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Exploiting Naivete about Self-Control in the Credit Market. (2010). Koszegi, Botond ; Heidhues, Paul.
In: American Economic Review.
RePEc:aea:aecrev:v:100:y:2010:i:5:p:2279-2303.

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  89. Banker My Neighbour: Matching and Financial Intermediation in Savings Groups. (2018). Fafchamps, Marcel ; Cassidy, Rachel.
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  13. Dubey, Pradeep, and John Geanakoplos. 2002. “Competitive Pooling: Rothschild-Stiglitz Reconsidered.” Quarterly Journal of Economics, 117(4): 1529–70.

  14. Durkin, Thomas A. 2000. “Credit Cards: Use and Consumer Attitudes, 1970–2000.” Federal Reserve Bulletin, 86(9): 623–34.

  15. Gabaix, Xavier, and David Laibson. 2006. “Shrouded Attributes, Consumer Myopia, and Information Suppression in Competitive Markets.” Quarterly Journal of Economics, 121(2): 505–40.

  16. Gottlieb, Daniel. 2008. “Competition over Time-Inconsistent Consumers.” Journal of Public Economic Theory, 10(4): 673–84.

  17. Grubb, Michael D. 2007. “Selling to Overconfident Consumers.” Social Science Research Network Working Paper 721701.

  18. Gruber, Jonathan, and Botond K​ ˝ o​ szegi. 2004. “Tax Incidence when Individuals are Time-Inconsistent: The Case of Cigarette Excise Taxes.” Journal of Public Economics, 88(9–10): 1959–87.

  19. Hafalir, Elif Incekara. 2008. “Credit Card Competition and Naïve Hyperbolic Consumers.” http://www. andrew.cmu.edu/user/incekara/Paper2009.pdf.

  20. Hayhoe, Celia Ray, Lauren J. Leach, Pamela R. Turner, Marilyn J. Bruin, and Francis C. Lawrence. 2000. “Differences in Spending Habits and Credit Use of College Students.” Journal of Consumer Affairs, 34(1): 113–33.
    Paper not yet in RePEc: Add citation now
  21. Hill, Ronald Paul, and John C. Kozup. 2007. “Consumer Experiences with Predatory Lending Practices.” Journal of Consumer Affairs, 41(1): 29–46.
    Paper not yet in RePEc: Add citation now
  22. Laffont, Jean-Jacques, and David Martimort. 2002. The Theory of Incentives: The Principal-Agent Model. Princeton, NJ: Princeton University Press.
    Paper not yet in RePEc: Add citation now
  23. Laibson, David, and Leeat Yariv. 2007. “Safety in Markets: An Impossibility Theorem for Dutch Books.” http://www.hss.caltech.edu/~lyariv/Papers/DutchBooks.pdf.
    Paper not yet in RePEc: Add citation now
  24. Laibson, David, Andrea Repetto, and Jeremy Tobacman. 2007. “Estimating Discount Functions with Consumption Choices over the Lifecycle.” National Bureau of Economic Research Working Paper 13314.

  25. Laibson, David. 1997. “Golden Eggs and Hyperbolic Discounting.” Quarterly Journal of Economics, 112(2): 443–77.

  26. Mirrlees, James A. 1999. “The Theory of Moral Hazard and Unobservable Behaviour: Part I.” Review of Economic Studies, 66(1): 3–21.

  27. O’Donoghue, Ted, and Matthew Rabin. 2006. “Optimal Sin Taxes.” Journal of Public Economics, 90(10– 11): 1825–49.

  28. Renuart, Elizabeth. 2004. “An Overview of the Predatory Mortgage Lending Process.” Housing Policy Debate, 15(3): 467–502.

