 (11): 2931--2943 (November 2006)