FAN, J. X.; CHANG, Y. R.; HANNA, S. Real Income Growth and Optimal Credit Use. Financial Services Review, [S. l.], v. 3, n. 1, p. 45–58, 1993. DOI: 10.1016/1057-0810(93)90005-B. Disponível em: https://openjournals.libs.uga.edu/fsr/article/view/3721. Acesso em: 3 jul. 2024.