  29. Rothschild, Michael, and Joseph E. Stiglitz. 1976. “Equilibrium in Competitive Insurance Markets: An Essay on the Economics of Imperfect Information.” Quarterly Journal of Economics, 90(4): 630–49.
    Paper not yet in RePEc: Add citation now
  30. Shui, Haiyan, and Lawrence M. Ausubel. 2004. “Time Inconsistency in the Credit Card Market.” In 14th Annual Utah Winter Finance Conference, ed. Avner Kalay, and Jim S. Schallheim.
    Paper not yet in RePEc: Add citation now
  31. Skiba, Paige Marta, and Jeremy Tobacman. 2007. “Payday Loans, Uncertainty, and Discounting: Explaining Patterns of Borrowing, Repayment, and Default.” http://bpp.wharton.upenn.edu/speaker%20files/ Tobacman.Jeremy.3309.jobmarketpaper.pdf.
    Paper not yet in RePEc: Add citation now
  32. The only paper we know that systematically studies whether individuals will learn their taste for immediate gratication is S. Nageeb Ali (2009). In the model, a decisionmaker who is too optimistic about her self-control does not restrict her choices, and hence keeps learning about her self-control from her own behavior. As a result, overoptimism about selfcontrol tends to be eliminated by learning. Given the evidence that many people are overoptimistic, we view Ali’s (2009) theory as deepening the puzzle of how learning affects the behavior of time-inconsistent individuals.
    Paper not yet in RePEc: Add citation now
  33. VOL. 100 NO. 5 2303 Heidhues and K​  O​ szegi: Exploiting NaÏvete in the Credit Market O’Donoghue, Ted, and Matthew Rabin. 2001. “Choice and Procrastination.” Quarterly Journal of Economics, 116(1): 121–60.
    Paper not yet in RePEc: Add citation now
  34. Warren, Elizabeth. 2007. “Examining the Billing, Marketing, and Disclosure Practices of the Credit Card Industry, and Their Impact on Consumers.” Testimony before the Committee on Banking, Housing, and Urban Affairs, US Senate, January 25,
    Paper not yet in RePEc: Add citation now

Cocites

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  1. Self-recognition in teams. (2019). Gans, Joshua ; Landry, Peter.
    In: International Journal of Game Theory.
    RePEc:spr:jogath:v:48:y:2019:i:4:d:10.1007_s00182-019-00683-3.

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  2. Depression through the Lens of Economics: A Research Agenda. (2017). de Quidt, Jonathan ; Haushofer, Johannes.
    In: NBER Chapters.
    RePEc:nbr:nberch:13831.

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  3. Naiveté and sophistication in dynamic inconsistency. (2017). Peeters, Ronald ; Meder, Zsombor Z ; Flesch, Janos.
    In: Mathematical Social Sciences.
    RePEc:eee:matsoc:v:87:y:2017:i:c:p:40-54.

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  4. Financial channels, property rights, and poverty : a Sub-Saharan African perspective. (2016). SINGH, Raju ; Huang, Yifei.
    In: Policy Research Working Paper Series.
    RePEc:wbk:wbrwps:7559.

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  5. Depression for Economists. (2016). Haushofer, Johannes ; de Quidt, Jonathan.
    In: NBER Working Papers.
    RePEc:nbr:nberwo:22973.

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  6. Contracting with Type-Dependent Naïveté.. (2016). Foschi, Matteo.
    In: Discussion Papers in Economics.
    RePEc:lec:leecon:16/03.

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  7. Image versus Information: Changing Societal Norms and Optimal Privacy. (2016). Benabou, Roland ; Ali, Nageeb S.
    In: IZA Discussion Papers.
    RePEc:iza:izadps:dp9947.

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  8. Can Islamic banking ever become Islamic?. (2015). Skully, Michael ; Brown, Kym ; Azmat, Saad.
    In: Pacific-Basin Finance Journal.
    RePEc:eee:pacfin:v:34:y:2015:i:c:p:253-272.

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  9. Naiveté and sophistication in dynamic inconsistency. (2014). Peeters, Ronald ; Peeters R. J. A. P., ; Meder Z. Z., ; Flesch J., .
    In: Research Memorandum.
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  10. When Commitment Fails - Evidence from a Regular Saver Product in the Philippines. (2014). John, Anett.
    In: STICERD - Economic Organisation and Public Policy Discussion Papers Series.
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  11. A Model of Focusing in Economic Choice. (2011). Szeidl, Adam ; Koszegi, Botond.
    In: 2011 Meeting Papers.
    RePEc:red:sed011:1441.

