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Im KS, Pesaran MH, Shin Y (2003) Testing for unit roots in heterogeneous panels. J Econ 115:53–74.
Jappelli T, Pagano M (1994) Savings, growth and liquidity constraints. Quart J Econ 109:93–109.
Pagano M (1993) Financial markets and growth—an overview. Eur Econ Rev 37(2–3):613–622.
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