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  12. Nudging Farmers to Use Fertilizer: Theory and Experimental Evidence from Kenya. (2011). Robinson, Jonathan ; Kremer, Michael ; Duflo, Esther.
    In: American Economic Review.
    RePEc:aea:aecrev:v:101:y:2011:i:6:p:2350-90.

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  13. Non-Bayesian Learning. (2010). Noor, Jawwad ; Epstein, Larry ; Sandroni, Alvaro.
    In: The B.E. Journal of Theoretical Economics.
    RePEc:bpj:bejtec:v:10:y:2010:i:1:n:3.

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  14. Exploiting Naivete about Self-Control in the Credit Market. (2010). Koszegi, Botond ; Heidhues, Paul.
    In: American Economic Review.
    RePEc:aea:aecrev:v:100:y:2010:i:5:p:2279-2303.

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  15. Imperfect information processing in sequential bargaining games with present biased preferences. (2009). akin, zafer.
    In: Journal of Economic Psychology.
    RePEc:eee:joepsy:v:30:y:2009:i:4:p:642-650.

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  16. Behavioral Welfare Economics. (2008). Bernheim, B. Douglas.
    In: NBER Working Papers.
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  17. The impact of legal sanctions on moral hazard when debt contracts are renegotiable?. (2007). Weill, Laurent ; BLAZY, Régis.
    In: Working Papers CEB.
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  18. Why do borrowers pledge collateral? new empirical evidence on the role of asymmetric information. (2007). Frame, W ; Espinosa-Vega, Marco ; Berger, Allen ; Miller, Nathan H..
    In: FRB Atlanta Working Paper.
    RePEc:fip:fedawp:2006-29.

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  19. The impact of legal sanctions on moral hazard when debt contracts are renegotiable?. (2007). Weill, Laurent ; BLAZY, Régis.
    In: DULBEA Working Papers.
    RePEc:dul:wpaper:07-06rs.

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  20. The Importance of Equity Finance for R&D Activity: Are There Differences Between Young and OldCompanies?. (2006). Mueller, Elisabeth ; Zimmermann, Volker.
    In: ZEW Discussion Papers.
    RePEc:zbw:zewdip:4593.

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  21. The Importance of Equity Finance for R&D Activity €“ Are There Differences Between Young and Old Companies?. (2006). Mueller, Elisabeth ; Zimmermann, Volker ; Muller, Elisabeth.
    In: Discussion Paper Series of SFB/TR 15 Governance and the Efficiency of Economic Systems.
    RePEc:trf:wpaper:111.

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  22. A Selection-Based Theory of the Transition from Employment to Entrepreneurship: The Role of Employer Size. (2006). Parker, Simon.
    In: IZA Discussion Papers.
    RePEc:iza:izadps:dp2071.

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  23. Firms investment under financing constraints. An euro area investigation. (2006). Pal, Rozalia ; Kozhan, Roman.
    In: CERS-IE WORKING PAPERS.
    RePEc:has:discpr:0606.

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  24. Household debt sustainability: what explains household non-performing loans? An empirical analysis. (2006). Rinaldi, Laura ; Sanchis-Arellano, Alicia .
    In: Working Paper Series.
    RePEc:ecb:ecbwps:2006570.

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  25. R&D investment, Credit Rationing and Sample Selection. (2005). Piga, Claudio ; Atzeni, Gianfranco.
    In: Discussion Paper Series.
    RePEc:lbo:lbowps:2005_6.

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  26. What Can Explain Excess Smoothness and Sensitivity of State-Level Consumption?. (2005). Demyanyk, Yuliya ; Ostergaard, Charlotte.
    In: Working Papers.
    RePEc:hou:wpaper:2005-03.

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  27. La dinámica industrial y el financiamiento de las pyme. (2005). Benavente, Jose Miguel ; Sanhueza, Ricardo ; José Miguel Benavente, ; Galetovic, Alexander.
    In: Documentos de Trabajo.
    RePEc:edj:ceauch:201.

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  28. Entrepreneurship, Windfall Gains and Financial Constraints: The Case of Germany. (2005). Talavera, Oleksandr ; Schäfer, Dorothea.
    In: Discussion Papers of DIW Berlin.
    RePEc:diw:diwwpp:dp480.

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  29. Lending Booms and Lending Standards. (2005). Marquez, Robert ; Dell'ariccia, Giovanni.
    In: CEPR Discussion Papers.
    RePEc:cpr:ceprdp:5095.

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  30. An Empirical Investigation of Collateral and Sorting in the HELOC Market. (2004). Dunn, Lucia ; Dey, Shubhasis.
    In: Working Papers.
    RePEc:osu:osuewp:04-07.

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  31. Do Liquidation Values Affect Financial Contracts? Evidence from Commercial Loan Contracts and Zoning Regulation. (2004). Benmelech, Efraim ; Moskowitz, Tobias ; GARMAISE, MARK J..
    In: NBER Working Papers.
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  32. The Role of Guarantees in Bank Lending.. (2004). Pozzolo, Alberto.
    In: Economics & Statistics Discussion Papers.
    RePEc:mol:ecsdps:esdp04021.

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  33. Testing for adverse selection and moral hazard in consumer loan markets. (2004). Edelberg, Wendy.
    In: Finance and Economics Discussion Series.
    RePEc:fip:fedgfe:2004-09.

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  34. Debt maturity, risk, and asymmetric information. (2004). Frame, W ; Espinosa-Vega, Marco ; Berger, Allen ; Miller, Nathan H..
    In: FRB Atlanta Working Paper.
    RePEc:fip:fedawp:2004-32.

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  35. The Determinants of Debt and (Private-) Equity Financing in Young Innovative SMEs: Evidence from Germany. (2004). Werwatz, Axel ; Schäfer, Dorothea ; Zimmermann, Volker.
    In: Discussion Papers of DIW Berlin.
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  36. Does asymmetric information promote talented people?. (2004). Hidalgo-Cabrillana, Ana.
    In: UC3M Working papers. Economics.
    RePEc:cte:werepe:we042809.

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  37. Corruption and Competition in the Presence of Inequality and Market Imperfections. (2004). Mishra, Ajit ; Dutta, Indranil.
    In: Working papers.
    RePEc:cde:cdewps:123.

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  38. RELACIONES BANCARIAS Y SUS EFECTOS SOBRE LOS TÉRMINOS DE LA DEUDA EN LAS PYMES. (2003). Martinezsolano, Pedro ; Hernandezcanovas, Gines.
    In: Working Papers. Serie EC.
    RePEc:ivi:wpasec:2003-07.

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  39. Non-exclusive contracts, collateralized trade, and a theory of an exchange. (2003). Leitner, Yaron.
    In: Working Papers.
    RePEc:fip:fedpwp:03-3.

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  40. Collateral and Credit Supply. (2003). Atta-Mensah, Joseph.
    In: Staff Working Papers.
    RePEc:bca:bocawp:03-11.

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  41. On the economics of discrimination in credit markets. (2002). .
    In: Finance and Economics Discussion Series.
    RePEc:fip:fedgfe:2002-2.

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  42. Compensation Methods in a Competitive Labor Market: the Role of Asymmetric Information. (2002). Balmaceda, Felipe.
    In: Documentos de Trabajo.
    RePEc:edj:ceauch:139.

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  43. Capital Market Imperfections, High-Tech Investment, and New Equity Financing. (2002). Petersen, Bruce ; Carpenter, Robert.
    In: Economic Journal.
    RePEc:ecj:econjl:v:112:y:2002:i:477:p:f54-f72.

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  44. Banks versus Venture Capital. (2002). Ueda, Masako.
    In: CEPR Discussion Papers.
    RePEc:cpr:ceprdp:3411.

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  45. A Structural Econometric Model of Price Discrimination in the Mortgage Lending Industry. (2002). Larribeau, Sophie ; Gary-Bobo, Robert.
    In: CEPR Discussion Papers.
    RePEc:cpr:ceprdp:3302.

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  46. Credit Rationing, Wealth Inequality, and Allocation of Talent. (2002). Sjostrom, Tomas ; Morelli, Massimo ; Ghatak, Maitreesh.
    In: STICERD - Theoretical Economics Paper Series.
    RePEc:cep:stitep:441.

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  47. Credit Constraints in Latin America: An Overview of the Micro Evidence. (2002). Schiantarelli, Fabio ; Galindo, Arturo.
    In: Boston College Working Papers in Economics.
    RePEc:boc:bocoec:537.

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  48. Credit Rationing, Wealth Inequality, and Allocation of Talent. (2002). Sjostrom, Tomas ; Morelli, Massimo ; Ghatak, Maitreesh.
    In: Economics Working Papers.
    RePEc:ads:wpaper:0026.

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  49. The Legal Enforcement of Credit Contracts and the Level of Investment. (2001). Fabbri, Daniela.
    In: CSEF Working Papers.
    RePEc:sef:csefwp:57.

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  50. Credit rationing, wealth inequality, and allocation of talent.. (2001). Sjostrom, Tomas ; Morelli, Massimo ; Ghatak, Maitreesh.
    In: ICER Working Papers - Applied Mathematics Series.
    RePEc:icr:wpmath:23-2001.

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  51. Financial Intermediation in a Model of Growth through Creative Destruction. (2001). Morales, Maria.
    In: UFAE and IAE Working Papers.
    RePEc:aub:autbar:487.01.

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  52. Competition Among Exchanges. (2000). Scheinkman, Jose ; Santos, T..
    In: Princeton Economic Theory Papers.
    RePEc:wop:prinet:00s12.

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  53. Relationship loans and information exploitability in a competitive market: loan commitments vs. spot loans. (2000). Ergungor, Ozgur Emre.
    In: Working Papers (Old Series).
    RePEc:fip:fedcwp:0013.

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  54. Financial Intermediation in a Model of Growth Through Creative Destruction. (2000). Morales, Maria.
    In: Econometric Society World Congress 2000 Contributed Papers.
    RePEc:ecm:wc2000:0914.

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  55. Agency Costs, Credit Constraints and Corporate Investment. (1999). Hansen, Sten .
    In: Working Paper Series.
    RePEc:hhs:rbnkwp:0079.

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  56. Channeling Domestic Savings into Productive Investment Under Asymmetric Information: The Essential Role of Foreign Direct Investment. (1997). Sadka, Efraim ; Razin, Assaf ; Yuen, Chi-Wa.
    In: NBER Working Papers.
    RePEc:nbr:nberwo:6338.

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  57. Personal Bankruptcy and Credit Supply and Demand. (1996). white, michelle ; Scholz, John ; Gropp, Reint.
    In: NBER Working Papers.
    RePEc:nbr:nberwo:5653.

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  58. Lines of Credit and Relationship Lending in Small Firm Finance. (1994). Udell, Gregory ; Berger, Allen.
    In: Center for Financial Institutions Working Papers.
    RePEc:wop:pennin:94-11.

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  59. The Design of Bank Loan Contracts, Collateral, and Renegotiation. (1993). Kahn, James ; Gorton, Gary.
    In: NBER Working Papers.
    RePEc:nbr:nberwo:4273.

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  60. Collateral, Rationing, and Government Intervention in Credit Markets. (1989). Gale, William.
    In: NBER Working Papers.
    RePEc:nbr:nberwo:3024.

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  61. Adverse Selection in Credit Markets and Infant Industry Protection. (1989). Staiger, Robert ; Flam, Harry.
    In: NBER Working Papers.
    RePEc:nbr:nberwo:2864.

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  62. Signalling in Credit Markets. (1986). Riley, John ; Milde, Hellmuth.
    In: UCLA Economics Working Papers.
    RePEc:cla:uclawp:334.

    Full description at Econpapers || Download paper

  63. Competitive Signalling Reconsidered. (1984). Riley, John.
    In: UCLA Economics Working Papers.
    RePEc:cla:uclawp:294.

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  64. QRS Profile: Colorado Qualistar. (). Kimberly Boller Kathryn Tout, .
    In: Mathematica Policy Research Reports.
    RePEc:mpr:mprres:adaac1bc27374f44a1753c4000b760e6.

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  65. Compensation Methods in Competitive Labor Markets. (). Balmaceda, Felipe.
    In: ILADES-UAH Working Papers.
    RePEc:ila:ilades:inv118.

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